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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed from my file immediately 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: Checking or savings account

They Blocked access to my account within the last few weeks, I wasn't notified on the exact date. I am currently XXXX XXXX XXXX XXXX, We no longer have access to my over XXXX in my account leaving me and my family without the basic needs for survival. Endangering myself and my young children, I contacted the Bank the fraud department the individual named XXXX got on the phone where I explained that no fraud had taken place. I was in the XXXX I made the withdrawal in question and the XXXX XXXX charge was from a service from XXXX XXXX XXXX XXXX XXXX owned company. He laughed and said it's not his problem that he was is Endangering me and my children. He understood the Endangerment and was very happy to do so. I currently am stuck in XXXX with no way home. And without access the basic survival needs or the means to for them. Meanwhile I have plenty money in bank. Do to this action taken by US Bank my body covered in bites from sleeping in the streets from outdoor pests. I have no access to clean water food or shelter. His conduct was deliberately Malicious and there were children involved. As far as solution goes they may want to think something fast and agreeable. I can't even begin to think of what might be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX with XXXX XXXX is appearing on my personal credit report as a result of fraud. This account was a result of identity theft. The attached FTC Affidavit is in support of Equifax Dispute Confirmation # XXXX and Equifax Dispute Confirmation # XXXX Item continues to re-appear after Equifax Deletes item.
Product: Credit reporting or other personal consumer reports

I am writing to you with a heavy heart and a sense of desperation regarding the handling of my recent dispute with TransUnion, one of the major credit reporting agencies. Despite my earnest efforts to rectify inaccuracies in my credit report, TransUnion 's response has left me feeling utterly distressed and hopeless. 

In accordance with 15 USC 1681e ( b ), I diligently outlined numerous discrepancies in my credit report in a letter to TransUnion, emphasizing my right to an accurate and complete credit report. However, instead of conducting a thorough investigation into these issues, TransUnion simply stated that all accounts had been " verified and confirmed, '' without providing any meaningful explanation or evidence to support their findings. 

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by TransUnion, as I sought transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about how my concerns were addressed and whether any genuine effort was made to validate the accuracy of my credit report.

Moreover, it has become evident that TransUnion has effectively violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By failing to take appropriate action to correct the inaccuracies I have identified, TransUnion has not only disregarded its legal obligations but has also exacerbated the financial and emotional strain I am enduring. 

The impact of TransUnion 's negligence on my mental well-being can not be overstated. I am struggling immensely with feelings of hopelessness and frustration as I face the prospect of being unfairly penalized due to inaccuracies in my credit report that remain unaddressed. The uncertainty and anxiety surrounding this situation are taking a significant toll on my overall quality of life, and I fear that without intervention, I may lose hope of ever achieving a resolution. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that TransUnion fulfills its obligations under federal law to conduct a thorough investigation into the inaccuracies in my credit report and take appropriate action to correct them.
Product: Debt collection

My husband and myself were pre approved for a mortgage loan. We gave {$500.00} in earnest money to our home builder and our loan papers were sent to a loan originator. A few weeks later we were contacted regarding some in dispute remarks on our credit. Phoenix Recovery Group was called by myself and my husband to have " account in dispute remarks '' removed from our credit report. We have also submit letters stating we no longer dispute the account and to please remove any indication that the account is in dispute to the collection agency as well as all XXXX major credit bureaus to have these remarks removed. The debit collector responded to the credit bureaus stating they refuse to remove the remarks. Upon calling the collection agency, a woman named XXXX screamed at me and demanded that I pay off the debit to have the remarks removed. She said her client needs to be happy as well. I told her that I did not need to do that and she is violating the law by falsely reporting to the credit bureaus the account is in dispute. She continued to yell at me demanding money from me. Our loan has since been denied because of this, our credit has taken several hits because they loan officer had to keep pulling our credit and we have to be moved out of our current home XXXX/XXXX/16.
Product: Student loan

I submitted my IDR renewal with American Education Services on XX/XX/XXXX, which was the final day to submit. They then requested more information. I sent them via mail the paper application that they requested, my wife 's most recent paystub, my most recent pay stub and my tax return. They responded to me via a letter several days later on XX/XX/XXXX accusing me of not sending my own income information and telling me that I sent them the wrong tax return providing further instructions ( for the first time ) on which tax return information they needed. I then resent them my wife 's pay stub, my paystub and now the IRS form. They approved these forms on XX/XX/XXXX. 

Unfortunately, they decided to capitalize my interest stating that I missed the deadline. I have asked them via emailed exchanges how this was so. At first, I messaged them on XX/XX/XXXX noting that I applied on time. They responded the same date stating " we must receive all required documents within 10 days of the deadline. '' I responded noting that I had mailed it to them within the 10 days. They then responded XX/XX/XXXX by stating that " our office must receive the required documentation no later than 25 days before your current IBR schedule ends. '' They then referenced that this was stated in a recertification notice sent to me on XX/XX/XXXX ( attached ). However, on review of the document they reference, there is no mention of " 25 days '' or " XX/XX/XXXX. '' I find it frustrating that AES seems to do the bare minimum for the people it services and when it makes a mistake, refuses to atone for it. The most recent response states that my original application was " confusing, '' but they have not explained what was confusing about it. They seemed to not need another paper application when I re-mailed all my other supporting documentation as I did not mail a new paper application the second time. I only mailed my wife 's income, my income and the IRS tax form. 

Please let me know if there is any other supporting documentation.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to CAPITAL ONE. I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my account however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Checking or savings account

XX/XX/2022 I received an alert that I could Not log in to my accounts with Chase. I went Into the bank and realized someone in a different state went into a branch and impersonated me by using a fake identity and opened a joint account. That fraudster transferred over 50k from my accounts and then proceeded to withdraw money from other branches. Chase is at fault to this. The fraudster took out XXXX from other branches and was not flagged. I received a check from chase addressed to the fraudster and myself for $ XXXX but not the rest of the XXXX that he withdrew. Chase is making me do all the leg work to get my own money back when it was their fault. I have Filed a police report as well.
Product: Vehicle loan or lease

I am writing to request your help. My rights and credit have been affected by this issue on a late payment for XX/XX/XXXX with Honda Financial. My account information is AMERICAN HONDA FINANCE. Account # XXXX. Opened XXXX XX/XX/XXXX. Original balance : {$11000.00}. 

I did not receive any statement with a due date at all, I called their customer service on XX/XX/XXXX and they stated they only allow XXXX method at a time. They said that my, account got enrolled in email statements back in XXXX. I dont remember enrolling the account online. I have not been able to access my email since XXXX of XXXX because it was hacked. 

I have already tried to fix this with them in different ways including a goodwill letter I sent to them on XX/XX/XXXX, they did not even investigate or mark the account as disputed per FCRA regulations. This is preventing me to purchase a home and it is not even my fault, nor a financial issue. I really would appreciate your help since this is causing a big impact on my Credit Report. 

I demand a deletion letter from Honda. If they refuse to provide me this, I will not hesitate filing a lawsuit for the following violations : unfair business practices, negligence, failing to provide late notice and some other violation that will come once I talk to my attorneys.

See attached : - Documents sent to Honda - Proof of funds ( this was not a money issue ) - Proof of email hacked Thanks to whomever reads my complait.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is putting a fraudulent acct on XXXX and transunion
Product: Mortgage

I filed a complaint with XXXX in XX/XX/XXXX. LOANCARE mortgage service was asked, written to, I emailed per their email address given, called numerous times, to get my partial claim amount correct and XXXX  released. 
They said it was done and even told XXXX they were resolving it in XXXX. AN ATTORNEY STATES THEY WOULD START FROM FIRST DATE OF COMPLAINT WHICH IS ACTUALLY XX/XX/XXXX. WE ARE WAY PASSED A DELAY OR EXCUSES THIS TIME PER LAW. 
Now trying to get XXXX XXXX loan and new mortgager says my XXXX is not released. 
HUD COMPLAINT REP STATED ON XX/XX/XXXX said they want to know why claims weren't filed while under forbearance,. LOANCARE SENT HUD A XXXX release for {$7500.00}, NOT RETURNED. PER MY COUNTY CLERK -2 RELEASES FOR {$10000.00}. AND MY NEW MORTGAGER SAID NOTHING BALANCES AND XXXX IS NOT RELEASED. 
It took 4 months to get Loancare to fix their records only to find out OVER 6 MONTHS LATER ITS NOT CORRECT NOR COMPLETELY RELEASED. 
Recorded calls, PER THEIR COMPANY, no one will tell me why or even look it up while on the phone to find the problem to fix it. Don't lie Loancare, that call is recorded. 
XXXX  Loancare! 
This illegal undue stress, along with damages related to them not getting their job done in the time frame allowed, and me not able to get what I am approved for BECAUSE OF FALSE REPORTING and should be held accountable AS A CUSTOMER WOULD BE. 
THEY ALSO STATE IT WILL TAKE MONTHS TO GET IT CORRECT. ARE ARE THEY ALLOWED MORE THAN THE 6 MONTHS ALREADY GIVEN, AND THEN TELL ME IT WILL TAKE ANOTHER MONTH OR TWO, TO FIX THEIR ERRONEOUS ERRORS? AS I SAID, AN ATTORNEY, NAME CAN BE PROVIDED, SAID THEY WILL GO BACK TO THE FIRST COMPLAINT FILED IF I SUE THEM, IF NOT FIXED IN A TIMELY MANNER. 
HOW IS THIS ALLOWED? I WANT MY XXXX RRLEASE CORRECTED AND RELEASED SO I CAN GET MY HOME EQUITY LOAN! 
**** LOANCARE HAS BEEN SUED PREVIOUSLY, AND LOST, BECAUSE OF ISSUES JUST LIKE THIS.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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: Bank account or service

