23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX Experian and XXXX XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I voluntarily without any contact from the collection agency called XXXX XXXX to pay an charged off account. I was referred to PRA, Portfolio Recovery Associates, LLC located in XXXX, VA to make the payment. I spoke to representative over the phone for a few minutes, made a payment in full, and the woman indicated, if XXXX XXXX XXXX is reporting to a credit bureau they would update the records. At the time of the payment none of my credit reports ( XXXX XXXX XXXX XXXX ) were reflecting any adverse reporting from that company. Since the date of the payment I have had adverse reporting that lowered my credit score by approximately 100 points, affecting my interest rates as well as my ability to borrow etc. I have been in contact with the company in writing via email, fax, and USPS delivery confirmation mail on more than 6 occasions presenting them their own correspondence and requesting them to delete this information pursuant to their correspondence as they were reporting previously and the reporting did adverse against my credit. The customer service in the disputes department, the compliance department, and the office of the president all has failed to reply in a professional fashion and have continued to have adverse affect on my credit reports with XXXX. 

On the basis of the correspondence from their offices they are engaging in Fraud by Radio, Television or Wire, and or False Statements. Publishing information that impedes interest rates, financing, and other monetary matters via false statements. 
18 USC 1343 18 USC 1001 Request to have all reporting deleted post haste from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must REMOVE the listed account from my file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXXXXXX XXXX XXXX regarding their reporting on my XXXX and TransUnion credit reports on XX/XX/year>. It is now XX/XX/year>, and I have not received any response or update regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), credit reporting agencies and furnishers are required to conduct a reasonable investigation into disputed information within 30 days. XXXX  XXXX XXXX XXXX failure to respond and investigate within this legally mandated timeframe is a violation of their obligations under the FCRA.

Moreover, under FCRA 607 ( b ), both credit reporting agencies and furnishers must ensure the accuracy of the information they report. By failing to respond to my dispute, XXXX XXXXXXXX XXXX XXXX is not only violating my rights as a consumer but also breaching their responsibility to report accurate information. Furthermore, both TransUnion and XXXX are noncompliant as well, as they are obligated under FCRA 602 ( a ) to provide consumers with fair and accurate credit reporting. Their continued reporting of this disputed information without proper investigation undermines the consumer protection laws designed to ensure accurate reporting.

Additionally, FCRA 616 establishes that if a credit reporting agency or furnisher willfully fails to comply with the requirements of the FCRA, they may be liable to the affected consumer for actual damages, punitive damages, and attorneys fees. The lack of response and action from XXXX  XXXX XXXX XXXX, TransUnion, and XXXX suggests a willful disregard for their responsibilities under the FCRA. This delay and lack of response from all parties involved indicate that they are engaging in unlawful business practices by not adhering to the FCRA 's requirements.
Product: Payday loan, title loan, or personal loan

Every since getting my sUAS pilots license ( over 2 years ), I have been getting pre-approval letters from Bankers Health Group ( BHG ). The letters stated I was pre-approved for a loan and needed to go online to 'activate the loan '. I finally did this around XX/XX/2022. You do this activation and then within a day or so a Account XXXX contacts you to get all your personal data and to email you a request for signature in Docu Sign. It was a XXXX XXXX XXXX. And a XXXX XXXX XXXX to sign and email back. Not much information except the loan does not show up in your credit report and is a risk based loan application and requested amount of loan wanted. In addition the Account XXXX said that I need to provide all the requested forms to get approved and to start talking financial numbers. Oh wait so I was not pre-approved? When I inquired about not being pre-approved like letters state and about the XXXX XXXX, a XXXX processor contacted me, via email, saying if I don't sign papers the loan will be pulled. And saying what do I got to lose, no risk, and no obligation. But now I am signing over a XXXX form XXXX for access to 10 years of my tax information and I don't even know what rates or limits or fees or closing costs, or anything about this loan really. I went ahead finally on XX/XX/2022, after thinking over and having some home issues come up that need repaired ( original need for loan ), to provide the requested documents and also once again inquired about the tax form. I was told the tax information only goes back 2 years and only used for identification purposes. On XX/XX/2022, later in the afternoon I inquired about the application and was told it would take XXXX hours to get an answer. On XX/XX/2022 I once again inquired about the loan. On XX/XX/2022 I got an email stating I was denied and a letter will be mailed with reason. 

