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

Experian gon na get in big trouble with me Just how I file a lawsuit with XXXX I will file a lawsuit against EXPERIAN For the last time those XXXX addresses on my client report doesn't belong to him ADDRESS MUST BE DELETED AND ANY ACCOUNT CONNECTED TO THAT ADDRESS NEED TO BE DELETED AND YOU HAVE 10 DAYS to make changes WE CONTACTED BOTH XXXX  XXXX as well as EXPERIAN AND XXXX XXXX COULDNT VERIFY THE ADDRESS NOR MY CLIENT PERSONAL INFO SO EXPERIAN XXXX LAST TIME TO MAKE IT RIGHT BEFORE I FILE A LAWSUIT BECAUSE THIS ACCOUNT WAS DELETED LONG TIME VIOLATIONS FCRA SECTION 624 FCRA section 603 15 usc 1641A 15 usc 1666B will sue {$2000.00} per violation
Product: Money transfer, virtual currency, or money service

I want you to know why Western union think it's fair for them to rob me the usd trades at XXXX Western union want to give u XXXX. Why should I pay them XXXX time. Why is it fair for them to trade well below what the dollar is worth. XXXX can never be a better place because everybody want to get over on everyone. I will not be doing know more business because you want XXXX $ out the money I'm send. How can you sleep at night we all see what the dollar is going for only for you your entitled to more. Your a thief and now I know I'll let everyone know. God sees what you do but yall gon na get yours I pay only to realize the pay rate is XXXX when everyone else is trading right. You will never get a dime more a me money. I hope XXXX punish yall
Product: Money transfer, virtual currency, or money service

Valley bank wont let me access my funds.Theyre denying my transfer.
Product: Mortgage

Despite numerous requests, Ocwen Loan Servicing, LLC keeps failing to substantively respond to the efforts of this firm to assist our client in resolving this matter. In addition to failing to substantively respond, Ocwen issued a short sale denial letter, even though our client never applied for a short sale. This firm 's attempts to resolve this matter have been met with letters from Ocwen Loan Servicing, LLC instructing us to contact a different department within Ocwen. As instructed, our firm has provided letters to the different department, but we continue to be ignored, and the delinquency amount continues to grow while Ocwen fails to properly address this situation. Ocwen has moved forward with scheduling a foreclosure hearing on XXXX XXXX, 2017. Ocwen is holding, in a suspense account, more than {$30000.00} which belongs to our client. Ocwen 's actions and inactions are violations of Federal and State loan servicing standards.
Product: Checking or savings account

I had a previous dispute and as I was reviewing my account I noticed another charge that I did not make. I started the dispute process. It now has been 14 days since the claim has been reviewed and I have yet to receive even a provisional credit. I have never nor will I ever have XXXX  so that charge is not mine. I even advised them of my police report that was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.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, credit repair services, or other personal consumer reports

Over the past 3 months I have been sending letters to Transunion to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following account : XXXX XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want Transunion to correct the violation so no other action will be required.
Product: Debt collection

On XXXX XXXX, 2015 send letter to Enhanced Recovery Company requesting verification that this account belongs to me. Requested copy of contract with XXXX with my signature. Instead they just send me a letter back saying that they verified the information with their client XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I submitted disputes on both collections in XXXX, requesting validation, copies of investigation and sources used, and documents showing signature of debtor as the only unquestionable medium of validation. Received nothing and investigation was concluded with updating information on both collections. Being this dispute was not satisfied correctly which to my understanding are fcra violations, I submitted another requesting same info as first time, Experian concluded the investigation near immediately referencing previous XXXX dispute as findings and again not providing all requested information. So 3rd disputed was submitted on both last week and Experian immediately denied the dispute. All things listed being violations of the FCRA punishable by fines per violation. Then whoever the Experian rep was responding, started requesting information and copies of I.d . and utility bills like theyre siding with companies. The bureaus position is only to properly report, properly follow the processes set by law, and correctly report information given. Violating debtor rights and playing advocate on behalf of companies is apparently what they believe their job is now. Laws are in place to protect consumers, not deny them of their rights all together and to not follow the process of of doing a full investigation by the process no matter how many time any given credit line is disputed. To the best of my understanding thats exactly what is supposed to happen every time, is the full process of the investigation, not just a yea we did that already and updated. Updated info was not requested. Validation of debt was requested with copies of results, sources, and signatures. None happened. Thank you for your time in looking into this. Credit means nothing if theres no credibility within the credit bureau itself. Then we have nothing to go by
Product: Credit reporting or other personal consumer reports

