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

When I investigated my credit report, I realized that some of the information was erroneous. Experian is 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 : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is saying this account is verified, but have not delivered how they verified. They are unresponsive to letters asking for this information as is due to me by law.

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not computer generated confirmation.

Please provide : 1. The names and business address of each individual with whom you verified the information above, so that i may follow up.

2. The creditors address and telephone number.

3. The date they contacted the individual they used to verify the information 4. The documentation used to verify the dispute. 

XXXX XXXX XXXX - Acct # : XXXX XXXX XXXX XXXXXXXX - Acct # : XXXX
Product: Bank account or service

I am submitting in regard to case number XXXX I had already filed a complaint and gotten a response. The XXXX bank done what they needed to do after investigating the initial complaint ( XXXX XXXX, atm didnt ' give money/filed all proper disputes/etc ) and they had responded saying that they had keyed in a credit thru their processor to American Express ( which is the card I had used at the atm ). Well, American Express has closed my card without my knowledge first and now I am wondering how I am supposed to get the credit that was keyed back in to my card?
Product: Money transfer, virtual currency, or money service

I am writing you formally to express my concerns regarding Zelle handling of disputes, practically in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle using Zelle numerous times And reporting discrepancies. my financial institution failed to investigate my claim adequately. They informed me recovering loss funds was impossible and tracking these lost funds was unfixable.the XXXX informed not only did the neglect protect consumers but also allowed repeated to exploit the system.
Product: Credit card

This is what is wrong and XXXX  many in our country. Credit card companies provide credit and credit limits with no fees and low interest rates. Once people actually use the credit and have balances they double and triple the interest charges. I find it interesting that the mortgage industry has been raked over coals on fees. Yet the auto industry and credit card companies can kill people with fees and interest. XXXX XXXX  Kohls I had $ XXXX available and have not used my card in months and on auto pay. Sir you have 3 months of interest charges over {$75.00} each. What interest rate are you charging me now??? 31.99 %!!! Talking about predatory lending. In an economy where many are struggling due to inflation something needs to be done! Rate hikes should effect new charges not old. Rate increases need to be better controled. Please advise how I can voice these concerns to have legislation passed!!
Product: Credit card or prepaid card

I 'm writing today regarding capital One who is n't removing me from an joint account and causing my credit score To look Bad because the perosn ca n't pay there bills and so capital one is reporting I ca n't pay the bill When I 'm not the main account Holder and I have n't even spend any money from this account which belong To My mom So I have asked them to Remove me months ago because my Credit had gotten good and i was n't In need of any help so when I called XXXX my self they told me that they ca n't and I told them Why and they claimed that they Needed my Mom to identify her self to Them because her accounts were locked and so i said ok she told me she sent the email long time Ago and you guys did n't get back to her with anything after which to that they stated they still Messed one more paper. So now after sending the papers in her account Is Still locked and she ca n't use it and I ca n't even remove My self which is bogus and making False claims on my credit report so I Need them To remove Me now this is n't fair and this is n't how capital one should react when I told them to remove it and they refusing too and causing more problems For me for no apparent reason I 'm not asking To use the money ima sling To be removed and there refusing even after they have all the information for my mom.
Product: Debt collection

Collection : Eastern Account Systems - {$300.00} Back in XX/XX/XXXX I had a medical procedure done at XXXX XXXX XXXX in XXXX, CT. My health insurance ( Connecticare ) was informed prior and all costs were to be covered 100 %. 

In XXXX, I was reviewing my credit report with a financial advisor and it was discovered that there was a collection outstanding that I did not know about. I was instructed to take action and send a certified letter to the debt collector ( Eastern Account Systems ), which I did on XX/XX/XXXX. I have never received any validation from them about this issue. 

On XX/XX/XXXX of this year, I noticed on my XXXX Credit Report that this had finally came off of my report, I had hoped that it was over. Now today, I checked my XXXX Credit Report and it has suddenly re-appeared. 

This seems to be a clerical error from the original creditor ( XXXX XXXX ) due to a coding issue with the insurance company that they never resolved. 

