23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have submitted several disputes to XXXX, XXXX and XXXX on these Student Loan accounts that is reporting on my credit report. These account have not been verified and a proper verification or investigation was not done by this company nor the bureaus which are advising the account is verified. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also ED Financial is violating 15 U.S. Code 1681 e ( b ) collections must be 100 % accurate across all 3 Bureaus and it is NOT, so Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. Both are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. I also file an FTC report and sent in as proof I was a victim of XXXX Data Breach meaning these accounts are fraudulent. Also late payments are not to be reported on a consumer file per 15 USC 1681 ( a ) ( 2 ). According to 15 USC 1666b timing of payment states that company has to send the consumer proper documentation 21 days before the due date with an attached form section 1637 ( b ) and I never received. I need proof sent to me via mail being that ED Financial Services are saying this information is valid to the bureaus, these account are open/late accounts and not accurate across all bureaus. ED Financial is violating 15 U.S. Code 1681a ( 2 ) ( i ) exclusions on transactions reported on consumer report, and 15 U.S. Code 1692e False or misleading representations. Per these Bureaus ED Financial was supplied with all of the relevant documentation of my information being involved with XXXX XXXX Breach and verification information from ED Financial was not sent to show accounts belong to me so accounts should have been deleted from my consumer report.
Product: Mortgage

Purchased Home XXXX XXXX Month Later Rushmore Purchased loan. 
Began payments XX/XX/XXXX with compounded taxes and insurance as usual. 
10 months later after paying for insurance tried to make a claim for a burglary. 
Contacted Rushmore XX/XX/XXXX to confirm Insurance policy # they had on file. 
After confirming contacted XXXX and found out that Rushmore had the wrong policy number on file and that the correct policy number was canceled in XX/XX/XXXX. This is Negligence. 
I got an email from an XXXX agent confirming I had insurance in XX/XX/XXXX covering XXXX. 
Contacted XXXX  to correct the issue and was ignored for weeks. Have emails and left phone messages and got no response or resolution. 
Then XXXX XXXX hit and she still did nothing to help before. Heard from her after. 
Now I have 2 claims that I don't have insurance coverage for that I thought I did. This is Fraud. 
XXXX told me I had to get forced insurance through Mortgage and 2.5 times as much to cover. 
Was misled in emails that this insurance would cover both claims. Added to the agreement that I was not at error or responsible and only agreed to the waiver if I received the same coverage and cost I agreed to and was fraudulently paying for. 
After 3 weeks I got a call saying the insurance doesn't cover the Burglary. Complete deception. 
Now they are acting like this was my fault and ignoring me. 
I am not responsible for this problem but am being punished for it. 
I demand that I get the insurance coverage that was contracted for. 
This is negligence and fraud on behalf of both the XXXX broker and the Mortgage company.
Product: Payday loan, title loan, or personal loan

I signed up for a {$500.00} payday loan which I just finished paying off. I didn't realize that the interest rate was over 700 % I made 20 payments of {$160.00} which paid back the loan but then I realized that I paid {$2700.00} in interest. 

I would like everyone to know about this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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  Account Number XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/2017 I walked into Conns and gave them a payoff check for our merchandise. The check exceeded the amount due because Conns did not report the accurate amounts to my lender for mortguage refi. They owe me around 4600 and  advised me they would send this to the corporate office and in 10 business days they would send me the refund. I called 2 days later to the corporate office and it was confirmed that the money would be received in 10 business days. This last Monday I reached out verbally as was advised it was going to take 30 days and they had no clue where my money was or what the process entailed and then I sent a complaint through their automated system where it took 5 days for them to get back to me and I was advised that their accounts payable team has n't heard anything. No one can seem to locate the money or overpayment and yet they have cashed the check and it has cleared. It is unfair that not only are they sitting on the refund gaining interest but refusing to communicate internally and advise me of where they are in the process. I believe I should be given the correct time frame to process as well as where they are in the process.
Product: Student loan

I fully paid off a loan with XXXX  XXXX XXXX ( XXXX ) on XX/XX/2018. However, I had forgotten to cancel an automatic monthly payment to XXXX from my bank, which made an additional payment of {$82.00} on XX/XX/2018. Starting later inXX/XX/XXXX have made several attempts with XXXX ( 6 times so far via their messaging systems, the latest of which was sent earlier today, as well as XXXX times on the phone ). Despite my repeated calls and messages, XXXX seems to have no coordinated effort in attempting to resolve this issue. Several agents have promised call backs - none of whom have followed through. Furthermore, each time I reach out by phone I have to explain the situation, even though they claim that my account has been " notated '' on several occasions. 

UAS first estimated a 45-60 day from the posting date of the original payment for the refund to be processed. When I called against in XX/XX/XXXX, XXXX claimed that a check had been mailed out to me. I informed them that I did not receive it, requested that the check be voided, and, if possible, for them to directly deposit the refund into my bank account, as they should have the necessary information to do so. It has been 120+ days ; XXXX has taken no action to re-issue the check and failed thus far to provide any satisfactory answer as to why this process has become TWICE as long as their maximum estimated time needed to process a refund.
Product: Credit card or prepaid card

ACIMA credit is a scammer. They will approved you and whatever credit available you have left they will make you pay it even you dont use it. They charge XXXX dollars fee if you pay EARLY. They stop taking money out you account when you about to end your contract you will pay 4 times extra. They manipulate their app and payments, and amounts does not reflect correct. This is program of financing is Predatory in every bit of the word. Its said to help those who are unable to finance by going through them for your purchases. They completely rope you in and make you pay the full lease even if you didnt use it all. When you call to speak representative, they will tell you that in other to help you will have to pay first. THEY add quarantine to your lease with out your permission if you tried to use the quarantine, they will not let you use it. They have their employees writing positive reviews, so they continue they ARE SCAMMING SCCAMMING SCAMMING SCAMMINGS SCAMMING
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a collection amount of {$2000.00} onto my credit report XX/XX/2022 via collection agency XXXX XXXX XXXXXXXX XXXX 

This is incorrect. XXXX XXXX XXXX  XXXX paid and approved rent assistance of {$4300.00}. 