I truly feel BHG is very misleading on their whole loan process and is not fair to consumers. I have been denied loans in the past, but the lender was upfront with everything about the loan and forms required from the beginning. I don't even really know what the XXXX form XXXX will do and why it was send to XXXX XXXX XXXX CO per the form. 

If needed have email communication with BHG : ) Thanks for any assistance. 

XXXX
Product: Vehicle loan or lease

RE : Bank of the West loan # XXXX  For the last fifteen years or 180 plus monthly payments I have had an RV loan from Bank of the West.

I have made the 180 payments in good faith and the loan is now paid off.

But still Bank of the west has done great harm to my credit.

The situation is entirely their fault and I am seeking a remedy.

In XX/XX/2018 my RV loan with Bank of the West matured. I was sent a notice stating such.

The notice simply stated that the loan had matured and offered no other details. I was a bit confused because I still had payment coupons left in my payment book. I called the XXXX number for customer assistance to clarify the situation and get a payoff amount. I was told by the agent that the payoff amount was just over 4000 dollars. I was also advised by the Bank of the West agent that I could simply continue making the standard monthly payment and that would bring down the principal balance to a point where it was palatable to payoff. No mention of credit bureau reporting was made. So I continued to make the standard monthly payment.

I also continued to receive notices that payment had been received.

I thought everything was fine and planned to payoff the loan once the payoff amount was down to XXXX dollars.

In XX/XX/XXXX I received a notice from Bank of the West that the bank was about to report a charge off ( default ) to the credit bureaus. I immediately called to get the payoff amount and make the final payment.

The loan is now paid in full but Bank of the West has nearly destroyed my credit. They have reported my loan to the bureaus as 60 and 90 days late, this was NEVER indicated to me in either verbal or written communications.

At this point Bank of the West has all of their money and interest, I have the RV, but my credit is ruined.

Nor have I been given an explanation of why after 180 payments there was still a XXXX dollar balance.

I think the best way of resolving this issue is for Bank of the West to remove the derogatory credit items from the credit bureaus and restore my credit score. I would also like a detailed accounting of why the payoff amount was so high.
Product: Credit reporting or other personal consumer reports

I spoke to an agent at Equifax regarding inquiries I did not recognize and asked for them to be removed but they are still showing on my credit report regarding XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and data breach and would like to have all XXXX of these inquiries removed from my credit report
Product: Credit reporting or other personal consumer reports

DISPUTING BECAUSE THIS DEBT IS NOT MINE I DO NOT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. 

I am not liable for this BUSINESS debt with SMALL BUSINESS ADMIN, I do not have a contract with SMALL BUSINESS ADMIN, they did not provide me with the original contract as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX.
In XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XXXX of XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XXXX of XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting.
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this.
There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest.
This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.
Product: Mortgage

On XX/XX/XXXX I spoke to a few representatives from Seterus, Inc. about a mortgage they claim they service and manage for XXXX XXXX and they claimed that they mailed a Flex - no documentation - loan modification documentation as a service on behalf of their customer XXXX XXXX my partners Attorney XXXX XXXX on or about XX/XX/XXXX. They just forwarded me a copy of what they claimed they mailed, but when checked with that attorney he told me that he never ever received this Flex loan modification offer. Seterus, Inc./ XXXX XXXX declined to honor this offer by now and after multiple attempts talking to their managers asking them to revive and honor the offer they kept on telling me the same thing, that there is no way to bring back this or any other similar offerS. eterus, Inc./XXXX XXXX clearly is NOT acting in good faith, there is no prejudice to them, as they claim this loan is in arrears from XX/XX/XXXX and those additional few months more moths from last XX/XX/XXXX ( which is when the modification was about to start ) is not going to make it or break it. I suspect that they were required by regulators to just offer this offer, so they just played games and never ever mailed it and just pretended that they mailed it, this way they have the cookie and eat it to, its well known in the banking industry that this is what did and this how they dealt in the past 15 years as its cheaper for them to pay the fine if and when they are caught. his is not the first time they played this games, they played games about a year ago when the servicing of this loan was transferred from XXXX to Seterus, Inc, while I submitted all documents for a short payoff for this loan and they even had someone come down to the house to do an appraisal then all of a sudden I found out they the servicing of this loan was transferred and the new services does not have any of the documents submitted to the previous servicer, XXXX. 

Besides the this fact, I have logs of countless and rude phone calls with their reps, including many times of not returning calls when left messages or contradicting information from different reps. 

