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

I AM TIRED OF GOING BACK AND FORTH WITH YOU AND THE CREDITORS WITHOUT RESOLUTION OR PROOF OF VERIFICATION! THIS IS YOUR LAST CHANCE TO CORRECT AND COMPLY BEFORE LITIGATION! 

I recently sent you a request to reinvestigate the information previously disputed. The computer-generated response I received is unacceptable and I have lost patience. Your unlawful conduct and willful neglect has caused me a lot of stress and financial harm, including out of pocket costsexpenses, and loss of personal credit opportunities. 

It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Which is a violation of FCRA 15 USC 1681 ( e ) ( b ) Compliance procedures-Accuracy of Report. I have attached an audited report from XX/XX/XXXX I request that you remove this incorrect information IMMEDIATELY and send me an updated copy of my credit file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : UPDATE XX/XX/XXXX TO PAID ON TIME Provide Method of Verification and Procedure used Inaccurate terms- Never received statement of late Never Paid Late XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Inaccurate Payment History Misrepresenting the date of status and date of last activity resulting in the account being re-aged XXXX XXXX- Date Opened : XX/XX/XXXX Balance : {$0.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Credit limit and High Credit Amount Incorrect Failing to report a previously disputed account as disputed to the credit reporting agencies XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Inquiry : XXXXXXXX XXXX XXXX Inquiry Note : HARD Inquiry : Individual Date : XX/XX/XXXX Reason : Unauthorized-Remove this inquiry under section 604 Inquiry : XXXX XXXX  XXXX Inquiry Note : HARD Inquiry : Individual Date : XX/XX/XXXX Reason : Unauthorized-Remove this inquiry under section 604
Product: Checking or savings account

The interest being calculated on my account is not at 4.94 % interest rate that they are advertising, it is less. I called several times and no one will give me an explanation. They then told me to email because they couldn't give me any information by phone. This is something very simple to rectifiy and answer but so far, they have not communicated any answer to me why the interest is lower than the advertised rate. I assume my account is not the only account that has this issue and it appears they are advertising a high rate but then actually paying a lower interest rate than advertised in order to get clients, which is false advertising.
Product: Checking or savings account

On XX/XX/year> Capital One did not send me/process my direct deposit. I then was worried my boss didn't complete payroll on time and that was the reason I didn't get paid. Come to find out my company did in fact complete payroll on time and it shows that I was in fact paid my total paycheck. 
I am now incredibly concerned because I have my {$600.00} car payment due on XX/XX/XXXX, through a company that I have made every payment on time throughout the course of having this vehicle. I call Capital One and there's a very vague automated explanation of SOME, it doesn't say ALL, direct deposits, transfers ect are currently down/not processing. I sit on hold for a long period of time and eventually talk to a real person and am told that their payments aren't processing. I explain to the customer representative that I have bills that will require late fee 's, credit damage, the whole 9 yards, to which the customer service representative told me she doesn't know what I can do. 
I'm very curious to find out how us costumers can be expected to just take those late fee 's, credit damages, and all the stress that has come along with it and Capital One not do anything for, or about it. 

Thank you
Product: Bank account or service

I applied for credit for XXXX from XXXX XXXX, a division of XXXX Bank! I have perfect credit with no adverse collections, and a perfect history for payment of a car loan timely and paid off, a student loan timely and paid off, and XXXX Bank just approved me for an XXXX Credit Card. They refused my application as when I originally applied there was an inaccurate negative collection with XXXX XXXX, that was removed as the account was paid timely in 2014, before collection. I should be allowed credit with XXXX XXXX today.
Product: Debt collection

When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. 
I find it very unethical of this company to let so much interest add back up to such a high amount. 
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

I have reached out to the credit bureaus about these debts they have put on my credit file. This has been a long road. When ever  I apply for anything I am never approved because for some reason I believe me and someone has the same social. Its extremely frustrating. I just would like all this inaccurate information removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.
Product: Prepaid card

I currently have a rush prepaid account. They guarantee you receive u money two days early and nothing has been posted to my account. I was locked out my account and hung up on enormous amount of times. I currently live pay check to paycheck and can not afford this inconvenience at the time. I call my hr department at work but they said it has already been deposited. I will be canceling my card once I receive my money. They could n't even tell me where my money was since the check is deposited but not in my account.
Product: Credit reporting

