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

I had three credit accounts with XXXX XXXX XXXX. I got into some financial difficulties and I was not able to make my payments on time to capital one. After several failed attempts with XXXX XXXX XXXX to reduce my monthly payments or to make an arrangement with me so that I can keep paying capital one on time my accounts went into collection and charge off status with capital one. Within a few once my finances started picking up. I called capital one to pay for the debts. I was told that they can offer me a settlement amount on each three accounts and I a pay the settlement offer in one payment instead of making monthly payments. So I made payment on the accounts as follow : My three accounts ending in XXXX charged off on XX/XX/XXXX, with a balance Of {$2100.00}. On XX/XX/XXXX, this account was settled for  {$1100.00}. My account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$2100.00}. On XX/XX/XXXX, this account was settled for {$1000.00}. Your account ending in XXXX charged off on XX/XX/XXXX, with a balance of {$870.00}. On XX/XX/XXXX, this account was settled for {$430.00}. All of which I paid and paid in full. 
Now I previously file a complaint that capital one is not reporting these trade line correctly. These accounts are paid and on XXXX XXXX XXXX these account are not reporting that I paid these account. So it makes the account look like I did not pay any money on these accounts when I paid these accounts over 3 years now. For the whole 3 years Capital one has been violating both state and federal law and reporting these accounts inaccurately. Now according to new York State Law paid charge offs are supposed to be remove from a consumer report 5 years after the first date of delinquency. I would like Capital One to remove these accounts off of my credit files being that they have been reporting it inaccurately for some many years, and has caused me and my children hardship.
Product: Credit card

Pursuant to 1666b, it is imperative to swiftly remove these late payment remarks.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS NO FIXED NOR ALLOWED ME TO GET INTO MY CREDIT FILE. NOW TALKING TO THE OFFICE OF THE CONSUMER AFFAIRS THEY CANT EVEN DISPUTE NOR OPEN MY CREDIT FILE. I USED TO WORK FOR EQUIFAX IN THE PRESIDENTS OFFICE AND EQUIFAX HAS GONE DOWN SO BADLY IN WORKING WITH CONSUMERS AND ALLOWING CONSUMERS TO DISPUTE FRAUD OR FALSE INFORMATION ON THERE CREDIT TRADE LINE. I CANT EVEN DISPUTE OR LOGIN ONLINE TO SEE MY CREDIT FILE OR DISPUTE OVER THE PHONE. I WILL BE CONTACTING THE FTC AND ATTORNEYS CONCERNING THIS MATTER. I WILL BE LOSING A LOAN BECAUSE OF EQUIFAX NOT ALLOWING ME TO DISPUTE AND ATTACH PROOF OF FRAUD ACCOUNTS. I HAVE FILED SEVERAL COMPLAINTS WITH CFPB AND FTC AND THEY KEEP SAYING THE BLOCK OR VERIFICATION WILL BE REMOVED AND THE BACK OFFICE WILL REMOVE THE FRAUD ACCOUNTS ON YOUR CREDIT FILE, MEANING,,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I STATED IN A STATEMENT BACK TO CFPB THAT THESE ACCOUNTS HAVE BEEN REMOVED AND MY ACCOUNT IS OPEN TO ME TO DISPUTE ONLINE AND LOGIN AND TALK TO OFFICE CONSUMER AFFAIRS. NOTHING IS EVEN TRUTHFUL WITH EQUIFAX AND I TIRED OF THIS PROBLEM AND NOW IM LOSING XXXX IN CLOSING MONEY DUE TO EQUIFAX AND I WILL FILE LEGAL ACTION AGAINST EQUIFAX IF THIS PROBLEM AND ACCOUNTS AREN'T OFF MY CREDIT FILE BY XX/XX/XXXX. I HAVE CONTACTED SENATORS THATS MY BROTHER IN NC AND HES IS RAISING A COMPLAINT NOW AGAINST EQUIFAX IF THE PROBLEM ISN'T CORRECTED BY XX/XX/XXXX. IT NOT HARD JUST FIX THE PROBLEM.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this accounts XXXX  XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation.
Product: Mortgage

My partner and I took a lone out from fairway XXXX almost XXXX ago for XXXX  years. We paid it off after XXXX years and took another one using our home as Calateral. The Financial company has never reported any of this to the credit burns and it don't show up on any of our credit reports. It's good to pay off a lone early but nothing shows up for our scores have gone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding my bankruptcy. I believe that you are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus.

Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? 

Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. 
Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines.

Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. 
Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. 
Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. 
I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. 

I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. 

Attached information : XXXX XXXXXXXX XXXX  XXXX bankruptcy, address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, last four social XXXX, date of birth XX/XX/1978. 

Thank you for your attention to this matter. 

Sincerely,
Product: Prepaid card

I received two Amex prepaid card, {$30.00} and {$15.00} respectively as part of a reward program. The description of the card said that it would be able to be used in any stores where amex is accepted. I have an amex credit card and have had little to no issues using the credit card at multiple stores, so I went ahead and selected the prepaid cards as a reward. 

