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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX 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 confidentiality under 15 USC 1681. 

Account name XXXX XXXX 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX DATE : XXXX SSN : XXXX Dear Transunion I am writing in regard to the dispute I filed earlier this Month about a couple of accounts on my credit report. despite my request, the accounts remain on my credit report : XXXX : date closed XX/XX/XXXX XXXX : date closed XX/XX/XXXX XXXX/ XXXX  : date closed XX/XX/XXXX XXXX  XXXX  : date closed XX/XX/XXXX XXXX  : date opened XX/XX/XXXX XXXX : date opened XX/XX/XXXX Under the fair credit reporting Act ( FCRA ), I am requesting the method you used to verify the accuracy of these accounts. specifically, I request : The name and contact information of the party or parties you consulted to verify this information. 

A detailed explanation of the procedures you used to investigate and verify the accuracy of the disputed accounts. 

I trust you will provide this information in a timely manner, as required by the FCRA. If you can not verify this information, I request that the accounts in question be removed from my credit report immediately. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I accidentally sent money to the wrong person on different occasions. The bank told me there was nothing they could do, since the money already left my account.
Product: Checking or savings account

On XX/XX/2020, there was an authorized transaction of withdrawal for {$200.00} at an ATM machine in XXXX. However a second and third attempt were made to withdraw the same amount of money and a communication error was received. Cash was not released for those two additional attempts. I have a receipt showing the communication error for these attempts. However, {$200.00} was debited from my checking account twice. The second time, no money was released and therefore I should not have been debited for the {$200.00} the second time. I have documentation from the bank in XXXX confirming this as well as the receipts from the ATM stating the communication error however TD Bank has not credited me for the 2nd attempt, in which no cash was released.
Product: Debt collection

I am disputing this debt because it is a billing error and I do not owe it. This debt is regarding XXXX XXXX  done at XXXX that was billed incorrectly to my insurance with the wrong diagnosis codes. I have explained this issue to the provider at XXXX XXXX, XXXX in person, via phone, via fax, via email and no one seems to care to abide by best practices and update this error. The billing was to be updated as XXXX XXXX for XXXX/XXXX for a XXXX XXXX XXXX  and the start of XXXX XXXX for the start of XXXX school. This is disheartening as I have always had full coverage medical insurance and also as a XXXX XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this debt has been disputed through all avenues and has yet to be rectified. Because this debt is disputed, Radius Solutions should not report it to the credit reporting agencies. But they have, again I am requesting the removal of this error and to update and contact the credit reporting agencies. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Student loan

Back in XXXX I was let go from and thus unemployed for the first time in my life and made sure to contact Navient to update that I could not pay my school loan. I was told by a Navient loan agent XXXX XXXX ( if thats even her true name ) that I could apply to the XXXX XXXX Loan forgiveness. I did exactly what I was told. I was then informed that I was approved and had to apply for Loan Forgiveness & Consolidation Application ( I have the paperwork for this ). I was informed that if I made a first payments of {$380.00} XX/XX/XXXX and make {$59.00} payments for XXXX months through that my loan would completely be forgiven. XXXX XXXX gave me her direct line and the number to get in contact with any concerns and questions. I was also informed that the payments would not show up in Navient until my last payment. My last payment was supposed to be XX/XX/XXXX. Since XX/XX/XXXX to XX/XX/XXXX, I have been making automatic payments from my bank of {$59.00}. I received monthly emails and text when I made payment and reminders from XXXX I can print and scan those documents if needed. Back in XXXX I received email form Navient that I was to be transferred to XXXX, I had made multiple calls to them and was never able to reach anyone. I wanted to ensure that my forgiveness loan was ok. I had reached out to XXXX XXXX whom I thought was from Navient through her direct line and was informed that my forgiveness loan was safe. To continue to make the payment until XX/XX/XXXX. I called this week on Tuesday and there was a weird voicemail and the other numbers from the emails that I had reached out and it sounded like a marketing voicemail. Which had me worried. I reached out to XXXX and Navient, XXXX and finally was able to speak to agent someone and was informed that is sounded that the payments made was a XXXX party and that they do not utilize XXXX parties and that I was most likely scammed. I was informed by Navient that there has been a significant amount of scams using their logo and even creating websites looking like their websites XXXX XXXX. I was advised to report this to Consumer Financial Protection Bureau and to reach out to Federal Student Aid and report this matter. I have communicated to my bank to stop any further automatic payment and hopefully get compensated. I am currently working on printing and scanning documents to be able to send to Federal Student Aid and to CFPB if you need more information ie., bank statements, emails, etc I can send to you.
Product: Credit card or prepaid card

