23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2019 my mortgage loan was sold and transferred from XXXX XXXX XXXX to Loancare LLC. I did not recieve a new loan number until on or about XX/XX/2019. At which time I mailed in my monthly payment because if i tried to make an online payment or a payment over the phone i would have incurred additional fees. As of XX/XX/2019 my mortgage is now being recorded by loancare llc as 30 days late. I was also told by XXXX XXXX   that for the first two months of the transaction process I would not incur any late fees. However to my frustration the first bill i got from loancare llc not only was i charged the {$18.00} late fee but an additional {$410.00}. I have tried to reach loancare via their customer service line XXXX only to repeatedly get put on hold at times for over an hour. After which i elected to have them call me back with the next available service rep. That was on XX/XX/XXXX about XXXX XXXX   and to this date i have not recieved a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a formal notice that the Credit Bureaus have failed to respond in a timely manner to my dispute letter. I previously sent a letter addressed to the Credit Bureaus requesting that they correct the information being reported to my Credit File. And on XX/XX/2022 I sent another letter wondering why did the Credit Bureaus haven't yet responded to the prior letter I sent. The Credit Bureaus informed me to contact the creditors and I have done so. According to FDCPA 809b the Credit Bureaus are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete them now : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} 2. XXXX/DOFED XXXX Balance Owed : {$1300.00} 3. XXXX/DOFED XXXX Balance Owed : {$4000.00} 4. XXXX/DOFED XXXX Balance Owed : {$8600.00} 5. XXXX XXXX XXXX Balance Owed : {$0.00} 6. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX XXXX Balance Owed : {$0.00} 9. XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

On XX/XX/XXXX, a merchant charged me {$260.00} and on XX/XX/XXXX, the merchant refunded {$230.00} from the initial transaction. However, Capital One, credit card issuer requires me to make payment of the full amount {$260.00} ( including {$230.00} that was refunded by the merchant ) before XX/XX/XXXX to avoid interest to be charged.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the relentless attempts to remove the charge off account from my credit report. Despite several communications and efforts on my part to rectify the situation, the issue persists unresolved. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt resolution. 

I first became aware of the erroneous charge off account listed on my credit report. Subsequently, I diligently followed the proper procedures outlined by [ creditor/bank name ] to dispute and rectify the inaccurate information. However, despite providing all necessary documentation and evidence to support my case, the charge off account remains on my credit report. 

Furthermore, I have contacted your customer service department multiple times, spending significant time and effort to resolve this matter. Regrettably, each interaction has been met with promises of investigation and resolution, yet no tangible progress has been made. 

As a responsible consumer, I take great care in managing my finances and maintaining an accurate credit history. The presence of this erroneous charge off account not only tarnishes my creditworthiness but also undermines my efforts to secure favorable financial opportunities. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The removal of the charge off account from my credit report. 
Confirmation of the removal in writing, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, any adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to remove this account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Inaccurate balances on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a vehicle from   XXXX   XXXX   hyundai in  XXXX  of   XXXX   on or shortly after the  XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the  XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance  App )  both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given  ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with  XXXX   XXXX  after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of  XXXX  hyundai who took over from  XXXX   XXXX  and lastly just yesterday service was told that the oil change was not covered with being told by finance rep  XXXX   XXXX  that I was only covered for  24,000  miles  ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Attention : Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXXXXXX  Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX  XXXX  on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax
Product: Credit card or prepaid card

Im having an extremely tough time reaching someone in the claims department. Ive called every single day for the past 10 days to no avail including today. Each time Ive stayed on hold at lease an hour and no one ever comes to the line. Finally today I thought someone was coming to the line after holding and hour and 10 minutes but instead it was a message saying sorry we cant take your call. Ive asked for a supervisor several times and is just told they will put me in the que for a call back. This never happens. I purchased a projector and screen from a XXXX ad I saw. As soon as I clicked purchase and was charged {$170.00} I received a confirmation email from a totally different company from the one I ordered from. When I saw the email I immediately started searching for that company and found no info. I emailed them back 4 times asking for a refund and Im not getting any response. They dont hve any phone number listed. They sent me a tracking number around 10 days ago and to this day it says that number is not valid. I just want my money back. Since I cant get through to that company Ive been trying to dispute with Bank of America prepaid card from XXXX. I cant get them to answer. Every representative including today someone name XXXX said there is nothing I can do but talk to claims. Its insane that I cant even get someone on the phone in almost two weeks. We are going through a pandemic and many of us count every penny and I have been scammed out of my money and cant even get a bank rep on the phone. I thought this money was federally insured. Im distraught at this point and dont know what to do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I sent the amount of {$95.00} usd to a family member internationally to XXXX using maxi transfers through a company by the name of XXXX XXXX. As I've called countless times to check on the status of the transfer being as my recipient has to this day not yet received the money, have received no help from the company. So today I finally get through to customer service and i am told after giving information about the transaction that XXXX rejected the transfer due to the account not being able to receive international transactions at the time. So I kindly asked for assistance with getting a refund and was transferred to a customer service representative by the name of XXXX and after I provided her with the Confirmation number to the transaction was somehow disconnected. So I am now taking the necessary action of submitting this complaint. All I want is my refund for the money that was sent and never received please and thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.14XXXX ( b ) ( XXXX ).
Product: Checking or savings account

