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

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX
Product: Student loan

{$3300.00} {$1800.00} incorrect information!!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Mortgage

This company opened up a loan fraudulently in my name without verifying proper documentation. We have all proper documentation to support this matter. The company opened almost XXXX in loans back in XX/XX/year> and we received the first paper bill XXXX months later.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase on line for a generator when transaction was complete I received a confirmation number and it said they would ship as soon as possible. Couple days went by I sent a email asking about shipment since I didn't receive any info. No response. No number to call. 
I went to my bank ( Cash ) to file dispute to get my money back. Few days went by and I called the bank to see and was told my claim was denied. They said we will get ahold of the Specialty Team and they will provide you the documents they based their decision on. I had to call back at least 5 times because that dept. never reached out. Each time I called I went thru the same text book response. I started asking to speak with a manager the next 5 times I called and was told its not one available but they will reach out to me via email. Finally on the XXXX of XXXX that dept sent me a document to why I was denied note that they made this discussion a month ago and finally a manager reach out to me 2 days ago saying it was denied and its no over turning it. The Specialty Team denied my claim because they say it was a authorized transaction of course it was my dispute was because I didn't receive my generator not one time did I claim that I didn't recognize this transaction not one time. By their guidelines a refund can be given if goods you order dont show up or you received something you didn't order. Now all they say is we will have to send this to the Specialty Team and it can take up to 45 days for a dispute. They messed up the first time and they keep saying it was denied will someone actually read what my dispute is about all you do is give me the text book response and pass me to the people that took forever to send me info to why I got denied then they denied me for a reason that was not even a issue. My main complaint is with my card holder ( Cash App ) which is XXXXXXXX XXXX. The fact I've had to be talk to so back give them info that had nothing to do with my dispute. They did anything in hopes I'll hang up. Ask me at any time did I give out my pin number, what device was I using, my address and phone number and until you answer all them in order we can't help you. This was today and I went ahead and answered them all and her next response was I'll have to get you over to the specialty team and it could take 45 days to get a response. Not once was I able to talk with my voice or even tell someone what my dispute was really about because every agent automatically started with I see it was denied we need to get you to the specialty team and they can tell you way.
Product: Credit reporting or other personal consumer reports

There has been an identity theft going on with my TRANSUNION credit report as someone has tried to apply for a credit card with the name XXXX on XX/XX/year> without my knowledge or consent
Product: Debt collection

This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a 609 certified dispute letter to the credit agency Experian about derogatory information that's reported on my credit file. This letter states According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract 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.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I send the letter certified on XX/XX/2020, Experian receives the letter on and settles the dispute on XX/XX/2020, XX/XX/2020, I call Experian dispute department and notified under Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract. The Dispute Department indicated to me they do not abide by the Section 609 because we are a thrid party.
Product: Payday loan, title loan, or personal loan

So I applied for a Personal Loan after i received a Marketing Ad by Mail of which mas misleading with the displayed percentage they were showing i later applied and got approved and have been making payments but struggling since the interest is extremely high and every time make it harder to make payment. The Interest rate i never thought would be so high and so impact. the loan was for {$16000.00} i have made 5 payments of {$420.00} and the principal balance has only dropped to {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax, XXXX  and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.
Product: Payday loan, title loan, or personal loan

Consumer Review Title : Warning : Unlawful Credit Practices at Koalafi I regret to share my recent negative experience with Koalafi, based at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT, as they have significantly violated the Fair Credit Reporting Act ( FCRA ). 

During a recent credit application process, Koalafi denied my request for credit. This, in itself, is not the issue. The problem lies in their failure to provide specific reasons for this denial. Such behavior is a direct violation of the FCRA, specifically 15 U.S.C. 1681m ( a ), a law designed to ensure transparency and fair play in credit dealings.

The FCRA clearly mandates that if a credit application is denied, or if the terms offered are less favorable than those typically provided, the creditor ( in this case, Koalafi ) must offer clear, comprehensible reasons for their decision. Unfortunately, I received a simple notice of denial with no explanation whatsoever. This leaves me, and potentially other consumers, without any understanding or guidance on how to improve our credit standing with them in the future.

In response, I requested Koalafi to : Provide me with specific reasons for the denial of my credit application, as per the FCRA.

Confirm that they've implemented necessary processes to comply with the FCRA and to prevent such issues in the future.

Remember, failure to adhere to FCRA regulations can result in serious penalties for companies, including statutory damages, punitive damages, and attorney 's fees, as per 15 U.S.C. 1681n and o.

I am sharing my experience to alert potential customers of Koalafi 's violation. I hope that my review can help others make an informed decision. I am currently awaiting their response and resolution of this matter within 15 days from my initial complaint.

If I don't receive a satisfactory resolution, I am prepared to pursue further legal remedies. In the meantime, I would advise anyone considering applying for credit with Koalafi to be wary of their non-compliance with the FCRA, a critical consumer protection law.

