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

To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the 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, mail, or email in a fraudulent account. I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively 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 account ( s ) listed below. I demand that the following account ( s ) be verified or removed immediately : 1 ) XXXX XXXX Account number - XXXX Account status - Open Date opened- XX/XX/2022 XXXX ) XXXX XXXX XXXX  Account number - XXXX Date opened- XX/XX/2022 I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank You
Product: Payday loan, title loan, or personal loan

XXXXXXXXXXXX said my score has to be above 580 with XXXX and 4 trades line my score is way above that with way more than 4 trades line decline my loan for no reason so if my attorney file a complaint they will have decline same credit tier remember XXXX was sued b/c of discrimination for 100 millions of dollar!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX  inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX  and the inquiry on XX/XX/2020 is mine and it was verify. 
the XXXX and dervese inquiry is not mine. please remove
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to 360 high yield interest savings account. Capital One misrepresentative the 360 Savings account as having one of the nations highest interest rate, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for 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: Credit reporting, credit repair services, or other personal consumer reports

Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response.

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have spent a lot of money on postal services and printing services to send these companies information required. I have disputed accounts and that are not mines I have provided police report stating I am a victim of identity theft I have also filed a fraud report with the postal service. Nothing has been done they keep allowing my information to be opened and have refused numerous times to block out these fraud accounts.
Product: Payday loan, title loan, or personal loan

As of XX/XX/XXXX I contracted a loan with One Main Financial Company in addition to the loan I was offered an additional product - Involuntary Unemployment Insurance I agreed to additionally protect my future payments against involuntary unemployment. As of XX/XX/XXXX I was unfortunately laid off by my company. I wanted to utilize my insurance but I was denied my claim from insurance company. XXXX XXXX XXXX through One Main Financial informed me that I am not eligible for this coverage. They pointed out I should have been insured as of XX/XX/XXXX ( a year before I contracted a loan to be eligible ). An agent of One Main Financial, who sold me the loan and this faulty insurance product, did not inform me about this alleged provision. I consider the whole situation as deeply unfair and I feel deceived by the One Main Financial and the XXXX XXXX XXXX. I was paying insurance premiums throughout my whole employment period hoping that in case anything happens to my employment I will be able to utilize the insurance policy and insurance company will take over installment payments.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). 
Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I moved to apartment and they have tied up with XXXX XXXX XXXXthey send me some email to pay money and when I was trying to pay amount, I dont know how this card applied through me. 
Then in mid XXXX I got call from XXXX XXXX XXXX customer support they state like somebody did XXXX usd traction from my account.i informed them that was not me because till that time I didnt get XXXX card so I requested them to close my account. 
They reported to their fraud department and assured me your account is closed. 
But after that I received XXXX card so I thought it closed so I though and I never used But they never closed my account and still somebody using my XXXX  account behalf of me. 
I tried calling them lots of time but still my account active and Im getting emails and mails from XXXX  for paying amount which I didnt use.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX received a copy of my report, I have recently disputed XXXX XXXX XXXX through CFPB Acc number XXXX. XXXX deleted the inaccurate information on my report. Transition and XXXX is still reporting this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account {$1200.00} company First Fede, unknown, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) was removed from my account from XXXX. Please remove this information from my credit reports. The dispute results are attach to this email for your reference. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been ignoring my calls for a investigations into fraudulent accounts. 
Each tome i call they hang up and or tell me they cant find the documents i have submitted. 

Each time i file a CFPB complaint they reply with " this is not you ''
Product: Credit card

I had an account with XXXX. I noticed on my credit card recently that they had charged me again. I had n't received any notice from them that my card would be charged, that they were renewing ... 
I went to XXXX and cancelled my account. Then asked for a refund. 
They let me know that they do offer refunds. 
So, they do n't notify folks that their account will renew ... let their customers know they will be charging them. They email about just about everything, but not about charges on the account, not before, not after! 
I submitted a dispute with my credit card company, which was summarily denied. I submitted a followup ... no change.
Product: Credit card

I currently have a positive credit card balance of + {$5300.00} on a closed apple card account that I have been unsuccessfully trying to be refunded back to my bank account. I have called 4 times requesting for this balance to be refunded to my linked bank account ( XXXX  XXXX XXXX account ending in XXXX ) and every time the Apple Card team tells me they are have an ongoing ticket with their backend team to process it. 

My apple card account if the one associated with email XXXX XXXX
Product: Mortgage

I am being made to fund my monthly escrow more than double the amount what is owed in taxes. 
In 2018 I was charged over XXXXUSD per month and at the end of year sent a cheque of XXXX USD. 
I requested my mortgage service company and bank for a escrow recalculation and they adjusted my monthly escrow payment by XXXX USD which equates to only XXXX USD a year. 
Despite protesting multiple times and sharing the full property tax statements with them which they settled themselves their response has been completely dismissive and they continue to overcharge me for escrow well over what is required. 

