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

I am in the process of trying to purchase a home. In XXXX I pulled all three of my credit reports. When the lender pulls my credit now for pre-approval of a home loan EXPERIAN returns with no hits. This has been done by more than one lender, btw. I have called several times since XXXX to run into a dead end. They have mailed me my report so I exist. However I dont exist when my credit is pulled using my name, ssn and dob correctly. When I log onto the EXPERIAN website and pay for my credit report the last one in there system is XX/XX/2020, it will not update although I have paid for the service. I called about this as well. They tell me a supervisor will call me back within 3 hours its been 3 months. I have emailed them with no response. They have escalated tickets they say to address the issue with no response. I have written a certified letter to get help. Today when I went to annual credit report.com it came back Experian reported incorrect information this transaction can not be completed. This has been going on to long and I cant not get help to resolve the issue to get my home loan approval. Please advise asap it is greatly appreciated,
Product: Consumer Loan

I am not being supplied an accurate account of my payment history. My online account is not reflecting any of the payments I have made in the last 30 days, which amounts to approximately {$1900.00}. I have called SNAAC to request my payment history be emailed to me, as they have done in the past, I get told that it will be sent to me, but I receive nothing ( which I find very unusual ). 
My Auto financing lender ( SNAAC ) stated that I owe a certain amount of money to complete the balance owed on my vehicle, however, when I have requested clarity in form of a written statement, stating the exact balance, they have failed to effectively communicate the Facts, but instead have continued to ask for money. 
I do n't trust that I 'm being given correct information, and I fear that I might be asked to pay More than what I am actually financially responsible for. 
I appreciate your assistance in looking into, and your help in resolving, this matter. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Product: Checking or savings account

Popular Direct Bank misrepresents its savings account. They constantly introduced a new savings account with a higher interest rate than it was paying to existing customers of another account and that the mismatch was not clearly communicated, resulting in missing out on potential earnings. ( same issue as XXXX XXXX ).
Product: Mortgage

I received a notice about Wells Fargo Owing it's clients due to class action suite.. 
My case is I paid my insurance not through my mortgage but on my own. Multiple times I was charged for not having insurance even though I sent it in proof multiple times. Also the insurance they provide was 175 % higher in cost then mine along with back dated bills, one up to a year. I ended up with a new loan but all the Wells Fargo costs were added into the new mortgage so I figured Wells got away with it. It is defiantly a racket. I found out when they escrowed 5 mortgage payments ( no notice ) saying I had no home owners insurance. One year I provided proof several different times for the same time period, I was harassed to pay late fees on the escrowed payments. This happened 4 times costing me countless hours on the phone etc. I would resolve this with them and 4 months later they would try it again. After 4 times, the 5th I told them to go pound sand. They were messing and threatening my credit which was excellent at that time. In my humble opinion these were not random mistakes but a " program '' schemed up by some corporate knuckle head. Every contact with Wells was extremely similar in the way they tried " handling '' me. This scam was from XXXX. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I contacted the credit card company stating that I, the consumer wanted to opt out of any and all authorization that may have been given to them. After said communication, the credit card company sold the account and the account is still being reported on my consumer credit report.
Product: Debt collection

I don't recall having a contractual relationship with this collection company SECURITYCRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Money transfer, virtual currency, or money service

I was scammed on a used vehicle listing for XXXX. I tried contacting Chase ( my bank ) and XXXX XXXX  ( recipient bank ) on XX/XX/2022 a few hours after the wire transfer. My bank had no one available to help and said they couldnt get back to me till the morning because its a back end issue, so Im waiting to hear back, but this is a time sensitive issue. XXXX  XXXX  had no one to speak to cause apparently they were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/201XXXX XXXX
Product: Debt collection

On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my name.Synchrony Bank Carecredit is the bank and the Plantiff is noted as XXXX XXXX XXXX XXXX. 
On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police XXXX XXXX I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact Synchrony Bank carecredit with no success due to it being outside of their business hours.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of this account # XXXX with XXXX that is reporting on my credit report. SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX. XXXX account information was deleted from XXXX and XXXX because the fraudulent account could not be legally verify. Experian stated that they will delete the XXXX account in 7 days on XX/XX/1921 because of the FTC fraud report filed. However, Experian is still reporting the account on my credit report. Please provide me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. If you can not supply the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.I will further pursue all of my legal remedy without further notice to Experian. I have attempted to resolve this matter formally before filing a complaint and lawsuit! I give Experian authorization to check or investigate the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.
Product: Debt collection

