23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello. I would like to file a complaint about the XXXX XXXX XXXX XXXX card. Recently I filed a complaint that there were two accounts listed on my Credit Report. Im a small business owner that has faced many financial hardships trying to keep the doors open at my XXXX XXXX XXXX where I XXXX  XXXX and XXXX XXXX in my hometown. Im working very hard to come back from near bankruptcy this past fall. When I spoke with the gentleman at XXXX XXXX XXXX he told me that there was a card that was lost ( in which I did receive a new card ) but that it was now listed as two accounts on my report. I disputed this several times Bc Ive only ever had one account. He informed me that the new card created a new account for me. So one shows closed and one open, Both for short amounts of time so that is definitely hurting my score. He refused to cooperate and I was very upset crying. Now, I have also received two notices by mail, informing me that my reoccurring payment would post at {$0.00}. One letter came on XX/XX/XXXX and one arrived on XX/XX/XXXX. In the conversation on the phone with the syncrony operator, I was told the two accounts were combined. One of these accounts, I fear does not belong to me. It seems I have paid well over the amount I purchased and agreed to pay back or that this company has charged me an unauthorized amount. I have attached the copies.
Product: Credit card or prepaid card

I'm XXXX I requested my statement mailed to me as i didnt have online access and my balance didn't add up. When i received the statement I immediately filed a dispute with card.com to let them know I didnt nake the transaction of over XXXX $ on XX/XX/XXXX. I filled out there form and I guess it was not done correctly. When entered into their system even though I included an explanation with the form. I had just been patiently waiting.. Knowing that my agreement with the company stated i would receive the credit in 10 business days if the investigation was still on going. Around XX/XX/XXXX I had used a promotional offered to me of a free night at a casino resort. The required a deposit I was promised to get at checkout. That didn't come back to me. I got all required and requested information that I could obtain from several employees receptionists managers snd supervisiors. This info was faxed emailed and upload it to my account. When I called the customer service I realized. They still hadn't fixed my dispute. When I ask customer service agent for an update they told me that I would not be receiving a provisional credit because I didn't qualify for some reason. A question of dispute team about my agreement that stated I would get the credit and again they could not give me a reason. For 4 days I attempted to contact somebody who could give me some type of answer but only received rude responses and false hope of somebody calling back. So I feel they are breaking the contract.
Product: Checking or savings account

BBVA closed and shut down Simple online checking accounts, including mine. They transferred the account on a Saturday, assuring us it would be an easy and smooth transaction but it has been anything but. I have been completely locked out of my account for 3 days now. I have been unable to reach them to unlock my account so I can see my funds and transactions. They have no email or chat help, and I have been disconnected 4 times while trying to connect with their customer service on phone. This is happening to not just me but thousands of former Simple customers, its all over XXXX and XXXX. This is completely unacceptable.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from XXXX of XXXX in XX/XX/XXXX. I purchased a Mechanical Protection Plan that provided {$5000.00} worth of insurance for damages to the car. I had called XXXX of XXXX and was told that this should be used at the end of the lease. My lease maturity date was XX/XX/XXXX. In XX/XX/XXXX, I realized that the expiration date to the insurance I had paid for over the past 3 years was expiring XXXX due to a mistake by XXXX of XXXX. Looking back through my paperwork, there were two items I signed for the insurance, one with the wrong expiration date, one with the right. They had messed up the initial form, but never sent the correct one to XXXX. Upon calling XXXX of XXXX in XX/XX/XXXX, they said that I should be okay as I had 60 days after the expiration date to make a claim and I would receive my final bill shortly after turning in the car. However, I had to call Toyota Financial Services multiple times starting in late XX/XX/XXXX and through late XX/XX/XXXX due to not receiving a bill. I finally received a bill today ( there is proof through the XXXX daily email my wife receives indicating what is delivered to our house daily that this was the first thing received from Toyota Financial in the month of XX/XX/XXXX or XX/XX/XXXX ). The due date was XX/XX/XXXX ( yesterday ) and upon calling they claimed that the bill was sent on XX/XX/XXXX and they won't extend my due date. However, I had called countless times in XX/XX/XXXX due to not receiving the initial bill they claimed was mailed to me and they confirmed this was in their notes. The letter I received was dated XX/XX/XXXX and they still refused to update the due date even though I had asked repeatedly for their help with not receiving a bill.
Product: Checking or savings account

I believe Wellsfargo is in collusion with other major banking companies to not provide any interest on savings or checking. I have been contacting them since XX/XX/2021 when the XXXX started raising rates. The only response is commiserating were sorry responses. I am currently receiving only XXXX percent, XXXX basis point. They have raised the interest rate on credit card and loans all along this year. Thanks
Product: Debt collection

I just checked my credit report and this debt for J J MARSHALL ASSOCIATES is on my credit report. The company is from XXXX XXXX whom I intend to take to court and sue for fraudulently attaching this debt on my credit report.
Product: Credit card

