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

XX/XX/31 : contacted equifax about a hard inquiry that I didnt authorize from XXXX XXXXXXXX XXXX XXXX They told me to contact XXXX XXXX XXXXXXXX at the number on the credit report and when I did it constantly rang and was never answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why Experian is still in business. I have lost the purchase of an automobile last XXXX because No One could reach them by phone to remove credit freeze. I have filed complaints and have written letters to Experian sending them required documents to have freeze removed. They sent me a reply that said per your request we have extended your freeze another year. This made me very angry. They did opposite of what I asked
Product: Debt collection

Debt Validation Request Truist Bank Account XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 

XXXX. XXXX XXXX : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action. 

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

I was charged monthly fees when I shouldnt have been. The bank advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month., but instead the bank limited the types of eligible payments and didnt count debit transactions that were posted days later. I was also incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Product: Student loan

My Perkins loan ( under my maiden name XXXX XXXX ) just got moved to XXXX XXXX in XX/XX/XXXX. I am and have been a XXXX XXXX   XXXX since XX/XX/XXXX and my loan is supposed to be forgiven because of this. 

I have filed paperwork 4 times and made at least 3 phone calls to Heartland since XX/XX/XXXX. They always reject my paperwork and have made it impossible to get my cancellation and deferment. 

I continue to get bills and continue to file paperwork. Everytime I call and ask why I'm getting a bill they find some problem with my paperwork the previous person I spoke with did not tell me. 

I have a XXXX XXXX and am moving right now. I do not need bills coming that I do not have to pay. I'm holding up my end of the deal but XXXX XXXX is not. I never had this problem with my last loan servicer. I just want my loan to be forgiven as promised to me when I made the decision to accept it from the government. I never wanted to work with Heartland and would like this to end now.
Product: Vehicle loan or lease

I returned this vehicle and bought a new vehicle the same day. The dealership told me they would pay for final disposition fee. I was never late on his account ever! I have a perfect credit history and I just applied to refinance my mortgage and was made aware of this inaccurate information. I am outraged and humiliated! Also, how can an account go from paid as agreed to all of a sudden 60 days late?
Product: Credit card

I am writing to file a complaint regarding unfair charges and misleading terms associated with my Capital One SavorOne credit card. I applied for this card at the end of XXXX, motivated by multiple promotional emails from Capital One which highlighted benefits such as 15 months of 0 % APR and a {$200.00} reward. These features matched my needs, and the pre-approval process confirmed my eligibility with a {$3000.00} credit limit. 

However, 45 days after activating the card, I was unexpectedly charged {$30.00} in interest. Upon inquiring with Capital One 's customer service, I was informed that the terms and conditions of the offer had changed and that my situation did not qualify for the 0 % APR and {$200.00} reward. This information was reportedly mentioned in the joining letter via email, which I did not find clearly communicated. 

Despite my efforts to seek clarification and request the possibility to switch to another card, I have been unable to resolve this issue. This situation has left me feeling misled and unfairly treated, as I am now incurring interest charges and have not received the promised rewards. 

I am requesting the CFPB 's assistance in investigating this matter and advocating for a fair resolution. Specifically, I believe it is only fair to honor the promotional terms that influenced my decision to apply for this card. Additionally, I would appreciate any assistance in rectifying the current interest charges and ensuring that I receive the {$200.00} reward as initially promised. 

Thank you for your attention to this matter. I look forward to your assistance in achieving a prompt and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX XXXX. I have attempted to resolve this dispute directly with the credit reporting agencies but have not received a satisfactory resolution. The incorrect reporting is as follows : Account Information : Creditor : XXXX XXXX Account Number : XXXX Date ( s ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX Balance : {$690.00} Past Due Amount : {$110.00} Legal Background : As referenced in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are obligated to conduct a thorough investigation of disputed information. The court ruled that relying solely on automated systems to verify disputed information is not sufficient under the Fair Credit Reporting Act ( FCRA ). My right to accurate and fair reporting has been compromised due to the mishandling of my account information. 

Action Requested : I request that the CFPB initiate an investigation into this matter and compel both the credit reporting agencies and XXXX XXXX to provide : Internal Records and Documentation : Documentation proving that these late payments were accurately reported. 
Investigation into Reporting Practices : Confirmation that XXXX XXXX standards were adhered to when reporting this account, and that the reporting agencies conducted a thorough investigation into my dispute as required by law. 
The continued reporting of inaccurate late payments has negatively impacted my financial well-being. If the credit reporting agencies and XXXX XXXX  can not verify the accuracy of the information, I request the immediate removal of these inaccurate late payment entries from my credit report. 

I look forward to the CFPBs assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with Equifax, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX Equifax took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) NHCASH.COM is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

XXXX ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. XXXX and Equifax has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.
Product: Debt collection

National Credit Systems has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I was sent an itemized breakdown of charges owed to an apartment complex, but no consumer contract with my signature on it. THOSE CHARGES HAVE BEEN PAID TO THE COMPLEX!

