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

Despite providing documented proof of fraudulent credit card accounts on my credit report, including police reports and relevant correspondence, the credit bureaus has failed to remove these inaccuracies as required under the Fair Credit Reporting Act. I provided documentation proving that this account was fraudulently opened, yet XXXX XXXX and Indigo Bank has failed to remove it from my record. As an XXXX XXXX member, this neglect violates protections under the Servicemembers Civil Relief Act ( SCRA ). I request immediate action to remove these accounts. I have not only provided the required reports for removal I have also been stationed in Texas for XXXX  years and was XXXX XXXX  XXXX XXXX for the XXXX year in XXXX! I serve this country with my life yet these companies have no issues making it abhorrently hard to remove information as the are required to do my law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXXXXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of an account which does not belong to me or was opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$9300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My Reports A mess and there credit companies say I owe them but I dont
Product: Credit reporting, credit repair services, or other personal consumer reports

I am truly disappointed with this company.. I called this morning, XX/XX/2022 at XXXX EST, to request a copy of my credit report and score. I spoke with a rep by the name of XXXX, they won't give you they're full name, to place the request. As I'm speaking with this rep, of course the normal way they send the report is via mail, however I asked if the report could be emailed. The rep said it could be requested for a charge of {$9.00}. I agreed to pay the charge to have my report sent immediately. The rep verified my email address, processed the charge and stated the report would be to my email address in about 5-10 minutes. Well its now been two hours since I spoke with this rep, no credit report has been received, so I called back and spoke " 4 '' different reps, including " 2 '' supposedly supervisors, but found out the report could not be emailed that I was provided incorrect information. I've had to request for the charge to be refunded and I will go online and request my report. This is unbelievable how much lack of responsibility for they're errors which is unacceptable, especially when they have access to our personal information that affects our lives. I no longer trust this bureau with my personal information and I am now concerned what will happen to my credit report from this bureau in the future. I also have to contact my financial institution to dispute this charge. There are also several negative complaints on XXXX about TransUnion.
Product: Credit reporting or other personal consumer reports

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. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Debt collection

I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by CAPITAL ONE and a balance of {$17000.00} Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed and I have tried to pay it off, but Barclay 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining my credit report.
Product: Checking or savings account

On XX/XX/XXXX I opened up an account using a promo code that would give me a bonus if I met criteria... The criteria was to have {$10000.00} deposited within the account within the first 90 days and maintain that balance the entire time for a following 45 days to receive your bonus. XX/XX/XXXX was the XXXX day after my XXXX day after opening the account. On XX/XX/XXXX I called the bank asking why I had not received my bonus yet, and if I had met all of the criteria to earn my bonus. 

The rep did some digging and found out that I had met the criteria and told me that I would be getting the bonus at the end of XXXX probably a payment would be credited by XX/XX/XXXX at the latest. 

The problem here is that I was told that I would be credited on the XXXX day after 90 days after opening the account, so m & t Bank is engaging in false advertisement again, as numerous banks do. 

The funds should be in my account now, but m & t Bank has lied so they can keep my money tied up longer than we agreed on contractually. 


Ref # XXXX- XXXX, XX/XX/XXXX starting at XXXX, XXXX minutes phone call recorded for quality purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to inquire as to why my credit card reporting status showed under adverse accounts on my TransUnion report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. XXXX would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency TransUnion. 
I filed a dispute with TransUnion because XXXX stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with TransUnion now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If XXXX did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.
Product: Credit card

I have two active credit cards with Capital One ( i ) Venture and ( ii ) Venture X. I realized I had just been charged for the annual fee of {$95.00} for the Venture card and the features of the Venture X and Venture are very similar therefore I wanted to downgrade the Venture card to one with no annual fee. 

Upon calling the customer service line, I explained this to the agent and that I was just charged an annual fee and since the two products are very similar, I would like to downgrade the Venture card to " Venture One '' I provided the agent consent to move forward with changing the product type to Venture One but upon completion of that processing, I inquired whether the Venture 's annual fee would be reversed given that was my primary concern. The agent said no and I asked to speak with a supervisor. The supervisor repeated the same thing and I had laid out that basically I paid for the annual fee without being able to use the same card. I was told that the product change to the " Venture One '' can not be reversed and annual fee can not be waived. I had asked if there was someone else I can speak to or if there are other Customer Loyalty or Retention matters that can be done and was provided a " no, I am highest level person you can speak to ''. 

