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

Subject : Formal Complaint Regarding Credit Reporting Inaccuracies Capital One XX/XX/year> I am writing to formally file a complaint against Capital One regarding persistent inaccuracies in my credit report associated with my Capital One credit card account. I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same Capital One account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. The inaccuracies on my credit report have not only affected my credit score but have also led to severe XXXX XXXX XXXX XXXX XXXX XXXX The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this Capital One account from all three credit bureaus. A refund for any settlements paid as a result of this misleading information. Compensation for the financial and XXXX XXXX  caused by these errors. If these matters are not resolved promptly, I am prepared to take legal action against Capital One for damages incurred. Thank you for your attention to this serious matter. I look forward to your prompt response. CAPTIAL ONE CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX PHONE XXXX AMOUNTS SETTLED XXXX @ {$770.00} AND XXXX @ {$1700.00}
Product: Student loan

Fed Loan Servicing is impossible to deal with. Currently on hold for XXXX hours to try to get basic answers to related to the XXXX application and employment certification I submitted a month ago. The website says my application was processed but my payment counts dont make any sense at all. But I cant get ahold of anyone to try to talk about the error or how to get it fixed. 

This has been an ongoing problem with Fed Loan Servicing and I know I am not the only one dealing with this problem. It is incredibly disappointing that the Federal Government allows such incompetent servicing from the company it contracts with for the servicing of federal student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.

Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$19000.00}
Product: Payday loan, title loan, or personal loan

I have have purchased items using the same phone number with this company for many years, recently I click on link on my phone and my phone was hacked and assessed remotely, I turned the phone off and bought a new phone, I reported to Affirm that that phone and number had been breached and to not accept any attempted purchases using that number, I asked them to either put an hold on my account until they can verify me and my new number or block that number, I did everything they asked me to do to change my phone number on my account, I sent in picture of my driver 's license front and back and I sent a real time selfie, I did this procedure 3x and go a confirmation message that it may take a while to verify the info, to my knowledge they still have that old hacked number on my account and will not acknowledge my new number whenever I called they are still asking for the old number which should not be on my account anymore and in fact may be disconnected by now, because I did not pay to continue the service with that old number. Affirm is doing nothing to secure my account or the personal and financial information the hackers can get including my social security number and address by using that phone number. They have in essence locked me out my own account or are possible trying to make me turn on and use a hacked phone just to gain access to my account. I have called them today and verified myself and they rep still did not help me was still asking for the old hacked number even though I told them that it has been compromised. I am afraid that they are leaving the door open for an hacker to steal my identity they are making no effort to secure my account. I would like old number taken off my account and my information to be secured by this company whom I entrusted with my personal information and I would like them to put my new number on my account, I have done everything they asked to verify myself and they still won't secure my account and are acting very non chalant about the whole situation, I can not get a manager to call me, they do not return phone calls, they do not follow a situation through until an solution of reached. They do not care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX XXXX XXXX as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 30 ) days late and is seriously harming my credit score. Please remove this line item from my credit report.
Product: Debt collection

The company kimball tyree st john went and file a no EXEMPTION for costs without any notice after I disputed the debt as time barred debt. They were very sneaky and deceptive in what they did they filed it this month as I was disputing, they need to quit using questionable deceptive practices to collect funds I don't owe. The debt was given to my ex wife in court being that her and her family incurred the debt, being that they can't reach her they are trying to come after me, bit XXXX have a court order stating that I don't owe it. They need to stop coming after me an reporting it to the credit bureaus.
Product: Mortgage

We just finished doing a refi to remove PMI off our mortgage with no cash out and now we are paying more on the back end while they only eliminated XXXX of the {$600.00} PMI monthly. Today, not even making the first payment for another week, they send me a flyer in the mail on how I can eliminate the entire PMI as part of the new program they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. EXPERIAN 3. XXXX  Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX Account XXXX XXXX XXXX  XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


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

This complaint is for Experian, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit card