In XXXX, I had the same procedure at the same surgery center which only uses the above Anesthesia company without any issues. Prior to the procedure I contacted XXXX XXXX to make sure that it was going to be coded properly for payment by the insurance company. At that time, I was informed that they did in fact change their medical billing company since XXXX due to issues. 

I am trying very hard to have this taken off of my credit report with disputing with the collection agency and also XXXX and having no luck. 

Please feel free to reach out to me if you need any additional information. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy in 2017 and my three Commenity accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however XXXX on all three Commenity accounts are reporting balances in error. This is causing a 80 point drop in my XXXX score and I need the balances updated to show {$0.00} owed.
Product: Credit card or prepaid card

I paid my American Express balance in full in XXXX, based on the " unpaid balance due '' amount they published on their website ( not the statement balance ). American Express claimed I didn't pay in full because they hadn't posted the interest I had accrued on the " average daily balance for the month '' yet. They charged a full month 's interest on the balance I paid, even though it was not at the end of the month ( did not pro-rate the interest ), and because I owed this unstated interest, and the balance was considered " unpaid '', I continued to accrue additional interest on the unpaid balance. Even though I paid the stated balance due two months in a row, I continued to accrue unstated interest and thus, was considered to be carrying a balance. Additionally, according to American Express ' policy, by carrying this balance, I was not eligible for a grace period for any new purchases. A credit card 's standard grace period is 23 days before a purchase begins to accrue interest. However, because I was carrying a balance - this unstated interest amount - my purchases were not eligible for that 23 day grace period. ALL of my purchases began accruing interest on the day of purchase. The result was {$45.00} in interest due on a statement with {$62.00} purchase! I believe this policy represents usury, and is unethical, if not illegal.
Product: Credit card or prepaid card

i applied few time for XXXX credit cards and others and all are denied, I am feeling some type of discrimination a.bout because I got a credit standard
Product: Credit card

This credit card account was opened on XX/XX/XXXX with a credit limit of {$4500.00}, I barely used the credit card, but each time I made the monthly due payment, It sounds like the interest charge is equal to the payment I made or even more, so as a result I end up paying more than what I owed, they made some benefit over the credit limit and continue to charge me till this day, isnt that a rip-off, especially that I closed this account since XXXX XXXX XXXX  TD Bank is a complete joke. And with all of that I get letters threatening to report me to the credit bureau if Im late on payment. They even removed statements from XXXX XXXX XXXX  online, to hide payments I made, which is very suspicious and wrong.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I got a post card from money lion, they offered XXXX but you had to pay XXXX twice a week in addition to XXXX for loan which is fine I agreed to it. It stated you can not cancel money lion plus until loans paid off. About 2 weeks ago I paid off loan, contacted them through email I'd like to cancel money lion plus. They said it takes 3-5 days. Well 4 days after that XXXX and XXXX for loan came out of my checking again. I emailed them again tried calling but on hold for over hour. Then automatic response in email comes back they're not taking emails. I had to fill out a service ticket, get a response from that stating they are looking in to it but takes time. I responded I'd like my extra loan payment back, as well as membership fee, I've gotten no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was involved in a traffic crash in XXXX XXXX, Florida. A traffic crash investigation conducted by the XXXX XXXX Police Department ( XXXX ) determined that the driver of the other vehicle, a ten-wheel heavy commercial truck, was at fault. 

XXXX XXXX was my auto insurance carrier at the time of the accident. Despite the determination by the police, XXXX XXXX erroneously lists me as at fault. Furthermore, they have reported this erroneous information to LexisNexis. LexisNexis has placed the information in my Comprehensive Loss Underwriting Exchange ( XXXX XXXX ) report. The information in the XXXX XXXX report has unfairly caused me to pay higher premiums for insurance coverage. 

