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

I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last XXXX years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus XXXX XXXX and equifax ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected
Product: Credit reporting

XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies XX/XX/1999 and have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, was properly investigation but how is that possible if the open dates is inaccurate, the last date active is inaccurate, the last reported is not accurate, Account numbers is inaccurate, last payments is inaccurate, time length inaccurate and the dispute status and credit remarks don't match. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a Account without my written instructions. 

I haven't given these Accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within XXXX days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a {$1200.00} payday loan. I agreed to repay the loan with auto draft payments of over {$300.00} to repay the loan plus some interest. I have attached a loan agreement of ridiculous interest charges that I mistakenly agreed to. I am making plans to payoff the loan in full. But, I attached the agreement for evidence. They should have consequences for such usury.
Product: Credit reporting

I have received the credit report from TransUnion on XXXX and I found I have a missed payment on a credit card of XXXX that has been already closed. I have neither opened it nor closed it and I have never missed payment in my history. I disputed this problem to the TransUnion about 20 days ago and received massage from them that it said they have already completed my dispute and made changes to my credit report, but I found it is no any changes on my credit report today. My credit score has been put down very low now. So I urge you to ask them to make real investigation of the dispute my recently submitted and give me a correct result. Thanks.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation 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 card or prepaid card

XXXX / Continental Finance has done the following : 1 ) After paying off my entire balance they added the Annual Fee charge of {$99.00} to my account and backdated it on my statement. 

2 ) They never sent statements for me to know that there was an additional costs. 

3 ) Then I called on XX/XX/XXXX and found out that I had a 30 day late via a credit alert 4 ) I called and asked them to remove the late fees since I didn't see a statement and I paid the balance off in XXXX, as well as they needed to remove the fees and the late payment. 

5 ) They removed both late fees but refused to remove the late fee caused by their negligence 6 ) XX/XX/XXXX I process a payment to pay off the account again and the payment is cancelled 7 ) I processed the payment again on XX/XX/XXXX and they still refused to honor their mistake
Product: Money transfer, virtual currency, or money service

I have been trying to get there answer to where my money has been placed. I received a {$1100.00} refund XX/XX/2023 from a vendor. Prior to receiving the email I told Paypal employees multiple times that I no longer have the original payment method ( because my XXXX XXXX account was closed ) but I was told that there is nothing that can be done and that my closed account will send me a check for the amount. The refund was issued but I never received a check for it. For months I have been trying to locate the funds but I can't seem to get an answer. Every time I contact Paypal they either say that they dont have the money, or hang up the phone whilst transferring me. This week they closed my Paypal account, which I am guessing is because they don't want me to have access to their customer service in hopes that I " forget '' about my disappeared money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them removed.
Product: Student loan

On XX/XX/XXXX, I requested a refund from Mohela federal loan servicer to the amount of {$50000.00} for student loan payments I made during the COVID forbearance period. I was informed that it would take up to XXXX business days for me to receive a refund by mail. Today it is XX/XX/XXXX and still have not received my refund. I have called Mohelas customer advocacy department and have spoken to numerous supervisors to get an update on my refund. After spending at least XXXX hours of my life waiting to speak or actually talk to a representative all I was told is that my request was approved and is pending payment from the US Department of Treasury. The refund that I had requested has already been put back into my total student loan balance which is slightly north of XXXX XXXX We are approaching XXXX  months since I have made the initial request and Mohela has no answers and my refund is still pending. What is happening is illegal and is the equivalence to a federal offense. I do not have anyone to turn to for answers leaving me feeling helpless, violated and lied to the highest degree. It is irresponsible and incomprehensible that such a large loan servicer does not have answers and do not have the ability to ask the US Department of Treasury with the status of my refund. In any scenario, this situation would be seen as federal crime but in my case its only be treated as a wait and see case which is absolutely not acceptable. At this point, no middle class person in the situation that I am in would continue to wait around any longer hoping and waiting for the day their check miraculously appears in their mailbox. This situation needs requires immediate answers and accountability needs to be taken for the handling of this disastrous situation.
Product: Checking or savings account

Transaction Alerts : Charges placed on your XXXX {$2100.00} on XXXX customer care to cancel XXXX ignore if you acknowledge thank you. 

The above message was sent as a text message from ( XXXX ) XXXX. I could tell by the XXXX  of the message that it was NOT from Bank of America as it suggests. 

I called the XXXX number just to mess with them, as I do not have a Bank of America account. I asked where the call center was and XXXX said XXXX XXXX. The text message has an XXXX  area code. 

These people are phishing and need to be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my information : XXXX XXXX XXXX. Why is this still reported?
Product: Mortgage

Targeting and Discrimination : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I know you don't regulate the banks, but UDAAP and The Fair Housing Act ( FHAct ), which is title VIII of the Civil Rights Act of 1968, as amended ( 42 USC 3601 et seq . ), makes it unlawful for any lender to discriminate in its housing-related lending activities against any person because of race, color, religion, national origin, sex, handicap, or familial status.

