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

To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes, with stating that They belong to XXXX - XXXX. XXXX doesn't even perform a real investigation, ever, They just replicate their responses over and over. I have filed a Lawsuit in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my XXXX credit report. Please delete ALL of the Following : XXXX ) XXXX  {$3700.00} Charge off That Still reports Late Payments - See Attached Criminal Reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR {$14000.00}. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX not investigating my disputes properly
Product: Debt collection

When my youngest daughter was first born, there was an issue with the spelling of her name on her insurance card. So when I visited the pediatrician, at XXXX XXXX XXXX, I had to sign self-pay affidavits for all of her appointments until it got sorted out. After the issue was corrected, I brought her new card to the appointments and had them take a copy. I was assured they would bill all of her pass bills back to our insurance. Then about a year and a half later, I received a notice from a collection agency stating that I had a past due bill of {$300.00}. when I called to speak with the doctors office, they claim that it is for one of those early visits. This should have been billed to my insurance and I shouldve only been responsible for the co-pays and now I have a negative on my credit report for collections that were never owed to begin with.
Product: Checking or savings account

Dear CFPB XXXX, I'm reporting that I have been mistreated by XXXX Bank. I enrolled the XXXX Bank {$250.00} promotional program ( please see attached PDF ) by opening the new checking ( ending in XXXX ) and savings ( ending in XXXX ) accounts on XX/XX/2022. And I have met all of the requirements described in this program language/terms by early XXXX ( XX/XX/2022 ). However, today is XX/XX/XXXX, and the promised bonus ( {$250.00} ) has still not shown up on my XXXX account. I have been trying to contact their customer services by phone, however, no success. Therefore, I have to find a way to get the justice, and I'm glad that CFPB exists. I signed up today and it is the first time in my life that Im submitting a complaint. Please help solve it. Thank you in advance!
Product: Credit reporting or other personal consumer reports

Equifax, XXXX have both ruined my credit by unlawfully pulling my credit report. There is misinformation on my report and credit fraud which they failed to remove.
Product: Credit reporting or other personal consumer reports

The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Payday loan, title loan, or personal loan

I have solar panels on my house through Solar City and tried to cancel with them initially because the panels were not working. I have been trying to cancel for years and have never been able to get a direct answer. Since Solar City has been taken over by Tesla it has been the same situation. I have emailed and called on numerous times with no assistance. The panels have not been working since I received them and I've been getting charged monthly for a service I'm not receiving. As right the total amount showing on my credit report is {$51000.00}. I spoke with Tesla they even said that the panels aren't even turned on in their systems. My ultimate goal is to have the panels removed from my property and the balance cancelled as the company has not met the terms of our agreement.
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted police/identity theft reports to XXXX, transunion, XXXX, XXXX to show that accounts from the U.S. DEPARTMENT OF EDUCATION are not mine i have sent my id to them numerous times showing my correct address and name as it appears on my id is what i want on my report and explained to them my credit report was exposed in the data breach. I have also sent documentation showing them that capital one was paid in full by XXXX  insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 

Dates : dating back since XX/XX/year> its in their records i can pull up anytime the dates. Amounts : XXXX XXXX XXXX XXXX paid in full vehicle is in possession of XXXX insurance still showing i owe them in the amount of {$2000.00}. 

XXXX XXXX XXXX XXXX {$21000.00} the college they claim i attended XXXX XXXX XXXX Campus has no information on me ever attending the college this has been on my credit report for years not even being my bill.
Product: Money transfer, virtual currency, or money service

I called the customer service phone number for XXXX XXXX to request a refund for services, but unfortunately the number connected me to a scammer. The scammer tricked me into believing they had deposited excess money ( by transferring money from my savings to checking without my knowledge ) in my checking account which I then had to return to them by wire. They stated to return it to a person associated with XXXX as they could not give me the XXXX account information. 

I realized what had happened within XXXX hours and called M & T to discuss the issue. The fraud investigation I initiated provided little information and I was told to get subpoenas from the police ( in process ) for additional information ( such as the timing of the movement of the money ). No written fraud report was provided to me, but the sheriffs detective did report some details verbally ( see attached document ). 

