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

I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Equifax not following the laws I have provided a police report and the items are still listed on my credit report XXXX/XXXX  XXXX, XXXX XXXX , XXXX - CARD SERVICE
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed these fraudulent inquiries. Please remove these inquiries from my report, they are hurting my ability to obtain credit. 

XX/XX/XXXXXX/XX/year>
Product: Debt or credit management

Subject : Response to Complaint # XXXX Request for Documentation and Further Clarification Dear XXXX XXXX  , Thank you for your response dated XX/XX/XXXX, regarding Complaint # XXXX. 

Unfortunately, I must express that your response is unsatisfactory and fails to resolve the core issue in a transparent or consumer-compliant manner. While you state that the matter was previously addressed on XX/XX/XXXX, the fundamental concern remains unresolved : the duplicate payment of {$280.00} has not been returned to me, nor has it been properly accounted for. 

As previously explained, the duplicate debit occurred because I followed instructions to make a direct payment through the XXXX website after an XXXX debit failed. However, because the auto-draft enrollment was still active, both payments were processed in XXXX XXXXresulting in a duplicate charge. 

You now assert that this is not a XXXX XXXX error and suggest that I speak with my property management company or my financial institution. I have already done so. XXXX XXXX XXXX has confirmed that the refund was never received, and they have specifically stated that XXXX XXXX has not returned the duplicate payment. 

Therefore, I am formally requesting that XXXX XXXX provide clear documentation or transaction reports confirming that the duplicate payment in question was returned to XXXX XXXX XXXX or otherwise credited to my account. A general denial without verifiable documentation is unacceptable under federal consumer protection laws. 

Please note the following : Under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, financial institutions are required to investigate and resolve unauthorized or erroneous electronic transactions in a timely manner, typically within 45 days of receiving notice from the consumer. ( XXXX ) In the case of duplicate or unauthorized debits, the burden of proof lies with the financial institution to demonstrate that the transaction was authorized or that no error occurred. 
The Fair Credit Billing Act ( FCBA ) and related consumer protection standards mandate clear, written communication regarding disputed charges and expect full documentation of investigations and resolutions. 
XXXX XXXX refusal to provide such documentationand its continued attempt to redirect the matter without proof of refundconstitutes a failure to meet these legal obligations. 

In light of this, I respectfully request the following : A copy of the transaction report or any record showing that the duplicate payment of {$280.00} was returned or credited to XXXX XXXX XXXX ; A formal statement indicating the destination of the funds ; A reassessment of this matter with proper consumer protections in mind. 
If no such documentation can be provided, I will have no choice but to escalate this matter further with the Consumer Financial Protection Bureau ( CFPB ) and consider additional legal steps. 

Thank you for your prompt attention. I look forward to a timely and thorough response. 

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

Ive received my credit report in the mail after I requested it because I got denied a checking account from XXXX XXXX XXXXXXXX. My chase account was also closed and I believe it was hack for some because I see a transaction from XX/XX/23 that I never seen till now.
Product: Credit card

In XX/XX/year>, just recently AFTER I put my FIRST DIGITAL XXXX on AUTOPAY ( -for the XXXX time- ) I actually made a DIRECT-DEBIT CARD payment on XX/XX/year>. Apparently, soon after I made that DEBIT CARD payment, the FIRST DIGITAL " Computer System '' OR possibly some COMPANY XXXX  attempted to make a XXXX AUTOPAY payment of {$50.00}, which would be Erroneous & additionally, this Credit Card 's limit is ONLY {$300.00}. Therefore, in XX/XX/year>, I CALLED & SPOKE with the First Digital Card employees- EXPLAINING & DISPUTING the UNAUTHORIZED ATTEMPTED charge of the additional {$50.00}, & for a REMOVAL of the UNJUST {$30.00} RETURNED check fee. Furthermore, I did " request '' for PROOF & a FORMAL investigation & or Explanation of why the XXXX AUTO PAY was " initiated '' - AFTER I already made a PAYMENT. The last time I checked my Credit card account, it APPEARS that First Digital XXXX may have REMOVED the unlawful {$30.00} returned check & the UNAUTHORIZED {$50.00} attempted payment, YET my last {$5.00} payment made several days ago STILL has NOT been credited. Therefore, First Digital has apparently, possibly put this account on RESTRICTIONS & they recently sent me 2 letters stating that.
Product: Mortgage

The mortgage company claims that I was late making a payment in XXXX of 2023. It was not late. I sent the mail certified. The mail got to their location in plenty of time.
Product: Checking or savings account

