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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX
Product: Debt collection

XXXX XXXX XXXX insurance charges of health and report not having paid hospital expenses,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the XXXX XXXX, XXXX, and Experian concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( Experian/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: Debt collection

I asked Leading Edge Recovery Services/XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about XXXX XXXX XXXX but are not XXXX XXXX XXXX themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on Equifax and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.
Product: Debt collection

RE # XXXX Acct # XXXX This is a fraudulent medical bill put on my credit report. 
On XX/XX/XXXX, I faxed a request to reinvestigate the following incorrect item, which they list on my credit report ( s ) as a collection : ARS Account Resolution in the amount of {$1500.00}. 

The computer-generated response I received is unacceptable and I am losing patience. This information is invalid, negative, unduly, and unfair incorrect information on my credit report. 
As a requirement of the FCRA, they failed to provide me proof of the alleged debts validity by NOT providing me with the following : ( a ) breakdown of fees including how you calculated what they claim I owe ; ( b ) a copy of my signature on a contract or document that holds me responsible for this alleged debt : and ( c ) proof that you are licensed to collect this debt ( if valid ) in my state. 
Their response listing XXXX XXXX XXXX. XXXX XXXX XXXX is not enough information to validate anything. I have XXXX as my insurance provider and there is no record of me receiving treatment for any service for the date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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 Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency.

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX, when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.
Product: Credit reporting or other personal consumer reports

This was deleted from all credit agencies except Experian. All the information on XXXX XXXX and Experian are correct. Please update all information to be exactly the same as the other companies. Thank you
Product: Debt collection

Action taken by company : XX/XX/21, XXXX XXXX XXXX, I received a letter from CACH , LLC on XX/XX/21 Received a letter from this attorney office with an original Creditor acct # ; stating that I have an account that they purchased. I don't know of this company, XXXX XXXX XXXX nor purchased anything from XXXX XXXX XXXX. My personal information was jeopardized from my work and also by XXXX. CACH , LLC purchased a XXXX XXXX XXXX balance : XXXX ; offering XXXX to resolve debt with account from XXXX XXXX XXXX XXXX and has been placed with CACH , LLC agency. 
CACH , LLC letter states : Unless I notify the office CACH , LLC, within 30 days after receiving this notice that I dispute the validity of the debt or any portion thereof, there office will assume this debt is valid. 
If I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification. If I request from CACH , LLC office in writing within 30 days after receiving this notice, CACH , LLC will provide the name and address of the original creditor, if different than current creditor.
Product: Mortgage

On XX/XX/XXXX I received an email from chase that me and my husband owe {$9400.00} to our mortgage company 5 days prior to XX/XX/XXXX, or our mortgage goes up {$1300.00} per month for 1 year. My husband and I were immediately confused. We have paid our mortgage on time every month and we have a fixed interest rate. 
After much of my own investigation. Chase bank obtained our loan from XXXX XXXX last year. They obtained the completely wrong tax information. They had my property taxes down as {$11000.00} per year. When my taxes had been XXXX. They paid my taxes quarterly. I also found out my taxes went up {$2000.00} mid year. Which chase bank paid for however, my monthly mortgage never changed. So not only were my taxes down incorrectly in their files but they went up as well. 
I asked the servicer to allow me to take my home owners insurance and property taxes out of my escrow as I no longer trust their calculations. This would also decrease the amount that is due at the end of the month considering a good portion of that money owed is escrow. 
Chase Bank is not only not taking accountability for their error, but denying me the ability to remove property taxes and home owners insurance off of my escrow. They say because I have PMI their policies wont allow it. I told them I do not have the funds to remove PMI that would require {$100000.00} from me. They told me nothing else they can do. 

They have handled my account all year. I handle all of my personal banking through chase. This is something that shouldve been captured earlier or even given more time to come up with such funds. That amount of money up front or increase per month can put us in foreclosure. That is another mortgage to pay every month for one year. 

