23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XX/XX/year>
Product: Debt collection

I received a text from this company on XX/XX/year> at! XXXX XXXXXXXX XXXX XXXX. The text read This is an important message from Alliant Capital Management LLC. Please call ( XXXX ) XXXX. This communication is from a debt collector.
Product: Credit reporting 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
Product: Checking or savings account

Hello, I opened a Checking Account and a Savings Account with Axos Banking. My account had fraudulent activities and a weird bank account number was added and notified my by email. I removed that account number and changed it to my own account number. My account was locked and I had to call in to get access to my account and to " verify me ''. By granting access, I had to provide a check or show that account is related to me with documentations. After that, I told the phone representative that I was not related or have relationship to the account added, they shut down by account and told me to contact them back later since that's what it " displays '' on his end and he can not further assists me but did tell me to contact them back later on for updates, a week later, I received another email about an account closure update and I need contact them back. I called in, and the representative mentioned I have to do a soft credit check and used the same address i opened the account with which was absolutely terrible, i am going through an issue and that address can not be used, the address must be updated however, that wasn't the case. She mentioned to me that she changed but I have 0 confidence and no documentation to indicate that was true and accurate. I was told over the next few phone calls that my email was also changed.
Product: Credit reporting or other personal consumer reports

XXXX  bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.
Product: Checking or savings account

My account was closed for no apparent reason at all I also had money in my account I was never able to spend because they closed the account down and sent me money.
Product: Credit reporting or other personal consumer reports

Request of deep investigation according to my credit records XXXX XXXX, and XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX with this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation
Product: Student loan

I messaged MOHELA on XX/XX/22 formally requesting a refund for payments made since the beginning of the COVID-19 payment pause ( https : XXXX ). 

I have yet to receive even an acknowledgment of my message, and their hotline gives you an incredibly long spiel then says they are not accepting any calls related to this matter when prompted to speak to a representative. 

Their XXXX says 10 business days for a response if I remember correctly. At this point, it's apparent that they're intentionally ignoring the request.
Product: Payday loan, title loan, or personal loan

I had unauthorized charges in my account at the bank and that put me in a bind. I tried to explain to Americash. I contacted XXXX and they sent two letters to Americash - one on XX/XX/XXXX and another on XX/XX/XXXX. Please see attached. Americash is still contacting me and harassing me even though they were advised numerous times to cease and desist. I have given them XXXX information as well. ( Please see attached. ) They are supposed to contact XXXX if they have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from XXXX down to XXXX and I can not get a loan at all now. Navient will not correct this issue even thought I have requested it in writing. 
Navient is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. Navient says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. 
The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in these accounts from their records due to identified errors. I am perplexed as to how your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 
Specifically, I dispute the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I notified Transunion XXXX XXXX that I was victim of identity theft. 
The XXXX notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. 
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to XXXX credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report ASAP : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Flagship filed a false response to an earlier complaint stating we could have a one month extension. Yesterday, XX/XX/XXXX, I received a call from XXXX at Flagship staying we could not have an extension. The Flagship employees do not talk to each other. Obviously, XXXX and XXXX DO NOT know what each other is doing with our account. My new job start date was delayed due to the background check. I started on XX/XX/XXXX and will not receive my first check until XXXX. The co-borrower starts their new job on XXXX and will not receive their first check until XX/XX/XXXX. Hopefully, Flagship will not continue to constantly call so we will not loses these jobs and put us further behind!!! They are harassing us!!! We know we owe them!!! Our other car loan company has been very gracious and understanding - Flagship should take a lesson from them!!!
Product: Debt collection

SEQUOIA FINANCIAL SVCS Original creditor : XXXX XXXX XXXX AMOUNT OWED {$3400.00} THIS ACCOUNT DOES NOT BELONG TO ME AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THERE CLAIMS OR TO SEND OUT A FRAUD AFFIDATED AND HAVE YET TO RECEIVE ANYTHING IN WRITING.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES the consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 
I am requesting a reversal from " 30 '' to " OK ''
Product: Credit card

I had an American Express card which I only used as a backup card. Company : https : //www.americanexpress.com/ In XXXX, 2022, I spend {$18.00} using the card. For some reason, I have not received an electronic notification that the bill was due. As a result, American Express charged me 100 % of what I owed in late fees. My late fee was literally {$18.00}. 

I called their customer service and explained that I have not received electronic notification and that I dont believe it is legal for them to be charging me 100 % of what I owed in late fees. 

I have excellent credit and I have never before been late with a payment. Thus, I requested cancellation of the late fee, which American Express refused. 

In XX/XX/2022, I filed a complaint with XXXX, which American Express did not respond to. As a result I have cancelled my American Express Account. 

I do believe that failing to send me an electronic notification about the bill was premeditated strategy to extort money from the customers. I also do not believe that the company should be allowed to charge as much in late fees as the customer owns. 

I would like American Express to refund me {$18.00}. 

Please see the attached supporting documents. 

Thank you for your consideration. 

Sincerely, XXXX
Product: Checking or savings account

On XX/XX/XXXX there were a total of 2 transaction was made from account to XXXX XXXX. After the payment was made for both of these items the transaction was canceled, only {$130.00} of the total amount of {$330.00} and {$210.00} wasnt returned to my account. 

