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

My car was involved in an accident back in XX/XX/2021. The insurance paid it out and the company claimed I have a balance of {$2200.00} and wanted me to finance another car through them. I refused because of the customer service experience I dealt with the whole time that I had my car. The balance went from {$2200.00}, to {$4900.00}. I reached out to the company to resolve this and now they are saying I owe over {$5000.00}. They are trying to XXXXXXXX XXXX XXXX Owner XXXX XXXX advised he was going to look into this and he hasnt reached back out
Product: Debt collection

I HAVE DISPUTED THIS ACCOUNT OVER AND OVER AND ASKING FOR VALIDATION TO PROVE I AM RESPONSIBLE FOR THIS DEBT. ACCORDING TO THE FEDERAL TRADE COMMISSION I HAVE THE RIGHT TO ASK FOR VALIDATION. THEY HAVE NOT PROVIDED ME WITH ANY PROOF LIKE MY SIGNATURE THAT I AM THE PERSON WHO THIS DEBT BELONGS TO. I AM A VICTIM OF IDENTITY THEFT AND HAVE FILED A REPORT WITH FTC. THIS ACCOUNT DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly. I am writing to file a formal complaint against the credit reporting agency ( CRAs ) Experian regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Experian have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letter to Experian disputing the accuracy and compliance of information reported by XXXX XXXX XXXX XXXX XXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Experian responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Experian Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned about the Experian apparent lack of vigilance in upholding the integrity of the credit reporting system. Experian plays a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Experian failure to accurately report non-compliant information has led to severe financial and personal repercussions. 

| Reporting Discrepancies | XXXX | XXXX | Experian | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | | Reported On Record To | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per XXXX ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per Experian ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | - | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | XX/XX/XXXX | - | - | | 120 Days Late in | XX/XX/XXXX | XX/XX/XXXX | - | | 120 Days Late in | XX/XX/XXXX | XX/XX/XXXX | - |
Product: Credit reporting or other personal consumer reports

XXXX XXXX  placed hard inquiries on my credit report without my authorization.
Product: Credit reporting or other personal consumer reports

I have been contacting Equifax and XXXX putting in claims and submitting police reports explaining that the XXXX auto loans dont belong to me I never had them nor insured them, ask them to investigate and remove them under code 15 USC 1681s-2 and also rule 408 B
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that on XX/XX/2020 I have written the Consumer Reporting Agency Equifax Information Services then requesting a investigation as to some accounts being reported on my Equifax Credit Profile. I did not receive any updates, correspondence from the reporting agency. On XX/XX/2020 I attempted to go on to myequifax a portal where consumers can file disputes and get updates on disputes or other investigations pending with Equifax I carefully answered all the security questions correctly Equifax will not allow me online viewing of my report and I would like to explaination as to why? Also I wanted to check the latest status of my dispute Mailed to the reporting agency on XX/XX/2020 via US Mail. Also it should be noted that I can not access my report on XXXX I do ask that the consumer reporting agency contact me direct at my current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Mortgage

We have requested a payoff for XXXX and XXXX XXXX via email on XX/XX/20 and XX/XX/20. We have received no response as of yet. When trying to contact a live specialist to resolve this matter ( multiple times and days since the XX/XX/XXXX ), it goes straight to a message stating that someone will call back within the next business day. No one has called back to address this matter. We are not able to order one through the automated system. We are closing on this file and with no way to get a hold of someone or no response we are going to have to delay. We need a payoff ASAP but there is no recourse for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from XXXX. This account should be deleted by law.
Product: Student loan

I joined a repayment plan through Navient in the beginning of XXXX. Before you are entered in the repayment plan, you have to go through a 3 month qualifying period. I was informed of the 3 month qualifying period and that after the 3 months my Navient account will be up to date. However, I was not informed that my loans are still going to be sent in for collections which will affect mine and my co-signer 's ( on one loan XXXX credit. I did not receive any phone calls from their collections department or any letters stating that they would CONTINUE collections. No collections calls were made so I was under the impression that it was no longer being sent to collections. 
As of tomorrow, the loan that my co-signer is on, will be brought current and Navient refuses to fix the delinquency errors that were their fault due to their neglect in providing that specific information. Now my co-signer ( my father ) can not get the house that he was trying to get. He was pre-approved for a VA loan and now, due to these delinquencies on his credit, is no longer eligible for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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: Money transfer, virtual currency, or money service

Our company XXXX XXXX XXXX XXXX had a person posing as XXXX XXXX  get into our computers on XXXX XXXX,XX/XX/XXXX2022. They locked us out and then I started calling Chase. I called 4 times on XXXX XXXX, 2022 worried about our money. They told me to change the password which I did 2 times that night. The lady I spoke to that night said not to worry and I said I didn't want to wake up to money being taken from our account. I went to bed. At XXXX XXXX   on XXXX XXXX,2022 they wired {$39000.00}. from our checking account. They sent me a text a XXXX XXXX. It said call at XXXX  when they open if this isn't correct. I called at XXXX  and filed a complaint. They dropped the call. I called back at XXXX and was told to get to a branch when the open. I did at XXXX. We closed the account and opened a new one. The account said pending on the wire transfer from XXXX XXXX on the XXXX through XX/XX/XXXX. I feel like Chase could have helped but didn't. Also, the FBI and XXXX wanted help but Chase wouldn't let them. I asked for information on where and who and what account it went to. They told me I sent it and I should call my friend and ask for it back I don't know the person that got it. 
Please help me. Thank you for any help.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment in the amount of {$980.00}, to Capital One via the XXXX XXXX XXXXXXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I was given the ACH number and related transaction number. The XXXX XXXX XXXX representative and contacted Capital One via conference call and described the issue with one of Capital One 's supervisors ( name not remembered ). I received no further correspondence from Capital One but on XX/XX/XXXX, a refund was in the amount of {$980.00}, was posted to my XXXX XXXX XXXX account. 

