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

In Early XX/XX/XXXX, I submitted a dispute to all three credit bureau XXXX, Equifax and XX/XX/XXXX. I wrote a physically letter to XX/XX/XXXX and XXXX but made an online dispute with Equifax. After the 30 days or less XXXX and XXXX deleted my dispute. However, when I tried to view my results from Equifax I couldn't view them. I was instructed to call the customer service number. When I called I asked what my results where. She read that I upon further investigation, the results where that the debt is yours. I told her out of the options that were available on the online form, I went on to explained that I added that the information of responsibility isn't correct. That it says " joint " and not individual. The rep didn't seem to understand what I was saying, there seem to be a language comprehension barrier as she definitely wasn't from the United States. I started to get frustrated because she didn't understand that this didn't answer my dispute at all. I requested a supervisor. I retold the supervisor my story, and asked her point blank, if my debt had been deleted or not she not only said yes once but twice. However, on another website about a week later, I found out that this was not true to much of my chagrin. I then called them back and explained everything again, this agent said she would mail me everything to see the results and told me she is going to submit a re-investigation. This was done at XX/XX/XXXX. Today, is XX/XX/XXXX I have yet to receive any paper mail confirmation of my re-investigation or any communication. I have emailed a complaint to them today as well. XXXX  and XXXX felt my information and case were valid enough for a deletion. But, Equifax failed to even clearly identify my issue and didn't even look into my evidence I provided. The need to investigate not only my complaint but my dispute thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 3 years I have submitted proof to the XXXX credit bureaus that XXXX XXXX was garnishing my wages on an account that didn't belong to me, the account in question was opened fraudulently. The garnishment caused my actual credit card payments with XXXX XXXX to bounce and caused a chain reaction of late payments because they were on auto-pay. 

XXXX XXXX sent me a letter acknowledging that the garnishment was not supposed to happen and refunded all the payments they took from my check. XXXX XXXX didn't erase my late payments that were caused by their mistake. I have letters from XXXX XXXX acknowledging their mistake, and copies of certified letters from me to the credit bureaus asking them to correct the information and remove the late payments. 

I have placed a fraud alert because there are hard inquiries that I did not authorize. The following hard inquiries are not authorized by me : XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance )
Product: Money transfer, virtual currency, or money service

Hi, I opened an account with Kraken.com a few days ago. After they verified my account through my ID, I was told that my account is good to go for making a deposit and exchanging cryptocurrency. I was told that I can withdraw my money after 3 days of the first ACH transfer. First, I made a small deposit of {$50.00} to make sure it is safe and reliable. Once I realized it is safe, then I made another deposit of {$1000.00}. Now, that I want to withdraw my money, they have put a hold on my account and suspended my transactions. They are asking for ridiculous documents such as writing a note and taking a selfie with that. They should have let me know before if they are going to hold my money for no reason, and didn't let me make a deposit. They don't release my money despite of contacting them multiple times. I need help from you to get back my money from these scammers.
Product: Mortgage

My attorney and I have been working diligently with the len der ( Ocwen ) to  do a short payoff. Near the   XXXX    o f 2016, th ey agreed to $  XXXX  ... We countered at $  XXXX  because that is what our research shows as the market value for the home which is literally a knock down on the main  XXXX   lane road so on to be  XXXX . This caused them to do anothe r BPO on the property.. It has now been over 3+ months and the lender 's attorney is puzzled why his client ( Ocwen ) is now not responding at all to our negotiations. This has been the norm for this lender over the past 1+ years in tr ying to settle up with them.. Can you help me and my attorney get a response from the lender.. We have email communication from their attorney for the past agreement and we reach out weekly to their attorney with no updates.. I am trying to do the right thing and they are dragging their feet or do n't care at all. Please help.
Product: Checking or savings account

XX/XX/year> deposited insurance check into checking account informed of 6 bus day hold. 
XX/XX/year> TD online banking message shows date of deposit XX/XX/year> and 7 day hold. Mail dated same day informs " ... delayed availability of funds ... account information indicates check may not be paid ''. 

TD Bank has erroneous, inconsistent banking procedures regarding deposit holds and makes unproven claims about check being paid.
Product: Credit card

Don't trust CapitalOne. After I paid off my balance in full, CapitalOne kept charging me interest and fees. 

On XX/XX/XXXX of 2024, I used on the online payment feature to pay my prior month 's balance of XXXX in full, which was reflected in my XXXX statement. I made no further purchases as I stopped using the card. 