On XXXX XXXX Capitol One didn't deposit into my account 2 days early like they say they would do Capitol One have agree to make deposits early into account they have a commercial on TV advertising that they do early 2 days deposits when i call to ask about my deposit a customer service representative told me at the end of each year they don't do early deposits because of tax reason to make interest off of money. So making a fraud commercial on TV just to get customer is misleading customer is wrong.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting ack 15 USC 1681 I am entitled to 100 % accurate credit report. You are violating my rights by reporting inaccurate information now no one else coul verify this account and it has been removed by XXXX and XXXX so what was your method of validation who did you validate it with I be disputed this account several times so if no one else verified it how could you?
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 Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Debt collection

Credit Acceptance Corporation, this was an account that became active on my account in XXXX. This was a result of fraud someone used my name and social security along with drivers license and signed under my name for a auto loan that Ive been fighting for the past four years. I finally thought it was resolved in XXXX when the account seemed to have dropped off my credit file and wasnt reporting showed up closed when I looked on XXXX XXXX and XXXX XXXX and XXXX. Then all of a sudden in XXXX I saw it come back and drop my credit score down. I have tried to resolve this so many times between XXXX and XXXX, with nothing done by the company stating that they cant do anything even though I told them it was fraud and that I have nothing to do with the joint owner or the address they have on file. Im not involved in any of this. They even told me that the car was totaled in XXXX of XXXX and the account was closed yet all of a sudden its back on my credit file. I shouldnt have to pay for others criminal activity. Im trying to live a honest hardworking life with my family, and I cant even get a leg up with my own business due to the negative affects of the loan in question. This isnt my loan it was never authorized by me or given any form of cosent u was never aware of it at a all.
Product: Credit card

On XX/XX/XXXX, Wells Fargo reported that I have opened a new account with them. The report was made to XXXX and others credit bureaus. I DID NEVER requested for services from Wells Fargo neither personally, online, by phone or by any other means, nor shared any information such as my SSN, birthdate, email, etc. As of today, it appears as I have a debt balance of {$140.00}. I reached an agent by phone on XX/XX/XXXX, and I was told that I do not have an application or account listed on my name, but I am attaching a picture of the existing account reported in the credit bureaus. I do not find an explanation on why the phone rep could not provide accurate information.
Product: Credit reporting or other personal consumer reports

XXXX was sent to company and there has been no response or acknowledgement. 

To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to the name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges. Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquires that I do not recognize. 

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

Consider this as my follow-up attempt to ensure that these items are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included this in my previous Complaint # & I am including it again
Product: Mortgage

On XX/XX/2021, my lender ( Ally Bank ) notified me that I was required to take an online course on homeownership from XXXX XXXX XXXX, prior to being able to close on my home purchase ( currently scheduled for XX/XX/2021 ). They claim this is a requirement of XXXX XXXX 

Before XXXX would allow me to proceed, I was forced to " opt in '' to allowing XXXX to sell my personal information to advertisers for marketing and other purposes, or else Ally would refuse to close on my loan. This predatory practice was not revealed to me until just three days before closing. 

XXXX would not allow me to take the course without providing : my email, mailing address, veteran status, disabilities, current housing situation, date of birth, education, ethnicity, first-time home buyer status, gender, offer status, marital status, other household members, dependents, race, phone number, and family income. 

None of this information was required in order to deliver the course to me, nor did it appear the course was customized in any way based on my answers. There is no valid reason for XXXX to collect this highly personal data. 

XXXX privacy policy ( XXXX XXXX XXXX ) states : XXXX may use your personal information for particular activities, including, without limitation, [ ... ] marketing and research ; studies, making referrals ; providing product, promotional and other information to you [ ... ]. XXXX may share your personal information and any other information you provide to XXXX with its affiliates, referral partners, counseling agencies, financial service providers ( such as companies providing home mortgages ), lenders, mortgage insurers, Federal, State, and non-profit or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services. In addition, XXXX may share this information with business partners for their marketing and research, and study activities. There is no time limit with respect to when XXXX may share information ; and some sharing may occur after you have obtained a loan or engaged in another kind of housing transaction. 

There is no opportunity to opt out of providing this information or to restrict the ways in which it was used. Within less than 12 hours of completing the course, I started receiving unsolicited commercial email ( spam ) from XXXX. 