Broadly the breakdown settlements being made from Escrow are as follows : Property Tax - XXXX USD MUD - XXXX LID - XXXX Insurance - XXXX Total - XXXX USD Whereas the annual collections are more than XXXX USD towards escrow which the bank is refusing to adjust despite having settled the taxes and seen the trend of expenditure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Product: Debt collection

A written request was made that you supply information and documentation to validate a debt. The request was sent via certified mail on XX/XX/2023 and XX/XX/2023. To date I have not received all the documents I requested. According to the Fair Debt Collection Practices Act, 15 U.S. Code 1692g - Validation of debts, the request must be provided within a 30 day period. AS of today XX/XX/2023 those documents have not been provided. The documents listed below were requested and not provided in the 30 day time frame or at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} XXXX U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference cfpb-XXXX, XXXX SLS states : Our records further reflect that the account has been reported current since service transferring to SLS and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

SLS refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. XXXX does not arbitrarily report an account as delinquent.
Product: Money transfer, virtual currency, or money service

I applied for Bill.com to get paid by one of my clients, and this became a nightmare. 

First, I set up everything and the bank info based on all the instructions that I GOT when using their dashboard. And when my client was about to pay, they said they got a notification saying that my account wasn't set up for 'e-payment ' so they couldn't pay. 

There wasn't any notification or whatever on my interface, so I had to reach out to their support to make sure my account was set up correctly. Then they told me that was because I was using a free account, I had to upgrade to a paid account blah blah blah. 
So I did, I reached out to support again and asked them to make sure my account was set up correctly. After going through some stuff they CONFIRMED everything was ALL SET. I told my client that they could proceed with paying. 

However, the next day after my client paid on their end, I got a message from Bill saying that they would not process my payment until I submitted the documents to verify my identification. 
By the time I got the message, I was already not able to access the docs they asked for. 
Because I was not in the US. 

I asked them what are the alternative way to verify they told me to 'submit all the docs that I got ' and then they would decide what's the next move. 

So I submitted the docs that are very private and sensitive, including my passport and my company documents, and then on that evening I got an email notification saying that my case was 'SOLVED ' and my account had been CANCELED. 

The funny thing is there was a button where I could click and see the message, but I COULDN'T. 
Because apparently they just deleted my account, and I can't even know why or what will happen with that payment. 

Horrible. 
My money just was held hostage and is now taken away. 

This is ridiculous that I had proactively asked you to confirm everything was all set and then you told me something was wrong after I made the move. 

If they need 'another level ' of verification, you should have shown that when the user sets up the account INITIALLY. 
But there wasn't any.
Product: Money transfer, virtual currency, or money service

I was rejected at the bank, because of others personal opinions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my child and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. 

I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! 

These inaccurate reportings are hindering me being a mother and providing housing.
Product: Checking or savings account

I could have money in my account, and Navy federal charges me although Im enrolled in the oops program
Product: Mortgage

Amerihome, my previous mortgage servicer ( owned by XXXX ) sold my mortgage servicing to XXXX Mortgage Services. XXXX lost a class action lawsuit earlier this year against 30 States. It is completely unethical to make this decision, and reflects extremely poorly on both institutions, the bank ( XXXX XXXX XXXX ), and its investors. 

Additionally, I do not wish to have my mortgage serviced by a company that has lost a lawsuit on such a scale. I have no trust in them.
Product: Debt collection

My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at first I was in legal trouble. It come to find out the Cash Store contacted a collection agency called XXXX XXXX XXXX at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every XXXX weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.
Product: Credit reporting or other personal consumer reports

I have had XXXX XXXX XXXX since XXXX, I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, 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 they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed
Product: Credit reporting or other personal consumer reports

I have been in contact with Equifax for the past month attempting to unlock my credit report. I was instructed to send my SS #, drivers license and a cover letter to them via certified mail, in order for them to unlock my account in 5 business days. Certified mail posted that the documents had been delivered on XX/XX/year>. Today XX/XX/year> I contacted Equifax again because my account is still locked and I was told they had no record of my documents being received and to continue waiting. Not only is this causing a hardship in my life by not being able to secure a mortgage due to their lock on my account ( which I was never notified about ) but now it seems they have misplaced my sensitive documents including a picture ID as well as a picture of my Social Security number.
Product: Debt collection

There is an old Capital One account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of 2017, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is XXXX XXXX, they're reporting this debt to XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these inquiries are not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XX/XX/XXXX/2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.