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

I asked to be kept in the loop with the letters sent on my behalf. I asked Lexington Law Firm to provide me copies of the work done on my behalf as they were unsuccessful with the dispute regarding my account. I wanted to know what I was paying for. I never received documents sent to the Bureaus on my behalf. I inquired I was told. I have the documented conversation via official communications with Lexington below : " You should receive the email within 1-2 business days. You're welcome. Is there anything else I can do for you today? '' - UT XXXX XXXX " I see the request submitted, how ever I do apologize for the miscommunication but the time frame is 3-5 business days via email and standard mail 12-14. '' - PHX XXXX " The request was submitted on XX/XX/XXXX I would keep in an eye on your email you should be receiving soon '' XXXXPHX XXXX `` I do see that you spoke with XXXX on Saturday in which she requested copies of your file by emailed to you. I do apologize that you were given a couple of different time frames. The expected turn around time for your requested files is three to five business days. I would anticipate you should receive an email with your files at the earliest Wednesday, XX/XX/XXXX. '' - UT XXXX I never received the correspondence sent on my behalf that was promised by the many staff of Lexington law firm staff. 

I also requested a cancelation and they did not cancel my account. And they charged me excessive fees and offered me special promotions on the phone which happened to fake. There is a billing problem as well with this company. They tell you lies that they will charge half the price but the next month charge double and do multiple unauthorized charges. 

I asked that my membership be canceled. And they said since they claim that my message was after hours they are unable to do a refund. However my billing date was XX/XX/XXXX and I asked on the XXXX to formally cancel the subscription. The problem here is that they do not have a method of canceling online. You either have to reach them at a specific time or else they charge you. I have reported this to my bank and I will start the process of escalating these unauthorized charges. 

Please CFPB, investigate this Fake / Scam company. They are cheating people with excessive & unauthorized fees, and can't get things done as they promised on the phone. They can't even provide you a copy of the services you requested and lie about it. I would call this fraud.
Product: Debt collection

Debt collection company showed up on my credit report saying that I owe them {$290.00}.
Product: Credit reporting

i have reported these items on my credit file to my credit reporting company ( equifax ) as these XXXX items not being mine and they have refused to remove them and have costs me {$1000.00} 's of dollars and costs me employment and mortgage loans ... .These items are XXXX BANK LOAN for {$19000.00} that is not mine and has XXXX appeared on my file in XXXX or XXXX i immediately notified XXXX bureaus and it was removed from XXXX and XXXX but equifax refused and i asked then to prove this is mine with invoices they i have signed or statements from the company or even loan docs that are for this loan and they have flat out refused my demands breaking the laws put in place by the fcra i want them to prove this is mine and they have refused my requests i will continue to file complaints until this item is removed. The other item as well is not mine and i have requested for over 2 years to remove this as this is not mine Nissan/Infiniti that is not mine and according to the fcra i requested docs stating this is mine and they refuse my requests to show these docs to me signed by me and if they cant show me the proof they must remove it according to the fcra law, they are breaking a federal law and i demand these items be removed at once or i will file a 10 million dollar lawsuit in federal court if it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I'm including it again.
Product: Credit card or prepaid card

On XX/XX/XXXX I was approved for a Capital One Credit Card ending # XXXX and been making timely payments over {$25.00} in which I pay {$100.00}, {$150.00} and {$300.00} to keep my utilization usage under 30 % so my credit scores keeps increasing. 

On XX/XX/XXXX I applied for a Capital One Visa Card and I was declined because of my XXXX and Retired status and Lifetime XXXX Pension Retirement Income in which I receive monthly of {$4500.00} with a 3 % percent COLA increase every year on XXXX XXXX.as my XXXX income and Cost of Living increases is Lifetime. 

On XXXX XXXX I received a very Retaliating and Discriminating against me as a XXXX XXXX Military XXXX. 
Letter stated that a payment was returned in which this is false accusations I called Capital One and my XXXX XXXX to stop the payment as I implemented another payment amount of around {$150.00}. 

Than XXXX letter says that my average monthly payment has been low, and this is not true, because if Federal Government can conduct a investigations. 
Capital One can be subpoena for my payment history on Federal Investigations in which I am requesting. 
Mt Capital One Mastercard # XXXX limit was {$500.00} than around XXXX.or XX/XX/XXXX I receive a {$250.00} credit increase in which it made a credit increase of {$750.00}. 
With my credit scores of XXXX I should have received a higher credit limit as I am in California and Cost of Living is expensive. 
Also, {$750.00} is not enough for travels as a major credit card is needed to travel and rental cars, etc. 
I am XXXX Lifetime and Capital One has violated my XXXX XXXX XXXX.under Department of Justice.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payment reporting on my account. The reported late payments are the result of circumstances beyond my control, and I have made multiple attempts to resolve this matter directly with the creditor without success. 

Per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. I am requesting a full investigation into the reporting of these late payments, as they do not accurately reflect my payment history. If the creditor can not provide proper documentation validating the accuracy of these reported delinquencies, they should be removed immediately. 

