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

Hello, I want to notify you that I did not provide any expressed written consent or authorization to any third-party consumer reporting agency to furnish data on the following accounts. As an individual, I have the right to privacy. Please be reminded that any unauthorized use of my personal information is considered identity theft. Please remove Inquiries within 4 Business days to avoid legal actions 1. XXXX XXXX. XXXX XXXX XXXX XXXX Therefore, I kindly request you to promptly remove this data within XXXX business days under 15 USC 1681-c-2 to avoid any further legal proceedings. I appreciate your quick compliance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX on my credit report has late payments that are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

pripr complaint filed with CFPB on XX/XX/XXXX and New Rez responded on XX/XX/XXXX, CFPB # XXXX, copies of documents to be attached. 

NewRez increased my mortgage payment in XX/XX/XXXX by almost {$500.00} due to a computer error on their part where my tax bill was doubled. I paid the bill the first time then called to find out why my payment jumped so much. I was told the computer erroneously doubled my tax bill and a request to fix it was made by Customer Service. i received new escrow analysis and it wasn't fixed so I called again at the end of XX/XX/XXXX. Customer service told me to call back in a week or so to see if it was fixed as she sent another very specific request to correct it. I called back In XX/XX/XXXX, the correction still hadnt been. New Rez 's agent told me to just pay my normal payment, less the incorrect extra escrow of almost {$500.00}, as she also sent in a request and it should be fine. New Rez received the money but did not apply it to my payment and just held it because i didn't pay the extra {$500.00}, which was an admitted mistake on their part. i did pay an extra $ XXXX+ in XXXX even though i was told the escrow problem had been fixed but the computer would not accept the change until the following month ( again ... their mistake and computer issue, not mine ). I complained and they sayed they would not send derogator info to my credit bureau reports in the XX/XX/XXXX letter and showed that they hadn't. this loan was then paid off in full at the end of XXXX XXXX amazingly, now, which is 2 months after their letter and 1/1/2 months after this loan was paid off prior to the next payment being due, my credit reports are just now showing derogatory statement from New Rez that I paid my payment 30 days late. i DID NOT pay my payment 30 days late, they held my payment. they expected me to keep paying {$500.00} extra per month due to their computer error doubling my tax bill even though they admitted they made a mistake This is not fair and fraudulent practices. I believe they are only now reporting this info as a punishment to me for filing a complaint against them with CFPB. I want this derogatory information removed immediately as this is impacting me refinancing at a cheaper rate.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresents the 360 savings accounts as having one of the nations highest interest rates, yet failed to notify account holders about superior rates available in other accounts. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses of many, breaching the Consumer Financial Protection Act, and the Truth in Savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Vehicle loan or lease

XX/XX/XXXX - When I got my used car from the dealership, I believe I was misled about the vehicle 's terms. 

When I turned in my XXXX XXXX, I was told one thing and given another. I was unaware that they were marking up the price of the car I was purchasing to devalue my trade-in value. My XXXX was valued at trade in at {$18000.00}. During the purchase the salesman never expressed the rate nor length of the note. I was only understanding what my monthly payment would be never explained how that payment was derived. I feel the tactics used by NEVER being made aware of the amount being financed and the total amount of the purchase price was predatory - the XXXX XXXX XXXX and the average sales price for the exact make and model I bought at the same time ranged from $ XXXX XXXX dollars. After reviewing my loan documents, I was appalled to find that the price of the vehicle I purchased was marked up to {$50000.00} after applying the trade-in and positive equity for the XXXX XXXX XXXX XXXX {$11000.00} after payoffs. I still ended up XXXX {$33000.00}. As of today I still owe {$26000.00}, putting my auto loan underwater and stuck with negative equity for years to come. 

In addition, when I bought the car, they said that the XXXX XXXX XXXX was included and that I just had to get it from the store. After calling the dealership XXXX and talking to multiple people, they finally told me that the XXXX XXXX  did not have this feature - after it was too late to return the car. As a minority woman, I feel like I was taken advantage of by being told a reasonable payment of 6 years added above the interest market rate when rates were near 0 % at purchase. I realize now that the purchase price was marked up on average {$15000.00} to {$20000.00} over the fair market price. When I went to discuss this with XXXX, I was dismissed and thought that there was nothing I could do until a financial advisor told me about this resource.
Product: Debt collection

They are suing me, without verification of debt belongs to me with no signature of me I never did business with this company
Product: Debt collection

Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Credit Report Information and Improper Investigation of Prior Claims on XXXX XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report and to highlight serious deficiencies in how my prior claims have been handled by Equifax. The Consumer Financial Protection Bureau ( CFPB ) has recently taken action against both Equifax and XXXX for failing to properly investigate consumer disputes in compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ). The information regarding this XXXX XXXX account is incorrect, the balance information, remarks on the account, and other personal information is incorrect. I am requesting for this charge off account to be deleted and removed from my credit report. 

According to the CFPB, Equifax has ignored consumer-submitted documents and evidence, improperly reinstated inaccuracies, sent contradictory letters about investigations, and utilized flawed software that led to inaccurate credit scores. Additionally, XXXX has been cited for conducting sham investigations that fail to properly address consumer disputes and for improperly reinserting inaccurate information into consumer reports. These systemic failures raise significant concerns about the integrity of your dispute resolution processes. 

My previous disputes were ignored or improperly addressed, as evident from the continued presence of inaccurate information on my credit report. I provided supporting documentation, yet Equifax failed to resolve these disputes as required by law. The CFPB findings further confirm that such mishandling is part of a broader pattern of noncompliance. 