I also provided M & T a letter ( on the advice of the detective ) documenting why I did not feel they performed their due diligence at the time of the wire transfer and the text of this letter is attached under documents. I have not yet had a reply to this letter, though my contact by phone is the M & T Employee XXXX at XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I have not lived in or been to the house since XXXX XXXX. The house has been vacant since then. foreclosure on the home still homeless and XXXX XXXX withdrew XXXX from my account. 


I am a XXXX XXXX XXXX XXXX XXXX  veteran living in hotels and in my car that they happily gave me a loan but I was not able to obtain housing. 

I have submitted numerous complaints and not XXXX complaint has been addressed. 

I am still being harassed by this bank, they have frozen my card alleging unauthorized transaction yet I have told them numerous times it is not. 
they still refuse my constitutional rights are constantly being violated by this bank. 
XXXX civil rights XXXX XXXX XXXX XXXX housing are just a few that they continue to violate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of this information from my credit report within XXXX business days, in accordance with section 605C of the Fair Credit Reporting Act. I would be grateful for a notification regarding the actions taken. Thank you for your swift attention to this issue.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated according to consumer law 15 US Code 1681i it is my right to request this. The inaccuracies are highly injurious to my credit score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a hard inquiry appeared on my credit report and my husbands by CAPITAL ONE BANK USA NA, address XXXX XXXX XXXX XXXX XXXX VA XXXX, will refer to as Cap One. 

I contacted the creditor, Cap One, immediately on XX/XX/2024. Capital One representative stated no records or accounts appear under my name. 

XX/XX/2024, I reviewed XXXX and XXXX and the CAP ONE hard inquiry is reflecting on XXXX. 

XX/XX/2024, I contacted XXXX who advised I take it up with the creditor. XXXX rep suggested I wait XXXX year for inquiry to fall off. Then advised to complete an FTC report and mail it to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I contacted Cap One XXXX ( XXXX ) XXXX to be transferred multiple times & be advised no accounts are under my SSN. I advised each rep an account does not need to exist for an inquiry to occur. I was provided with ph # ( XXXX ) XXXX as a solution to locate a record of the inquiry. 

Still have not resolved how to get a hard inquiry off my credit.
Product: Credit card or prepaid card

hi I 'm on payment program with American express from XX/2016 they setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there is information which is inaccurate. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

Inquires on my report HAVE BEEN UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Dear Madame/Sir : I am writing to you in regards to a recent student loan refinance application I submitted to Earnest Operations, LLC, XXXX XXXX XXXX, XXXX XXXX, CA. XXXX NMLS # XXXX, operating at the following internet address : www.XXXX.com. 

I submitted an application on their website on XXXX XXXX, 2015, and uploaded all required information and additional documents to refinance the current balance of my student loans ( $ XXXX ) and lower my current interest rate from 7 % to what XXXX is currently offering ( 1.90 % ) for a variable rate. 

I received an email from " XXXX '' who advised me to explain why I had taken out a $ XXXX loan with XXXX XXXX in XXXX 2015. I responded that I was considering investing in rental property, but had recently changed my mind and decided to focus on paying off my student loan before investing. XXXX XXXX, 2015, I provided proof by uploading a copy of the statement showing that this loan was paid in full. 

On XXXX XXXX, 2015, I woke up to an email stating that I my loan request was denied, and the reason was due to " high debt to income ratio, '' which is inaccurate. I believe I am more than qualified. 

Other than my mortgage payment of {$1500.00} per month and the student loan, I do not have any debt. I pay off all credit cards in full each month. I make $ XXXX annually and have been employed with the City of XXXX XXXX for XXXX years. I am a career employee with stable income, I have an excellent credit history with high credit scores, averaging in the XXXX 's, and I have substantial savings and investments. 

Earnest ' reason for the denial of my application is unsubstantiated. The matter I would like for you to investigate is that during the application process I was required to upload a copy of my California Driver 's License. I am a XXXX male, and all things being equal, I do not believe my " white '' counterpart would have been denied. This was the first time I had to show identification for credit over the internet. Therefore, I humbly request you to investigate this matter and determine if Earnest Operations, LLC, is violating the Federal Equal Opportunity Act. 