Not to mention our mortgage even after this lump sum or increased payment for a year. Our mortgage still goes up {$500.00} more a month permanently due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus to dispute department of education/XXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with TransUnion and XXXX who continues to report on account that is no longer belongs to me.
Product: Checking or savings account

I am writing to file a formal complaint against Capital One regarding the inexplicable and ongoing security block on my bank card that began on XX/XX/year>. The bank 's lack of transparency and failure to resolve this issue has left me frustrated and unable to access my own funds. 

Complaint Details : Description of the Issue : On XX/XX/XXXX, I discovered that my bank card was blocked. Upon contacting customer service, I was told the block was due to inactivity and that verifying my identity would reactivate the card. Despite this, all my purchase attempts were declined. When I called again, another agent claimed the issue was due to " high security '' settings on my account, yet the card continued to decline transactions. 

My third call was even more infuriating. The agent could not specify the reason for the block, citing a vague " unknown security block '' that could last hours, days, or even months. This lack of specificity and resolution is unacceptable. As a result, I had to wire my money out of the account just to access it, incurring additional costs. 

Efforts to Resolve the Issue : I repeatedly called Capital One between XX/XX/XXXX and XXXX, XXXX seeking a resolution. After wiring money out, I requested reimbursement for the wire fee, but this was denied. Each agent I spoke to provided a different explanation, none of which resolved the issue, leaving me without access to my own funds. 

Conclusion : I am deeply dissatisfied with Capital One 's handling of this situation. The inability to access my own money, coupled with the poor customer service I received, is unacceptable. I trust that the Better Business Bureau and the Consumer Financial Protection Bureau will hold Capital One accountable and assist in resolving this matter promptly.
Product: Mortgage

I am very pleased to report that, subsequent to my recent query through the Bureau, I received notification from Mr. Cooper that they are re-initiating the short sale, using the buyer who is offering their requested price. 

I am enclosing the letter I recently received, which requests all the usual paperwork to fulfill my part of the process. 

However, the XXXX file that was re-opened seems to reject the new short sale, and my efforts and the buyer 's agent 's efforts have not produced any resolution of that situation. We wish to send my paperwork NOW, but it is not being accepted by XXXX. 

So I am back again, hoping to communicate more directly about this situation so it can be resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint requesting that the Crediet Bureaus remove the disputed fraudulent items removed from my Creditt Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any accounts and information which is 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. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX NV XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Student loan

The majority of monthly repayment monies is going towards the interest with no monies being applied towards the principal at all in some cases. For example, 0 monies were applied to the principal for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment posted on XX/XX/XXXX reflects a - {$10.00} principal payment and a - {$440.00} interest payment.

The payment for XX/XX/XXXXreflects what I feel is a true calculated payment as - {$300.00} was applied to the principal and - {$140.00} for the interest. I believe there are discrepancies throughout the 13 years of history on these loans and reflects a gross inconsistency in the repayment of my loans.
Product: Checking or savings account

account : XXXX debit card number : XXXX XXXX XXXX XXXX Chase Bank has placed me, XXXX XXXX, in a humanitarian crisis. I notified Chase Bank that I would be out of the country XX/XX/XXXX thru XX/XX/XXXX When I attempted to reserve a hotel in the XXXX, the charge was declined and I was not able to locate a place to stay, as Chase Bank had restricted / declined all my purchases. 

I called Chase Bank 6 times to resolve this. There was no suspicious activity nor any reason to decline the hotel transaction. Chase Bank then blocked the card for ATM withdrawals. I was not able to purchase food. I had some nuts and I am stranded here in the XXXX. HELP. Urgent. This is an emergency. I am very far from any embassy or consulate. 

Chase Bank has stranded me. I have over {$2000.00} USD in my account, but for no reason, Chase Bank has Frozen my account. 

At first the outsourced representative in the " Fraud Department '' asked to text me, but I am OUT of the country, so of course I can not receive texts. I do not have that phone, that plan or a way to receive SMS in another country. 