I have repeatedly spoke with the XXXX XXXX claims XXXX XXXX XXXX to dispute this matter. XXXX XXXX has refused to change the determination and has acted in a very condescending and unprofessional manner as if he was purposely trying to drive me to anger. He has taken what I characterize as a very arrogantly ignorant posture about the matter. He has insinuated that the XXXX traffic crash investigator was inept. I questioned XXXX XXXX training, experience and skills relative to conducting traffic crash investigations. He claims his expertise comes from processing a number of insurance claims. XXXX XXXX also informed me that he was in possession of a dash camera video from the truck that supports his determination that I was at fault. He has failed to provide me with a copy of said video after numerous requests. XXXX XXXX has also admitted to not providing a copy of the video to XXXX.
Product: Consumer Loan

Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts in trying to resolve with Experian, unfortunately I haven't been successful in doing so. I have sent several disputes and correspondence but yet Experian has provided any accurate verification of the accounts that they are reporting on my credit file. When I realized I my identity had been compromised several months I was advised that I needed to reach out to the local authorities. After doing so I was informed I should complete an identity theft report which I did and included several of some the fraudulent accounts in question. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX. Under the Fair Credit report Experian has 30 days to provide accurate verification as per section 609 and 611. It has been several months and yet Experian has failed to provide any documentation obligating me to any of the fraudulent accounts in question. Experian for some reason continues to violate my consumer rights and the Fair Credit Reporting Act and should be held accountable. It is clear in this situation where no accurate verification has been provided these accounts must be removed or I will be forced to proceed with litigation through a consumer attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Experian concerning the reporting of inaccurate accounts listed on my consumer report with Experian. I continue to submit evidence proving that these accounts are erroneous yet Experian always mails correspondence at the completion of their investigation stating that these accounts were verified by the subscriber. Even when I highlight specific discrepancies in how the same accounts are reported differently to the other bureaus. That leads me believe that Experian did not conduct a reasonable investigation to include reviewing the evidence I submitted with each dispute and instead relied solely on their e-oscar system to parrot information from the furnishers of the information in my credit file even though I supplied evidence that they are providing different information to each XXXX, Experian and XXXX.
Product: Bank account or service

Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. 

I already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. 

Unbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. 

I was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   2016 m ailed  3 forms to all  XXXX  bureaus Experia n  XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2 forms of ID and a Utility bill. I have reviewed my credit report and found informatio n and accounts that I do not recognize that may be a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting  Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it ) you have on file of the account ( s ) listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately .   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UNVERIFIED BANKRUPTCY   XXXX   XXXX   XXXX   XXXX    UNVERIFIED BANKRUPTCY  I have not received any corresponding mail from Experian or  XXXX  regarding my request to To verify That these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. XXXX and Equifax respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither XXXX or Equifax have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than XXXX.
Product: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with Green Dot about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask that the credit bureaus, XXXX, and/or creditors involved to removed the late payments on my credit report. Nationstar/Mr. Cooper bought my mortgage from XXXX XXXX. During this process, My auto pay did NOT transfer over and I was not notified of the mortgage buyout. As soon as I noticed the change, I satisfied my obligation. There may have been old or inaccurate information about me that resulted in me not being notified. As a courtesy and sign of goodwill, please remove the late payments on Nationstar/MrCooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined for an auto loan XX/XX/XXXX. Dealership said my Equifax file had a freeze. Multiple phone calls were useless. Equifax call center reps said I have no credit file. 
I was declined a credit card in XX/XX/XXXX due to no credit file at Equifax. More phone calls. Equifax rep escalated my issue to a higher authority, Still no help. 
I was declined a mortgage application in XX/XX/XXXX. Mortgage loan officer said underwriters claimed my Equifax file had a Fraud Alert. Mailed multiple documents to Equifax. Computer generated reply said no fraud alert. 
Many, many phone calls and letters to Equifax have provided no answers. 
Multiple escalations to level 2 tech support. 
Still no answers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have reached out to the company and have not gotten any results the dates on these accounts are incorrect. The months are different on other bureaus and these accounts need to be removed because the information does not match across all three bureaus. 

XXXX. XXXX XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX-Account XXXXXXXX XXXX XXXX XXXX-Account XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX, I sent in a letter to the law office of XXXX XXXX XXXX and National Credit Systems and also all 3 credit bureaus in regards to a collection from XXXX XXXX  XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XXXX of XX/XX/XXXXbut my lease agreement clearly states that my lease expired in XXXX of XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX. I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from National Credit Systems but I did receive a letter back from the office of XXXX XXXX XXXX. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XXXX. I challenge the accuracy, compliance and reportability of this listing.