As a consumer, I walked away from this call being worse off than had I not called. I am now paying {$95.00} in annual fee for a card I can not use or the benefits of the original Venture card. With other card issuers like XXXX XXXX with similar experience, they would be able to reverse the fee if I am no longer using it.
Product: Credit reporting or other personal consumer reports

PENTAGON FEDERAL CR UN Account type - Credit card Date opened - XX/XX/year> Address XXXX XXXX XXXX XXXX, VA XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all XXXX  credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 
Inaccurate names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, XXXX charged me {$89.00} arrive XX/XX/2021 to my Capital One XXXX # XXXX, UNAUTHORIZED by me. XXXX pre-charges and slammed my Capital One card # XXXX illegally without my authorization. I did not make the charge. Consumer Fraud by Capital One and XXXX. I did not receive any services from XXXX. On XX/XX/2021, I filed a dispute to Capital One and NEVER received any Capital One letters dated XX/XX/2021 and XX/XX/2021 and no merchant response letter of evidence from Capital One. The date and the charge are wrong for it never existed. I have no receipt for this charge for I did not make this charge EVER. Consumer Fraud by both Capital One and XXXX. Nothing delivered to me. Deceptive business practices by both XXXX and Capital One for STEALING my {$89.00} from me and charging me interest since XX/XX/2021. Capital One today refuses to send me the XX/XX/2021 and XX/XX/2021 letters=the letters don't exist. Consumer Fraud. Capital One failed to disclose proof of debt=there is no proof of debt for I did not make the charge. I was scammed by Capital One and XXXX. Capital One did not follow the charge back rules and laws defrauding me of my {$89.00} and scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Date Opened XX/XX/XXXX XXXX Owed {$8500.00}. 

XXXX XXXX, Date Opened XX/XX/XXXX the balance amount reporting is conflicting {$6000.00} vs {$4000.00}.
Product: Debt collection

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 NY XXXX Re : XXXX  of Credit Debt Claim - Case Number : XXXX Plaintiff : Capital One Defendant : XXXX XXXX and XXXX XXXX Dear XXXX XXXX XXXX Supreme Court Clerk Office I am writing to formally contest the validity of the debt you claim I owe, as referenced in your correspondence dated Capital One- Case Number : XXXX. I believe that there are inaccuracies in your account, and I would like to address them. 
First and foremost, I request that you provide me with a detailed breakdown of the alleged debt. According to the Fair Debt Collection Practices Act, I am entitled to request validation of the debt, including the original creditor 's name, the amount owed, and any associated account numbers. Please provide this information within the next 30 days to ensure clarity on this matter. Additionally, I would like to point out that my records indicate that the account in question may have discrepancies. Specifically, Account was opened XX/XX/XXXX, credit line authorized for XXXX, during this I have filled all obligations in maintaining agreement with Capital One SavorOne Card, I have attached all supporting documentation as payments made, through my parent account. I believe that these discrepancies could significantly alter the amount you claim I owe. 
Furthermore, I would like to highlight that I disputed the amount charged off was incorrect and payments were being made. Capital One chose to no longer accept payments in XX/XX/XXXX, when capital One closed the account without notice I owed at the time XXXX, the XXXX Capital One closed the account a XXXX dollar posted leaving a balance of XXXX dollar not XXXX, I had also set up monthly payments until the balance was resolved even though Capital One select and decide not to accept payments XX/XX/XXXX, this information is crucial for resolving this matter and ensuring that my credit report accurately reflects my financial history. Until this dispute is resolved and I receive the requested information, I ask that you cease all collection activities related to this account. Failure to do so may result in a formal complaint being filed with the Consumer Financial Protection Bureau.