The FCRA mandates that consumer reporting agencies take specific steps to ensure disputes are investigated thoroughly and accurately. I am now requesting a full reinvestigation of my disputes and immediate correction or removal of inaccurate and unverifiable information. To assist with this process, I am including the following documentation : credit report prior disputes made that were denied/dismissed and not investigated properly I expect Equifax to XXXX with the law and provide me with a detailed explanation of the steps taken during this reinvestigation, as well as confirmation of the corrections made. Failure to address these issues adequately will leave me with no choice but to file a formal complaint with the CFPB and other regulatory bodies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days as required by law. 

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

I am writing to formally dispute XXXX XXXX an inaccuracy on my credit report regarding the payment history and payment status for the account referenced above. According to my records, the information reported by [ Creditors Name ] is incorrect and violates the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report be accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # JPMCB has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose *Please remove all late payments associated with this account and turn them current.

The dates of the late payments I need removed are : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letter after certified letter to XXXX  as well as the other credit reporting agencies regarding accounts in error on my report. XXXX  originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " Transworld Systems '' as  I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked Transworld where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.
Product: Money transfer, virtual currency, or money service

I was doing transaction via XXXX XXXX and the buyer send me email which looked like email from Zelle that transfer {$450.00} from buyer cant be processed because of the limit in my Zelle profile. I am not familiar with Zelle transactions. Email said the buyer has to send another {$450.00} which needs to be refunded by me right away to clear the transfer. Soon after I received another email from apparent Zelle about another payment {$450.00} which needs to be refunded right away to clear full transfer of {$900.00}. Person on XXXX provided me with her Zelle account for refund transfer. I did refund transfer of {$450.00} and received another email from fake Zelle that I have to do another refund to receive my money. Thats when I realized I was scammed and called my bank XXXX where I have checking account hooked with Zelle. Customer Service told me nothing they can do because Zelle doing payments to authorized and familiar individuals. Zelle customer service is not answering. Please be aware and vigilant
Product: Mortgage

I got on behind in payments in XX/XX/2017. I am being charged all kind of fees and i dont know what they are for.They say they have a 3rd party coming to the house every month to see if i am living here. There is a {$15.00} fee for that. I have no proof they were here. And they wont tell me who it is. I signed a paper to have payments owed to be added on to my loan. I was to start out fresh in XX/XX/XXXX. Now they are adding on late charges and fees again. I havent been late. They keep telling me they will check it out but I never hear from them all they do is lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. BEST EGG XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Product: Credit reporting or other personal consumer reports

Received mail from XXXX XXXX XXXX XXXX XXXX  Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL XXXX MAJOR CREDIT REPORTS
Product: Credit card or prepaid card

I obtained a credit card. The company reduce the credit limit without an explanation from {$9000.00} to {$6900.00}. The credit limit was reduced a 2nd time from {$6900.00} to {$1700.00}. I reached out to the company who states I am a risk. I demanded an explanation. The male stated that they did not have to get me a reason. The credit limit reduction affect our credit and looks as if we spending all the funds on the credit card. 

During COVID, I apply for payment relief due to my husband 's reduced hours. Wells Fargo stated assessing late payment during the payment delay process. I called and a female stated they would research and return my call. I never receive a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/18! I received an updated transunion credit report. The account XXXX is still reporting as an adverse account. They did not fix it. I spoke with XXXX a few times in regards to this and was told this account will be moved to accounts that are satisfactory. This account was never paid late.
Product: Checking or savings account

in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance
Product: Credit reporting or other personal consumer reports

I woke up to multiple soft pulls that were unauthorized and fraudulent despite having a fraud alert set! I attempted to find information to dispute these online, and was told to go call customer service. The customer service will not allow you to speak to a human being and refers you online. Not only that, but requiring membership for full credit freeze is beyond predatory after we've already taken preventative measures.
Product: Debt collection

The debt came from XXXX for my parents home on an insurance claim they were dealing with. This was entirely for my parents. I contacted the company gave them all my parents information. They could not get the communication they wanted to they proceeded to send the fee to collections in my name. The collection company was aware the debt was for my parent and refused to take it off my credit for 30 days after I pay the balance. This is not my debt. I did not request the service. I was advised by the debt collectors to file a police report. 

I have attached screenshots with the company which my mother is in the group chats. Shes also the homeowner.
Product: Credit reporting or other personal consumer reports

I found several inaccuracies. The 3 credit bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$70000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

XX/XX/year> - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the XXXX
Product: Checking or savings account

I have an excellent credit rating and I have never overdrawn any checking or savings account. 

Around XXXXXXXX XXXX I received a letter via US Mail from Citibank about verifying some information about my account. I was not able to determine whether Citibank was truly the sender of that letter. 

I had a meeting with a Citibank representative at a nearby Citibank branch office. That representative told me that the letter was from Citibank. During that office visit I had a call to the Citibank phone number in that letter. 

The man I called didnt seem well prepared for my call. I answered his questions. There didnt seem to be any problems with my account. 

On XX/XX/year> I received an email from Citibank asking for information about my employment and wealth. I didnt save a copy of my response. My response gave the name of my employer and the amount of income from my work last year and indicated that I work part time and my income isnt steady. 

On XX/XX/year> I received another email from Citibank asking some of the questions that I had previously answered. I updated the Citibank website with information about my employment. I told Citibank that I had provided info on their website. I told Citibank that I didnt want any more questions. I asked Citibank whether I should close my account. 

On XX/XX/year> I received a third email from Citibank asking questions about my employment and income. It didnt seem like Cibank had thoroughly read my response. It wasnt clear whether they wanted my total income or my income from employment. Citibank repeated questions about my wealth that I decline to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I DID NOT make and XXXX  is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to XXXX to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are AMEX : XX/XX/2019 XXXX/XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 XX/XX/2019