I am formally requesting that this matter be investigated and resolved as soon as possible to ensure that my credit file reflects only accurate and verifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report and wish to have them removed. references include. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : I would like the referenced tradeline deleted from my consumer report. I have written to the company ( Equifax ) on two occasions ( over 60 days ) and have not received a response ( FCRA violation ). Additionally, the company ( Equifax ) is reporting inaccurate in formation ( see credit report attached ). Specifically, there is no 30, 60, 90, 120, time line that led up to my account going into 'collection. '' The balance is incorrect. Equifax is violating the FCRA, FDCPA, and METRO 2 compliance laws. Please help me with these federal law violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XX/XX/XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX Consumer Financial Protection Bureau, and XX/XX/XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

Today, XX/XX/18 around XXXX XXXX I called Paypal credit to inquire about a late charge on my XX/XX/XXXX statement of {$38.00}. A payment of XXXX was due by XX/XX/18. I routinely pay {$60.00} every two weeks for a total of {$120.00} per month. I paid 120 for my XX/XX/XXXX statement when {$100.00} was due and was still charged a late fee of {$38.00}. The initial clerk could not explain why this happened and forwarded me to a supervisor named XXXX ( no sure of the exact spelling. ) She refused to remove the charge and would not listen to what I had to say. I am happy to provide you with a copy of the statement. 
Thank- you XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$290.00} on My CapitalOne Card. Usually the payment is posted and available within minutes. I use this card with XXXX pay on my phone. After several days of no available credit. I called customer service. I was told my funds would be held for 26 days. I asked why, I was told CapitalOne has the right to hold payments at any time for any amount of time per Federal credit card guidelines. I asked again what did I do wrong. They could not give me an answer. My money is being held XXXX. Because of this I have incurred overdraft charges in my bank account. I feel like I have been singled out for some reason. Also, approximately a month prior to this I made another payment for {$130.00}. The second I clicked ok for the payment a XXXX block popped up and said your account is locked. I called customer service. They needed to verify that it was me making the payments. I have used the same account for every payment I had to spend 2 hours on a three-way call with Capitoline and my bank.
Product: Mortgage

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX -- SPS is  refusing to review its borrower for a short sale. This is a violation of servicing guidelines, which guarantee the borrowers right to pursue alternatives to foreclosure. 

-- -- SPS has claimed that XXXX made this decision. However after conversations with XXXX we have found this to not be true, and they recommend we ask SPS to actually read the guidelines sent to them. Please understand we have closed thousands of short sales and have management connections in all major lenders within the unites states This is not the first time that we have had SPS erroneously read a new set of servicing guidelines and come to an inaccurate conclusion as to the instructions within those guidelines.. This isnt even the first time this has happened this year. 


CC : Office of the Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed when we went to buy a house and the pre-approval loan was being run, that this loan was attached to my credit report and fraudulently opened. This was in XXXX and XXXX of 2023. I immediately contacted the company via phone and at this point 8 different times via email for documentation purposes. I have only received two responses back from a XXXX, who apparently is a customer service rep. Her only communication has been to ask for my ID and a report whether it be a police report or FTC report - I sent her my ID and also the FTC Identity theft report and letter I had filed. The first communication took over 2 weeks to get. The next took me sending 3 more emails asking for followup and she did not reply with any updates. I have since heard nothing back and can not get anyone to contact me. However, it is stating that the account is not being paid on. I have requested contact again today to rectify this- so that I do not get hit with late payments on my credit report. The name is not accurate. The signature not accurate, the address wrong, and more.
Product: Payday loan, title loan, or personal loan

I have contacted Affirm multiple times. When using the app, it makes me request credit eligibility to access my account. When I click on links within the app, it generates an email that my loan request was denied. I did not even request any type of loan or credit. This is random and frequently. They are denying loans, Im not even applying for. They also refuse to report my current loan accounts to the Credit Bureaus. They only want to report when people have negative accounts, which is wrong when those of us pay our accounts on time and in full. I feel like this is a very shady company.
Product: Debt collection

Dear Account Resolution This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 


This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debit amount {$1100.00}
Product: Student loan

On XX/XX/XXXX, I was talking to XXXX customer service, she said that I should consolidate my loans because I have been paying on them for over 20yrs and if I did consolidate that they would be possibly forgiven, expunged! So, I did. A few weeks later, without notice, either by email or paper, my loans were transferred to mohela without me knowing. I also have been working for non-profit since XX/XX/XXXX, and I started application for PSLF because I'm so tired of paying on these loans forever, I'm just looking for any kind of forgiveness, and also I don't know if applying to multiple programs will kick me out from one or all, all this is confusing. I just know that my loans are being mishandled and need you help
Product: Checking or savings account

i went to XXXXXXXX XXXX XXXX facility to get treatment, i provided my insurance and a proper claim was rendered and approved and paid by my insurance company to the XXXXXXXX XXXX XXXX billing department. i was informed by my insurance claim that the remaining portion of my bill due was {$51.00} a amount not covered by my plan. i never received a updated bill from XXXXXXXX XXXX XXXX. instead the charged my account {$210.00} not {$51.00} that i was responsible for after already paying {$35.00} co pay upon the day i received the treatment. i called XXXX Billing to try and resolve the issue and was unsuccessful. i then called my insurance company XXXX XXXX XXXX and was told they would contact XXXX  and help resolve the issue. that didn't help. so i spoke to my bank chase and asked for a returned of funds for the unauthorized amount, which they gave me and opened a investigation, chase requested more information so i called and spoke to a rep and he asked a series of question which i answered and offered to send the documents from the both XXXX and XXXX showing proof i was wrongfully charged {$210.00}. they said would contact in the documents where needed. i just received notice from bank that charges will be reinstated. i called the bank and asked for the reason, i was informed that there investigation statement was that serves where rendered and i liable for the amount charged. i informed the bank rep that i have filed a complaint with XXXX, and sent a legal letter to XXXX informing them that there actions are illegal and they are acting in bad faith and send false information to my bank, and that i would be filing this complaint, and pursuing legal action if left unresolved.