On XXXX XXXX, 2015, I called and spoke to " XXXX '' a customer service representative. He advised me ( without retrieving my application information ) that there is no reconsideration. The decision made is final unless something has changed, and that there is no one else I could speak with. He was very casual and unprofessional. He advised that they do not have the " bandwith '' to allow me to discuss their conclusions that I have " high debt to income ''. The telephone call had a very weird feeling to it. His attitude was the decision is what it is and that 's final. He was very unprofessional and uncourteous. 



In conclusion, I have recently taken a closer look at their website and all of the photos are of XXXX people, mostly listed as attending XXXX XXXX type colleges. 

I believe that I have been the victim of XXXX. Please investigate this company.
Product: Debt collection

I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.
Product: Mortgage

Recently my mortgage was aquired from XXXX to Greentree and now Ditech. Ditech has sent me an Annual Escrow Account Disclosure Statement informing me of my mortgage payment of {$560.00} was changing to {$680.00} for projected 2016 property tax increase and hazard insurance increase. My hazard insurance has been changed to XXXX going down {$200.00} which Ditech has recognized. So, what they are saying is my property tax is estimated to go up {$1400.00} for 2016! I do n't think so. Also, I was under a mortgage motification program for the mortgage with CitiMortgage. I have talked with Ditech trying to understand why so much but the service representatives I have spoken to have been very short and condescending to me and I get frustrated and hang up.
Product: Checking or savings account

Explanation of the Problem Dear Sir/Madam After reporting this information to the Minnesota Attorney General, they wrote to me and strongly encouraged me to report it to Consumer Finance as well. 
I am writing to bring to your attention and request help to protect me from US Banks elder financial abuse. I am taking the time and effort to report my experience for me and other members of the elderly and potentially vulnerable populations who may not realize that they have a problem and, if they did, do not know how to defend themselves. As you know, elder financial abuse is a growing risk and problem. 
My complaint against US Bank involves the following : 1. Unauthorized withdrawal of funds from my checking account 2. Unauthorized changes to my mailing address listed on my account 1. Unauthorized withdrawal of funds from my checking account Unauthorized withdrawal from the account may not only result in an unexpected overdraft, which it did in my case, please see attached email dated XX/XX/XXXX, but if one is not monitoring the account US Bank will also charge a {$40.00} overdraft fee, an excessive amount. The bank claims if you challenge an inappropriate transaction, they will, upon review, reverse the charges. If you are an elderly customer, like me, who may be experiencing cognitive skill issues from time to time and is not monitoring the accuracy of every transaction the bank will have gained a handsome fee through elderly financial abuse. 
When I challenged the process they ignored my cancellation of the auto-payment on XX/XX/XXXX, which US Bank acknowledges is on record, to prevent the bank from automatically withdrawing the funds from my account due on XX/XX/XXXX there was a technical explanation about the system, and the software process. I did not understand. It sounded more like a feeble technology excuse to optimize profits at the expense of the vulnerable and elderly. 
This is another case of financial institutions acting in an irresponsible and self-serving manner. Let us remember XXXX XXXX and XXXX  XXXX XXXX among others to be reminded that one can not trust these institutions to serve in the best interest of their clients, especially regarding vulnerable populations. 
I spoke with a supervisor, XXXX, at XXXX XXXX XXXX representative to report this unauthorized transaction and the confirmation # of the recorded call is : XXXX on XX/XX/2024 

2. Unauthorized changes to my mailing address listed on my account I am attaching five separate emails from US Bank changing my address without consulting me first. In every instance, I called the bank and requested not to change my address without my authorization. It impacts my online payments that get declined because the address I entered, which is my primary address, does not match the address US Bank changed to without my permission. This problem has been ongoing, and US Bank is oblivious to my requests and to the adverse financial consequences to me. 

As soon as my Social Security benefits have been rerouted to another bank, I will close the US Bank account, permanently and inform family and friends of my experience.