on XXXX, i sent equifax and XXXX a letter disputing the inaccurate account and the unauthorized inquiries that's reporting on my credit report.I am requesting that they removed them ASAP because they are damaging my credit profile and keeps me from obtaining things due to my credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The EXPERIAN must validate these accounts, this complaint to EXPERIAN is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they totally erroneous.
Product: Checking or savings account

I opened an account with HSBC US and they were offering a promotion that was XXXX part. Part XXXX. {$1500.00} bonus for Making an initial deposit offer of XXXX or more. 
Part 2. {$500.00} bonus for Making direct-deposit for 3 consecutive full months after account opening.

I received the bonus for part 1. However, I did not receive bonus for part 2. 
I opened the account back in XX/XX/XXXX and completed all the requirements for the bonus in XX/XX/XXXX. 
According to their terms, it takes XXXX weeks to receive the bonus but still have not received this part XXXX bonus. 
I called customer service several times and they keep telling me to wait until end of XXXX. ( I should have received this bonus by end of XXXX according to their terms )
Product: Mortgage

On XX/XX/2019, I made a complaint to Bank of America regarding my escrow tax payments and how the amount set by the underwriter was grossly incorrect. The underwriter used a tax rate of 1.25 instead of .85 for my district. He also used the sales price instead of the assessed value. This caused my escrow tax payment to be {$230.00} higher than it is supposed to be ( {$520.00} ( XXXX+XXXX ) instead of {$280.00} ( XXXX+XXXX ) for taxes and insurance ). I have made several calls to Bank of America to fix this including two office visits in DC ( XX/XX/XXXX ) and in XXXX XXXX Maryland ( XX/XX/XXXX ) .In both visits I faxed my tax information to the mortgage department.I currently have my tax bill which must be payed between XX/XX/XXXX-XX/XX/XXXX. It is XXXX for the first half of the year. My escrow account has already accumulated over {$3500.00} in escrow tax in the period of 6 months. I have enough escrow tax in my account to pay the entire year. It should not be this difficult to get my escrow tax adjusted when the bill/rate is publicly available and is updated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Capital One Auto Finance, requesting an investigation into an unauthorized inquiry on my XXXX, XXXX, and XXXX XXXX reports dated XX/XX/XXXX. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing Capital One Auto Finance to perform a credit inquiry for the purpose of extending credit. 

Despite my clear and thorough request, Capital One Auto Finance responded on XX/XX/XXXX, stating that they were unable to locate my file. This was despite the fact that I included my date of birth and the last four digits of my Social Security number in my dispute letter. It is evident that Capital One Auto Finance has not conducted a thorough investigation into my inquiry dispute. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Capital One Auto Finance has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Product: Debt collection

I, XXXX XXXX, give authorization for WELLS FARGO XXXX to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH WELLS FARGO XXXX. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO XXXX5 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company 6 times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC Opinion. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with equifax. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax XXXX Account # Account Type Open Open Type Detail XXXX XXXXs XXXX XXXX Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Product: Credit card

When I tried for and increase with Capital One the would denied me they said after six months after making your payments on time you will get it increased, but that never happened but I would keep applying for new credit cards at XXXX than they gave me an increase or instead of giving me an increase on my one card they give me a card with XXXX dollars and than give gave me and other with XXXX dollars and never raise the limits although you pay them faithfully every month for years not late but your credit limit remains the sames making you look like a bad credit risk so no one will refinance that card or card. They really bully you into staying with them in order to keep your credit. Look and see how many people they do like that because they would gave me any credit increase because they were saying I had issues on my credit report but when the report was pull what they said was reported was not reporting any issues. This went on for 2 years. While they turned me down and I brought a house 6 months later, thats how bad there are.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confiriming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claimed is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

