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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
My name is XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX, CA XXXX. There is no possibility that this is my debt. I have attached my address in my drivers license for verification. You will see that it does not correlate with your records and you must delete this account reporting to the credit agencies immediately. I do not wish to pursue legal matters but am prepared to do so. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Account Name XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Thanks for your help in this matter, XXXX T XXXX Attached : Drivers License Copy 1 Page
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/2021 at XXXX I transferred XXXX xlm stellar tokens worth {$260.00} to the Binance US exchange . I was not aware that a memo was needed to complete the transfer and therefore it didnt reach my account. I subsequently contacted Binance.US and informed them of this issue by email and received an email back saying that they have located the coins although they need me to verify my transaction id along with a screenshot of the transaction and a video of me addressing what had occurred. I did this twice because the first one I sent to them was not viewable to them so they asked for a revised video. I went through the steps again and emailed them. Since early XXXX and up till now I have followed up with several emails to Binance and not one person has responded back. I would like your help to get my coins returned. Thank you.
Product: Mortgage

I contacted the company to refinance my current home and discovered that I do not have all the paperwork that I need,. I alerted the company to this fact and told them that I would be contacting them next week when I was ready to continue the process. Since then, I have been called by the agent several times per day starting at XXXX XXXX telling me that I have been wasting their time. This is now harrassment and I no longer wish to continue with this fraudulent company and they need to cease and desist this harrassment and intimidation.
Product: Debt collection

AFNI, Inc posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. AFNI then resold to XXXX XXXX who assumed the new right to collect. 

XXXX XXXX posted a collection to both my XXXX and XXXX   credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
Product: Debt collection

XX/XX/2013, I ran into Old Navy to get a bag and my daughter a swim suit for a trip we were heading to. However, the cashier asked if I would like a discount card to recieve coupons, I said yes. However, she never did say it was a credit card at all! So after she said I did n't owe any cash, I knew something was wrong, I then asked her how that was possible, she said you just signed for a card with us. I then told her I did not want one and to make it stop and I 'd pay cash, it was miscommunication. She then went on to tell me It was to late, I needed to contact her Supervisor, never did get a hold of him. I would like this solved. This should n't be holding me back from my future! 
Thanks.
Product: Mortgage

Starting on XX/XX/XXXX I started making Principal only Payments to date {$33000.00} in Principal Only payments, every single payment I write them and need to tell them that the payments have been set-up to be Principal only as I have been making extra payments for a while and they had me paid through XX/XX/XXXX as of XX/XX/XXXX. Yet every time they treat it like a regular payment they now have me paid through XX/XX/XXXX, even when I changed from making {$500.00} principal only to {$1000.00} principal only which they treat like 2 regular payments. I have written numerous times on this and don't feel I should have to on every one, I make payments through my bank and have the account # labeled with the number and Principal Only
Product: Credit card

Synchrony Bank closed my Sam 's and Lowe 's credit card saying I have unsatisfactory obligation with them. I recently tried to open a credit card with ROOMS TO GO and was sent a notification that I was denied for the following reason : Prior unsatisfactory obligation with Synchrony Bank. I checked with all three credit reporting agency and there is no such thing on my reports. I believe they have me confused with someone else.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX informing me that I had a credit card. At the time I did not question the legal ramifications behind it. I later found out that I was not the person who applied for the credit card. After some investigating I discovered it was my niece who applied for the card. I tried to inform the company but they told me I was responsible for these charges. I have applied for credit cards in the past and have always been denied. The only reason that this application was approved is that my niece used her job as proof of income. I have never lived at the address the credit card was originally sent. Nor have I ever worked at Understanding XXXX XXXX or XXXX XXXX. Now Portfolio Recovery is trying to collect on this fraudulent debt.
Product: Consumer Loan

On XXXX XXXX, 2016, my vehicle was a total loss, which was reported to American Credit Acceptance. I had full coverage insurance with XXXX insurance, and XXXX insurance, which paid off the {$10000.00} balance. American Credit Acceptance insisted I still pay the monthly payment of {$270.00}, which I finally did, because they reported a 60 day late on my credit. I am requesting that this late charge be removed from all XXXX credit bureaus. There was no payment even due when the vehicle was declared a total loss. They have reduced my credit limit by XXXX points. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My state tax lien is being reported on my equifax & XXXX credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX are reporting incorrect information on the account listed as XXXX account number XXXX. The information is not consistent among the credit bureaus which means they have not performed a reasonable investigation into this account. 

Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$170000.00} {$170000.00} {$0.00} Payment Status : Unknown Late 60 Days Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Debt included in or XXXX through Bankruptcy XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  FHA mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

So XXXX accidentally disputed my Capital One credit card and Capital One went and shut down my account bye computer automated systems and never call to verify with me to make sure if it was real dispute I've had my Capital One card for 6 months and always paid on time and never had one late payment they never sent me a letter or never call to verify with me that my Capital One card was being disputed as fraudulent and I was told to send in by fax letter my driver 's license my social security card proof of residence and a letter stating that I want my account reopen I have verified all this information and they still will not reopen my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX.
Product: Credit card

