23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

From XX/XX/2018, my account balance with Veros Credit was  {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. 

I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. 

When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. 

I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their  customers, than they should not be in business. 

( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
XXXX XXXX XXXX Account NumberXXXX Please correct/update this inaccurate information on my credit report.

2. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : XXXX Date of Last Activity : Equifax XXXX XX/XX/year>, which differs from the dates reported by XXXX XXXX XX/XX/year> ) and XXXX ( XX/XX/year> ). These discrepancies could indicate a lack of synchronization in the data among the agencies. 
Last Payment Date : Equifax reports XX/XX/year> as the last payment date, while the other agencies mention XX/XX/year>. If all payments were made at the same time, this difference might be inaccurate. 
Creditor Type : Equifax categorizes the account as " Auto Financing '', while XXXX uses " Savings and Loan Companies '' and XXXX lists " Personal Loan Companies ''. This could be an error if the account type is the same across all agencies. 
Payment Frequency : Equifax does not include information about payment frequency, unlike XXXX, which mentions monthly payments. This could be considered incomplete information. 
Closed Date : Equifax does not report a closed date, unlike XXXX ( XX/XX/year> ). This omission might create confusion about the account 's status. 



Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Product: Money transfer, virtual currency, or money service

I opened a Robinhood account in early XXXX XXXX XXXX. I deposited cash ( around {$10000.00} ) from my checking account and a Savings account, then I started making stock and crypto trades normally. On XX/XX/XXXX, I suddenly received a message within the Robinhood app " Your account is temporarily restricted. Submit documents to verify your info so we can resolve your restrictions. 
Submit documents '' This is unusual, as I have not been asked for this information from other brokers where I have accounts, but I comply. 

The other documents are banks statements from the 2 banks I made transfers from and they want a selfie. I upload the selfie. They have my driver 's license on file. Somehow, they have a way to retrieve the bank statements because there isn't an option to upload them but they are " checked '' as accepted. I submit the info and they said : " Weve received your documents Well review your documents and notify you about your account restrictions by XX/XX/XXXX. '' I'm already skeptical about this as they haven't really taken the bank statements, but I wait until the next day. 

The following day the restricted message is still in the app with the same messages to submit the documents. I go through that process again and this time it says : " Well review your documents and notify you about your account restrictions by XX/XX/XXXX. '' At this point, I'm starting to lose money because I can't make any moves in my account. 

This process continues up until today, XX/XX/year>. The latest message is : " Well review your documents and notify you about your account restrictions by XX/XX/XXXX. '' I'm starting to think Robinhood has stolen my money. 

I reached out to support several times through the app. You can't directly chat with anyone or call anyone about this. Eventually I got an email from support saying " Your account is restricted due to a recent review. We'll contact you by phone and email soon to request any information needed to complete your review. '' There's no explanation of why they did this with no urgency to resolve it and I'm losing money. Isn't it illegal to highjack someone's funds like this?
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account on my record, despite my fifth attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution.

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct account : XXXX XXXX Balance : {$74.00}.
Product: Credit card or prepaid card

I have a Chase credit card that has a travel insurance benefit that we tried to use, but Chase would not fulfill the benefit, claiming that there is no record of XXXX XXXX rendered. My partner and I had a trip scheduled for early XXXX booked on the previously mentioned Chase credit card. Unfortunately, my partner ( whom I live with ) came down with XXXX three days before we were supposed to leave and were forced to cancel the trip. We had record of a positive test, a doctor 's note confirming the result, and shared all of this with Chase benefit claims. I also read through Chase 's explanation of the travel insurance benefit, which mentioned specifically that it covered cancellations due to XXXX diagnoses. However, after several months of back and forth ( mostly Chase attempting to escape on technicalities and asking for repetitive documentation ) Chase denied the claim with the explanation of no XXXX XXXX occurring, even though we had the positive test and doctor 's note. It's not clear what XXXX XXXX need to occur anywhere in the description of the benefit and the denial is especially confusing given they mention XXXX as an example of something that would be covered.
Product: Mortgage

we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants, repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification, which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.
Product: Checking or savings account

Capital One is blocking me from enabling external applications. I can not connect XXXX XXXX  to my account
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. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 card

