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

I recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX ; Acct : XXXX XXXX XXXX ; Acct : XXXX
Product: Checking or savings account

I bank with chime and they have a referral program that if you refer a friend you and them receive {$100.00} dollars. I sent my friend a link from the bank app on XX/XX/XXXX than me and my friend sat down together and I helped him set up his account from the link I helped him set up his direct deposit from the VA. His account was set up and he received a direct deposit of over {$600.00} in his account on XXXX XXXX we waited for a few weeks and never got the bonus so we called they said he did not sign up using the link that was sent to his phone even though I sat with him and made sure we clicked the link because I had already had that happen before. and I tried getting them to fix it but they said because on their end it did not show he had signed up through my link we don't get the sign on bonus. the bonus was the big reason he was even signing on for the bank. they made it seem in the emails that I received he did use it but did not get a deposit of {$200.00} or more direct deposit or more in the account in 45 day. and then when I said he did they changed it to He didn't Use the link. and when I tried to talk to someone at the escalation team they told me to call a number and when I do they tell me they will send my info to the escalation team and it is just a circle that does not fix the problem. also when I wanted to get employee info so I could reference everyone I was talking to one of the managers would not give me her Employee number so I couldn't reference her showing who was not the one dealing with the problem.
Product: Credit card

As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?
Product: Credit card or prepaid card

For 2 days I wasn't able to make a payment on my Barclays via web or phone on both XX/XX/XXXX and XX/XX/XXXX. I couldn't get through to speak to someone, the website wasn't accepting payments and the automatic phone payments weren't working.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Credit Karma about an account closed with XXXX to get removed off my credit report after I had already paid everything off and they gave me no reason as to why it was still left on my report negatively affecting my credit score til this day.
Product: Credit card

I had problems stopping my service at XXXX XXXX. I wanted to stop my automatic payments to them from American Express and they agreed to do it but now I am still being billed on American Express for this service and the phone still has not stopped service as American Express is still paying them even though they said they would not pay them any longer.
Product: Mortgage

My home mortgage was sold without warning by my local bank ( XXXX ), to a national mortgage loan service company, Bayview Loan Servicing LLC in XX/XX/2016. XX/XX/2016 I received notice from the XXXX XXXX 's office indicating that the taxes on my property had not been paid. My mortgage is calculated to include escrow for property taxes and home insurance. After numerous telephone calls, emails and postal mail, I have not gotten a response from Bayview and the taxes remain unpaid. It is the worst customer service I have ever experienced from any company in my lifetime. Each time I call, I get a different person who only gives their first name, and can not sufficiently answer any questions, nor even provide a supervisor 's name to answer any questions or achieve any resolution. I have received no response to my email or postal mail, both of which provided verification documentation of the unpaid taxes and the specific property parcels in question. It is unfair to pay a mortgage that is supposed to include enough to cover the property tax and insurance, only to have taxes go unpaid and accrue late fees. I feel that I must somehow find the money to pay the property taxes until this is resolved and then likely fight a new battle again to get the money back or have it deducted from future mortgage payments. I am current on my mortgage payments and have not been late. XXXX weeks ago I received an escrow analysis statement indicating that I needed to pay {$340.00} in order to account for a shortage. I mailed in a check for that amount on XX/XX/2016 and I have not received any acknowledgement of that payment. I believe this company is customer-unfriendly and unresponsive to questions or concerns. There is no acknowledgement email return, no call back and no response to postal mail.
Product: Debt collection

I have identified several incorrect accounts on my credit report, which appear to have been fraudulently added.
Product: Credit reporting or other personal consumer reports

Inquiry Deletion Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter will notify XXXX that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Mortgage

Summary : LoanSnap sold a loan to XXXX that had been paid in full and LoanSnap no longer owned. Now I am being harassed by XXXX for payment despite the title company verifying LoanSnap received full payment before selling my loan. 

1. On XX/XX/2022 I refinanced my LoanSnap home loan with XXXXXXXX XXXX XXXXXXXX. I received a confirmation from XXXXXXXX XXXX XXXX company stating payoff funds were wired to LoanSnap.

2. On XXXX, XXXX took ownership of my LoanSnap home loan. This was confirmed in a phone conversation with XXXX/LoanSnap and XXXX on XX/XX/2022. 
3. On XX/XX/2022, XXXX sent me a mortgage loan statement with a loan payment due date of XX/XX/2022. 
4. On XX/XX/2022 I emailed XXXX XXXX with LoanSnap requesting records be updated to show my LoanSnap loan was closed. 
5. On XX/XX/2022, XXXX XXXX responded stating " This has been handled and sorry for the confusion. You will not receive any more email regarding payments. '' XXXX. On XX/XX/2022, I called XXXX and they confirmed that my loan was still open and payment was due by XX/XX/2022. I emailed XXXX XXXX documenting that XXXX loan is open, active, and was never paid in full by LoanSnap. 
7. On XX/XX/2022, XXXX with LoanSnap sent me an email stating they would pay the loan in 3-5 business days.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$440.00} JXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/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 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 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 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 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 XXXXXXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.
Product: Vehicle loan or lease

To date, this is the third complaint I have had to file against Flagship Credit Acceptance for the SAME exact problems. They haven't addressed any concerns or come to a resolution on how to work with me on the account. 

I have had extreme hardship this year, due to the pandemic, such as having to have an operation which occurred in XXXX of XXXX, had the flu in XXXX of XXXX, had XXXX in XXXX of XXXX and recently just found out that I have to have another foot operation in XXXX of XXXX, because my last foot operation was unsuccessful. 