I paid for a portion ( {$800.00} ) of my family 's meal that was charged to my sister 's room at the Hilton XXXX on XX/XX/2023. However the next day an additional unauthorized charge of {$400.00} was made on XX/XX/XXXX. My flight departed XXXX on the XXXX and I did not authorize the {$400.00} charge.
Product: Student loan

XXXX XX/XX/XXXX I was issued a refund on my student loan that resulted in a credit of $ XXXX.I called MOHELA to find out what I needed to do to get the refund. I was told they would review my account and issue it automatically after a XX/XX/XXXX day review. After 3 months of no refund I called again. I was told the Dept of Education had to issue the refund. I called them. I was told MOHELA had to initiate the refund. XX/XX/XXXX I called and MOHELA finally initiated the refund. In XXXX, I called and was told it could take 90 business days to receive my refund. The first week of XXXX I received an email that my account was closed. When I logged in to my account the loan was gone. No history to be found. I still did not have a credit and the loan had disappeared. I called AGAIN. XX/XX/XXXX they placed an escalation to find out what happened to my refund. XX/XX/XXXX I received a check for {$310.00}. I called again since it was a quarter of what I should have received. I was informed they only showed on my account that I was issued {$160.00}. I was told that the escalation was still in effect. It should only take 5 to 10 days for an escalation. I called today. I was told I was misinformed and that the escalation could take 263 BUSINESS DAYS! That is XXXX!!! There is a serious glitch with my account. I can not get any answers. No one seems to actually know what is going on and I get a different story every time I call.
Product: Checking or savings account

I have a complaint which I would like to submit and acknowledge, so kindly address this issue and close the account as its being wrongly reported in checking systems and reporting. Im a student and a senior in college, while last XXXX and last XXXX onwards my account or I never used Wells Fargo or used its XXXX $ as Im not awais of it. I did speak to an in person branch person before regarding this matter so kindly close this account # XXXX # XXXX $ Ive attached again documents of everything as my whole stuff laptop car and wallet got stolen. Thanks
Product: Vehicle loan or lease

In XXXX I moved to XXXX XXXX and I submitted a state title transfer on my lease. On XX/XX/XXXX I made a payment of {$11000.00} to pay off my account in full. On XX/XX/XXXX I called Kia Finance America to confirm payment and next steps. They said that once they payment is fully processed I will be able to complete the Bill of Sale and Odometer statement. I received these filled them out and submitted them online. On XXXX I called again for an update and they said they never received other after I submitted it so I submitted again. On XXXX I called again and they still told me that they never received it. I got forwarded to customer service where they told me that it was received but they don't actually have the title because it was sent for the transfer to the XXXX XXXX and they were waiting for it back. 

I called back again on XX/XX/XXXX because I still hadn't heard back and I was told that they received the title on XX/XX/XXXX and were going to process it. After still not getting anything I called back XXXX, where they told me that they never received it and that they are submitting a recall request from the XXXX nd that no where it says that they received the title. I heard this same thing when I called on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called again and was told again that they did received that title on XX/XX/XXXX and I requested the XXXX tracking number to confirm this - XXXX. I was once again told for the XXXX time that they will escalate this to get me my title. But still no effort is being made to send me the title, or give me any sort of clear information or time frame. XXXX week I'm told they have it, another they tell me they don't and say they don't know when I wwill get it. It has been nearly XXXX months since I payed off my account, but I still don't have any proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your letter XXXX see attachment below ) on XX/XX/2021 related to the CARMAX XXXX XXXX debt. I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt for {$8000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$8000.00} payable to CARMAX XXXX XXXX in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of CARMAX XXXX XXXX. The letter will be treated as a contract and subject to the laws of my state.
Product: Student loan