They also having this one sided unfair and decptive policy of not allowing the consumer recording phone calls with them, while the 're recording all their phone calls and not even giving the option for the consumer to talk to them on a unrecorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX CO XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX charged my account six times ( {$20.00} each time ), and now they are charging {$1.00} today three times. Capital One has locked my charge. I haven't used the card since XX/XX/XXXX when I was in XXXX XXXX, SD at a hotel. My charge card is locked up when I don't use it.
Product: Payday loan, title loan, or personal loan

After 45 days and no voicemails, and no notice at all TitleMax on  XXXX   XXXX    XXXX   XXXX   in  XXXX , AZ repossessed my vehicle leaving me without means of transportation to work. I am a   XXXX   XXXX   XXXX   member who had recently started a new job and now is facing extreme hardship due to the unfair treatment of this company. This loan was for {$1100.00} and a payoff amount of {$1800.00} is now owed within 10 days. How am I to save the funds for my vehicle back without transportation to work? It is like the company was looking to do this to me. Very saddening. When I called and asked to pick up my belongings I was told there was going to be a {$35.00} fee to pick up my work security badge that was in the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$0.00}
Product: Debt collection

Original debt was from XXXX for switching from XXXX to XXXX from XX/XX/XXXX. XXXX did not pay the ETF as stated. The original amount was roughly {$600.00}. XXXX and the collection agency now states it is double that and reporting it as {$1200.00} owed on my credit report. I have no other collections nor bad debt on my credit. I have no problem paying what I owe but I did not owe {$1200.00}. I finally attempted to settle and was told over the phone that upon paying the settlement of {$370.00} on XX/XX/XXXX with Jefferson. They assured me they would delete upon payment. After disputing with credit bureau they updated the XXXX  report as only reflecting that I simply made a {$370.00} payment and the balance of {$880.00}. When calling them to ask why did they not just tell XXXX  it was paid and settled and to delete as per their verbal agreement they proceeded to tell me that " well a lesser balance owed is going to look better on your report anyway '' NO!! That is not what was agreed upon!!! They even sent a letter to my email stating " payment was made and closed ''.
Product: Credit card or prepaid card

Hello, I have already filed a complaint about this company but, I am doing a follow-up complaint. My prior complaint was number : XXXX. All of the details and screenshots are included in this complaint. 

However, I just received the company 's feedback to which they did not resolve my situation at all, purposely added more interest charges and fees to my account and did not at all attempt to contact me or remove the fees as requested. They also did not resolve the fraudulent charges continuing to try taking money from my account. 

It took the company over a month to repeat to me what they already said over the phone which has now caused my account to lapse even more in fees and is now out of my price range to be able to pay. Due to this, the account in question that simply needed a {$25.00} minimum payment now requires a minimum payment of {$170.00}. I said in my first complaint that Capital One would do this and it is exactly what they have done. 

On top of that, this company also fraudulently places holds on your account, which makes you account become overdrawn. I had a hold from groceries that I ordered for {$140.00} however, once that payment did finally post for it's adjusted amount, Capital One continued to leave the {$140.00} hold which left my account overdrawn for {$140.00}. When I called them about this matter, they said there was nothing they could do, which I knew was not true, as they had removed the hold in the past when I called back in XXXX of 2022. 

Capital One holds money, stacks on fees and interest and does not try to help consumers be able to make payments with them. They have no problem with ruining their consumer 's credit and making the card payments raise to ridiculous amounts. 

They completely dismissed and did not at all address my first complaint and definitely did not validate my fair resolution. As I said before, I would like ALL the interest to be dropped to XXXX and the late payments to be removed from my account, as I did everything I could as well as everything Capital One suggested for making appropriate credit card payments. My credit card having a {$170.00} minimum payment is unfair and illegal, as they are trying to make me pay that from FRAUDULENT charges that I did NOT allow or AUTHORIZE to come out of my account in the first place. 

When charges are fraudulent that means they were NOT authorized by the cardholder which means I did NOT make those payments which means I am NOT and SHOULD NOT be paying for " interest '' or " late fees '' because of them. 

Capital One KNOWS this because they also issued me a REPLACEMENT card. 

I made Capital One aware of a change in my financial situation
Product: Checking or savings account

Their were two accounts illegally made in my name... Wells Fargo stated on the phone call in XX/XX/year> that different people made accounts in my name. I don't know when they were opened, however they were closed in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a fraud alert with Experian. I was notified by Experian that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an XXXX  from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.