23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I contracted with a third party to pay for dental service. The company is called Sunbit. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC accepted the payment. The procedure did not take place I requested a refund from XXXX XXXX  XXXX. They have yet to refund the money to me I have called several times over the past 2 months no resolve. I have also reached out to Sunbit they stated that XXXX XXXX XXXXXXXX XXXX has not requested a refund. I put down a {$450.00} payment and a XXXX has been debited from my account. The agreement number that is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.
Product: Credit card or prepaid card

I was contacted by XXXX XX/XX/XXXX to look at my chimney for cleaning. When the representative came out on XX/XX/18 it was discussed what was needed and I signed a contract and gave payment in full prior to any work because they have been scammed in the past by customers not paying. The representative was suppose to come out 2 days later to do the job but did not show, I called the company and they reassured me someone would come out the next day. Again, no call no show. After multiple chances of the contractor not coming out, I called my credit card company Citi to dispute the charge and initially the removed the charge from my bill while they investigated. During the investigation they asked for documentation and even an estimate from another company which I had to pay for to show the work was not completed by the first contacted company, XXXX XXXX XXXX XXXX. XX/XX/XXXX, receive an email from Citi that my case is resolved and to reach out to the merchant to resolve. I called Citis disputes department and the representative tells me there is nothing for me to do and the investigators are working to retrieve funds from the merchant and that I should wait for 5-7 business days for resolution. I call Citi back on the XXXX of XXXX for the status on my dispute and they state its for me to contact the merchant for reimbursement and that it. I was totally shocked, the card I have used for millions of purchases threw the it on me to resolve with a company I can not contact and Im stuck with a {$1800.00} and my chimney still not fixed. Never use XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX NY ( parent company ) because they are scammers. In addition, Citi Card is  terrible in customer service in resolving disputes, I have other cards and I have never been treated this way in resolving disputes. I will definitely cancel this card and would encourage to use any these businesses.
Product: Debt collection

The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company PROFESSIONAL DEBT MEDIATION to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XXXX XXXX, 2017, has not provided any response in over 30 days. An unverified debt that PDM has on file containing unconfirmed information associated with the consumer. The information PDM is reporting is therefore Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ].
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, I file disputes with TransUnion, XXXX, and XXXX regarding accounts showing balance 's after filing XXXX XXXX bankruptcy in the northern district of Illinois i have sent a total of 9 disputes to TransUnion along every time I would receive letters stating that all accounts were verified as accurate. On XX/XX/2023, I went to the bankruptcy clerk in person I was inform by the clerk that the court or pacer dose not report to XXXX, TransUnion or XXXX and XXXX also I was inform the clerk dose not verified any information to the credit reporting agencies. on XXXX XXXX I send a dispute to TransUnion requesting their method of verification and Transunion XXXX XXXX and XXXX XXXXetter dated XX/XX/XXXX, XXXX have sent a total of 9 disputes to TransUnion. please see all the Exhibits with this complaint. These companies do have respect for the Fair Credit Reporting Act 15 U.S.C. 1681 I ( A ). 15 U.S.C.1681 N, 15 U.S.C 1681 O continued willful and negligent noncompliance with FCPA . all 9 disputes are dated as follow XXXX XXXX, XXXX XXXX XX/XX/2023, XX/XX/2023. XXXX XXXX XX/XX/2023, TransUnion letters dated XXXX & XXXX XXXX. almost 7 months of disputes '
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
Product: Debt collection

I have attempted to remove this NEGATIVE DEGATAORY ITEM multiple times as a result of IDENTITY THEFT. CREDITOR continues to verify. Attached you file the information on my credit file, additionally, the police report from XXXX that has been submitted MULTIPLE TIMES, Additionally FTC report filed. The account has been removed from XXXX and XXXX, NOT XXXX. 

GreenSky , LLC On XX/XX/XXXX, the Bureau issued a consent order against GreenSky , LLC ( GreenSky ), a financial technology company that services and facilitates the origination of consumer loans. The Bureau found that GreenSky engaged in origination activity on thousands of loans to consumers who did not request or authorize them and that the company structured its loan origination and servicing program in a manner that enabled the origination of unauthorized loans. This conduct was unfair in violation of the Consumer Financial Protection Act of 2010. The Bureaus order requires GreenSky to refund the accounts or cancel the loans of customers harmed by the conduct up to {$9.00} XXXX, implement enhanced loan authorization and verification procedures to prevent unauthorized loans from being issued in the future, and pay a civil penalty of {$2.00} XXXX. 