I made a payment to my account using my personal savings account for {$3000.00} on XXXX XXXX XXXX, I attempted to use my card to purchase food on an online app & was met with a decline. I checked my available credit, and it showed {$0.00}. I found this odd as I have a limit of {$5500.00}, and the amount owed on the card was {$4300.00}. I was told there were circumstances on my account ( new account & large payment ), and my {$3000.00} payment was placed on hold. I was upset at the situation and escalated as this has now put me in a bind due to the money already leaving my external bank & now it's not available for use, but also the circumstances in which they placed the funds on hold after I've already made the payment. I made an additional payment of {$100.00} from a known and trusted account ( an account used to make multiple payments before ) to ensure an installment payment I had processed would go through, but the money is now unavailable. I contacted Goldman Sachs for the Apple Card and was advised that the {$100.00} payment was processed and should show available. I made them aware it has not & needs to be available for the payment that will be processed on XX/XX/2024. My call was escalated to XXXX, a manager within the call center & I was informed that while I had a balance of {$1200.00}, & while my payments of {$3100.00} were accepted and {$3000.00} of that is on hold, I do not have enough funds on my card. I was taken aback as just yesterday, I had an amount available & if we calculate the above numbers, I should have available {$1100.00}. I have now been informed that the balance for the installment plan for XXXX XXXX XXXX is also being considered in the balance & that's why my account is showing {$0.00} available. It has never been considered part of my balance before & I'm currently on my XXXX installment plan payment. Due to this, the payment for the installment plan I was told is part of the balance is now going to decline & I have no recourse for the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing default payments from XX/XX/2017 of XXXX this perticular account I disputed with XXXX XXXX  for many months prior as they were never actually able to provide me with any kind of service whatsoever for broadband which ultimately forced me to find another supplier who could provide the service but they sent me a bill anyway for XXXX after lengthy discussions they said they had provided a service and i must pay I supplied all the emails I sent asking for the problems to be fixed otherwise I would have to find and alternative supplier. They then started threatening court action which I actually encouraged becouse I knew it would finally be sorted out. They then decided just to mark XXXX which includes late payment charges as default payments on my credit report which I have been trying to get removed ever since and no body seems interested in correcting. I'm absolutely appalled that a company can just ruin your credit report on a whim without any kind of evidence or legal right to do so. Its discracfull we are allowing this to happen i had a ccj applied to my account from a water company who apparently took me to court but never informed me the first I heard about it is when I see it appear in my credit file these kind of things have to change if it was anywhere else they would be being sued for deformation of charicter. After trying to correct these multiple times with XXXX and eqifax I have got no where the best I have got is some links to the ongoing dispute which doesn't actually work I have been trying to get thus resolved since 2017 and causing serious problems for me and I just want someone to step in and get this resolved now. 

If you require the emails and responses sent to XXXX XXXX please ask and I will forward them to you. 

Many thanks XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reporting that ive never received. 

Student loans are forgiven credit reports doesnt reflect that. 

Multiple accounts paid off doesnt reflect on credit report. 
Erroneous credit pulls Southwest credit systems XXXX is paid off still reporting a balance
Product: Student loan

I have attended XXXX XXXX XXXX XXXX XXXX in the past. The department of Education has sent me a notice stating that I may be eligible for discharge of loans. I really need help with this situation because I have loans that I have accumulated and feel that I am stuck because I have huge debt that I have accumulated and never received a degree to apply for a job. Could you please contact me so I can try to resolve this issue.
Product: Credit reporting 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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

My tax assessor sent an incorrect tax bill to my mortgage company in 2016. The mortgage company, AmeriNat, then paid the incorrect amount. When I called to explain the issue, the mortgage company insisted that it was my responsibility to get the accurate bill which I did. The tax collector told me that a refund was issued to my mortgage company on XXXX/XXXX/16. My mortgage company then increased my mortgage payment to compensate for the mistake payment despite the fact that I provided them with the accurate bill. They then told me that it was my responsibility, not the tax collector 's responsibility, to make sure that the refund was received. I was even able to give them a check number and the date the check was sent to the third party vendor that accepts their payments but they refused to acknowledge it because they said they never received the payment. So basically I 'm stuck with a mortgage payment that is {$1600.00} more than it should be because Amerinat refuses to investigate the situation and take the appropriate action. They are comfortable to hold me financially hostage. Plus, there toll-free number does n't even work, making it extremely difficult to even discuss the situation with them.