Despite the fact that I paid my balance in full, CapitalOne charged me {$35.00} in interest. 

Worse, each month that this {$35.00} was outstanding they charged me fees ranging from {$29.00} to {$40.00} - well in excess of any reasonable interest rate on the underlying {$35.00}. 

When I called to correct this situation, CapitalOne refused to address it. They apologized that their own online banking system had not told me the full amount that would be due, but would not take any corrective actions. Even though I felt the initial {$35.00} interest charge was unreasonable, I offered to pay that in exchange for waiving the usurious fees, but they would not. 

I did the right thing in XXXX by paying off my balance in full - subsequently charging me interest and then adding fees that doubled the amount due the next month ( e.g., a XXXX annual interest rate ) is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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.
Product: Vehicle loan or lease

I paid off my lease on XX/XX/2023 with Hyundai Capital. 

I received a paid in full letter on XX/XX/2023. I received the title and bill of sale on XX/XX/2023. 

On XX/XX/2023 I received a notice that my account is 10 days past due, and there is a threat to notify my credit bureau in 30 days that I have missed a payment. The account reflects as closed on XX/XX/2023. 

I am concerned Hyundai Capital has not updated their systems after being fined by the CFPB and these incorrect credit reporting actions continue : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-hyundai-to-pay-19-million-for-widespread-credit-reporting-failures/ Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealing with this company is horrific. 

I need an urgent removal of my security freeze and the overseas agents refuse to aid me in this process. I have offered multiple ways to verify myself with my PIN and have requested a new PIN but need this freeze urgently lifted! Please phone me immediately to aid in this removal prior to FCC complaints and media contact. 

This is abhorrently unacceptable and I require urgent assistance to ensure I am able to open my new account. Thank you kindly.
Product: Debt collection

I got a letter from Dynamic Recovery Solution LLC, the same collection agency that been harassing me for the last 9 years about a debt I do not owe. They have tried to put this on my credit report and I had it removed because of identity theft report I report my wallet stolen twice in Texas with other credit cards in them at the time. I started getting calls from this collection agency with threats in the morning at XXXX throughout the entire week and a significant amount of mail without my permission for last four years. I ask to be put on the do not contact list from this agency but they keep up persistently with the same attempts to collect a debt not owed. My account was closed by myself with XXXX XXXX XXXX 8 years ago and everything was paid off according to the account clerk in the bank but they some how keep selling my information which I did not authorized. I do not have a contract with the credit agency, XXXX XXXX XXXX, or the Dynamic Recovery Solution which has my social security number I gave them over the phone to find out if I owed the debt. They have been using my social illegally and I want this company to stop sending me mail and any further contact. Dynamic Solution does not have a contract with nor does the XXXX XXXX XXXX XXXX because the account was closed by myself not the creditor because of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Money transfer, virtual currency, or money service

XX/XX/year> I purchased 2 separate money orders from XXXX in amount of XXXX each. To pay mortgage company. I purchased a stamped envelope from XXXX and mailed payment to mortgage company. Mortgage company never received payment. I requested an money inquiry from XXXX of money orders and they were found to be cashed. The money order was altered by someone and deposited into a mobile banking AURORA allowing the person to receive funds from a fraudulent money order
Product: Mortgage

I have recently sold a home XXXX XXXX XXXX XXXX CT XXXX held in Rights off Survivorship with a signed mortgage and name on the deed with my husband XXXX XXXX. He passed on XX/XX/XXXX which made me sole property owner. I continued to keep the mortgage current and sold the property XX/XX/XXXX and discovered I was not the legal title owner. The house was held by a Trustee of a XXXX XXXX opened without my knowledge. I received a loan pay off from M & T bank to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX and then a 2nd pay off notice on XX/XX/XXXX to XXXX and XXXX XXXX. I repeatedly sent my warranty deed and mortgage documents to M & T telling them this property passed outside any estate and they violated the Truth in Lending Act by not disclosing this illegal change of title. They annually sent me letters to change my home owners insurance to The XXXX of XXXX XXXX which proves the had a Trustee deed. So I paid property insurance for legal owner XXXX XXXX for over 4 years and was not covered because a Trustee held title. The have titled my new home XXXX XXXX XXXX XXXX XXXX CT XXXX in this trust too. XXXX mortgage company included a blank Deed of Trust in all my fully executed closing documents and will not give me the completed deed. This is property theft and illegal. I fear my home owners insurance in invalid. I need an investigation and help to enforce truthful lending. They are telling me I purchased a house but conveying title to probate without be truthful. When I asked M & T to assume the loan note after my husband passed, they sent me a residential sales contract listing three parties and further confirming the property title was held by a Trustee.
Product: Debt collection