I opened a 360 Savings account with Capitol One in XXXX. I made several transfers from my personal checking account with XXXX XXXX to my Capitol One XXXX. In XX/XX/XXXX my XXXX account was closed with no reason given. I called Capitol One on XX/XX/XXXX and was told that a check refunding my full account balance was mailed to my address. I advised I had not received a check. The agent verified my mailing address and said he would open a claim to issue me a new check. I called Capitol One on XX/XX/XXXX to advise I still had not received a check to return my money. The Capitol One agent advised me that a check was not issued but an electronic transfer was sent to the originating bank XXXX XXXX. I advised the agent that the money had not been returned to my account. She stated I would need to call XXXX XXXX. I spoke to XXXX XXXX who stated no money had been sent from Capitol One. I called Capitol One back and was advised that my funds were on hold for investigation. They refused to return my money or tell me what information they needed to as part of the investigation. They refused to call XXXX XXXX to verify my account. Capitol One has no seized my money for almost 60 days refusing to return my funds or tell me why they are investigating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

All Medical bills are the responsibly of XXXX do to a court order Protection From Abuse Order. He is responsible for all Medical bills past or present and any Damages to my credit report and score
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX. XXXX, 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 an 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my TransUnion credit report dated XXXX XXXX, 2018 and discovered a fraudulent hard inquiry from " XXXX  '' dated XXXX, 2018 which I never authorized. I do not currently have service nor have I applied for new service with XXXX. 

I contacted XXXX via phone numerous times and also sent them a letter via certified mail requesting them to remove the unauthorized inquiry from my credit report or provide proof of authorization, neither has been done to date. 

I have also sent multiple request to TransUnion via both phone conversation and fax concerning this fraudulent inquiry on my credit report and nothing has been done. I just keep getting the run around. 

As a precaution I placed a 90 day fraud alert on my credit with all three credit agencies in case this has been a case of identity theft. 

Can you please help me with this matter
Product: Credit reporting or other personal consumer reports

I suspect that fraud or identity theft has led to the addition of unauthorized accounts on my credit report. Please block and eliminate these fraudulent entries immediately.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention XXXX failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my attempts to dispute inaccurate and unverifiable information on my credit report, XXXX has failed to conduct a reasonable reinvestigation of the disputed items, leaving these errors unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, citing systemic issues including failure to : Forward consumer-provided evidence to furnishers, Address unreliable responses, and Notify consumers of dispute outcomes appropriately. These issues align closely with my personal experience. Despite providing sufficient evidence to support my disputes, XXXX has not corrected or removed the erroneous items. This negligence has caused harm to my credit standing and undermines my rights as a consumer under federal law. 
I respectfully request immediate corrective action, including the removal or amendment of the disputed accounts. I believe Experians inaction represents a clear violation of federal law and requires intervention to ensure compliance.
Product: Credit card

BOA Visa Alaska Airline has been double charging my account when I log into my online account and manually pay toward my monthly autopay balance after which the full autopay balance is debited without a credit for the manual payment made before the monthly auto-pay date. That is the manual payment on their website says " Pay and Transfer '' rather than " Pay My Credit Card '' after which this payment was never credited to the balance due on my monthly bill. 
I called an agent at XXXX on XX/XX/XXXX who claimed that I was not double charged, but then offered to refund two transactions where these charges were not credited to my account. She claimed it could take up to 2 months for these funds to be deposited back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for several years tried to challenge this loan for discharge through the proper channels. I was sent the wrong forms by the phone team many times. Most recently I believe it is frozen for proper investigation? Can we confirm thos status please? Also there is incorrect negative credit reporting on all 3 bureaus ; XXXX, XXXX  and XXXX  that show I have missed, late payments from the aforementioned issue. I was told the credit report is showing for XX/XX/XXXX a 90 to 119 days late. This is hurting me and keeping me from getting a job. Please update this immediately. Also, the below XXXXXX/XX/XXXX rep and office, as well as the Maryland attorney generals office volunteers emphasized they do not like handling ny complaints in good faith. They obstruct my legal rights. You will see a culmination of phone team abuses, phone team social justice warrioring and an overall distain for me having a credit score with purchasing power. All of this destroyed by bratty phone reps and complex tech errors. Please handle each complaint without profiling the number of complaints. Please consider legislation the allows transparency and immediate receipts from each business phone transaction. The individual needs to be able to wire tap business transactions for accountibility if not. All problems since XX/XX/XXXX stem from kids not liking my tone then sarcasticly transferring me in circles messing up ny accounts. I left a clear record timecapsuled for all agencies how social justice warriors in the phone illegally sabotaged my american dream. Please correct these scams. I give up and will not have children here or participate sincerely in business until fixed.
Product: Debt collection

This is the third complaint against Ally financial they most recently unlawfully repossessed my vehicle, and evidence that I have shows that they were premeditated in doing this months before actually performing the repossession with clear intent to defraud me because once they took my vehicle, they still trying to collect a debt of nearly 3/4 of the debt, which was owed on the retail installment contract when I was in possession of the vehicle, and had made two separate payments to pay the vehicle in full, including the last payment, which was in the form of a check for which I received the check back with a clear indication that Ally financial had deposited the check into their account, and had received for credit prior to repossessing my vehicle
Product: Debt collection

This concerns case # XXXX and XXXX. On Friday, I received a letter from Pressler & Pressler requesting the court to direct an order for garnishee to pay over to Sheriff money for the debt I do not owe. I am at my last nerve. I do n't know what to do. I ca n't afford to hire an attorney, {$250.00}. just for consultation. I 'm scared to death of these people now. XXXX XXXX appeared to be cooperating, not these attorneys. I am enclosing their documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX/XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.