On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX XXXX ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to Bass & Associates ... I contacted Bass & associates and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint against XXXX & Experian. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to XXXX  requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, XXXX, I invoked my right under the Federal Credit Reporting Act and disputed this account to Experian. Experian has continued to report this account although, XXXX, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should? XXXX  and XXXX  have stopped reporting this account, yet for some strange reason, Experian has continued to report it. The LAW is clear and straightforward, and I feel as if Experian & XXXX is using this pandemic as a means to break it and violate my rights. Additionally, I went to the Experian website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX Reference number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX, Account name : DEPT OF EDUCATIONXXXX, Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX BANK, Account number:XXXX, Account name : XXXX XXXX, Account number : XXXX, Account name : XXXX XXXX Account number:XXXX, Account name : XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX, Account number: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 15 U.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

A new checking account was opened in my name on XX/XX/21 with Huntington Bank. I was alerted because an account creation email, online banking confirmation email, two email address change and two phone number change emails were sent to my personal email address on XX/XX/21. I reached out to Huntington Bank on XX/XX/21 and they confirmed a new account was opened but would not tell me what email address or phone number was listed on the account. They closed the account.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1100.00} in XX/XX/XXXX. The first payment of {$530.00} was deducted on XX/XX/XXXX. I have since paid {$370000.00} in CAB fees. This is egregious, and although I thought I understood the repayment process, I am still paying this loan. They said I must make six months of CAB payments before I can pay off the {$1100.00} loan. I feel that this is predatory, and they should be required to apply some of the CAB fees to the loan principal without me having to call back three days after I pay the CAB fees to make an additional payment to pay down the principal. 

I signed the contract but was not fully aware of the CAB fee process. It was explained to me, but I still think it is predatory in that they have collected triple the original loan amount. I have sent a cease and desist letter via email requesting that they discontinue debiting my account, and I am requesting arbitration to settle the debt.
Product: Credit card

On XX/XX/2023, I made a purchase of 14 items with an online retail vendor for {$290.00}. The same day, I received a shipping confirmation generated by the vendor, as well as a XXXX shipping confirmation with a US postal service tracking number. On XX/XX/XXXX, I tracked the whereabouts of the shipment through the USPS website and saw that the package status was : " Pre-shipment label printed; USPS is awaiting shipment from sender. '' I reached out to the vendor regarding the shipping status and am informed that " Processing time for orders is 7-10 business days. '' I reply that the shipping confirmation suggests that the order has already been processed and is now en route to the customer ( me ). However, the carrier has not received the package yet and I am requesting the status of the shipment, not an unprocessed order. Again, the vendor states that they " just print the shipping labels as soon as the order comes in... but the website shows that order processing takes 7-10 business days. '' Having been a long-time XXXX member and former seller, I know that XXXX holds the buyer funds until a seller ships purchased goods. Yet, I continue to wait several days for an update. After 10 business days from the time I placed the order, I contact the vendor. Vendor gives me the runaround several days until I request a refund twice. When it becomes apparent that I'm not getting anywhere with the vendor, I dispute the charge through Bank of America ( issuer ) on XX/XX/XXXX. After that, I open a fraud case directly with XXXX against the vendor, since the vendor used XXXX as the payment XXXX and generated a shipping confirmation to me through them, even though she didn't ship the items. On XX/XX/XXXX, Bank of America notifies me that they have filed the dispute with the vendor 's bank. I receive no other notifications since that time. Today, XX/XX/XXXX, I check the status of my dispute through Bank of America and see that the claim has been closed with a status of " Resolved - Claim not Paid '', with no explanation provided!! I still have not received my order and am out of the money. Now I'm opening this claim against Bank of America for closing the claim with no notification to me -- I just happened to stumble upon it -- and no explanation for the denial nor follow up. As the victim, I am not willing to eat the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt from Stallings Financial Group listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If Stallings Financial Group can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

**A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

**Documentation showing I agreed to pay this alleged debt. 

XXXX*The Agreement that grants Stallings Financial Group the authority to collect on this alleged debt. 

**A copy of Stallings Financial Groups state license ; including license number.
Product: Credit card or prepaid card

I was paying my card regularly after i bought furniture from XXXX XXXX. Last month, my balance was less than {$700.00} and now I am at more than {$3600.00} because of more than {$3000.00} interest added to the account. 
The above shows that these guys are predators. I could pay this amount but I would rather sue the company as I believe that their actions impact a lot of the people that deserve to be helped, the vulnerable. 
Furthermore, I have never seen that statement as I always go in my account and pay and leave. Also see the minimum payment due in XXXX, if they really wanted to warn anybody, they would have made it the remaining balance and they did not because it is a trick. They should be ashamed of themselves. Additionally, it was funny that they threatened me with another promotion that would be ending mid XXXX, and that is supposed to make me pay off the interest promptly. XXXX XXXX methods are simply despicable.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ERC-XXXX-Balance {$600.00} ENHANCED RECOVERY CO L-XXXX-Balance {$600.00}