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

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXXXXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Vehicle loan or lease

Interest deducted from a " principal '' payment. See attachments.
Product: Money transfer, virtual currency, or money service

World Remit does not deliver what it promised on time. I made several calls during 24 hours period. The money involved is {$1000.00} and was sent XX/XX/2019. Since then I called several customer service agents, and each of them has been saying the same reason, that its payout partner does not provide any confirmation after it received money. So the agent provided two options for me to consider, cancel the transaction or keep waiting. I took the cancellation and I demanded to send back my money back to my bank account in US as soon as possible, but the agent does not not guaranty when I will get the refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Mortgage

Several weeks after closing on our mortgage Hancock Whitney made contact with me regarding a lack of both information and a signature involved in the closing. 

Apparently my Social Security Income was not included.

Several demands were made including a " threat '' from XXXX XXXX ( Client Solutions Leader '' that I could be " forced '' to sign as that was part of the standard closing agreements to agree to correct and missing information. 

Demands included that I should drive a 2 hour round trip from my home to sign, it " had to be signed by " X '' date '' etc., although that deadline date had come and gone when the matter was settled. 

During that time I received the attached letter form XXXX XXXX asking me to sign one page out of the entire agreement that was Section 6 : Acknowledgements and Agreements had absolutely nothing to do with correcting my income. 

It appeared that Hancock was going to make a change on what was already a signed Income Disclosure and then use the attached page as a way to provide my agreement.

I refused to sign it and instead contacted the attorney 's office that did the closing seeking advice. I was instructed not to sign an arbitrary page and they would look into it.

They then presented the option, what I believe to be the legal and proper way to handle the situation and that was to come into their office and to initial and date the original closing documents and to then provide the missing signature ( s ).

Hancock made the entire pre-closing demands absolutely absurd and then to attempt to pull this " switch '' off is very disconcerting. I am a well educated individual with several closings under my belt and have never seen a bank act in the manner that Hancock did.
Product: Credit card

I have an Ashley Furniture store card thru Synchrony Bank. I made various purchases on my card with minimum payments of around {$180.00}. I pay XXXX XXXX  monthly. XXXX charge made for {$580.00} or so for XXXX year of deferred interest expired in XXXX or XXXX. I was charged {$200.00} of interest. I thought my excess payments and allocated payments would have covered it. I called and spoke to a representative and supervisor. I was told {$260.00} still remained. I asked if I could just pay the {$260.00} and get the interest adjusted. I was told no since it was over 30 days. This is very unreasonable and questionable since my excess payments should have resolved. I paid {$260.00} on my card on or about XXXX. I am requesting adjustment of interest for {$200.00}.
Product: Debt collection

I received a notification from my credit monitoring company that I had a collection account. I immediately reached out to the creditor/collection company. I asked for the information. The collection company verified that they had sent the notice to an address which I moved from over two years ago. Given the passage of time, my mail was no longer forwarded. I have updated my address with the credit reporting bureaus as well as the XXXX. I asked for the information to be removed from my credit report, until I received the account information and the opportunity to dispute or pay within 30 days. They have failed to send me the information. Furthermore, they refused to send the original notice to my correct address. I have absolutely no information on this account, except for the name of the collection agency and the fact that it is for {$590.00}. I believe this is an unfair collection practice, as I did not receive the 30 day period during which to dispute or pay the collection. I have acted in good faith, even communicating with the collection agency by mail and telephone, and have not been provided with the same courtesy.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian, Equifax, TransUnion list all that apply for their continued failure to accurately report my credit information and their non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the bureaus have failed to correct the inaccurate and inconsistent data on my credit file, violating my rights under federal law. 

Summary of Complaint : The credit bureaus are reporting inconsistent, inaccurate, and outdated information across multiple accounts : Date Last Verified Date of Last Activity Date Opened Last Payment Date Payment History Errors Closed Date account numbers These discrepancies are not only misleading but also negatively impacting my credit profile. Despite providing supporting documentation, the bureaus have either failed to investigate properly, refused to correct the errors, or have used automated dispute systems ( e-OSCAR ) instead of conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i. 

Specific Accounts in Dispute : Creditor Name : 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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

On a date im not too sure about, i signed up for bright money which was advertised as a free service. I linked my bank account in order to get my credit score reviewed and hopefully improved. On XX/XX/2023 I received an unauthorized amount of {$60.00} charged to my account via XXXX. I never accepted this charge, never wanted it, and never authorized it. This is a fraudulent company with many complains online and I want my money back.
Product: Mortgage

My loan was sold to Servis One/BSI Financial. I have been trying to access their online payment portal for three days on my browser to make my payment. The page never loads.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Checking or savings account