Business advantage. XXXX Between the two accounts Ive had trouble with XXXX payments and Disputing frivolous transactions that werent made by me. 
On account ending XXXX from XXXX which I also contacted in regards to this transaction of XXXX plus Insufficient funds fees that apply to these transactions.
Product: Student loan

Attempted to start direct debit to pay account automatically two times. Neither time was direct debit set up resulting in late payments. <P/>Attempt 1 : Gave bank routing and account information. Debit was not set up.
Attempt 2 : Again, gave bank routing number and account information. Debit was not set up and 1 mo forbearance was put on account. Was not told that this would be a part of direct debit set up. 1 month work of interest was added to my total loan balance because of this.
Product: Credit card

In early XX/XX/year>, I logged into my XXXX credit reporting agency to check my credit score before I applied for credit. My credit score at the time was XXXX. ( Same score as of this writing. ) On or about XX/XX/year>, I requested a credit limit increase for my USAA  XXXX XXXX Rewards credit card. I was subsequently denied. I also applied for USAA 's Cashback Rewards Plus credit Card and again was denied. I am in receipt of the XXXX denial letters and the XXXX credit scores for each application was XXXX and XXXX respectfully. A XXXX and XXXX disparities. 

I requested an explanation why my XXXX XXXX XXXX I see online in my account has a disparity of XXXX points what they see. The representative explained that if I do not agree with the credit score, they listed, I need to file a dispute with credit bureau. I explained back that the credit bureau is not the problem because I see XXXX but they claim its XXXX and XXXX. ( XXXX would have turn around and my complaint should be with USAA. ) I understand that there are different versions FICO scores. But a XXXX disparity is unbelievable. Had my XXXX score I see in my XXXX account at XXXX ( at the time of requesting a credit limit increase ) I would have NOT applied for credit limit increase and applied for the other credit card from USAA. 

Several years ago, USAA provided a credit reporting and XXXX XXXX through XXXX. Because they use that XXXX XXXX XXXX, I based my decision to apply for credit limited increase and new credit card of the score of XXXX. Although they do not provide this service anymore as of this writing, a USAA member like me presumes they would honor the same XXXX XXXX that members see on their XXXX account- in my case a XXXX score.
Product: Debt collection

Hello, I got a scam document from a company named the Debt Relief Center XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I live in Washington, DC for reference. They advised to me in the letter ( also attached as a PDF ) that my 'IMMEDIATE RESPONSE TO THIS SECOND NOTICE [ was ] REQUESTED. ' I never received a first notice. They advised to me that I have an 'estimated ' {$13000.00} in unpaid credit card debt. In actuality, I have about {$5000.00} and I just purchased a home, so I also have a mortgage. They are proposing a settlement offer but advised they can only do so 'once we have been contacted ... ' This is a scam and I want to ensure that this company is not only dismantled, but charged for extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was present during the opening of a business checking account at BBT. The account manager talked to us about their new credit cards and asked if we would like to get a credit card along with the new checking account for our business. We told her we would consider it late but then days later I noticed not one, but two credit pulls on XX/XX/2019 and XX/XX/2019 by BBT. I called and asked them to remove the inquiries as we did not apply for any credit cards. They told me they were removed, but on review of my credit report the inquiries still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and I have been dealing with this issue for about 3 months with Comenitybank/Victoria XXXX My account has been closed for quite some time now however this relationship with Comenitybank/Victoria has been gettting from bad to worse. They are reporting inaccuracies on my credit report across all 3 credit bureaus. The account information that is reporting incorrect is the two late payments for XX/XX/2018 and XX/XX/XXXX 2018 30 day and 60 day respectively, however I have never had a late payment with this account and all my payments were made in store and on time for this account.
Product: Checking or savings account

On XX/XX/2022, I XXXX XXXX used Chase ATM to get XXXX $ at the Chase branch the Chase ATM gave me a receipt that I still have and shows the ATM did not give me my money. Then walked into the chase ATM branch and talked to the branch manger and she filed a complaint that the ATM did not give me my money and she told me the XXXX $ would be in my account in 12hrs I waited 12hrs and no money so the next day I went to the bank to ask wats happening with the XXXX $ and she said i had to wait till XX/XX/XXXX then I waited Chase Credited me XXXX $ on XX/XX/XXXX and was still investigating the claim. Then on Friday XX/XX/XXXX Chase revered the claim on a friday after hours when the bank was closed and said nothing is wrong with our ATM and contiuned to tell me that I did recive the money and I arruged back said I have the recipt in my hand and proceeded to tell me that there is nothing that they can do for me its the customers fault not the banks. So on Monday XX/XX/XXXX I went back to the bank and showed them the receipt and another claim again said they would look into it and they would be recrediting my account for the XXXX $ on XX/XX/XXXX so then still waited and nothing so I went to the bank today XX/XX/XXXX and asked them whats going on with my money and again said their was nothing wrong with the Chase ATM the bank manger took the recipt and put it in my file at the bank and told me too keep calling Chase and keep asking aftyer 2 months I am sick of asking them for my money this is the first time this has ever hapened I am looking for the next step in the process Chase is making me feel like criminal or like i did something wrong and I am over drawn in my personal account please HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On/aboout XX/XX/2018, I requested a balance increase on one of my credit cards with Capital One. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/2018, I received a reply denying my credit limit increase based on information XXXX   provided to Capital One ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to XXXX XXXX website and requested a copy of my credit report which does not reflect the information they provided to Capital One ( see attached ). I then paid for a copy of my credit score with XXXX, which XXXX should! refund me, and my score is XXXX ( see attached ). Thus, XXXX has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had XXXX not provided inaccurate and derogatory information. I am including Capital One on this complaint so that Capital One is aware that XXXX is providing inaccurate and incorrect derogatory information about consumers.