I am certain this account was opened due to fraudulent activity. I would like to have this account removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account # { XXXX, XXXX XXXX  XXXX XXXX } due to the payment not being late. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BANK OF AMERICA XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - 15 U.S.C. 1681c ( a ) ( XXXX ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. 1022.43 ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - 15 U.S.C.1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - 15 U.S.C. 1681 ( a ) ( 1 yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. 1022.42 ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. 1022.41 ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
Transunion still didn't answer back to me. 
XXXX  and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the collector on XX/XX/XXXX was told there was medical collection account from XXXX, reported in XX/XX/XXXX. Advised never received correspondence, they verified my address said their envelopes are blank and the name of their company is not visible therefore do not know it's medical collection statement. I was told if it was paid in full would be deleted. I paid {$310.00} the same day, however they have marked it as paid closed vs deleted as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor named Santander that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on XXXX  and refuses to be removed even after the 7 year statue. XXXX is not helping to actually investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a complaint on file submission number  XXXX  against Nationstar Mortgage and  XXXX    XXXX   XXXX   XXXX . My property address is  XXXX   XXXX   XXXX   XXXX , TN  XXXX . Nationstar Mortgage received a certified copy of my complaint on  XXXX   XXXX ,   XXXX   and  XXXX    XXXX   XXXX   XXXX  received a certified copy of my complaint on  XXXX   XXXX ,   XXXX  . Neither provided any written response to my documented complaints. Today  XXXX   XXXX ,   XXXX   I discovered that  XXXX   XXXX   XXXX   XXXX   has filed trustee 's deed paperwork in the Tennessee  register of d eeds office   XXXX   XXXX   XXXX   dated  XXXX   XXXX ,   XXXX   suggesting that they have foreclosed on my property and that the property has been sold to  XXXX   XXXX  -BACKED PASS -THROUGH CERTIFICATES   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  AS TRUSTEE for {$72000.00} as the highest and best bid offered and deed of trust transferred to the same. They allege that said sale was postponed until  XXXX   XXXX ,   XXXX   and I received no written notification or other correspondence from  XXXX   XXXX   XXXX    XXXX  n or Nationstar  that there would be a foreclosure sale on that date. They have committed fraud and conversion against me and used deceptive tactics in an attempt to rob me of my home. I further do not believe that there was a legal, public, foreclosure sale held in reference to  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I have not voluntarily granted the deed to my home to any entity and I have received no correspondence addressing my previous complaints, nor indicating that any deed transfer would take place on  XXXX   XXXX ,   XXXX  . Their actions are malicious, deceptive, and violate the Fair Debt Collection Practices Act.
Product: Checking or savings account

On XXXX XXXX i did a mobile check deposit for a XXXX XXXX XXXX I received in the mail from a settlement lawsuit for {$1900.00} the next morning at XXXX I received an email from Bank of America stating my account will be closing due to a fraudulent check. I contacted the lawyer and they said the check is valid and there no hold on the funds. I called Bank of America a few times over the last week and even went in person and talked to a teller and they still give me the run around. On the XXXX of XXXX I received a email from Bank of America stating balance after transaction and fees were {$1900.00} Transactions type was a electronic payment For {$48.00} and fee was {$0.00} while my account is still closed. I want to know what step can I take
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my TransUnion credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid ID, and a copy of signed self attestation form to prove I am human who have been a victim of XXXX  so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters to two different addresses found on my credit report only to have them returned to sender.

Then I received a letter by mail from this from this company ( I.Q. Data International ) with 2 more addresses on it demanding that I provide certain information for them to help assist me with investigation of my claim. 

Then I reached out to the XXXX to use their platform to communicate with a representative from this company ( I.Q. Data International ) I reminded them of their legal duties as a company ... .an example of this was 1. FDCPA Section 807 ( 8 ) [ 15 USC 1692e ] 2. FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ] It has been more than 31 calendar days since I've sent my last challenge letter & they have yet respond with a resolution They are using stall tactics as well as illegal tactics to provide me with what they call " PROOF '' not an itemized printout of what they claim is my account or billing statement. 
The FTC has issued an opinion letter on this subject matter and this concludes that those do not represent verification. 

also I asked them for their method of verification FRCA Section 611 ( a ) ( 6 ) and ( 7 ), excluding XXXX because as we all know computers make errors so that would be considered Insufficient.

I have tried everything so I've been maintaining a careful record of my communication with I.Q. Data International/XXXX XXXX XXXX for the purpose of filing a legitimate complaint with you guys ( CFPB ) The date that is is question on my credit reports are XX/XX/17 and they failed to provide a copy of any alleged contract or other instrument bearing my signature. 
Their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws is disrespectful, embarrassing, and a misuse of authority. 

They should be held liable & fully accountable for their wilful non compliance, I take this matter very seriously & I'm desperately seeking results if you can please step in and lend me a helping hand to best of your ability I would so graciously appreciate it. This is my last goodwill attempt to have them clear up this matter which is inaccurate and represents a serious error in their reporting .... According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information not the consumer!!! Thank u and have a nice day Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the reports updated and information with this house loan and other accounts on my reports Experian / XXXX / XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute errors on my Equifax credit report that need to be fixed. The report shows incorrect names, " XXXX XXXX, '' " XXXX XXXX XXXX, '' " XXXX, '' and " XXXX XXXX, '' which do not belong to me. My correct name is " XXXX XXXX XXXX XXXX XXXX. '' The report also lists two incorrect addresses, " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX. '' The second address is incorrect because it lists " FL 1 '' instead of " XXXX XXXX. '' The correct address is " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' Lastly, the report does not reflect my correct employer, which should be "XX/XX/XXXXXXXX XXXX. '' As mentioned in 15 USC 1681e ( b ), the mistakes on my report violate the requirement to maintain the maximum possible accuracy of information. These inaccuracies impact the integrity of my credit file and go against the law 's rules for accurate reporting. I request that my personal information be updated and corrected accordingly. Failure to do so could result in liability under 15 USC 1681n and 1681o, with possible damages of up to {$1000.00} for each mistake.