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

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681 accounts 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 has violated my rights 15 USC1681section602A states I have the right to privacy 15 USC 1681section604A section2 It also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1681c ( a ) ( b ) 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 15USC 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: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE REPORTING INACCURATE PERSONAL INFORMATION.
Product: Credit card

I request to get my credit in favor in my credit card in a form of check for the amount of XXXX $ sent to my address back in XX/XX/year> but I never got it and I tried to called several times to resolve this issue and they bank didnt gave me certain information of the status or the tracking of my check, they also saying that they arent allowed to issue a new one, and they also cant confirm me of the check was deposited by a third person or if was missing, they leaving me in lost for the amount of money previously said
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX  I spoke to a customer service rep named XXXX at Chase Business Card Inc regarding an issue on my business card with them that had an approximate balance of $ XXXX due to the real estate market being slow and generating income/commissions to pay the bill. I have always maintained a current balance, but I then went 60 days past due but was told don't go to 90 days past due. I asked for alternatives to help me. She told me to call back of XX/XX/XXXX and speak to a supervisor which I did and his name was XXXX and he told me about the resetting program but I would need to make a payments of {$1800.00} for XXXX, XXXX and XXXX and then I would be caught up and XXXX I would start from the beginning again and be current, as I was unable to come up with that type of money immediately. I said lets give it shot and do it and I will make my first payment on XX/XX/XXXX and continue to move forward with the program. All of a sudden on XX/XX/XXXX I get an email about my credit and then on XX/XX/XXXX they moved by business card to my personal credit and knocked my score down XXXX points. I called up again trying to get the supervisor XXXX to check the phone conversation about the program I agreed upon and he didnt return a call until 2 days later saying that I didn't go on the resetting program. I could not get him on the phone and spoke to various other agents saying that this was their interpretation of call at that time, how did i come up with those amounts to set up the program, I had nothing to lose. Chase would not do anything for me not even their credit monitoring system to remove this business card from my personal side but now it has destroyed my credit stopping me from refinancing my house or get a car. I have all my accounts and cards with them for over 25 years. I then had to recall again go on the same resetting program where I have been current now for the last 4 months but now my credit is ruined. This was not my error but the error and incompetence of the reps from Chase not knowing their own business but their negligence on handling this matter. If it was done correctly from the on start this would have not been an issue and credit service department will not remove my business card off my personal credit, if they did my credit would now be XXXX not XXXX
Product: Mortgage

Problem : XX/XX/XXXX Wells Fargo took a full mortgage payment from my payment schedule to pay for {$40.00} short on my mortgage payment. WF kept that going until I was notified by mail my yearly escrow payment schedule and the payment to WF was adjusted on my end to pay WF the full payment. Once my Ch13 was discharged XX/XX/XXXX I was contacted by WF with a letter informing me I had funds that could not be released until I brought the account to full. WF began a full assult of phone calls asking for the balance be paid in full. WF stated on a phone call they would send me all the info of when this short fall happened and for how long ... papers never arrived. The other form of documentation she said she would send is a Cease and Desist for me to file against WF ... never arrived. I have since stopped taking calls from WF. Last month I went on line to find the start of the shortfall and did find the date and was going to download all the documentation however I was called to work and sad to say forgotten. Last week I attempted to log into my account and was unable to I attempted several times and still I was unable to log into it. I contacted WF directly and was told they have blocked my account due to this issue of non-payment. WF does not have the right to block me from my own documents.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Product: Mortgage

I sent this to the company this morning and am sending it here to ensure they fix it and do not do a half assed audit like previously. I spoke with a supervisor, XXXX, yesterday, and realized where everything was going, even though that's not where any of it was supposed to. This could've been fixed easily, but Select Portfolio Services never even thought because, well, it was extra money to them. They even admitted their system was not set up for this, but they didn't realize it was sending everything to interest, even though it was not supposed to go there. 

This is what I wrote and want the cfpb involved : I found out why my escrow is not correct and why it keeps getting more negative, in spite of both extra payments and paying the XXXX  fee. Someone mentioned to the CFPB that the system was not set up to accept extra payments or multiple payments. The escrow has been going up each year by exactly what my taxes are because it can only handle the XXXX  or taxes, not both. It has treated the extra as if it is a payment to interest, as I found out from XXXX ( a customer care supervisor, who was not helpful in any way, yesterday ). When you raised my payment to cover the extra needed to cure the escrow, it took that extra and put it towards interest, as well. As such, instead of correcting itself, interest was paid down when it should not have been. I, therefore, have overpaid {$XXXX} that you put towards interest and it was meant for escrow curing. Because you made me jump through hoops to speak on the account for XXXX  years, we have been unable to fix this ; however, my remedy is this, as you put it in the wrong place : send me the amount extra that was paid, reverse the payments and then fix them to the right place ( this will fix the escrow shortage, as well ), put the interest back on, pay me interest on the money I wouldve received based upon the mix up, stop paying my XXXX  ( I will cover this ), take off the late fees Ive incurred because of the messed up payments, and fix my overall balance ( which should be closer to XXXX ). That no one there would talk to me is crazy in and if itself. I am also sending this to the CFPB in the form of a complaint, in order for you to fix it. I will give you exactly XXXX business days to fix this before I get an attorney involved. I can not believe an audit or anything else didnt realize this is what was going on, especially after I asked numerous times. Apparently, Bank XXXX XXXX did this, as well, instead of curing the advances, and put extra payments ( XXXX mentioned XXXX, even though my taxes were XXXX and my p and I payment was XXXX, meaning they collected extra interest instead of curing the advances every month, which means {$XXXX} every year for 5 years, or another {$XXXX} should be added to interest and {$XXXX} should be taken off the advance, considering thats where it was supposed to go as per the way the payment was set up ) and, since the loan was transferred ( not bought ), you assume that responsibility, as well, meaning the balance should actually be closer to XXXX.
Product: Credit reporting or other personal consumer reports

. 
YOUR COMPLAINT as per15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give them written permission to add this info to my credit report-or any permission they are -- XXXX  XXXX -- XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a delinquent account with XXXX XXXX on my XXXX and Equifax credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/year> and Also I have the satisfaction of judgement letter that XXXX XXXX XXXX XXXX filed with my local magistrate back in XXXX.