I should be allowed to control how my personal information is used, without the threat of having my loan application canceled. While XXXX probably feels I have opted in to such data collection and sharing, I did not have any real choice.
Product: Mortgage

Good Afternoon, I am in foreclosure in Massachusetts. 
I lost my job in XX/XX/XXXX, and fell behind on XXXX payments. I believe I was up to date in XX/XX/XXXX, but Nationstar mortgage did n't cash my mortgage payments for XXXX, XXXX and XX/XX/XXXX, then they put me into foreclosure. They sent me back XXXX of mymortgage payments not cashed, XXXX, XXXX and XX/XX/XXXX? I have been speaking with a representative from Nationstar about a modification for over a month now and now he wo n't answer his phone or return my calls? This is beyond frustrating. I am not sending them any money. 
They send someone to my house to put a note on the door telling me to call Nation Star, which they add to what I owe them, and they send this person a couple of times a week, and expect me to pay some ridiculous high fee. 
Is n't there some law were mortgage servicers are suppose to attempt to help a home owner stay in there home? 
Nation Star services mortgage for low income people and finds every possible loop hole to charge us exorbitant fee 's and interest rates. 
Nationstar is a servicer of mortgage payments, meaning they only handle the billing of mortgages, they do not provide loans for people to get mortgages. Nationstar is putting people into foreclosure because they do not get paid until the loan is paid off, so if they put consumers into foreclosure and the property is sold and they get paid in full once they have the properties title. I have contacted the Attorney Generals office in Massachusetts and they have been of no assistance. Thousands of peoples homes have been put into foreclosure and no one is coming to the aid of the American consumers. 

Any help or guidance would be GREATLY appreciated, XXXX XXXX XXXX XXXX, Ma XXXX
Product: Mortgage

I applied the home loan modification program to chase last year and I got the proposal letter on XX/XX/XXXX this year And They sent me Modification Agreement package on XXXX XXXX,2017 When I reviewed the package. I found significant differences from their proposal letter.
I expected Monthly P & I payment amount of {$980.00} and Principal forbearance amount of {$210000.00} as Net present value or eligibility data on their proposal letter, field # 69 and # 70 But, monthly payment was {$1600.00} without any principal forbearance on the agreement I complained Chase the difference and it is against HAMP and FLEX Guideline and asked them to fix the differences.
* to provide the borrower with a principal and interest ( P & I ) payment reduction of at least 20 % and increase principal forbearance until a 20 % payment reduction is achieved.
Then, they replied that they will review and research my request and give me answer sooner. But it was delayed three times I got final answer on XXXX XXXX, 2017 that : The numbers on the proposal letter were incorrectly placed. We apologize for this and this error didnt change the outcome of the review.. " I asked them on XX/XX/XXXX what the incorrectly placed means and how the current payment amount was calculated, but No answer at all.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable  items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXX  Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} I am looking at filing a law suit against this company if it doesnt address the issues at hand.
Product: Credit reporting or other personal consumer reports

I sent a debt validation letter to this company which did not respond so in response I sent a notice of intent to file a lawsuit and the company still failed to provide any of the requested documentation to validate debt
Product: Credit reporting

Experian does not have a place to dispute accuracy of credit report so I chose balance wrong. Experian concluded everything is correct and did nothing and will not investigate again. XXXX is falsely reporting account information such as date delinquent, amount owed. I called XXXX previously and customer service reported amount owed was XXXX and first delinquent was XX/XX/2012
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documents in to XXXX and Equifax they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS XXXX Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection to the reporting of inaccurate information related to the TDRC/SAMS account with the partial account number XXXX. The errors and inconsistencies in Experians report have adversely impacted my credit file and violate provisions of the FCRA.

Identified Inconsistencies 1. Date of Last Payment : The report does not include any information regarding the date of last payment, leaving the data incomplete. 

XXXX. Date of Last Activity : The report states XX/XX/2023 as the date of last activity, which conflicts with information provided by other credit bureaus. 

XXXX. Payment History : The report indicates an " OK '' payment status until XXXX followed by a " Charge Off '' on XX/XX/2023, with no additional records or context provided. 

Violations of the Fair Credit Reporting Act 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy Experian has not implemented reasonable procedures to ensure the accuracy of the information provided, as required by this section. The discrepancies in payment history, dates, and missing data reflect a lack of compliance.

2. 15 U.S.C. 1681i ( a ) : Inadequate Investigation The absence of crucial details, such as the date of last payment, demonstrates Experians failure to conduct a thorough investigation and ensure accurate reporting following my dispute.
Product: Credit card or prepaid card

I have an account with Capital One Their was a late reporting on this account in XX/XX/2014 I spoke with to a supervisor her name was XXXX XXXX was her badge number. She gave it as a reference and told me the late on the account would be removed, I recently pulled a credit report the late is still reporting on my account. I need this late removed as the supervisor promised.