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

By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. CAN YOU PLEASE SEND ME A WET COPY OF ALL CONTRACT THAT I HAVE SIGNED WITH THAT COMPANY. IF NOT ABLE TO PROVIDE CONTRACT TELL ME THE METHOD OF VALIDATION YOU ALL TAKE TO VERIFY DEBT. 
Account Name : XXXX Account numberXXXX Account Name : XXXXXXXX XXXX Lending Account numberXXXX Account Name : XXXX XXXX  Account numberXXXX Account Name : XXXX XXXXXXXX Account number:XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account.

Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

My card was charged for multiple items twice. Once on the XXXX XXXX XXXX  which is correct and a second time on the XXXX XXXX XXXX which is a fraudulent charge that was not charged by me or put in the new card number i requested earlier.

This is after i had frozen/turned off my brand new card that i received a couple hours earlier. One charge for {$300.00} was paid twice and {$11.00} for XXXX  was charged twice. I immediately contacted support and they are trying to blame the hotel and XXXX  even though after searching online for this issue it became obvious by the hundreds of social media posts that this is a common issue with Cashapp
Product: Credit reporting

Experian is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I am trying to clean up my credit report from an injury i had in XXXX. I notice there is a creditor LVNV funding linked to a XXXX XXXX Credit card i have no memory of. I saw original debt was XXXX which is when me and my child 's mother split up. I originally disputed it stating it belonged to my ex. because i do not believe I ever received that card. She is still at same address as then. I just had forgotten about it. XXXX XXXX I sent them a letter asking for proof, a signature, anything with my agreement. They sent me back a court document from the county i live and it appears they got a judgement on me for the amount owed and its funny how it goes up by a random numb er at strange intervals. I was never supenia 'd - i was never advised of this court date or of this debt for that matter, whenever i call they are rude. After coming here It appears i am not the only one - LVNV has a history of scare tactics to get dirty money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I am being hit with a Inquiry from wells fargo. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX TRAFFICKING THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO HUMAN TRAFFICKING. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE.
Product: Debt collection

This company is reporting fraudulent inaccurate info on my credit report. I have requested proof of the purchase agreement to show full ownership of such acct and other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

Hunter Warfield reported a debt on XXXX/XXXX/XXXX and reported the same debt again on XXXX/XXXX/XXXX to extend the statute of limitations, this is not a new debt.
Product: Debt collection

I paid my balance with FNBO on X/XX/17 ( see attachments ), but I continue to accumulate late payments on my credit report ( see attachments ). I demand that these late payments be removed. This is a violation of the FCRA. If I do not get results here, I will sue them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed an account from XXXX, XXXX  that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX  Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;•	The Original Signed Account Agreement and Terms and Conditions. •	The Assignment and Bill of Sale for this account.   •	The Explanation of Accounting for the account balance of XXXX.  In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:•	XXXX XXXX is listed as a financial services company.•	The Loan Type identified as a Factoring Company Account.•	Original Creditor is not listed.•	No Charge Off Amount is listed.•	No Date Closed is listed. This type of reporting is not aligned with Metro 2  Reporting Guidelines or XXXX XXXX XXXX  XXXX instructions, and a potential violation of the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last 2 months, I have disputed a {$3500.00} balance via Equifax XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to Equifax, on XX/XX/2023. '' Equifax continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold Equifax accountable and make Equifax remove all outstanding balances that are incorrect.
Product: Checking or savings account

The Small Business Association funded an EIDL Grant for {$5000.00} on XXXX XXXX, 2021 and {$10000.00} on XXXX XXXX, 2021 to my Huntington bank account. I have yet to receive those funds. I have contacted the SBA and my bank about this and my bank claims they never received the funds. SBA says the funds were ACH on the above dates and the funds have not returned to them. This funding is a business grant and as of today 's date, I have not received those funds. Please advise. I can reached at XXXX and XXXX Thank you.
Product: Checking or savings account

I am filing a complaint against Capital One regarding deceptive practices related to their 360 " high yield interest '' savings account. Capital One misrepresented 360 Savings account as having one of " the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

This is with regard to an active student loan from Sallie Mae : 1. ) I am from the XXXX have been consistently settling my monthly dues on time except there are system changes or glitches. I have been paying with no disruption since XXXX. 

2. ) I settle via their app using credit card. Since XX/XX/2021 - they have removed this feature and mentioned I can do this online via webpage which was not true. Now I have been late twice due to this misinformation and lack of support.

3. ) I have been requesting to release my co-signer as I have been paying for more than 3 years on my own - since repayment started. They have not done it since 2 years back. 

4. ) Sallie Mae responses have been quite cold and partly I would say due to my location and nationality. I have been deprioritized even though I contribute in your taxes and loan economy.
Product: Credit reporting

I filed a complaint and dispute with transunion and when I called because score had not adequately changed and online report showed derogatory items but could not see what they were and could not get a copy of my report without having to pay for it ( last one was XXXX 2014 ) and when I called them the person who answered could barely speak XXXX and was hard to understand and when I asked for a supervisor I was directed to another person who was no better than the first person. My wife tried to talk to them and they refused to talk to her and hung up and dispute has never been resolved.
Product: Consumer Loan

I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.
Product: Mortgage

Hello, I paid off my mortgage to Dovenmuehle on XX/XX/2020. I have {$210.00} on my escrow account that must be sent back to me. As of today, XX/XX/2020, Dovenmuehle hasn't sent me my money back. It has been 40 days since the payoff date Dovenmuehle is not helping its customers. There is no customer service. When I call the customer service line, there is an average of 45 min wait time until I speak with someone. Sometimes, they hang up on me. When I explain the situation, they will open a case with their research department and send a mail to notify me. However, they won't send the money back. 