Why was the money refunded and not applied to my Capital One credit card account? Interest continues to accrue. 

Then on XX/XX/XXXX, I made another payment to Capital One in the amount {$1000.00} via the XXXX XXXX XXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I contacted Capital One and was told by a representative of management there, that the matter would be investigated. To-date I have heard nothing from Capital One and my balance with them still does not reflect the {$1000.00} payment. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$28.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$580.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

I have never given Capital One authorization to directly debit my XXXX XXXX XXXX account. How could this be done? 

It is noteworthy to inform you that I have authorized Capital One to auto debit {$40.00} each month from my account with XXXX XXXX. which they have done correctly for more than 5 years now. These payments via XXXX XXXX XXXX were extra payments
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My home was damaged by fire in XXXX 2013, a claim was submitted to XXXX XXXX XXXX XXXX by Ocwen Loan Servicing, my mortgage company. The total amount approved by XXXX XXXX to cover the cost of the damages was {$150000.00} of which {$14000.00} was held back, and is still being held by XXXX XXXX as recoverable depreciation. Of the {$130000.00} that was disbursed to Ocwen, only {$100000.00} was paid toward the required repairs to my home. I have been trying to get Ocwen to release the remainder of the funds to enable me to complete repairs on my home, but to no avail, they are stating that all monies paid to them by the insurance company has been disbursed for repairs to the property. I even tried speaking with XXXX XXXX about releasing the recoverable depreciation to assist me in completing the repairs, but I am getting nowhere. I am currently paying the mortgage on the property that is not habitable. The other issue I am facing is that, in spite of the fact that the house repairs are incomplete, Ocwen is claiming that they have been sending inspectors to the property to appraise the progress of the repairs, and they have subsequently received a work complete report from their inspector, whose name remains a mystery. 
On another matter, I would appreciate if you would look into the work ethics of XXXX XXXX XXXX, also known as XXXX XXXX XXXX, they are the contractors whom I hired to do the repairs on my home, but they decided to take the insurance funds and not do the required work, incidentally, this was what drew my attention to the fact that Ocwen was withholding insurance funds. XXXX XXXX. XXXX XXXX, accepted and cashed checks by forging my signature.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Jefferson Capital Systems , LLC, I am aware that the statute of limitations for this debt has expired and that you may not be licensed and bonded to collect debts in New York. Your continued collection attempts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and New York state law. I request that you cease all collection activities and provide written confirmation of the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit reporting No one can you my credit without my consent and written consent.
Product: Checking or savings account

XX/XX/2021 I opened a synchrony bank account and deposited {$48000.00} dollars in a high yield savings. 
XX/XX/2021 Ive placed a transfer for {$10000.00} dollars to have it sent back to my bank account at chase because I needed to prepare and put a down payment for a new car XX/XX/2021 Synchrony bank decides to restrict my account due to unknown reasons. Ive called synchrony bank what was the reason for the restriction and they refused to give me a reason. I am the owner of chase checking and synchrony bank. They told me that I would have to wait 60 days for the account to be lifted and now my money is being held hostage and now feel unsafe thats the money can not be reached.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and found lots of addresses and my personal address with errors in it. I have attached my information so you can update my address to be accurate. Please update my personal information to one accurate address, one accurate name and such. Please mail me an update of my information updated when it's done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent a copy of a report with the late payments reporting on these dates XXXX XXXX XXXX  unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 USC 1681a ( d ) 1 ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a vacation for my XXXX birthday for my mom, sister and myself. I charged my mom and sister 's vacation on a XXXX card. I purchased my vacation on the Citibank card. I booked the vacation through Cheap XXXX. When we arrived to our vacation spot the hotel recommended by XXXX XXXX was an all-inclusive resort which was supposed to include the following but not limited to, non-motorized water sports, daily activities, nightly live shows and entertainment. 
The first evening our room did not have electricity for two nights and the " all-inclusive '' resort did not have the amenities that it was claimed to provide. I attempted to work with the merchant and the hotel and their recommendations were not acceptable to me. 

Upon my return from the vacation, I disputed the charges with XXXX and Citibank. XXXX was able to recover the disputed amounts and Citibank responded on the last week of XX/XX/XXXX that they were not able to recover the disputed charge of approximately {$360.00}. 

I had called Citibank to discuss their decision and after speaking with a variety of associates at Citibank they told me that I did not accept the merchant 's suggestion to move to another resort. XXXX XXXX of Citibank told me her position was with the Executive Response Unit of the President of Citibank. She actually insinuated that I should have moved to another resort. Ultimately, the associates of Citibank should not discuss what options I should have taken and Citibank should have handled recovering the disputed amount with the merchant because what was offered was not provided and their recommendation to move to another resort one day prior to my departure was not an acceptable solution for me and my family.
Product: Checking or savings account

They are holding my paycheck as fraud, I cashed my check via mobile app on XX/XX/2024, and they held it for more than 10 days. it was disbursed on XX/XX/2024, according to my boss. they are still holding my money with no answer, they are stating it is fraud because my work address is in Texas, we explained why my address is in Texas to them, it is due to us repairing commercial buildings after major fires. We move a lot. they asked for my boss 's number and we provided them with that information right away. a lady on the phone told me they would hold my funds til XXXX with no reason why. I think it's because I am XXXX. I asked if they had done anything else to get my account off fraud and they stated no and couldn't tell me any more information. No police report was filed and I am still without my paycheck.