I should not be charged any amount. I emailed the XXXX XXXXXXXX at the time of payment and she knew I was approved for rental assistance. 

This is fraud. 

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 XXXXXXXX
Product: Credit card

We had a capital one card for around 10 years with cash back for purchases. We had amassed {$740.00} in rewards to be used towards a family vacation. When I went to redeem my cash, I found out that Capital One had closed our account due to inactivity and that the rewards were no longer available. They claim they sent a notice of inactivity and that we needed to redeem rewards or use the card. We never received any such notification ( and we ALWAYS open mail from financial institutions with whom we do business ). I've been through Capital One customer service and they claim that they can't address my issue or even escalate it due to some arbitrary change in the system. To close someone's account without proper notice and take their money seems quite fraudulent to me. Thanks.
Product: Debt collection

On XX/XX/XXXX we received a letter to our hour stating that if we did not pay our bill by a certain date we would have our debt collected. we Made a a payment to XXXX XXXX XXXX on XX/XX/XXXX the following day. We have proof that we made a payment for that day as well. a couple days ago we received a letter from Kinum Inc. saying that we didn't pay our debt when in fact we did.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 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
Product: Debt collection

Indebted has communicated with me via emailed me multiple times with out my prior consent and at a inconvenient time violating 15 USC 1692c. Indebted infringed upon my rights to privacy. You are now on Notice check attachment
Product: Mortgage

I usually pay extra on my mortgage. Every servicer I have ever had always just applied this to the principal. My servicer was recently changed to GreenTree. I noticed a statement on my bill that " partial payments '' are not applied, but held ( presumably without interest ). My additional principal was treated as a partial payment. More importantly, if I ran into hard times and paid less ( but still covered interest and some principal ), *NONE* of that amount would have been credited to my account. This practice should not be permitted. Payments should never be placed in limbo not earning interest while you 're paying them interest.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} Capital One Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX ( Finance ) XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. XXXX has sent me a statement validating the account was never past due. XXXX is showing this account was 30 days late as of XXXX of 2021. The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.
Product: Debt collection

caller calls me at work from XXXX XXXX and gives a XXXX XXXX number to call regarding being served by uniformed officers regarding a legal case. no other information is given other than a case # and the name of coastline associates. when i look up the number they give to call i am finding scam alerts for credit card debt collection. I dont have any credit cards and i have never received any information by mail regarding debt collections
Product: Credit reporting or other personal consumer reports

I added my son, XXXX XXXX, as an authorized user to my Wells Fargo XXXX credit card. WF has failed to make promised monthly credit updates for XXXX to the credit bureaus. As requested, I explained the problem to WF credit reporting team by fax on XX/XX/2024, asking for a prompt response and update which has not happened. 

I spent an hour on the phone today with WF customer service agents XXXX and XXXX who said there was nothing they could do and transferred me to a number which was not working. 

WF has learned nothing from all the fines the government has imposed. They still have miserable, unresponsive customer service.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 


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Product: Credit reporting or other personal consumer reports

My 2016 XXXX XXXX was stolen from my job. After numerous times of disputed the errors to my credit bureau they refuse to remove it from my credit report. I call multiple times to XXXX XXXX  and ask them to locate the vehicle but they refuse to help me find the vehicle. Finally I default on my loan because I refuse to keep paying for a car that I do not have. When XXXX finally repo the car they offer to settle my loan but by that time I did not want the car as I was vandalized beyond repair. Thank you
Product: Credit card or prepaid card

Ive been using my XXXX Citi Platinum card since 2001, its what Ive used for all my travel to and from work around the world and its also been my medium of exchange for all my domestic home needs. The very reason I got this card and used it exclusively for over 20 years now was to earn rewards points for my purchases, other people I worked with said the rewards were the best there is and I could never have imagined a stable company like XXXX XXXX XXXX would throw me out with the garbage, but thats exactly whats happening now. 
After all these years, XXXX XXXX XXXX, Chief Executive Officer Citi, informed me with an email that my XXXX XXXX XXXX card was never eligible for rewards/ Points of any kind. Here is a web page showing that this is completely false https : XXXX. 
On this web page both XXXX and XXXXXXXX XXXX are honoring themselves for their long history of rewarding us for everyday purchases and further fostering long-term loyalty. Including 2X ThankYou Points per {$1.00} spent on eligible retail and travel purchases and 2X ThankYou Points on products and services purchased directly from AT & T. In addition, card members can continue to redeem their ThankYou Points for almost anythinggift cards, travel rewards, electronics and much more. 
I now realize that as a card user I have little to no proof because these giants sit atop all the small print and leave me with nothing more than their broken promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.