My account experienced fraud back in XXXX, and went immediately to the local Chase branch. We were on vacation in Michigan when it happened. We talked to the Banker and the Fraud Department, and they assured us that once they put in the paperwork and updated all our cards and passwords ( and PIN ) we would be fine. We asked if we should just close our checking account and open a new one. They said it wouldn't be necessary. Then, on XXXX  XX/XX/XXXX, at XXXX my husband got a text alert about potential fraud, he followed the prompts like we're supposed to. The next day I went to the bank in the morning to set up direct deposit and they told me my account was restricted, but they couldn't tell me why. I called the number they gave me and was told that " Chase bank has decided your account is no longer manageable and they're closing the account. '' No explanation, no warning. They wouldn't let us access our funds, immediately cancelled any and all access to our online profiles, and cancelled our debit cards. We were told that a check would be mailed to us within 7 to 10 business days. Luckily, we were able to access our savings account, which we promptly closed and opened an account at another bank. We have bills, including rent, that will be due most likely before we get the check. It seems that Chase Bank does not care about their customers, but their bottom line. We were told at our new bank that we were the 3rd account that had moved from Chase this week.
Product: Student loan

This is a follow on complaint for XXXX / Campus Partners. For over ten years I assumed my loans were in posession of the federal government and still in deferment. After notice of a late payment, without warning, I had learned that a portion of my loans were now in posession of this private company, I had been charged a late fee, and my credit rating had sufferred accordingly. 

The company website is almost unsable, to the point that making a payment is virtually impossible. Tens of login attempts failed and there is no clear indication that a certain browswer must be used. Tens of time-out errors occurred. My information disappeared and reappeared from their database. I was not eligible to set up autodraft payment for no apparent reason. No place on the website shows a repayment schedule, a monthly due date, or similar pertinent information. The website 's poor operations are clearly to the advantage of the company, as it discourages timely and organized payment from customers. 

Fees are exorbitant. I was charged a convenience fee of {$180.00} to pay off my loans in full ( my total balace with the company was less than XXXX ). A one time processing fee from a debit card is {$60.00}. 

In sum, the company is clearly using a federally protected revenue stream to an unseemly advantage by setting up hurdles for payees, creating headaches for those in good standing and likely undermining the well being of those less financially secure.
Product: Credit card

I am writing to report two unauthorized {$1.00} transactions that were attempted on my Chime virtual credit card on XX/XX/year>2025. Both were declined due to incorrect CVV entry. The details are as follows : 1. Merchant : XXXX Location : XXXX, XXXX XXXX : {$1.00} 2. Merchant : XXXX Location : XXXX, XXXX XXXX : {$1.00} I am very concerned because these transactions were not authorized by me. Additionally, when I contacted customer service, I had a hard time understanding the representatives due to a language barrier, and they seemed to struggle with understanding my concerns as well. Despite requesting a transfer to another representative, my request was not honored. This has left me worried that my account may not be fully secure.
Product: Credit reporting or other personal consumer reports

DEPT OF ED / NELNET Company is unresponsive. This isn't my debt as I have never taken out a student loan. This seems to be an error or fraud. I have made several attempts to contact the credit bureau but they all insist I file a complaint directly with the company. This is inaccurate information and needs to be resolved immediately as It is affecting my credibility
Product: Checking or savings account

XXXX XXXX or XXXX charges to my account from a loan company illegally charging me. The bank closed my account
Product: Credit reporting

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

In regards to Public Record U.S. Bankruptcy Court ( reference # XXXX ). 

In addition, the court has stated, " The United States bankruptcy court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumer files. '' Therefore this information has not been verified for accuracy and does not belong to XXXX XXXX XXXX ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

Several years ago, we arranged a settlement with XXXX XXXX for a repossession of our vehicle that was handled inappropriately & negatively impacted our lives. Upon negotiation, it was determined that a set amount would be sent to us & that all of this would be removed from all reporting agencies where our credit is concerned. We have waited several years for this removal from our credit report to occur and it did not. It has negatively impacted our families since that time & impaired our ability to get credit in many cases. I have had to finally go in & fight this on our credit report through disputing this incident. We are deeply disappointed that after a traumatic experience of losing our vehicle through inappropriate means and negotiating a settlement, that this issue with our credit would greatly impair our ability to provide for our families. It is definitely not what we were told would occur. 

The vehicle was financed in XXXX XXXX & XXXX XXXX, XXXX names. The vehicle was repossessed in 2016. It was a red XXXX XXXX.