I also have video from my security camera showing a process server coming and leaving paperwork and than coming back 2 hours later and removing the paperwork it wasn't until I went to three different courts to find out this law firm filed a suit against me without serving me paperwork Thank you for your attention to this matter. I look forward to your prompt response and to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2023, I was force-issued a one-year HO6 policy from Specialized Loan Servicing with a premium of {$1200.00}. I received a letter ( dated XX/XX/XXXX ) around XX/XX/XXXX about this purchase. 

On XX/XX/2023, Specialized Loan Servicing canceled this policy as I bought my own insurance. So the forced policy that Specialized Loan Servicing bought was in effect for 18 days. Yet I was charged {$340.00} which is disproportionate to the annual fee of {$1200.00}. 

I have called a few insurance companies and they all agreed you can't backdate a HO6 policy. Yet Specialized Loan Servicing is apparently charging me for a period of time before the issue date of XX/XX/XXXX. 

In addition, at no point did Specialized Loan Servicing notify me of the actual reason for the forced insurance until after the fact. I called on their first letter and I was told that I needed to update the copy of my supplied insurance because the expiration date was XX/XX/2023. I did this promptly and was told the matter was settled. 

I then called back as I received a second letter. I spoke with the person and he said that the expiration date was updated and that I could ignore any following auto-generated reminder letters and that everything was OK. For this entire 5-month period, I was led to believe by Specialized Loan Servicing that the area of concern was simply updating the expiration date, not that it was a coverage issue. 

This all could have been avoided if Specialized Loan Servicing simply had given a proper notification along with means of remedy. Instead, they misled me at every point of contact saying it was simply a matter of updating the policy expiration date. 

Additionally, the letter from Specialized Loan Servicing said ( in bold ) : " Will cost an estimated {$390.00} annually, which may be significantly more expensive than insurance you can buy yourself. Yet somehow the policy bought for me was {$1200.00}, over three times that amount. 

I am asking for the full amount of {$340.00} back. I relied on Specialized Loan Servicing to not only give me the correct reason for the forced insurance but also on how to remedy it. Instead, their letters and phone calls indicated a completely different reason for the forced insurance. I remedied that request and was told that the matter was resolved. But instead, I was only notified months later that oops the policy was issued anyway and at a much higher premium than they wrote in their own letter in bolded font. I also relied on Specialized Loan servicing holding reasonably to their {$390.00} annual insurance cost and not being blindsided by a policy costing over three times as much. 

At the very least, I should only be responsible for the period of time between the date of issuance and policy end ( XX/XX/2023, to XX/XX/XXXX ) I calculate this 18-day proration of the {$1200.00} policy to be {$60.00}, not {$340.00}. ( {$19.00} based on their original estimate of {$390.00} annual cost )
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 28 financial loss, and I seek appropriate redress for these violations
Product: Student loan

Mohela is my student loan servicer and regularly makes mistakes, prevents me from getting info on my accounts. Mohela added a capitalized interest charge to my loans in XXXX following their internal transfer of my account to another subsidiary. My autopayments were put on hold during this transfer. I did not request this change nor did i want my payments to be put on hold. As such, i should not have capitalized interest added to my balance owed. I am now paying interest on that interest and have tried multiple times to have this corrected. I filed multiple complaints with XXXX  and Mohela finally responded saying the capitalized interest charge was a mistake and that it would be removed from my account. XXXX months later and nothing has changed - that added charge still sits on my account having interest charged on it. Mohela is impossible to get ahold of over the phone and their email responses are AI generated and do not specifically address my complaints/issues. I fear my payments have been incorrectly applied to my balances for the past XXXX years and Mohela refuses to provide an account history showing how they have applied my payments to principal/interest over the years and how my current balance is calculated. I have been diligently paying my student loans since XXXX and still have a sizable balance owed so I do believe Mohela is making mistakes in their benefit. Not to mention the multiple internal transfers Mohela has done to my accounts- with each new transfer, my prior payment records are deleted so I'm not able to track my payments. Mohela is not transparent and admitted to wrongful charges on my account ( capitalized interest ). Mohela seems more interested in making profit and keeping loan balances on their books ; rather than helping their customers to pay off their balances. Please advise on how I can get some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX Inquiry Date XXXX/2020 )