And furthermore, were there any charges remaining after the fact, I owe NOTHING to National Credit Systems. My lease contract contained an Arbitration Clause, that the complex is in breach of by sending this account to collections.
Product: Debt collection

I received a wage garnishment for   XXXX   XXXX     XXXX   using my SS # and my address. I have no idea who this person is. I contacted the collection agency and they could n't give me any details, other than I need to file a dispute but my wages could get garnished and then refunded if my dispute is deemed credible. I have submitted a dispute to the dept of education on their website but I have no idea how long this will take. I ca n't get any information about this   XXXX   XXXX   XXXX   XXXX    loan documentation. I do n't even know what to do next! Help!
Product: Prepaid card

I had a federal XXXX mthly check deposited. then it was fraudulently taken out in XXXX florida on the XX/XX/2017 around XXXX eastern to XXXX eastern time now direct express will not give me my provisional money or answers as to why their customer service is terrible and lack of fax number for expedited letters and lack of communication i am out my monthly check and am being evicted out of my residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX and equifax credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.
Product: Debt collection

I was contacted by Kingston Data and Credit. When they called they did not disclose they were recording me, they didnt state the mini Miranda and they didnt even provide my balance. All of which are not in compliance with the FDCPA. Also they said they would send a copy of the original contract to me and then called me back and left a voicemail stating that they dont have a copy of that and I would need to contact the creditor directly. This was for an anytime fitness membership that I cancelled in the middle of the pandemic when the gyms were closed. Anytime assured me they cancelled my membership then turned around and put my account in a freeze instead which was deceptive.
Product: Credit reporting or other personal consumer reports

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX Please remove the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX XXXX. I have a reverse mortgage I am XXXX years old in XXXX XXXX. 
Longbridge my mortgage holder for the reverse mortgage I have. 
Threatens to call my mortgage for flood insurance. 
I put on insurance on the amount to cover what is owed. 
They want what the property value is. I put down half so I can live out my final years Iin peace. 
Have not gotten that from them. 
They threaten to call the note and or force plCe. 
It is {$500.00} a month for the insurance and {$500.00} and going up for taxes. 
My understanding is you only can require what is owed the lending institution helo me please.
Product: Credit reporting or other personal consumer reports

This is my SECOND DISPUTEregarding the reporting XXXX XXXX XXXX. 

I am disputing again : XXXX XXXX - # XXXX with a inaccurate balance reporting {$43000.00}. 
Correct the balance on this account or DELETE the entire account from my credit report immediately. 

My question is how can there be a balance for {$43000.00} on an account that has a credit limit of {$5000.00}? 
Equifax XXXX XXXX XXXX should implement reasonable internal controls to prevent the inclusion of facially false information.
Product: Checking or savings account

X/XX/2017 XXXX XXXX XXXX placed a credit of {$950.00} into my BBVA Compass checking account ( which I requested to be closed 3 or more times prior to this incident ) .The same day they tried to withdraw their funds back, but the bank refused because my account was in a negative state, I then accrued a credit reversal fee. I assumed XXXX received their money back. On X/XX/2017 XXXX received a refusal letter. I received an email from the HR Department at XXXX X/X/2017 stating that I had to start a repayment plan with them due to the bank refusing to give them the funds back, I became very irate at that time because I 'm a single mother of XXXX ( XXXX ) and ca n't afford the garnishment. I spoke to everyone at BBVA from customer support to the dispute specialist and authorized them to speak with XXXX XXXX ( HR Supervisor at XXXX ). I went back and forth with them and ALL of them refused to release the funds back to XXXX, it even got to the point where I used profane language and a rep laughed at me then hung up after leaving me on hold for over 5 minutes. I received an email from XXXX, stating they are still refusing to speak with her and she really needed to start the deductions from my pay check. On X/XX/17 I was terminated from my job with this situation as a key contribution to the decision they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investing this matter to ensure my rights are upheld. Thank You.
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. XXXX XXXX XXXX XXXX, Discover 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 information is inaccurate.
Product: Mortgage

Below is what I sent to Selene Finance : On the purchase of my investment property, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, my loan originated by XXXX closed in XX/XX/XXXX- As you know, Selene Finance purchased the mortgage loan and/or servicing rights from XXXX Mortgage in XX/XX/XXXX - XXXX taxes to the city of XXXX XXXX were due on XX/XX/XXXX which Selene never paid, even though it was required by both law and the loan documents for an escrowed loan. As you are also aware, I was unaware of that until applying for a Certificate of Occupancy in early XX/XX/XXXX - In order to complete the CO process, I had to pay the taxes myself ( copy of payment attached - reference payment on XX/XX/XXXX ) and expected a reimbursement from Selene Finance while you figured out why you made this error - For over a month I have spoken to a number of customer services reps and team members in your tax department and continually get a run around. Your responsiveness and customer service is clearly failing the baseline requirements of TILA, RESPA, state law, and the XXXX UDAAP requirements. 
- You told me that according to RESPA that Selene wouldn't have been able to pay the XXXX taxes as there is a 60 day review process and that XXXX would be responsible for that, which my lawyer said is not correct in the first place and additionally at this point it's been well over 60 days - However, you also said that you'd work to get me reimbursed and then contend with XXXX on the other end of the corporate dispute. 
- It's been over a week and still no resolution has been made. And this is after months of disputing this issue with Selene.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

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 EQUIFAX XXXX | XX/XX/XXXXXXXX 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
Product: Payday loan, title loan, or personal loan

I sent many emails to Mobiloans trying. I tried setting up a payment plan on the principal only of the {$2100.00} loan taken. They were unwilling to work with me on any payments. They called my home, cell and work day in and day out, even after I requested written correspondence only. Once I found out and notified them that they illegally operated in the state of Washington and that all interest under XXXX must be refunded they stopped contacting. but they have continued to put on my credit report causing serious damage to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information of Bankruptcy on Experian report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquires on my credit report that I did not authorize and am listing them as follows : 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. These companies were not authorize nor was I extended any credit for these inquires.