23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX  4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX SSN XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This letter is a formal complaint that you have not maintained reasonable procedures in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please review the attached letter and details of the provider that I describe below Credit Acceptance Corp Contract XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through Transunion service, but could not figure out how to do it properly
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy being reported on my credit report is inaccurate unverified and unauthorized. I was impacted by the XXXX data breach as well. These items need to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX : XXXX XXXX Account # XXXX XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card

I had a contract with XXXX advertising for my XXXX career. I cancelled the contract and followed the contract to the letter. Supervisors and everyone at Citibank that I had spoken with agreed that I followed the contract. However, they stated since XXXX 2016 that they are still reviewing my case after XXXX only gave me a partial refund. They shorted me some XXXX+ dollars. I continue to ask the dispute supervisors at CITIBANK that since they agree that I followed the contract, why was my money being held captive. They stated something to the fact that they have to wait to hear from XXXX about refunding my money. This is unacceptable and I have been charged interest fees and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent over 3 letters to National Credit Systems, asking them to verify the debt they say I owe and advised them the original creditor has already removed their reporting of the debt off of my credit due to bill being fictitious and made up by a property manager who was upset that we made a complaint against her with the corporate office. After investigating our claims of this manager not repairing things in a timely manner and refusing to move our family in a new unit after a neighbors unit caught on fire and partially burn down ours, they fired her but it came after we had already moved out. The company keeps sending me a copy of my lease with the original creditor in which I have with a made up bill from that property manager with her name on the bill. There was no furniture left in the unit and nor were we evicted from the property, and all keys to the unit and mail box was turned in to management. This reporting on my credit is preventing me from obtaining a pre approval letter for a home loan and damaging my credit worthiness. The fire happened on XXXX XXXX, 2013 at night while we were away from the home. We were called to get as much out as possible and my family was placed in a hotel for a couple of days and not allowed back in for over a week. I moved out on XXXX XXXX, 2013 due to their property manager stating she did not have another unit to put my family in but she allowed our neighbors to move into another unit who stayed on the other side of the burned down unit. My youngest son has XXXX and the smell of the smoke was too intense and our townhome was no longer suitable for living in. I advised corporate after moving what happened and was told I would not owe them anything and they apologize for the actions of their employee. 

In the end there was no eviction and there was no bills left unpaid. I have attempted to call National Credit Systems and asked them for the President or CEO name and I get hung up on, I have been forwarded to supervisors voicemail with no return call. So Im to the point where I want to report this collection company and possibly need to report XXXX of the reporting agencies for ignoring my requests to have this information deleted off of my credit. 

Its my understanding that they can not report anything that have been properly verified according to law. National Credit Systems Inc, employees are rude and when you are an informed consumer they prefer not to talk to you. I was told just like " I do not know you I do not know who the CEO or President is of our company we have XXXX account. '' This is what XXXX . XXXX XXXX told me earlier today and he forward me to a XXXX XXXX voicemail after asking to speak with a supervisor. When I called back to see if I can speak to a supervisor on duty I was told no one was available. 

My account number with this company is XXXX.
Product: Checking or savings account

I am filing this complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer into both my Checking and Savings accounts. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Different people call and leave voicemail about debts they are trying to collect and mail also have this been XXXX of XXXX  up to currently I recently tried applying for housing and had to pull my credit report to see why I was approved months before Dec XXXX XXXX and got rejected because my score and inquirys been done had to find out my identity was stolen and used for so much stuff.
Product: Mortgage

I have had XXXX XXXX as my home owner insurance for 14 years. XX/XX/2020, I was looking to switch companies to XXXX. They were not supposed to take any action until I completed the walk-through. My policy with XXXX XXXX was until XX/XX/2020. I decided not to follow through with XXXX and cancelled on XX/XX/2020. XXXX sent a bill to Fay Servicing in the amount of {$2400.00} without my permission. Fay Servicing applied XXXX as my hazard insurance company without verifying with me. Fay Servicing sent payment to XXXX on XX/XX/2020. XXXX sent me the refund check and I deposited. On XX/XX/2020, I received notice from XXXX XXXX that my homeowner 's insurance policy was not paid. On that same day, I contacted Fay Servicing to inform them they were not supposed to pay XXXX and now my policy with XXXX XXXX is overdue. The Customer Service Rep instructed me to send the declaration page from XXXX XXXX and Fay Servicing will submit payment with XXXX XXXX. On XX/XX/2020, I sent the requested information to XXXX. I called Fay Servicing on XX/XX/2020 because I noticed the change had not taken effect. I called Fay Servicing again on XX/XX/2020 and explained the situation. This time XXXX ' asked me to send her the same documents and she would send them directly to Escrow. I also made a payment of {$2400.00} applied to my escrow account. I called Fay Servicing on XX/XX/2020 because the change still had not taken effect. The representative assured me the process would be completed by Friday, XX/XX/2020. I have checked my account daily and the change has not taken effect, nor has XXXX XXXX been sent the money for my homeowner 's insurance. I called again to Fay Servicing on XX/XX/2020, to inquire about my insurance payment. Once again, the representative, said they would check into it for me. I have never received any call back or correspondence from Fay Servicing about this matter. When I log into my account, it still has XXXX listed as my homeowner. I have received another overdue notice from XXXX XXXX on XX/XX/2020. I am still being charged for homeowner 's insurance as part of my mortgage payment. The only number to call is XXXX. I can not get access to speak with anyone from management to get the issue resolved. When I click on the Message Center > Contact Us link on the website ( fayservicing.com ), I receive the following message : System Error We're sorry, but an unexpected system error has occurred. We are unable to process your request. 
On XX/XX/2020, the {$2400.00} escrow money was applied back to Fay Servicing.
Product: Credit reporting or other personal consumer reports