My complaint is with trygrain.com ( grain technology XXXXXXXX XXXX ) it is a virtual credit card when u need funds grain sends them to ur bank acct and vice versa u pay the money back to grain the same way from ur bank acct. my last balance XXXXXXXX XXXX was XXXX XXXX I paid the XXXX XXXX payment but when my new balance was accrued they now say I owe XXXX XXXX XXXXnstead of the XXXX XXXX XXXXnterest making it XXXX XXXX I cant get a response from them requesting them through their app the way u conversate with grain for they have no phone customer services. Now we are getting close to being time for my next payment and I dunno what to do. They report to the credit bureau.
Product: Mortgage

My mother and spouse, lived in AZ when medical difficulties arose, and they set up a reverse mortgage from Champion Mortgage to help pay their bills. Within 2 years of the death of her spouse, XXXX was found to have XXXX XXXXXXXX, and her Power of Attorney paperwork enabled me to liquidate her assets, pay off the reverse mortgage and all outstanding debt. About that same time ( only 2 years ago ) Champion Mortgage was sold to Nationstar Mortgage, AKA MR.COOPER. 
XXXX 's current XXXX application for her ongoing care requires a copy of her loan disbursement transactions, which I am requesting via this complaint. 
I am uploading her POA paperwork AND HER SPOUSE 'S DEATH CERTIFICATE as proof of MY POWER OF ATTORNEY status for her affairs. Please send a copy of the full loan disbursement of my mother 's account from CHAMPION MORTGAGE to me so I can submit it on her behalf to XXXX.
Product: Credit card

XXXX XXXX  ( known as Elan Financial Services ) introduced XXXX feature more than 6 months ago. As a customer, I was aware of this and was keeping it in mind in case I needed it in the future. Elan Financial Services has been regularly sending emails emphasizing this new feature. Particularly, on XX/XX/XXXX and XX/XX/XXXX, they sent out such emails indicating, again, that XXXX was available for my account, with offers ending on XX/XX/year> and XX/XX/year>, respectively. For brevity, I'm not including emails from XXXX and XXXX XXXX  here. 

I made a transaction that was less than 20 % of my credit limit on XX/XX/year>. With this, I still had close to 80 % of my credit limit available. Based on the Elan Financial Services emails, this transaction was falling under the XXXX offer in terms of a ) when it was made, b ) what their promotional emails were claiming and c ) the " fine print ''. 

However, when I tried to enroll this charge to XXXX online, this was not possible because of " XXXX isn't available for this account right now. '' message. On the other hand, on the " Set Up ExtendPay '' website on my account, it was displayed - as it was supposed to be - " Available for XXXX : $ XXXX '' ( $ XXXX is the amount I wanted to enroll in ExtendPay ). Because I wasn't able to enroll the transaction in XXXX, Elan Financial Services has started to charge interest on that amount. 

That's misleading information that falls under the category of bait-and-switch. Upon trying to reach out to them, my emails went into the abyss - no response. Putting customers after the fact is disgraceful and illegal. It violates several other federal and state laws and regulations.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding CAPITAL ONE, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to CAPITAL ONE. 

Upon information and belief, CAPITAL ONE received notification of my credit bureau dispute. CAPITAL ONE did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the CAPITAL ONE Account. 

Upon information and belief, CAPITAL ONE failed to instruct the credit bureaus to remove the false information regarding the CAPITAL ONE Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the CAPITAL ONE Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did CAPITAL ONE and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by CAPITAL ONE rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the CAPITAL ONE Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed Hard Inquiries with Equifax that was A result of identity theft on XX/XX/XXXX and they have responded saying that the inquiries were verified as accurate. When according to the FCRA when an item is disputed as Fraud it must be removed from my credit report. I have also reached out to all of the creditors, and they all suggested to contact the credit bureaus for deletion due to them being the data furnisher. They have still failed to remove these fraudulent inquiries and have violated my privacy rights. The following Fraudulent Inquiries are Performance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The 30 day late payment reporting for quicken loans is incorrect. This is falsely reporting. Im getting ready to file a lawsuit on this because this is affecting my score, ability to get a lower interest rate for future XXXX XXXX I have requested documentation proving any late payments and never been provided this information. I just receive an updated credit report of no change. This is unfair practices on my report and if this isnt removed in 30 days and stay off my report Ill be filing a lawsuit and requesting funds for the stress and hardship this has caused.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments on Account Under 15 USC 1666b Dear, To whom this concerns, I am writing to formally dispute the late payments reported on my credit report related to the following account : Creditor Name : First Premier Bank Card My dispute is based on the following : 15 USC 1666b : This provision of the Truth in Lending Act requires that creditors must accurately report payment histories to credit reporting agencies. I have reviewed my records and found discrepancies related to the reported late payments on my account. These payments were either reported inaccurately or were not accurately reflected as per the account terms.

Information Required by Section 1637 ( b ) : Section 1637 ( b ) of the Truth in Lending Act mandates that creditors must provide accurate and clear statements regarding the payment terms and history of accounts. I am requesting that you verify the accuracy of these late payment entries, taking into account the account terms and conditions as stipulated. 
My credit report shows non-payment from XXXX to XXXX of XXXX, which is incorrect if a payment was made in XXXX, furthermore, discrepancies from XXXX to XXXX were not accounted for. Same example for XXXX- XXXX a payment was made but XXXX was never accounted for. Photos attached with bank transactions are included. 
It is imperative that these inaccuracies be corrected and removed from my credit report as they significantly impact my creditworthiness and financial well-being. Please conduct a thorough investigation into this matter and update my credit report to reflect the accurate payment history. 
I request written confirmation once these inaccuracies have been corrected and the information updated.
Product: Credit card or prepaid card

I applied for a card with Synchrony Bank to purchase furniture from XXXX to furnish my new home I just purchased on XX/XX/21. When i submitted the application I was provided a message to give them a call and to give them Reference Number : XXXX. I called and the rep stated to upload my ID on a website that was provided to me. The phone got disconnected. 

The website is horrible I took a picture of my IL Drivers license the front 3 times finally it accepted. Then I took a picture of the back once. I was instantly denied. I instantly called back and the rep was like let me talk to the manager, within 2 minutes he's like you're denied. In my mind is how am I denied when I just bought a car ( XXXX XXXX ) {$47000.00} a home {$230000.00}. 

Today I received an email and basically they denied me because they couldn't verify my identity. Today is XXXX XXXX and I wanted to get the sales on the furniture. What's more alarm regarding this shady creditor is they denied me and didn't run my credit, I have no inquiries on either one of my credit bureaus. On top of they don't provide you with a phone number on the letter only to mail them a rebuttal to the letter. 

I called back today and got a nice young lady, I explained what happened and she offer to get me some help. She transferred me to XXXX. I said since I was denied due to my identity can't be verified can I take my credentials inside a VCF and let them send it to you. He stated no and no need to apply again because since there's an application already in they're going to go off of this application. I told him that it didn't make since and I would file a complaint against them and then he asked me to place me on hold. He came back and stated that he gave me some misinformation that I can apply as many times as I'll like. Still shady. I'm making you aware of my experience with Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from BCA Financial. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. BCA FINANCIAL SERVICES, It Ian illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
Product: Checking or savings account

My XXXX statement did not notify me that I would be charged the account maintenance fee starting this month. Then I was charged an account maintenance fee on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquired with XXXX and Experian to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.