RELATED DOCUMENTS Consent Order Stipulation PRESS RELEASE CFPB Takes Action Against XXXX XXXX GreenSky for Enabling Merchants to Secure Loans for Consumers Without Their Authorization CASE DOCKET View case filings ACTION DETAILS Forum Administrative Proceeding Docket number XXXX Initial filing date XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have been violated by XXXX according to the FCRA Section 1681 and Section 1691
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.
Product: Mortgage

I have been trying to have my name added to the loan they did it but it is still wrong. I 'd like to receive a copy of my original loan and servicing documents, I yet to receive them. I have been given the run around. At first they sent me documents to say that I am not on the loan and once I pointed out on the assumption document that was my signature, were I signed first. they changed it but they have me as second on the loan and I am the borrower and my parents we the co-signers or co-borrowers on the loan. I have also asked for a copy of my payments from 1998 that would be another way to prove my title on this loan and have yet to receive those also. According to Real Estate Settlement Procedures and Uniform Commercial code I am well in my rights to receive the documents I am requesting and they need to prove they have the right to collect monies on this loan. I have trying to have this resolved since they took over the alleged servicing of this loan and we are still in the same place with the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/2020 Apparently my bank has made a change that will not allow me to link my account for transfers to XXXX XXXX by XXXX XXXX. If I am authorizing it by logging into MY account requesting a transfer of MY money, there should be no reason this can not be honored.
Product: Credit card

Capital One Credit Card Company bought another Credit Card Company. I have some XXXX accounts at this time with Capital One. These accounts are all in good standing. Somehow Capital One sent to the IRS a form XXXX ( forgiveness of debt ) and I was forced to pay thousands of dollars to the IRS and to my accountant to straighten this mess out. Nothing was done and I was forced to pay my accountant several thousand dollars in fees and pay the IRS several thousand dollars in income tax fines penalties etc. I made dozens of phone calls to Capital One. I send them faxes and and letters. They refused to acknowledge the problem. They ignored my problem completely. The only thing they did do was send me a letter and say they would notify all the Credit Reporting agencies that there was an error and I was a victim of Fraud. I called the IRS and they informed me that unless Capital One sent in a corrected copy of the XXXX they could do nothing.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/XXXX, Since then the PAYMENT HISTORY has been updated with XXXX each month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information manipulates the statue of limitations and in addition to that. Your update of payment history cost me more than a XXXX point decrease in my credit score in XX/XX/XXXX. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. And I would also demand my XXXX points back that you cost me due to your willful negligence. I have attached screenshots of your lack of investigation. 

XXXX XXXX XXXX
Product: Mortgage

I am attempting to have a letter of reaffirmation put into my current open bankruptcy case. My current mortgage is with XXXX XXXX. The problem is is I have been attempting to have this letter of reaffirmation sent to my lawyer since XXXX XXXX. I 'm hoping that filing this complaint will expediate the process so I may close the case because this is the only thing that I 'm waiting for to close the bankruptcy case. I have been told on many occasions that I will be contacted, I will be emailed and I will have my phone calls returned none of this has happened! It is of paramount urgency that I get this letter of reaffirmation put it in my file before the courts decide to close the case without it. If that happens, I will have to pay re-opening fee to have the letter put into my file.
Product: Debt collection

I never gave the apartment complex XXXX  XXXX my social security number. They went through fraudulent means to obtain my social security number and attach a debt that was attached to an EIN. My SSN was never given to them and I want them to removed said collections from my credit report. Then they sold my stolen identity XXXX to a third party collections agency once again stealing and now reselling my SSN and information to a third party agency. I want it all removed from my personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since 2019. However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.
Product: Debt collection

I keep getting debt collection emails for a person I do not know and they keep sending it to me despite me telling them I am not that person. There is no confusion to be had, I have a different name. They even sent me a legal document meant for someone else with sensitive information in it.
Product: Credit reporting or other personal consumer reports

**Subject : Follow-Up Dispute Regarding Equifax Investigation Failure to Conduct Reasonable Investigation** Dear Consumer Financial Protection Bureau, I am writing to formally dispute Equifaxs response to my complaint regarding inaccurate information reported by XXXX XXXX XXXXXXXX  on my credit file. Equifax 's statement that the creditor has " verified '' the balance without providing supporting documentation or conducting an independent and reasonable investigation is unacceptable and fails to meet the standards outlined under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) **. 
Under the FCRA, credit reporting agencies ( CRAs ) are required to conduct a **reasonable reinvestigation** of disputed information. Merely relying on the furnishers verification without properly assessing the accuracy and completeness of the data does not satisfy this legal requirement. Specifically : 1. **Failure to Provide Documentation : ** - Equifax is obligated to provide me with the factual evidence and documentation they relied upon in their investigation under **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) **. Their response lacks transparency and does not demonstrate how they verified the accuracy of the disputed information.

2. **Violation of Accuracy Obligations : ** - Under **15 U.S.C. 1681e ( b ), ** Equifax must ensure maximum possible accuracy of the information they report. Simply accepting the furnishers word without further validation contradicts this legal duty.