I have requested XXXX account from XXXX by XXXX XXXX be removed from my Credit report due to inaccurate information and fraud on my account. I have submitted and FTC report as well as filed a complaint with the CFPB. XXXX XXXX has agreed to remove the account. XXXX XXXX has submitted a request on the XXXX of XXXX to Transunion to have the account removed. I have also received a letter from XXXX XXXX with their sincerest apologies stating that they have requested Transunion remove the accounts. I have called transunion to have the account removed and transunion refuses to remove the account saying that I can file a dispute. There is no need to dispute as the data furnished has already requested the account be removed. Since this account was reinserted back onto my report, I was denied several items including credit and a bank account. I demand that Transunion remove the account. I would also like some type of reimbursement from transunion for violating my FCRA rights. This has been a difficult journey and I believe that transunion uses stall tactics and their refusal to comply with the laws are blatant and unacceptable.
Product: Mortgage

If you look back I have complained about Well 's Fargo Home Mortgage. I am now once again lodging a complaint re : their ineptness. I pay my mortgage on time, & in fact I am ahead in my mortgage payments. NOW I receive a letter stating a review was done & my escrow account is short by $ XXXX!!!!!!!! This is NOT the first time this has occurred. I am TIRED of their incompetence! For a financial institution there are a # of faulty processes. I have choice to pay one time shortage payment OR pay shortage over the years period raising of course my monthly mortgage payments. Either option is a burden on me since as a senior I am on a fixed income ... .The working processes & daily functions of Well 's Fargo truly need to be reviewed .... how can a financial institution be so FAR off in how much is to be set aside in my escrow to pay my taxes etc.???? It is deplorable! PLEASE look into their procedures & WHY does this frequently occur. Again, this is NOT the first time according to Well 's Fargo my escrow account has been short. PLEASE investigate them, PLEASE!
Product: Debt collection

XXXX XXXXXXXX  was loan company I used to build up my credit but after making XXXX  months of payments twice a month deducted out my bank account by them they was charging XXXX percent interest so my balance never decreased I put stopped payment on them and disputed off my credit reports showing all my payments and I won the dispute taking them off my report so just sharing my story so others beware of net credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX PH : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Debt Validation Request for Account # [ Account Number ] Dear, XXXX XXXX XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$350.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor.

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, DP OF EDUC : XXXX, XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX balance {$2800.00}, XXXX XXXX  balance {$250.00}, XXXX XXXX XXXX balance {$1200.00}
Product: Checking or savings account

I made a purchase on XXXX for a hotel stay on XX/XX/XXXX for {$660.00} from my checking account with SoFi. When I arrived at the hotel it was in bad condition, so I reached out to the hotel chain who told me to reach out to XXXX to refund me the money. XXXX refused, so I submitted a dispute to the bank alongside the email showing I was owed the refund. SoFi has sided with the merchant. I reached out to SoFi and they just respond saying the matter is closed. I asked for what they used and they send me a blank document. Not sure how they deny the chargeback when I have proof showing Im owed the refund. 
You can see from both attachments the booking id being the same.
Product: Vehicle loan or lease

Good morning, my name is XXXX XXXX and my case number is # XXXX. I filed a complaint against XXXX XXXX located in XXXX, Virginia. I am currently XXXX and have a fixed income of {$980.00} a month so I cant afford an expensive car note and my sales manager was aware of that. On XX/XX/XXXX I was offered a price off {$22000.00} on a XXXX XXXX XXXX that was on their website. I was told in a text by XXXX the sale manager that this price will be honored. I signed a digital contract and submitted it to the finance manager. The moment I got home and checked my email I noticed that the contract was incorrect and my signature was different. The contract they sent back to me was for {$29000.00} with a 72 month payment of XXXX which added up to {$46000.00}. I called them the next day and they refused to have me come in and go over the contract so they dismissed me by hanging up the phone in my ear. I did my own XXXX and noticed that they helped back information from me by not showing me the full XXXX. The car was in two accidents but I was only told about one where the vehicle was not damaged. I discovered that the care was in a major accident and the frame off the car was damaged ( Structural damage ) I found tape holding up parts of the car. I took the car to a XXXX XXXX XXXX and was told that the car was unsafe to drive and the repairs will be a total of {$10000.00}. I am unable to drive the car and now I have to look for a new one. I tried to pull the original contract that was sent to me and it shows that it expired. I have no idea what to do because I cant afford to get another car and only had the car for XXXX weeks. I have been trying to contact the dealership since XX/XX/XXXX and no one will speak to me. This is upsettling because I drive XXXX XXXX in this car and it almost ran off the road and almost killed us, due to I was unable to control it. PLEASE HELP ME.