I receive an email confirming that the cards were available for me to use. Once again I double checked and it still said it could be used in ANY store that takes amex. I tried to load it onto my XXXX Didn't work. Tried to use it on XXXX. Didn't work. Even tried to get a different giftcard to use seeing as it was practically useless. Didn't work either. The only place that accepts it is XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX Which would not be an issue if not for the fact I discovered that even when in your virtual wallet, XXXX  % of in-store businesses do not accept it anyways. 

This is including major retail brands. Concerned I called the customer service, incase I still needed to do anything to resolve the issue on my end. Instead of a solution I was told there was basically nothing they could do, and to just add it to my virtual wallet. Which once again as I stated earlier, is pointless as it doesn't work in store either. I was told I would need to have the card registered to my information ( name, zip code, address ) and when I asked for the card to be registered, I was then informed that the amex prepaid gift card can not be registered. 

At that point I was very frustrated and felt like i was talking in circles. Nothing was resolved and the call ended with me more confused than when the call first started. I decided to do research on my own to see if anyone had figured out how to use the card or what stores actually take the card. Instead of advice I found similarly disgruntled and unhappy customer who were experiencing the same issue. 

The consensus was that Amex was claiming that it was for safety reasons so they could verify certain purchases, however this make no sense as once again, it was stated that I could used the prepaid card anywhere that takes Amex. XXXX is one of, if not the biggest online stores, and yet it flagged as suspicious? XXXX? XXXX? I would understand if it was a shady website but alas, if common sense was present in this issue I would not have to file this complaint. 

I have since called 4 times since then ( XX/XX/year> ), I have been hung up on, or not been able to connect with an agent. Granted this is a lot of work for {$45.00} however it is the principle of the matter, I am a customer, this is money I worked for and earned. I should be able to use my money especially considering the misleading information that was given seeing as Amex definitely know this is an issue, and yet they still claim that their prepaid card can be used anywhere that accepts Amex. 

It is deceitful and frankly disappointing. This was supposed to be a gift for my XXXX XXXX XXXX baby brother for his birthday and now I have to rush last minute for a situation that could have easily been avoided if American express had been honest from the word go.
Product: Vehicle loan or lease

Ive had this car since XXXX of 2016 and they told me only XXXX dollars came off the loan Ive complained to them many times about the loan and Ive complained that they are collecting on a car that has factory defects to the car is a lemon reported by XXXX  and they charged me to much for the car and they are not applying my money to the principal and they are charging me interest everyday Im late even before the ten day grace period starts Ive told them the car has been in the shop over 15 times and it s still in there for the same thing from two years ago
Product: Mortgage

Specialized Loan Servicing LLC charged me a late fee and I have never been late on any monthly mortgage payment.
Product: Debt collection

A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/2018 and advised that their client was XXXX XXXX and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/18. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX  did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.
Product: Mortgage

This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. 

Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. 

XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). 
Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. 
Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. 

As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. 

XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. 

Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit reporting

BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND TRANSUNION AND XXXX AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Product: Credit reporting or other personal consumer reports

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Not to mention the inaccurate information thats lowering my credit score! 

Payment history is terrible invalid
Product: Debt collection

I came across several accounts on my credit report that I didnt authorize. Please ensure these fraudulent accounts are blocked and deleted immediately.
Product: Checking or savings account

When the CFPB made Regions bank payout hundreds of millions of dollars. Regions also changed their ACH policy. They changed their overdraft scam policy also allowing an extra day. Well when the payout was made they also changed the ACH deposit policy. So it takes an extra day for deposits to go through. Causing what? Thats right a possible overdraft. they obviously are doing this to recoup the hundreds of millions of dollars they stole from people. 
Attached is the regulation they changed when they got caught and had to payout millions.
Product: Credit reporting or other personal consumer reports

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I am a victim of labor XXXX  The information listed below which appears on my credit report is the result of XXXX  COMPANY NAME XXXX XXXX Acct DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX COMPANY NAME XXXX XXXX ACCT XXXX DATE OPENED XX/XX/XXXX Company Name XXXX Acct XXXX Date Opened XX/XX/XXXX Company XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Reinsertion of Deleted Account Without Notification ( FCRA Violation ) I am filing this complaint due to the reinsertion of a previously deleted account on my credit report without proper notification or verification. This action violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Requires credit bureaus to notify consumers within five business days when a deleted account is reinserted, including verification details.

Section 609 ( e ) : Ensures accuracy and proper verification of reported information. 


The account in question is tied to XXXX XXXX XXXX and was reinserted after being removed. I was not notified, nor was proof of verification provided. This reinsertion has negatively impacted my credit score and caused financial distress.

This issue aligns with systemic problems highlighted in lawsuits such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Addressed consumer notification failures. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Highlighted reinsertion issues without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record- tax lien Tried numerous of times to get all 3 Credit Bureaus to remove a paid and release public record from my report. XXXX  report doesnt show, but the others does. After several attempts, they informed me that the information is correct and it will not be removed until XXXX. 

Public record recorders XXXX Paid XXXX
Product: Debt collection

I called Syncrhony and XXXX and no one was debt it yet, it is reporting on my credit