Since XXXX, and up to the date have talked to references on my application and given them personal confidential information containing to the debt on my account and have left voicemails on their phones about my debt with them. 

On XX/XX/XXXX, XXXX, of XXXX, after XXXX XXXX responded back to my previous complaint, I've reached out daily to try to resolve the account with her and no response back from her. During the course, of talking to other representatives, I have been threatened by them for repossession of the vehicle, however, I'm trying to reach the representative that responded back to the last complaint I filed, therefore we can reach a resolution. 

At this point, this Flagship Credit Acceptance lacks transparency on how they handle customer complaints. From representative to representative to representative the information given changes from one rep, to another. 

All I want is transparency from this company, instead of getting the run around and thrown to a different department that isn't handling the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the results of an investigation I had for my XXXX department store card.  XXXX I  feel did not do a proper investigation. This account was never paid late in 2017 yet it is showing as an adverse account on my credit report having this wrong information is affecting my credit score. I have been disputing this for months now I spoke with XXXX awhile ago and was assured it would be rectified with the credit reporting agencies.
Product: Credit card or prepaid card

My issue began with Goldman Sachs Bank USA in XXXX of 2022. I disputed a charge in the amount of XXXX for XXXX XXXXXXXX XXXX  XXXX I put my dispute in writing. I paid all of my bill that month, minus the disputed amount of {$8.00}. In XXXX of 2022, I was charged again for XXXX XXXX  {$9.00} this time. I paid my bill in full, minus the disputed charge of $ XXXX In XXXX of 2022, I was charged {$9.00} for XXXX XXXX  AND XXXX XXXX credit for {$9.00} ( a disputed charge ), {$9.00} ( a disputed charge ) and a credit for {$8.00} ( a disputed charge ). So, XXXX agreed with me that these charges were not authorized. I thought the issue was resolved. No. In XXXX. I was again charged XXXX for XXXX  I paid my bill in full except for the $ XXXX disputed the charge. In XXXX, I was charged {$9.00} and credited {$9.00} for this same disputed charge. 

My issue is that all along this credit card company has been charging me interest on the disputed charges. Total interest charges are now at {$33.00}. This is outrageous. I have always disputed the charges ( evident by receiving the credit ) and have written to this company asking for credit on my erroneous interest charges. They refuse to issue credit for the interest charges. I want this company to credit me {$33.00} in interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to send letter to XXXX to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.
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 items 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IXXXX 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 reporting or other personal consumer reports

Hunter Warfield Inc. account does not belong to me. I never had anything with this company or any company associated with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit file that I believe were impacted by a data breach. As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to have the accounts in question blocked and permanently deleted from my credit report. 
The following accounts are the subject of this request : XXXX. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$28000.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$2800.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$8100.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} )
Product: Checking or savings account

I opened a checking account with M $ T bank and enrolled in a bonus promotion of {$250.00} when I meet the following requirement. 

Account Number : XXXX Open an M & T MyChoice Plus or Premium checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. Promo code : TL. 

I made a direct deposit on XX/XX/2018 and the bonus has not been posted yet. The XXXX XXXX XXXX customer care admitted that I met the requirements for the bonus. It is been almost 90 days and I have not received the bonus.
Product: Money transfer, virtual currency, or money service

I was told that I would get my money back havent got nothing back
Product: Checking or savings account

I am writing to formally express my concerns regarding Wells Fargo handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Wells Fargo numerous times and reporting discrepancies, my financial institution and Wells Fargo failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Wells Fargo has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

We owed a debt for credit card. Blitt and Gains PC set up payment plans with us. We got hit with unexpected medical bills and couldn't make a payment. Blitt and Gains filed a garnishment order with the court. We were never notified of the court order. We were never given the paperwork for the court order that would have given us 2 weeks to pay before they froze our bank account. After our account was frozen, we had to call the court house to find out the case number and what was going on. We never new we needed to respond to the garnishment order. We then called Blitt and Gain. We told them we never received any paperwork. They then mailed the garnishment order to us dated for XXXX but mailed in XXXX. It was 2 late for us to do anything. They froze our account for 3 weeks. We were not able to pay any bills. Couldn't even pay daycare. They didn't care. Even after the debt was paid we continued to receive paperwork dated back in XXXX but received in XXXX. I had to rack up another credit card just to pay the debt to try and hurry and get my account unfrozen. This is what they wanted to happen though. This is a disgusting company. The attorney XXXX, should be ashamed of herself. Took an oath but then lies to close her case.
Product: Credit reporting or other personal consumer reports

First, they sent me a link with a document that does not reflect the original loan amount, or the amount disbursed, and the name of the lender is different. The document they attached in the link was dated XX/XX/year>. I had to drop out of the university in XX/XX/year>, since my husband got XXXX and I had to move to another state for him to receive treatment for his illness, therefore the university was supposed to return the loan to the lending company, because I did not attend the University. ( I attach the document that verifies the cancellation of the loan ). In addition to this situation, I received forgiveness of other student loans with XXXX XXXX  due to the approval of the Borrower Defense program, due to the misleading and misconduct practices of the University ( Attached document ). This whole situation has caused episodes of XXXX XXXX XXXX, because I had to repeat a year of the study program since it became difficult to find a university that would accept transferring the credits and I had to acquire more student loans, in order to finish an XXXX XXXX in which full-time job positions are limited, also my credit has been affected making it impossible for me to buy a home. To correct this situation, I request that ESCI, XXXX and the collection company send me the loan cancellation letter and send the information to the credit agencies so that they remove the loan from my credit report.