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

I am writing to express my extreme dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite multiple communications and persistent efforts on my part, these issues remain unresolved, causing significant inconvenience and frustration. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings and late closure status.

Transparent communication regarding the steps being taken to correct these issues.

Swift resolution of the account opening problem, with confirmation of the successful resolution.

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings and late closure status. 

I insist on a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct these late open accounts and remove the late close in my credit file : XXXX / XXXX  XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Credit reporting

I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
Product: Credit reporting or other personal consumer reports

Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called Equifax and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/XXXX  XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXXXXXX Late Payment {$0.00} 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ),  and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.
Product: Checking or savings account

I m working with PayPal last year they asked me for all the necessary document to unlock my account. And last week the made a limitation on my account holding about XXXX USD ; I replay with all the requested document, but the customer service telling me each day I contact them the team reviews my problem and they will back to me less then XXXX. I m looking to have my problem solved by them.
Product: Debt collection

I contacted both AMERICOLLECT and XXXX to verified this account. Both companies AMERICOLLECT/XXXX came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted XXXX and they said they don't provide such information. I also contacted AMERICOLLECT to please provide me with verification of the account and also i didn't get anything from them
Product: Credit card

I got a XXXX XXXX XXXX from XXXX. It's form XXXX. The card is issued by XXXX XXXX XXXX XXXX. I set up the card on the website, thereafter it has not worked anywhere. It is rejected. When I try to call I keep getting forwarded and then the call drops. 

I can't even log onto the website with the card information anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

Experian : XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain technology has incorrect information on my XXXX report and failed to provide any update since XXXX XXXX. Im asking this account to be removed
Product: Credit reporting

I have a tax lien on my Equifax report. I sent them a letter asking them to please send me verification that this is in fact my debt. When i saw it on my report I called the agency reporting the tax lien and the phone number is disconnected so how could Equifax legally come back to my request and say they verified the info is mine when clearly they did NOT? If your allowing them to simply get away with this please send me the next steps to pursue legal action this is n't right not XXXX time have they sent me anything back verifying the lien. Also I sent them letters asking them to remove the closed accounts on my report that have been there over 7 years and nothing has been done. This is clearly criminal action I want these items removed immediately or I will take further action. The tax lien case will be easy Equifax said they verified the info yet the number they said they called is disconnected and has been for over 6 years. If Equifax is going to continue to lie to me I will certainly use this document when I file charges against them. I have been asking them for over 8 months now.
Product: Debt collection

This letter is a formal complaint that you are reporting in accurate and incomplete in credit information. 
According to the Fair Credit Reporting Act Section609 ( A ), you are required by federal law to verify through a physical verification of the original signed consumer contract, any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax email or mail a fraudulent account. 

Your failure to positive verify these accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the amount listed below. 

I demand that the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

An undersized inquiry was placed on my credit report I used a XXXX XXXX link that stated there be no impact to my credit rating to find out my interest rate for a potential loan
Product: Debt collection

I am filing a complaint because the debt from National Credit Systems Inc ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX  at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Late Payments to Update : XXXX. XXXX Inquiries to remove : XXXX. XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX
Product: Money transfer, virtual currency, or money service

XXXX  and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 XXXX XXXX  Charged me XXXX XX/XX/202XXXX XXXX XXXX Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - XXXX Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 XXXX XXXX Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted XXXX multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 Names reported that are not correct. And 25 Addresses and 13 phone numbers.
Product: Debt collection

The original creditor, XXXX XXXX of XXXX, removed the account from my credit reports because the account does not belong to me ; I have never resided at the address attached to bill that this company keeps sending as their form of verification ; failing to comply with Federal Law by being unable and/or unwilling to provide a valid instrument of indebtedness, a consumer contract with my signature on it. They also report to the bureaus using an account number that does not match with the one they use on my correspondences ; just one of their many violations. ( See attached photos )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

In XXXX of 2022, I received a flyer in the mail from Chase bank offering me up to {$600.00} to open up a checking and savings account with them and making a {$15000.00} deposit and setting up direct deposit with them. In early XXXX, I went online and opened up a checking and savings account with them. Over the next few weeks, I made deposits of over {$15000.00} and went to my employer and had them switch my direct deposit over to Chase. Everything seemed fine until I got a letter in the mail on XX/XX/XXXX stating that I would not be able to access my account and it will be closing soon. The next day I called the number in the letter and they said that Chase has decided to close my account. They gave no reason and they said once my account is closed, I will get a check in a few weeks for the balance in my account. Why send me a flyer in the mail that I then respond to and jump through all of the hoops and now I don't have access to over {$15000.00} of my money. I also have to go back to my employer and set up direct deposit with another bank. I feel mislead and they can't even tell me what I did. Chase also has a large chunk of my money and refuse to give me access to it. I feel like I got robbed from a bank.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a large purchase with my XXXX Credit card. It was order number XXXX and the amount was {$1500.00}. The order was messed up completely. Parts of it arrived damaged, parts of it arrived with pieces missing and one item, a table was not delivered for several weeks and then when it was finally delivered we were basically told that we could not inspect it and there were scratches in that. My wife and I each contacted customer service several times. Initially they refused to accept returns on the items and then they later said they would give us a 50 % refund. Several weeks passed and we were contacted by customer service to confirm that the table was finally delivered on XX/XX/XXXX. We informed them about the nightmare we had experienced. We also informed the customer service representative that we had been offered a 50 % refund and were given a very difficult time with the customer service representative claiming that they needed to pull calls and would not offer a refund like that. 
We would like to invoke the special rule for credit card purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX 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 or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AFFIRM INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that AFFIRM INC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AFFIRM INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AFFIRM INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

I hold mortgage with USBank for my home. I put down 25 % and my LTV is less than 70 %. Per USBank website https : //www.usbank.com/home-loans/mortgage/first-time-home-buyers/what-is-an-escrow-account.html I asked them to remove or waive my escrow account in writing on XX/XX/XXXX ( ish ) and I received a letter from USBank that my request for waiver is approved but I must pay 1200 in fee. Per their website and ltv rules I think it is illegal for USBank to demand a fee to cancel my escrow. when I have been never late for my payments.

On top USBank is illegally asking for more cushion than required by federal rule. 
I tried to speak to USBank rep XXXX and was told that is the fee and its in my loan closing clause but there is no clause in the paperworks provided to me but even if there was I feel its illegal
Product: Student loan

I paid off my entire loan balance on EdFinancials original website. Once they moved to their new platform I saw that I had an outstanding amount. I contacted them and they told me that the amount would go away. However, this was months ago and the loan is now accruing interest. I called them again, but they told me that they did not have records of me paying off this loan. Thankfully, I saved the receipts of the transactions. I am trying to contact them again, however it is extremely difficult to get someone on the line. Their online chat system has also been down for over 2 months.