I owe a debt for a car repossession. I do not dispute the claim, however, I am human and I simply forgot to send a payment to the debt collector for XX/XX/2016. The debt collector sent me a reminder notice and at the bottom of the reminder notice, he, being XXXX XXXX hand wrote in blue ink " last chance ''. That verbiage made me feel like I was being threatened. I felt very uncomfortable with what was " hand written '' on the letter. I believe this is a violation of the FDCPA Guidelines : 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX/ XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish a
account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

We were left homeless for almost 2 weeks due to the incompetence of XXXX XXXX XXXX ( broker ) and HomeBridge Mortgage. We sold our home and were supposed to close simultaneously on our new home on XX/XX/XXXX, we were given final loan approval and closing disclosures on XX/XX/XXXX only to be told on XX/XX/XXXX that due to a change in credit scores we would have to pay 3.03 % in discount points and wait an additional 3 days for new disclosures. On XX/XX/XXXX we signed the new closing disclosure and were told then on XX/XX/XXXX we were told that the loan was failing QM points and fess and that a fee buyout would be added and the loan would have to be re-disclosed yet again. We received a XXXX closing disclosure on XX/XX/XXXX with another .25 % in points to cover underwriting fees and were told the loan would close and fund on XX/XX/XXXX. On XX/XX/XXXX we were told that the loan was still failing QM and that HomeBridge stated it was a " system error '' and that they were working on it when in fact we were later told that the loan was failing points and fees so we were sent a XXXX disclosure with now an increase of ..375 % in our interest rate and 2.25 % in points, with our backs against the wall, XXXX kids, a dog and no place to live we had no choice but to accept the disclosure with the higher interest rate. On XX/XX/XXXX we HomeBridge reported to our broker that the file was still non-QM compliant, exceeding fees by {$350.00} and that they were again " working on it ''. The loan finally closed on XXXX/XXXX/16, 12 days after it was originally scheduled to and at a .375 % higher rate and 2.25 % more in points. The incompetence on the part of HomeBridge and the lack of timely accurate information being relayed to us and our realtor by XXXX XXXX lending cost us thousands of dollars in hotels, meals out, pet boarding, storage and paying movers to move our belongings twice, not to mention the thousands of dollars we will pay for the higher mortgage rate, with an almost 2 week delay in closing we could have found another mortgage provider.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off accounts entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off. 

Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report. 

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. 

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these charge off in my credit file : XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Credit reporting agencies still reporting late payments after full payment completed and account closed.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX informing me that my XXXX XXXX had dropped due to a report from TransUnion. Upon checking, I found that they claimed my XXXX XXXX credit card usage of {$2.00} caused a XXXX decrease in my score, with a remaining balance of {$290.00}. I was confused, so I called to ask how I could lose XXXX points over just {$2.00}. 

During the call, they stated that XXXX XXXX had mistakenly reported that I used {$290.00} and that my remaining balance was only {$2.00}. However, this discrepancy didn't appear in my other reports or on my TransUnion report. I asked them to acknowledge their mistake and correct my report, but they refused to do so. I also recorded the call to have evidence of our discussion.
Product: Checking or savings account

A mysterious charge appeared on my checking account held by Capital One. The charge was posted XX/XX/2022 for {$1800.00}. The charge read : XXXX XXXX XXXX and included the phone number XXXX. When I called the number a recorded statement indicated I had reached XXXX XXXX, an online payment processor utilized by a variety of companies. The recording suggested I call the leasing company or property management company. There was no specific information either on the recorded message or on my online checking account statement suggesting where XXXX XXXX is located. The statement suggested it was for a " Debit Card Purchase '' by " Your Joint Card Holder. '' The joint card holder on my checking account is my wife. We have no affiliation with XXXX XXXX. I called Capital One, reported the fraud and ordered a new Debit Card. Capital One says a new one is on the way. I attempted to call a XXXX XXXX in XXXX, FL but there was no option on its phone menu to discuss payments or charges. On XX/XX/2022 the funds were returned to my Capital One checking account without explanation. When I reported the fraudulent charges to Capital One I was told the funds would be returned to my account within 10 days if they were unable to resolve my complaint. The funds are back, but is the reimbursement permanent?
Product: Debt collection

WEST ASSET NEVER SENT ME A VALIDATION LETTER REGARDING MY XXXX BILL!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to XXXX and transunion Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : -