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

I signed up for a credit builder loan from Kickoff. I was told that they would give me a {$2500.00} credit line and I would use less than XXXX XXXX of it to build my credit. At the end of it, I would get my money back. 

But at the end of it, the XXXX program after Kickoff took {$20.00} from my bank account every month for 12 months, I was told that I would not get my {$240.00} back because it was a subscription fee. 

I never agreed to that, and when I asked to speak with a supervisor, I got someone from a XXXX country telling me his name was XXXX, that he was a supervisor, and that I agreed to the terms. I asked that the terms that I agreed to be sent to me, nothing was sent but all the money was taken from my bank account Kickoff said that I would not get back. 

The entire team was rude and kept telling me that I agreed to pay them {$20.00} per month for a subscription fee for them to report to credit bureaus, yet my credit score is at XXXX and it never increased. 

Kickoff claimed that I was aware but I never bought anything from them and saw their service as simple as free service to build credit, never as a paid service, and never to pay them {$20.00} of my hard-earned money to give to them so they could steal it and do nothing for my credit. 
This company is a scam and a fraud, please help me to get my money back
Product: Debt collection

To whom it, may concern : On XX/XX/2017 I purchased an apple XXXX from a XXXX affiliate store in XXXX XXXX Ca. 
Truthfully, during the subsequent months, I did have trouble keeping up with my payments, however, XXXX was willing to extend me time on my service ... keeping my phone on, and I would get caught up. Then without any forewarning whatsoever, they would no longer work with me. 
At this point in time, I respectfully requested that they send my final bill as I would seek a new vendor/network. 
The VERY DAY after I received the final bill as requested, I also received a collection account letter from a company called Convergent. I called this firm, explained the situation, and they said ... '' take it up with XXXX '' Consequently, I have never had any further correspondence from the collection agency, and all my efforts to remove the damage to my credit report ( phone calls and letter ) have got me no where. 

This is a blatant and absolutely unfair, and bad business to do things in this manner. 

Thank you in advance for your consideration. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

Since XX/XX/2017, I have sent in my normal monthly mortgage payments on time with an additional {$5000.00} or {$10000.00} to reduce my outstanding principal. Seterus has used the additional money, specifically identified as additional principal, for the next month 's monthly payment. After complaining Seterus made the corrections. The next month I sent an additional {$5000.00} for reduce the outstanding principal in additional to the regular monthly payment Seterus than used the regularly monthly payment and the additional payment to reduce the outstanding principal. Seterus then reported that I was late in paying my monthly mortgage payment and charged me a late payment of about {$84.00}. Why does a mortgage company do this even after reporting and complaining about the poor service and incorrect payment accounting. Seterus even had the gall to report that I had to enroll in a special program in order that any additional funds sent to reduce the outstanding principal. I asked where on the contract was this stipulated and why is this not done in writing. 
Seterus even sent me a threatening letter that my credit report would be affected from my late payment. Seterus as a mortgage company is terrible, poorly managed, tries to take advantage of the customers, threatens you with credit reporting when not correct, and is not responsive to corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 13 hard inquires on my credit report with Equifax that are not linked to any open accounts I have. I have sent in a dispute letter that they received on XX/XX/2021 via certified mail as well as a phone call on XX/XX/XXXX at XXXX XXXX EST but they have not removed them. I have also requested the signed agreement for the negative accounts listed on my report but they have failed to provide that as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with NATIONAL CREDIT SYSTEMS that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Debt collection

Received a notice from Keystone Law LLC saying I owe some XXXX  bills. That can not be accurate as my insurance covered all my work and I was never notified by the XXXX Provider that I owe them money. They closed the business last year unfortunately. 

Need this harrassment to stop.
Product: Credit reporting or other personal consumer reports

Transunion continues to allow XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. They are reporting a past due amount which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, SC XXXX for reporting items to my credit report despite not being licensed to collect debts in the state of Ohio. As per the Ohio Revised Code, Section 1319.12, it is mandatory for any collection agency to be licensed to conduct collection activities within the state. After a thorough investigation, I have confirmed that XXXX XXXX XXXX does not hold a valid license in Ohio. 

This unlicensed collection activity and subsequent reporting to credit bureaus are illegal and violate both federal and state laws. Specifically, the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair practices in debt collection, and the Fair Credit Reporting Act ( FCRA ) requires that information reported to credit bureaus be accurate and verifiable. By reporting these items to my credit report, XXXX XXXX XXXX has breached these regulations, negatively affecting my creditworthiness. 

I have previously disputed this matter directly with the credit bureaus and XXXX XXXX XXXX, but the issue remains unresolved. Therefore, I am seeking the CFPB 's intervention to address this violation. 

Desired Resolution : I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their unlicensed debt collection activities in Ohio. Additionally, I request the removal of all related items reported by XXXX XXXX XXXX from my credit report to rectify the damage caused by their illegal actions.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX XXXX : CFPB Subject : Formal Dispute Follow-Up Regarding Inaccurate Credit Reporting To Who It May Concern : I am writing to express my extreme frustration and disappointment regarding the handling of my recent dispute over inaccurate information reported on my credit file. I initially submitted this dispute in XX/XX/year>, providing evidence to demonstrate inaccuracies, including late payment reporting discrepancies among the three major credit reporting agencies. Despite this, the information was not corrected or deleted, and your verification process has upheld clearly incorrect data.

This inaction is not only unjust but also in direct violation of federal consumer protection laws. Are you aware of your obligations under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA )? The FCRA mandates that consumer reporting agencies like yours ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation of disputed information within specific timelines ( 15 U.S.C. 1681i ). The law also requires that inaccurate, unverifiable, or incomplete information be modified or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The discrepancies on my credit report are not only evident but are now directly hindering my ability to purchase a home for my family. The conflicting reporting between agencies reflects negligence in ensuring accuracy and consistency, which your company is obligated to address under the FCRA.

If this issue is not resolved promptly and satisfactorily, I may pursue legal action. For reference, cases such as the Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. ( Case No. XXXX  ) outline how agencies can be held accountable for failing to meet FCRA requirements. As in that case, your failure to reinvestigate thoroughly, correct inaccurate information, and provide clear notice of the outcome violates my rights as a consumer.

I demand the following : 1. Immediate correction or deletion of the inaccurate information, particularly the late payment reporting discrepancies.

2. Written confirmation of these corrections and updates provided to all three credit bureaus.

3. Assurance that my credit file reflects maximum possible accuracy going forward.

Please consider this letter a formal request for compliance. If I do not receive a satisfactory response within 30 days, I will explore all legal remedies available to me, including filing complaints with the CFPB and potentially initiating legal action. 
I trust that you will take this matter seriously and fulfill your legal responsibilities. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year> I received a text message that stated I would be getting text messages from Capital One. I then checked my email and saw multiple emails from Capital One about updating my phone number, being approved for a Capital One Quick Silver card and that I had went paperless. 

I DID NOT open this account! 

I called Capital One and was told that a dispute was opened and to file a police report.
Product: Credit reporting

Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them
Product: Debt collection

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from Portfolio Recovery XX/XX/2024. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written Communication. In this debt validation I am asking for detailed list of my history of payments on this account, the original contract with my signature agreeing to pay this creditor, proof that you have a chain of title to collect on this debt, also asking to see if there had been Insurance claims filed on this account. With out Providing proof, these accounts should be removed from XXXX, XXXX, and XXXX ; immediately.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries that were all unauthorized. 

Bank of America XXXX : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX
Product: Credit reporting or other personal consumer reports

West Portfolio Management ( WPM ) has reported on Credit Bureau fraudulent negative credit. violating the California and Federal Fair Collection Act impacting and affecting my credit scores. I have received numerous calls and have informed them of my pursuit of suing the company, they represent as I made a six-month lease contract on a vehicle, and it turned out to be a six-year contract. Most of the contract was not signed by me but by the sales representative who fraudulently signed my name via electronic signature. 
The mentioned company has filed for bankruptcy and closed its business ; therefore, I have been gathering information and finding a way to contact the company WPM represents, in this debt. In a conversation with one of WPM, I asked the representative if I needed to include them in the lawsuit, I was pursuing for the original retail contractor ( XXXX XXXX XXXX ) and her response was yes. 
I have requested XXXX for a copy of the Installment sales contract however they state, they do not have such documents, all they can provide is a history of my payments which it was provided by e-mail. Upon analyzing the history of payments, the document does not provide the total amount of payment already made yet it reflects a total of XXXX paid terms, without cash value which was the total pay I was supposed to do for the six-month contract, furthermore, the history of payment submitted by WPM shows a current balance of XXXX moreover, in a letter they sent me for a special offer it states the balance of such debt is XXXX while on the credit bureau , they reported a XXXX debt. 

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

I like to add this to report XXXX Which shows that XXXX vacate all those transactions I was accused of
Product: Checking or savings account

My wife and I set up a joint XXXX  account with Citibank in XX/XX/2022. We used it for a bit, having problems with getting his XXXX  XXXX deposited. Just when we thought we had it figured out, and he began getting direct deposits there as well, we got a notice that the account was going to be closed ( mid XXXX ). 

Then XX/XX/XXXX we got an email saying that our information was incorrect and that our account was not being closed, and the XXXX we got an email stating that our statement was ready. However, we were unable to log into our account ever since they said it was closing. 

My wife called customer service to see what was going on, and it turns out that yes, they were closing it, and they said it would be XXXX days before we would get a check with the remaining funds in the account. We tried setting up several appointments for a phone call with a branch ( we live nowhere near XXXX ) and they never ever called at the scheduled time. Then, the end of XXXX, we got another notice that the account was being closed. 

So, we thought our account was going to be closed since XXXX, in XXXX we got conflicting information. We called and confirmed and they said, yes, you'll get a check in XXXX days. 

Well, then XXXX, XXXX, XXXX roll by. We call mid XXXX to see where the money is. They say they're so sorry and will send it in XXXX business days. Of course the Spanish help line can only do basic inquiries and the rest is done by Indians will such a bad connection that you can barely tell what's going on. We get transferred at least XXXX times per call, and are on the phone for almost an hour. They finally give us a case number and said that we can call and see what's going on. 

So, we wait. No check. Things get crazy busy, and we finally have a quiet minute to call again. We call after XXXX and no one can help me. I have my wife call, and they say the account doesn't exist. We get transferred a XXXX times again and she's on the phone for an hour trying to figure this out and telling a XXXX departments what's up. Finally, they assure her that the request has been approved and a check will arrive in XXXX business days. 

Today has been XXXX business days NOT counting XXXX XXXX 's observed. No check. We've been waiting now almost a YEAR to get our money back from his work and direct deposits, and when this first happened, having to get help with rent and other living expenses, since Citibank just froze the funds and decided to close the account.
Product: Checking or savings account

It is really sad that in times of Crisis due to the COVID19, Strangers help each other, Corporations provide assistance, but I work on a " FULL COVED19 UNIT '' @ a Hospital in FL, ON THE XX/XX/2020 my Card was Lost/stolen, someone took {$440.00} from my Checking, and REGIONS send me a letter saying they investigated and they are not giving me a cent of my loss Money. I put my Life at risk every time I go to Work because I need to pay my Bills, a Bank is suppose to Protect your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am currently not showing a score for my XXXX as well and I would like that corrected immediately.
Product: Checking or savings account

Subject : Second Complaint - Santander Bank : Openbank Account- Unauthorized Cancellation of Transfers and Unresponsive Customer Service I am writing to file a second complaint against Open bank at Santander , regarding the unauthorized cancellation of my transfer requests and the unresponsive customer service I have received. My previous complaint, reference number : XXXX, was filed on XX/XX/XXXX and has yet to be resolved. In fact, the situation has worsened and caused further financial harm. 

On XXXX and XX/XX/XXXX I made another transfer request for XXXX through the bank 's online platform, which showed the transfer as " in progress. '' However, the next day, the transfer was canceled without explanation or authorization from me. This has happened repeatedly, with four cancellations in total. After I filed a complaint with CFPB, I received one transfer completed on XX/XX/XXXX, but all successive transfer requests have been cancelled. 
When I contacted the bank 's customer service representative, I was told that they did not know why the cancellations occurred and could not provide any resolution. The representative then asked me to make a transfer while she was online, but the transfer was denied, with a message stating that I had exceeded the monthly transfer limit. I had only made one successful transfer, and the canceled transfers should not have counted towards the limit. 

I have repeatedly called customer service and in fact my last call on XX/XX/XXXX lasted 42 minutes with the customer rep promising me that the manager will contact me to resolve the issue. 

Despite my repeated requests to speak with a manager, I have not received any response or callback. This lack of communication and transparency is unacceptable, and I believe the bank has acted fraudulently and deceptively by holding onto my funds and denying my transfer requests without valid reasons. 

I urgently need these funds to make tax payments by XX/XX/XXXX and am facing severe financial consequences due to the bank 's actions. I kindly request that the CFPB investigate this matter further and ensure that Santander takes responsibility for their actions and provides a satisfactory resolution. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 at exactly XXXX, I received a phone call from a Ms XXXX XXXX the phone number XXXX. This individual did not verify my identity in any way. I never during this phone call confirmed my name. However, after requesting to receive any communications via mail, this person started to threaten me with garnishment of my wages. I have requested any communications regarding the reason for thw call be sent via mail to the address the company had on file. I have requested this several times and still continue to receive harassing calls. When I requested a mailing address to make this request in writing, the caller " Ms XXXX '' continued to threaten me and would not provide a mailing address.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) EXPERIAN XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Product: Student loan

I had a credit score and was alway paying my bill just great, until my idenity was stolen XX/XX/2016. I have closed 3 bank accounts -- as in closed -opened new one etc. My mail, my email, my ss cards, college transcripts, passport, passwords etc. all information stolen. My credit score dropped to XXXX. taxes are on hold now. I started a new job too during this. I am broke and working in XXXX XXXX XXXX. I have many charges which is not me. Thank you, XXXX XXXX Some person or people are being me and using my idenity while I struggle to start over.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent and hard inquiries off my credit file from XXXX, Trans Union and XXXX immediately. 

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

I filed for a deferment on the mortgage and was approved. The company continued to report late payments although the deferment was set with the company and I completed all necessary paperwork. I sold the home on XXXX and a wire was sent to payoff the full balance. The company reported a late payment for the month of XXXX because their accounting department did not payoff the loan. XXXX XXXX reported another late payment and did not close the loan. They found payment on XXXX. This has caused me to be denied for an apartment because the mortgage is in arrears. XXXX XXXX XXXX  Account number : XXXX