I was in the process of viewing my credit report online. I was asked a series of security questions prior to viewing my report. There was question stating that I opened a mortgage loan in 2010 and what bank did I use. I have never owned a mortgage, it also stated that I opened a retail credit card and I have never done that either. I was unable to view my report because I did n't have the answers to those questions.
Product: Debt collection

On or about XX/XX/XXXX I received a letter stating that XXXX XXXX XXXX XXXX ( PRA, LLC '' ) had purchased an account and stated that I owed {$2400.00}. 

On XX/XX/XXXX I sent PRA, LLC a Debt Validation letter. 

On or about XX/XX/XXXX, I received a letter from PRA, LLC stating that they had purchased an electronic file from XXXX XXXX XXXX ( USA ) XXXX that contained information regarding an account belonging to me. 

On XX/XX/XXXX I sent a letter to PRA, LLC stating that I had no knowledge of them and the electronic file they claimed to have purchased, and asked them to produce all documents pertaining to this account. 

On or about XX/XX/XXXX I received a letter from PRA, LLC stating that more documents were enclosed. Documents enclosed were incomplete statements from XXXX XXXX, which I had never seen before. 

On XX/XX/XXXX I sent PRA, LLC another certified letter regarding their XX/XX/XXXX response. In this letter I stated that the incomplete statements appear to be from XXXX XXXX and not from PRA, LLC, and I had not seen them before. I also stated that if they are claiming that this account was established between myself and XXXX XXXX, and now they are claiming ownership, I asked them to provide the following documentation : A copy of the original contract agreement with my name and signature. 

Proof of ownership of the alleged account ( purchase agreement/bill of sale, purchase amount, and all documents that demonstrate clear ownership ). 

Detailed accounting beginning with XXXX  ( XXXX ) balance and ending with the alleged amount of {$2400.00}.

On or about XX/XX/XXXX PRA, LLC responded with another letter stating that additional documents were enclosed, but there were no documents enclosed, and that they had completed their investigation.
Product: Credit reporting or other personal consumer reports

Two weeks ago, I sent a letter to Experian to remove old personal information and keep the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX I included a copy of my driver 's license, social security card, and a copy of a bill showing my current mailing address and it was not done. I looked at my credit report a moment ago and still shows old personal information.
Product: Money transfer, virtual currency, or money service

A guy called me stating he was from Wells Fargo fraud department and asked me if I sent XXXX $ to my husband which I did not. He said no worries we have secured your XXXX account and your husband can send the money back my husband sent money to my XXXX phone number as usual but it never came back to my XXXX account and guy on the phone ended call abruptly and no one knows where the money went but it did not go into my checking account. So the guy on the phone somehow hacked my account and I did NOT give him my password or phone number so I dont know how he did it. The bank has not returned the funds.
Product: Debt collection

elan financial services has a fraudulant charge in the amount of {$740.00}
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Consumer Loan

Ally has not responded to resolve the discrimination complaint of XX/XX/2017. 
ref # XXXX Based on the response from Ally, XXXX, of XX/XX/2017 It is apparent that further investigation is warranted into the policies and practices of Ally used to determine credit worthiness. 
This XX/XX/2017 response from Ally is ambiguous, appears to be in conflict with itself, and is potentially misleading. Nowhere in this response is there supporting information that one can conclude Ally has not acted within a posture of age discrimination to determine credit worthiness. Simply reiterating a statement that " Ally takes claims of discrimination very seriously '' does nothing to support that Ally has not acted in just such a posture. Indeed, the lack of specificity and clarity begs the question. 

What is the criteria, specifically, which Ally would have approved this TOE? Income? How much? Use of available credit accounts? Be specific. Available cash on hand in a bank account? What exactly are those quantifiable " merits ''? My credit history reflects an unblemished credit score of XXXX and a practice of XXXX balancing credit card statements every month for years. Surely this must have some weight in the formula for credit worthiness. 

Further, please elaborate and explain the portion of the statement referring to the credit inquiry made in XX/XX/2017 that reads, " since we did not use the accurate information upon receipt of your TOE application ''. 