I am currently a co-signer on my sons Sallie Mae loan. I have filed bankruptcy due to financial issues and it has been XXXX. Sallie Mae loan was not included in the discharge. I have setup a modified payment plan with Sallie Mae that they offered as assistance. I accepted and am currently making the payments, however they are still reporting to the credit bureau as late or missed payments rather than reporting on a modified payment plan. Although my bankruptcy is a major negative to my credit score, how can I work to improve my credit with Sallie Mae reporting each month as if I am not paying at all. I am on this modified plan for next two years so how are they helping me by reporting as such. It appears that reporting in this manner continues to hurt the consumer that is trying their best to comply with terms even during hardship. I would like for Sallie Mae to report that I am paying rather than missed or late payments. My financial situation has not changed and yet I agreed to do my best to make some type of payment each month to keep it from going into default yet Im still being penalized by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting
Product: Checking or savings account

In late XXXX I received a letter from Commerce Bank of MO that they were no longer handling HSA accounts and my account must be transferred. I completed a custodian to custodian transfer form from my other HSA custodian ( XXXX XXXX ) and submitted same to XXXX XXXX. On XX/XX/XXXX I received an email from Commerce stating my HSA statement was available. It usually ended on the last day of each month, so I checked and it showed my entire account balance ( {$1500.00} ) transferred on XX/XX/XXXX. 

I checked my account at XXXX XXXX several days later and saw a pending deposit of {$25.00}. Thinking it was a test deposit before sending the full amount, I waited for the rest. When no further funds had been transferred by XX/XX/XXXX I called XXXX XXXX to see if there was another transfer pending, they stated they only received the {$25.00} transfer and nothing further. 

I contacted Commerce HSA as soon as the opened at XXXX XXXX on XX/XX/XXXX and spoke with XXXX. After explaining the situation, he explained they took out a fee in error and sent {$1500.00} on XX/XX/XXXX and the remaining {$25.00} on XX/XX/XXXX. I asked him to compare the two transfers and he determined that the person who sent the transfer of {$1500.00} on XX/XX/XXXX left a 7 off at the end and stated he would send it up to be rectified. He stated he would expedite it, but it may take 2 to 3 business days to have the funds resent. He took my cell number and stated he would call me when he had further information. I called again on XX/XX/XXXX at approximately XXXX XXXX ( having been almost 3 full business days and having heard nothing ). After calling several times because they could not get me transferred to XXXX, he returned my call. He had no further information and told me to wait until the end of Monday. Again, he said he would mark it as urgent. 

Having heard nothing by XXXX on Tuesday XX/XX/XXXX I called and spoke to XXXX. After sitting on the phone for 10 minutes for XXXX to review the notes, XXXX asked, " Have you received the check? '' I explained it should have been a custodian to custodian transfer and asked if a check had been issued. He stated he did not know. I asked to talk to a Team Lead or Supervisor. I explained that this was an error on their part, the problem had been diagnosed 6 days ago, and wanted an explanation as to why my funds had not been sent. After another 5 minutes he stated he would take my number and have " her '' call me back. I told him I would wait on hold until she was available. After another 5 minutes, he stated she would have to call me back tomorrow because the person she needed to speak with was not there. I asked if they were regulated by the FDIC or Federal Reserve as I wanted to make a complaint. He told me FDC. I questioned that and after another 2 minutes he stated I should go to US.gov. I asked him to stay on the line while I determined if that was a good site, he responded by instructing me to call XXXX. 


At this time, Commerce still has {$1500.00} dollars that belong to me and have been earing no interest for 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though I have previously written about Equifax continuously reporting XXXX XXXX XXXX on my credit report after I received another notice that the account was removed from my credit report, it is still reporting. I pulled a new report on XX/XX/2021 and the account is still reporting after it was supposed to be removed. Equifax is not budging. I have proof again the account was supposed to be removed and it is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?
Product: Money transfer, virtual currency, or money service

I did transaction of 1500 $ with XXXX. The amount deposited was less than the promised amount. The conversion rate used was less than what it was shown on the final transaction conversion page. They never sent email saying how much amount in XXXX will b deposited and looks like they take advantage of this. Contacted customer care and still waiting for resolution. They said it will b resolved. Will update. Its nearly a month and they keep giving unnecessary reasons. I did transaction on XXXX XXXX. The conversion rate shown was XXXX and it was displayed after the transaction was submitted from my end for which I have a copy.