I have had many issues with US Bank, but this is the icing on the cake. 
US Bank continues to charge fees and allow transactions that should not be authorized to go through on my account. I cant even begin to explain how many times I have had to call to complain about my accounts. Last month, an unauthorized transaction of XXXX went through on my account and a check to the XXXX was sent back ... they never refunded me for the NSF I was charged. Today, US Bank sent back a check that was cleared on my account tuesday. I explained to them that when I checked my balance on their MOBILE app, that my balance reflected as XXXX number and that after that check went through that there was still funds available. The rep told me me not to depend on the mobile app because it is not accurate ... which is contradictory information. The check showed as cleared on Tuesday XX/XX/2017 and there was a pending XXXX from XXXX. They sent back the check and cleared the XXXX hold which ended up being XXXX. I cant get anyone from US Bank to admit that this was there error and they charged me a fee today and will not refund it. I continue to have issues with all of my accounts as well ...
Product: Debt collection

I recently found this company, CAPIO, on my credit report, claiming debt collection. I had absolutely no idea what it was about. I have received nothing from this company whatsoever. I called them and they claimed to be trying to collect some mystery medical debt from 2019. When I told them that I hadn't received any documentation about this alleged debt and that I knew my rights and that I needed to receive something written from them so that I could dispute it, they told me it was MY responsibility to write to THEM asking about it and that it would probably " take some time to hear anything back '' because of the " thousands of requests '' they're fielding daily. They are engaging in ILLEGAL practices and in the meantime they refuse to take this alleged debt off of my credit report while I am waiting for documentation from them. This is absolutely insane and goes against the law. I will not be intimidated by a company that is willing to break laws in order to try and scam people.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

I recently hadiscovered to pull my reports for employment and I saw inquiry that had been deleted reinserted.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the removal of any inaccurate accounts from my credit report, I think. Can you please look at the documents? The accounts listed have errors in reporting, amounts, and dates.
Product: Mortgage

On XX/XX/XXXX I was due an escrow overage refund of {$100.00} cents. Loancare, a XXXX XXXX, shows a copy of the check on my online account. The address is not entered correctly, and cut off important information so that the check could not be delivered. The check was never cashed. Loancare ignored this fact, and never reflected on my statement that the check was not cashed. I called customer service no less than 5 times over the past year to get a new check issued. Every time I called they told me they would take care of it. However, it never got resolved, and does not reflect on my account that they ever tried to reissue a check. The last response I got was that they were going to overnight a check to me on Wednesday, XX/XX/XXXX, and I would receive it on XX/XX/XXXX. Of course the check never arrived, and I got no information regarding the check being mailed with tracking information through my email, or on my account. I called again today, XX/XX/XXXX to check again on what the status was. I was told the check went out today overnight mail. I asked what carrier was used, and could I get the tracking number. The customer service representative couldn't tell me who the carrier was, or what the tracking number was. I asked to speak to a supervisor, and was put on hold for 20 minutes before I realized they didn't intend to pick up my call. I fully believe that Loancare is committing financial fraud by hiding refunds from customers. If I wasn't savvy enough to keep pursuing this, they would certainly be keeping the money. How many other customers have they cheated? I am sure I am not alone. XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood ... an online investing platform with investing, cash management and low cost trading services. I have had an account for several years and I have not had any problems until today. 

I have been trying to access my account all day and I can not make any trades or move any money in or out of my account. I started out at market opening by trying to make several trades, but I was unable to place any trades. So I have sent multiple emails through RH customer support, but they have not responded. 

My biggest concern is that I can not access my funds. But I am also concerned about the lack of trading services and the lack of customer response. So to iterate ... 

1. Can not make trades today XX/XX/XXXX. 
2. No response to my problem reports through RH customer support. 
3. Lack of access to my funds either through trades or cash account. 
4. I have no idea if this is a temporary system problem?
Product: Credit reporting or other personal consumer reports

I was monitoring my credit score evening of XX/XX/year> and noticed my score had decreased. I then noticed that a XXXX XXXX XXXX XXXX  XXXX was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called XXXX XXXX credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. XXXX XXXX credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on Equifax.
Product: Vehicle loan or lease

Despite being current on my auto note at all times, I have received numerous threatening and overt phone calls originating from an internal debt collections department at this bank. In spite of all attempts to stop these threatening phone calls ( including FDCPA cease and desist letters ), they continue each month. I have submitted several payments that have been utterly ignored, and one even was drawn and lost, which is still missing. 

Each month, internal collections from PNC bank contacts me to harass me into making a second payment to my auto note under the threat of " repossession '' should I not make immediate payment. This is in despite of a check, money order, or bank draft being faithfully delivered on time and in full on or before the due date.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AR RESOURCES INC. has been attempting to collect a paid medical bill for {$390.00} since XXXX of 2017. This has been on my credit report as a collection, with the name of the hospital I was seen at. That is not only a huge HIPPA violation, but illegal to collect on medical bills that had been paid by insurance ( XXXX ). My credit reports state that it has been sent to another agency or assigned to an attorney! That is illegal! This is a medical bill paid by state insurance.
Product: Debt collection

this debt is with a company im unaware of ever dealing with when contacted they could not show proper debt validation and is in violation of the fcra