Ally has not and did not request or receive any additional information from myself since the initial mailing of the Ally TOE application of XX/XX/2017. Ally did not have " a permissible purpose '' to access my credit report in XX/XX/2017 in connection with evaluating the Ally TOE application. 

Additionally, the XX/XX/2017 letter to CFPB states that " an 'accurate ' declination letter will be mailed to you under separate cover at the address on the application indicating the reasons for our decision ''. This letter has not been received. Waiting for this letter to show up has caused yet further delay in my responding herein, and with each day of delay from Ally, it costs me more money to pursue the acquisition of a vehicle not to mention the induced frustration. The letter that Ally did XXXX mail to me under separate cover is a copy of the letter sent through the CFPB complaint system. Yet again, one can see how the Ally response letter is fraught with ambiguity. 

For the reasons stated above, I hereby demand that Ally, immediately, remove the unwarranted credit inquiry made in XX/XX/2017 so as not to further delay and constrain my vehicle acquisition initiative and promptly notify me through the CFPB complaint process when this action is taken. 

It is my sincere hope that future communications from Ally do not lead to more granular questioning, costs, and further, damaging time delays. Please include the CFPB in ALL communications. 
Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.
Product: Checking or savings account

XXXX  has been randomly suspending my account over & over, the last time they froze my account they permanently suspended it & said my funds will be held for 180 days for no reason at all, I only use that account to buy food & pay bills. That was my XXXX / XXXX money, I couldn't even buy my daughter any gifts last year because of the hold on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not delete an account ( XXXX XXXX ) that is clearly reporting incorrect information. On XX/XX/XXXX I disputed inaccurate data -XXXX XXXX account reporting as charged off when it was in fact discharged in a bankruptcy in XX/XX/XXXX ( public record appears on credit report ). Experian did not remove data. I followed up with a written request and Experian still will not remove data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXXXXXX XXXX date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XXXXXX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXXl Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX  open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.
Product: Credit card or prepaid card

On XX/XX/23 I placed an order ( XXXX ) on XXXX for a laptop and related accessories. The purchase was made on my AppleCard credit card. XXXX shipped XXXX packages, XXXX with the laptop and the other with accessories. The laptop was never delivered to me but the accessories were delivered. 

The laptop package was supposed to be delivered to my home but it was not. XXXX  site ( tracking # XXXX ) indicates the package was diverted ( not at my request ) and delivered to a XXXX  store in a neighboring town ( XXXX XXXX XXXX XXXX, XXXX, CA ) and that it was picked up there. At the same time that the laptop was apparently picked up in XXXX ( XX/XX/23 at XXXX ) the second package ( tracking # XXXX ) with accessories was delivered to my home where I accepted delivery in person at XXXX on XX/XX/23 ( this package shows as pending delivery on XXXX  site ). 

I reported the theft of the laptop to the local police department and the police report was completed on XX/XX/23 ( case # XXXX ). 

I have tried to resolve this issue directly with XXXX numerous times since my initial call on XX/XX/23. Today, I called XXXX to obtain an update on my refund request and was told it was declined on XX/XX/23 and that it was communicated to me by email. I never received any written or verbal communication from XXXX that my refund had been denied until today. 

I am asking for a reversal of the credit card charge ( {$2400.00} plus tax ) and a refund of the payments I have made to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give XXXX, Equifax, or, XXXX written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXXXXXX XXXX  ... XXXX XXXX XXXX XXXX XXXX XXXX is still reporting my XXXX XXXX... they are using a XXXX party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had GAP INSURANCE, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . all names and addresses, jobs that doesn't match my current information must be removed
Product: Mortgage

NEWREZ did an escrow analysis on my Loan # XXXX and told me that I had a shortage in my escrow account because taxes and insurance had increased. I could either make a payment into my escrow account or opt to pay a higher monthly payment. 
I responded by sending them a check for {$1300.00} which would address the shortage. NEWREZ received my check and instead of applying it to my escrow account, they applied it to reduction of my outstanding Principal balance and thereby raised my monthly payment. 

NEWREZ needs to correctly deposit my check into my Escrow account for Loan # XXXX and bring my monthly payment down to the prior level.