Anyone who is in the business of providing housing-related loans is subject to the FHAct ( as well as the Equal Credit Opportunity Act ) has been violated. Please speak with the FTC.
Product: Credit reporting or other personal consumer reports

I am very concerned about the lack of responsibility in addressing the inaccuracies on my account. When will XXXX correct the incorrect information on these accounts that are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please stop delaying and correct the accounts immediately : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Provide me with the names and addresses of the individuals contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receiving this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Debt collection

After my roommate at XXXXXXXX XXXX XXXXXXXX XXXX  in XXXX, XXXX  created a request to remove me from the lease and live there alone, I responded with my signature and date of moving out, and proceeded to move out of the apartment. After leaving town and arriving in XXXX, I was told over the phone that I was still liable for the lease since the office 's printer wasn't working at the time of my ( former ) roommate 's request to remove me from the lease. Thus, they did not get a signature at the time the request was initiated in their system. Not sure how one can respond and sign off of a removal request that wasn't verified with a signature at the time of the initiating party 's request. If your printer isn't working, there are plenty of e-signature options to compensate for your equipment failure... they were simply lazy, irresponsible, and refused to take any accountability subsequently. XXXX 's employees and property assistants knew that the situation was unjust and voiced such opinions to me in my many attempts to fix the outcome. 

After getting this news, I returned to town to sort this out. I then learned that my former roommate decided to break the lease instead of staying there as they had originally planned. When I visited the leasing office, I had to request permission to enter the apartment and any facilities, and was to return my key after I was done with my visit even though I was " still on the lease. '' I am now in collections for a 2 months penalty for " breaking the lease, '' even though I never signed ANYTHING to break a lease. The only legal document I signed and dated was a roommate removal request, which I completed as the respondent. They then filled the apartment with new tenants the same month. 

Unethical, unknowledgeable, opaque, rude, ignorant ... words can not describe how unreasonably bad of an experience I had with this apartment community management led by XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX. 

My unreasonable debt that has been wrongly passed on to XXXX - XXXXXXXX XXXX XXXX XXXX who harasses me by mail on a weekly basis via phone calls, voicemails, mail. I have asked for no further contact on multiple occasions and blocked multiple phone lines of theirs. My request is continuously ignored and I am still getting calls roughly every other day
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX 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

I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a business account with Navy Federal, I did a business sale transaction on a investment property. The funds were being deposited in my business account. I received the check from the buyer which was sent from XXXX XXXX partnering with XXXX XXXX. Once I received the check, I took it to Navy Federal and deposited it into my business account. The check was for the amount of {$140000.00}. The transaction got canceled on the buyers end and the temporary credit in my business account was reversed. Navy Federal froze my accounts stating fraud even know I told them the transaction was canceled. No funds were withdrawn and the {$140000.00} check never cleared my account. Navy federal has sense froze all my accounts and closed my business account because of this transaction. This transaction cancellation was not my action. The buyer had to cancel for their own reasons and that was explained to Navy Federal. Navy Federal took extreme measures and froze my accounts even though I have an appeal pending with the fraud team. Navy Federal never called me about this, they sent me an email saying my accounts were restricted. This will cause a financial strain on me as my VA tuition money and my retirement pay allotment gets deposited in these accounts as well as trying to reestablish a business account is a big inconvenience. I feel Navy Federal discriminate against minorities and they go to extreme measures. The check was written by a financial institute, so they had to verify funds before they sent the check. The check did not clear because the sale transaction was cancelled. I don't understand how that equals fraud and extreme measures without contacting me. Very unprofessional.
Product: Credit card or prepaid card

Hi I am reaching out to you to get Capital One to take incorrect payments off My credit report that i have recently seen. I believe capital one is not taking my consumer rights seriously and keeps giving me the run around and playing with words in order not to help me. These payments were not late to any doing of my own.I called on capital throughout a dire time of need, Because of hurricane XXXX Damaging my property and home i let them know that I needed help in advance with my payment dates and capitalone agreed to postpone/pause my credit card payments and gave me a date and the associate that helped me assured me they would shcedule my automated payments to continue and turned out not to be true for payments XX/XX/XXXX and XX/XX/XXXX on account. I've been with capital one for over 20 years as they can tell you before this misinformation by the capital one employee which they are trying not to own up to I had an excellent payment history over the course of this time except for XX/XX/XXXX when interest adjustments didn't reflect my automated minimal balance by capital one which was my first discrepancy and had no idea about this until i capital one sent me a email which i thought was a scam stating i missed my minimum payment in which i had just seen come out of my bank which also spoke to them about and still no resolution.
Product: Checking or savings account

I opened my checking and savings accounts with Citibank on XX/XX/XXXX, signing up to receive a bonus of {$400.00} if {$15000.00} in funds are deposited in the account. I have confirmed with Citibank customer service multiple times that the bonus was attached to my account. The bonus was supposed to post to my account within 90 days after requirements are met. I deposited the full amount of {$15000.00} on XX/XX/XXXX, and to this date ( XX/XX/XXXX ) over 180 days later I still have not received the bonus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law.

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above. 

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I ordered a emergency wire transfer this morning at XXXX XXXX  and it never went through. It is now XXXX. The customer service agent is not doing the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus Experian, XXXX, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. Below I attach the letters sent to the bureaus. 
The company response was that they needed to verify my personal information, I sent all the documents to verify.