After I told the outsourced representative, they refused to verify me with a ) account activity b ) my credit profile c ) having me login to my account.

I can of course log into my account. Chase has frozen all transfers, payments, withdrawals, debits, for NO REASON at all. I just tried to book a hotel, got declined by Chase and now they are punishing me and I have no access to funds and I am in a foreign country. 

HELP! Urgent! Emergency! Humanitarian Crisis.
Product: Money transfer, virtual currency, or money service

Until XX/XX/year>, I had a crypto account with Robinhood. This complaint is about Robinhood 's limit order form for selling crypto. 

On XX/XX/year>, I placed a limit order to sell XXXX units of XXXX for {$300.00} per unit. When placing the order, I noticed that Robinhood had changed the limit order form from the last time I used it several months prior : the new form was confusing, i.e., it was not clear what dollar amount I should be placing in the form, the limit amount per XXXX unit of XXXX or the total dollar amount for which I'm willing to sell the entire XXXX of XXXX. As a result, I ended up putting the wrong amount in the form, and my limit order filled on XX/XX/year>, at {$100.00} per XXXX or {$300.00} total. 

Unfortunately, I did not take a screenshot of the limit order form, and since I no longer own any XXXX with Robinhood, I can no longer capture it. However, I felt misled when I was asked to fill out the limit order form, which did not clearly state if the amount I was putting into the form was for the limit price per one unit of Litecoin or for the total number of units that I wanted to sell.

As a result of this transaction, I ended up losing hundreds of dollars. Thank you for your help in addressing this with the Robinhood platform. 

XXXX XXXX
Product: Bank account or service

About a month ago, a XXXX analyst from M & T called to verify my identity. The rep swiftly gave out my entire SSN, DOB, and XXXX without my permission. Not long after there was fraud on my debit card, and prior to the transaction posting i called M & T to advise them. They placed a fraud status on my debit card, and assured me my auto billing would still go through, i would receive a card quickly, and the credits would appear quickly. A week later- no card, no credit, billing was declined. I called on XXXX different occassions and was told " no card since you are overlimit due to fraud '' - which makes no sense. Then they said they are allowed to wait 10 days to post a credit so they are waiting 10 days. Manager after manager failed to be helpful and provide a reasonable solution for me to access my checking account. I was told it was not their problem with my bills being declined, and they refused to give out the Executive office phone number. They allowed me to go almost 10 days from the reported fraud to send a card and provide a provisional credit, and only when prompted did they apologize. To add insult to injury, i jsut received a letter from them stating " Let us manage your account '' and inside it informed me that i was over my credit limit- which was due to fraud!!! Such a terrible experience for a customer from over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.
Product: Debt collection

I was denied a XXXX  Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX  Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies and violations regarding my credit report, which prompted me to initiate a formal dispute under the Fair Credit Reporting Act ( FCRA ). These violations include reporting inaccurate information, failing to validate debts, and not adhering to the permissible purposes outlined for accessing my credit report. Specifically : My personal information contains errors that I requested be corrected or deleted.

Credit reporting agencies and debt collectors failed to validate debts as required under 15 U.S. Code 1692g, yet they reported them as accurate.

Late payments were inaccurately reported, and no proper explanation was provided regarding what constituted " late. '' Hard inquiries were made on my credit report without my consent, violating 15 U.S. Code 1681b ( a ) ( 2 ). 
Unverified and potentially fraudulent accounts were added to my credit report, which included identity theft claims that were not addressed properly. 
Additionally, some entities failed to disclose my right to opt out of sharing personal information and engaged in practices that seemed deceptive and contrary to FCRA Section 616 regarding willful noncompliance.

I have requested immediate corrections, validation of debts, and removal of unauthorized entries. I expect a resolution, and if not, I am prepared to pursue legal remedies for noncompliance under the FCRA.