I filed for XXXX XXXX XXXX XXXX they sent me out a debit card in the mail I never received I got XXXX  XX/XX/2021 the card never got to me once I was XXXX  I contacted prepaid Bank of America I told I have not received my card and would like to file a claim I sent in police reports that were to the Bank of America and I also sent in proof that I was XXXX  to Bank of America I also sent them to the XXXX XXXX I called daily and nothing has been done its going on XXXX years no undate no answer my claim was denied I filed a claim again now stuck pending provision credits there been nothing getting resolved or updated claims number XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I just added XXXX dollars to my current debit card and it was cash already in my account but some 1 at the company just told me that my account has no funds so they illegally removed all my cash that I just added. I had a little less then {$25.00} in my account and I am showing proof that I added cash to my current debit card from my XXXX account so it is supposed to be cash in my account.
Product: Student loan

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Product: Debt collection

The letter that was written to the third party was on XX/XX/2024 Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for XXXX Credit Card I am writing in response to your recent letter dated [ date of their response ], regarding the verification of the account referenced to the XXXX Credit Card XXXX I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the credit card in question or provide concrete evidence linking me to this account. I remain unaware of any association with XXXX Credit Card, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

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

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to remove the late, closed, and charge-off accounts from my credit report. Despite multiple requests and efforts on my part, these negative entries continue to adversely affect my creditworthiness and financial standing. 

As a responsible consumer, I have taken proactive measures to address and rectify any past financial discrepancies. I have diligently worked with your organization to resolve these issues and have complied with all necessary procedures and requirements. However, it is disheartening to see that these efforts have not yielded the desired results. 

The persistence of late, closed, and charge-off accounts on my credit report not only undermines my credibility but also hinders my ability to access essential financial services and opportunities. These inaccurate entries paint an inaccurate picture of my creditworthiness and financial responsibility, which is unacceptable. 

I demand immediate action to rectify this situation and ensure the accurate reporting of my credit history. I expect your organization to conduct a thorough review of my account and take the necessary steps to remove the erroneous entries promptly. Additionally, I request confirmation of the removal of these accounts and the updating of my credit report accordingly. 

Furthermore, I seek an explanation for the recurring nature of this issue and assurances that similar errors will not occur in the future. It is imperative that your organization implements robust measures to prevent the reoccurrence of such discrepancies and upholds the highest standards of accuracy and integrity in credit reporting. 

Please treat this letter as a formal complaint and escalate the matter to the relevant authorities within your organization for immediate resolution. I expect timely communication regarding the progress of this issue and confirmation of its resolution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card

I fell on hard times this past year. I spoke with the company and explained what happened. They continue to call me with a " robo call '', leaving a message every time. This occurs 5-6 times a day, between the hours of XXXX and XXXX. This also includes weekends and holidays.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made XXXX  attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered XXXX  obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open accounts and request corrections. Follow-up communication was initiated to inquire about the status of the correction process. Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timelyand satisfactory resolution to be implemented to rectify the inaccuracies in my records.Please help me correct the following accounts : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX  XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed police reports and submitted everything that was requested of me both to the company and the credit bureau and its still remaining on my credit report. I did not have this account I wasnt even in that state when the loan was initiated.
Product: Debt collection

Sent a debt validation to all three credit bureaus in XXXX 2021, debt was not verified by XXXX and in the result was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my home loan refinanced as my daughter will be a XXXX in College and Experian is severely impacting my abilities to refinance. On or around XX/XX/XXXX i applied for a refinance loan with my local bank, XXXX XXXX XXXX XXXX XXXX. They pulled my credit report which was through Experian. Experian sent them my credit report and a copy of my credit report to me. First I noticed, my name last name was wrong, my last 4 digits of my SSN was wrong, they had over 13 creditors that were on the report that were wrong. I contacted Experian as this is giving me a negative affect on my credit report and FICO score. My daughter is unable to register for college as I was depending on this refinance with my bank in order to register her in college. After speaking with Experian, they accepted that they had reported incorrect information on my credit report and that they would fix it. I did receive a letter about a week or two later showing they had corrected my name, SSN, and removed about 13 creditors mostly all were negative reports on my credit report. I spoke with a person named XXXX and XXXX, I asked to speak to a supervisor, which they could not find one after being on hold for about 20 minutes. Today XX/XX/XXXX my bank called me again after i let them know that all should be resolved with Experian and my bank told me that Experian is still reporting my old information to them. Please some one help me to resolve this negligence on Experian 's part.
Product: Debt collection

I am financially going through a difficult situation and this company will not work with me on my account. I called and spoke to my account handling person and she stated they can pick up my vehicle because I can not make a full payment. I feel that they are violating my rights as a consumer all I asked for was for them to take a partial payment so that I can try to make an attempt to keep my vehicle. My account representative was very rude and hostile. She has no customer service training and should be taught how to treat people with respect. This company should be investigated due to their horrible tactics. I have not received anything in writing indicating they have the right to pick up the vehicle. Please assist. Last 4 digits of my ssn XXXX XXXX XXXX XXXX XXXX XXXX