3. **Neglect of Metro 2 Compliance Standards : ** - Equifax must ensure that furnishers comply with industry reporting standards such as Metro 2, which require strict adherence to accurate and complete data reporting. Equifax 's response does not confirm whether these standards were followed, raising doubts about the legitimacy of the reported account. 
Given these concerns, I am requestiXXXXg : 1. **A full and proper reinvestigation** into the disputed account, with documented proof of validation from XXXX XXXX XXXXXXXX beyond a mere statement of verification. 
2. **Immediate deletion** of the inaccurate item if Equifax can not provide sufficient documentation proving its accuracy.

3. **CFPB intervention** to ensure Equifax complies with its obligations under federal law and conducts a fair, reasonable, and complete investigation. 
If Equifax continues to report inaccurate information without proper substantiation, I reserve the right to pursue further legal action for violations of the FCRA. I appreciate the CFPBs prompt attention to this matter and expect a thorough review ofmy concerns. 
XXXX XXXX social Security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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: Money transfer, virtual currency, or money service

I grew up in the banking world with both of my parents working for the bank for years. I feel as I know the ins and out of simple banking. I went in today to the washington federal bank in XXXX Wa. I had the worst experience of my life. Not only are they doing a remodel which the bank is working in tighter rooms making it so others can be closer by. 
I'm embarrassed for the way I was treated today. I went in for what I thought would be a simple deposit that turned out as the worst deposit ever. 
It's more about the lack of customer service then the bank. I had to deal with two tellers from XXXX who are the rudest people ever. 
XXXX and XXXX from the XXXX location have the worst customer service. 
XXXX who was helping me out was called to help another customer. My simple deposit wasnt going to take hours but she left me to attend to another customer. 
When XXXX came by she asked s rudely what I wanted when I asked her to not speak to me in that tone she simply rolled her eyes and left. 
What happened to the simple customer service with the " how may I help you today? '' " What can I do for you today? '' I could go on. " What do you want? " that's insane. I'm very grateful for surveillance cameras to see how both of them were. After being a customer since I was young I'm happy to switch. I will never refer anyone to this branch or bank. 
Hopefully they get some training soon!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Product: Credit card or prepaid card

RUN SCREAMING NEVER GET A CARD FROM THIS COMPANY!!!!! It's such a fraud they build your trust and just snatch their credit cards back without any email or explanation. Play games with your credit and then I got the run around. My bank made an error XX/XX/18 and Capital One tried 7 times 8 including the other card without contacting me once. I'VE NEVER EVER had overages or late charges. They had me get a letter from the bank mgr. I did that stating their error, sent me a secured link XX/XX/ llike 10 times that DID NOT work and the customer service person kept asking me about my email address. I tried from 3 different phones and my desktop. WHAT A NIGHTMARE finally they tell me to fax it they'll get it in XXXX hours because their faxes get answered by a company even though their located in Virginia. I call back XX/XX/ the lady said get it current which mind you it was before it was negligently cancelled. Pay {$100.00} on one {$50.00} on the other. All the while I'm being treated like a criminal and not the long standing customer I've been which is why my credit was increased twice. So I call back NO ONE seems to know what is going on and I get told something different I have to add all the while. NO FAULT of my own the money was in the account and then some. They made sure to keep telling me we'll review it, you " might '' get your accounts reopened. I must've heard that atleast 50 times. AN AWFUL WAY TO BE TREATED! Even the bank mgr was shocked. SCAM, SCAM ALL THE WAY they keep tacking on miney to a " Closed accout '' I guess its only closed to me. Interest all these extra fees that had I be allowed to pay there would be none of this..I CRIED MY EYES OUT NO SYMPATHY, NO ASSURANCE AND NO FEELING AS A VALUED CUSTOMER. I was treated like a common criminal I guess it's because my name is XXXX, but I DESPISE HOW THEY TREATED ME THESE ARE AWFUL PPL. DO NOT GET INVOLVED WITH CAPITAL ONE THEY'RE A BUNCH OF QUACKS WITH NO CIVILITY.
Product: Credit reporting or other personal consumer reports

For almost a year my Personal Credit Report has been unavailable from Equifax. I have called them multiple times and have received promises that they would fix it but they have not. I have been told by them that there is no hold or security freeze on my report yet it remains inaccessible to me or to anyone attempting to access my credit. I am in a position where I need to obtain a Debt Consolidation Loan but it is prevented by the Loan company not being able to access my credit report thru Equifax which is compounding the damage to my Credit. I did a search online and found literally hundreds, if not thousands, of others experiencing similar issues that all seem to be going unresolved. Equifax needs to be brought to account on this as they won't even answer the phone now.