I payment was made in the amount of {$300.00}. The {$300.00} has cleared my bank but has not shown up reflective on my account. In calling on XX/XX/year>, XXXX and talking to XXXX XXXX she informed me that even though my bank has cleared the money, which is reflective of the payment, due to me paying {$300.00} toward the card, they are now holding on to the money for 26 days because of a high payment toward card balance? So now I have {$300.00} paid to them which is not reflective and will not be for 26 days because I paid a high amount? Surely this is a violation of some kind as there is nothing I can do to request an override or anything. Like the money is not accessible to me. After accepting the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting late notations on my credit file that I need removed. My student loans were in deferment but while in deferment I was making payments of {$90.00} a month. Once my deferment was over, I continued to make the {$90.00} a month and was not aware that my payments had gone from {$90.00} to {$400.00}!! As soon as I found out I did my best to catch up and get current but I was not warned at all about this. This is not my fault, I was not advised that my payment would go up a ridiculous amount and once I figured that out, I have been current.
Product: Debt collection

On XXXX, I received a letter from XXXX XXXX XXXX. This letter stated I had a debt owed to City of XXXX, and that this bureau will now be attempting to collect this debt. The debt owed was for traffic citations issued by city of XXXX in XXXX XXXX. 

I 'm not a resident of XXXX nor have I visited XXXX. I check the city 's website to obtain further info on citations. The person listed on these tickets had same name as I do, so I thought this could just be some mix up. 

I tried contacting XXXX XXXX XXXX to resolve this situation. Unfortunately every time I called the numbers provided on letter I received, there was no answer. An automated voice would play and said to " Leave a message ''. I was very skeptical of this since every time I called these numbers, there was no answer, and there was n't any info given before leaving the message. I just want to make sure I 'm calling the right company, and that this is n't some kind of a scam. I did call during business hours that were listed on letter, but it went to voicemail every time. 

The letter stated if I do n't take any action, that I could be arrested. This letter I received has made me quite upset. I understand someone owes this debt, but its quite frustrating when I received this letter in error, and I ca n't even contact this company to resolve the situation.
Product: Credit reporting or other personal consumer reports

While checking my Equifax credit report recently I found out that the following inquiries has been made on my credit report are without any of my knowledge or consent. I believe I am victim of identity theft. So I am asking you to remove these inquiries soon as possible. Thanks. 

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

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

The account to XXXX XXXX XXXX  at XXXX is XXXX XXXX XXXX. Consumer finance laws prohibit credit reports of over 10 years old. It is illegal for them to continue to post this information. Contrary to the laws of consumer finance. Its that simple plus they can never prove that I owe this money. Theres never been a promissory note presented never please have them remove it according to consumer finance laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that requires immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/ and XX/XX/ > I have disputed these unauthorized inquires for several months with no help from the XXXX XXXX XXXX. I was told, this is a third party service for a XXXX XXXX and I needed to contact this company. I have sent letters to both companies with no response. I am tired of being put off and given the run around. I am not a veteran, I did not apply for a home loan, and I did not authorize anyone to pull my credit for any reason from these companies. My credit report was pulled twice with this company and I would like these unauthorized inquiries deleted from my credit file with all three credit bureaus immediately! I have also filed complaints against XXXX XXXX XXXX. I need these fraudulent unauthorized inquiries off my credit report.
Product: Debt collection

I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company Professional Placement Services as a collection for {$50.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!
Product: Credit card

Home Depot is charging me unfair finance charges every month. I have {$600000.00} ready to pay and the bill is {$6000.00}. Everymonth is unfair charges of {$120.00} and {$110.00}.
Product: Checking or savings account

Had both a checking/savings and vehicle loan with Wells Fargo where they charged inflated costs to maintain these accounts.
Product: Mortgage

I had a mortgage loan with Flagstar bank and had a Data Bridged : Flagstar Bank Statement on Accellion Vulnerability Accellion, a vendor that Flagstar uses for its file sharing platform, informed Flagstar on XX/XX/2021, that the platform had a vulnerability that was exploited by an unauthorized party. After XXXX informed us of the incident, Flagstar permanently discontinued use of this file sharing platform. Unfortunately, we have learned that the unauthorized party was able to access some of Flagstars information on the XXXX platform and that we are one of numerous XXXX clients who were impacted. 

Upon discovery, we acted immediately to contain the threat and engaged a team of third-party forensic experts to investigate and determine the full scope of this incident. After a thorough, diligent review of the data, we are now in the process of notifying impacted customers directly via U.S. Mail. 

Flagstar has been and remains fully operational, and other parts of our IT infrastructure outside of the XXXX platform were not impacted. Importantly, the XXXX platform was segmented from the rest of our network, and our core banking and mortgage systems were not affected.
Product: Debt collection

I called cavalry after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

CAVALRY PORTFOLIO SERVICES Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact CAVALRY PORTFOLIO SERVICES  XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

So in the month of XXXX I sent validation and verification letters to XXXX  and experian asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me thank you.
Product: Credit reporting or other personal consumer reports

Toyota motor credit has been reporting inaccurate information on my credit report for months. They were reporting my car loan account opened when it had been closed for months. This caused multiple credit denials. They are continuing to report inaccurate payment history after multiple reinvestigations. Toyota is providing false credit reporting as its stated with the lawsuit with the cfpb. XXXX and XXXX are not doing a through investigation. This is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX i bought a car from a XXXX and XXXX car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( XXXX date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX XXXXut a duplicate account on my credit report so there was fraudulently XXXX wrong accounts on my credit until XXXX when hls XXXX sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX is reporting negative false info on my account this account is satisfied in full proof is provided and it XXXX XXXX XXXX and after XXXX disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.