I came across similar posts from other account holders. It is obvious that Dovenmuehle is keeping escrow balances that are due to customers as long as possible. Sometimes, I probably never pay. 

PS : Attached document shows a response to my earlier complaint I had with Dovenmuehle. In this document, you can see the following Dovenmuehle statement in the last paragraph : " There is an escrow balance of {$210.00}. Our procedure for disbursing escrow funds from a borrower 's account after payment in full is to wait fifteen days from the payoff date to ensure the payoff funds have cleared. Your payoff date was XX/XX/2020. As such, we will disburse your remaining escrow funds directly to you in the form of a check through USPS mail. This check will be sent to the mailing address on file at the time of payoff. '' There is no excuse that this check hasn't been sent yet. Please investigate other Dovenmuehle accounts. You will see that they keep escrow money much longer than necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax fixed a dispute on my report involving XXXX XXXX XXXX. XXXX had been applying my payments to the wrong account. XXXX admitted this error and corrected it internally. XXXX has been slow correcting the error with the Credit Bureaus. On XX/XX/XXXX Equifax again listed the account as late. This error is unacceptable the account is not 30 days late. Equifax needs to immediately fix this error. Will be filing complaint with Florida Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my yearly report on XXXX XXXX and found a middle name that belongs to a sister. Her address is also included. I have filed a complaint two years ago for the same reason. I in no way gave her permission, nor would I EVER allow her use of my information or change of MY middle name. This has been a constant battle. I have been XXXX  from her and her family for XXXX years. They are disgusting criminals. She happens to be a bankruptcy secretary. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Bank account or service

I purchased XXXX cosmetic creams from an ad I saw on XXXX. After doing so I told my friend about it. She said it was a scam and that I should call my bank right away. I emailed Chase Bank that same day and told them this and instructed them not to allow any further charges to my account. They told me to contact the merchant which I did. The merchant said they would only give me a 50 % refund of XXXX charge ( there were XXXX charges altogether for only XXXX items received ). The ad said pay only shipping. The first XXXX charges were {$1.00}, {$5.00} and {$4.00} which I figured was shipping charges ). On XXXX/XXXX/16 they charged the XXXX additional charges of {$94.00} and {$89.00}. I was told I would have to call another number to dispute the {$89.00} charge. I refused to accept only 50 % refund and hung up. The girl called me right back and left a message on my answering machine that she would refund 75 % of the {$94.00} but I did n't call her back. I contacted Chase Bank again and told them about this. I was told that they could not help me. I contacted the merchant again through email and was told that they have no record of my information or orders. The bank went ahead and paid them the additional amounts of {$89.00} and {$94.00} and charged me XXXX insufficient fund charges of {$34.00} each.
Product: Debt collection

Have tried on numerous occasions to dispute with no results account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Transunion XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that XXXX and Transunion are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from XXXX and Transunion and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.
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 names are as listed XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 i
Product: Credit reporting or other personal consumer reports

XXXX  identity was stolen and There is XXXX inquires on XXXX XXXX that I did not do. last thing I have requested XXXX  for was for XXXX XXXX XXXX I bought a XXXX  car in XXXX, that was all that was on XXXX XXXX and school loans. now there is other XXXX  I did not make. there were so many but they were on there a XXXX  times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXX have reached out to the XXXX  berau to try to dispute them but there is so many. please help I did put a lock on XXXX XXXX  but the person who is stealing my information has acess to everything I have. he broke in my home and got XXXX  XXXX  off my computer and stole XXXX  from XXXX.
Product: Vehicle loan or lease

This account is in litigation. Santander exposed me to high levels of risks : a high loan to value ratio, backend fees, high payment to income rations so when the car was totaled the amount due was inflated. 

The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} was paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would have been paid off. I had full coverage and gap insurance. I settled with Santander XX/XX/XXXX for {$3300.00}. 

I have also been contacted by Virginia 's Attorney General about a class action lawsuit against Santander for deceptive practices by specifically targeting vulnerable Virginians who were more likely to default on their car loans, subjecting them to unnecessarily high-risk loans, and misleading them about their rights as consumers. I am one of those individuals those individuals whom were misled. Santander would not work with me.
Product: Credit reporting or other personal consumer reports

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/2023 and was told by Transuion it will stay on my account for 7-10 years. I tried to dispute with all 3 credit agencies with no luck. I have two accounts with XXXX XXXX XXXX that started reporting in XXXX of 2023. The amounts for the two accounts are {$410.00} and {$3100.00}. I called XXXX XXXX  where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.
Product: Credit card

My wife received a letter dated XXXX XXXX, 2016 from " XXXX '' at Chase Bank USA, N.A., XXXX XXXX XXXX, XXXX thanking her for her alleged application for an AMAZON.COM Visa Signature card and requesting " more information. '' She had not applied for such a card ( or any other card at this time ) from Chase or Amazon and, indeed, had not contacted Chase for any reason. Two days later, she received a letter dated XXXX XXXX, 2016 stating that the sender had reviewed her " application and credit report and are unable to approve your request at this time for the following reason : Obligations too high relative to income. ] '' For further information on the basis for Chase 's rejection of the application we never made, the second letter referred my wife to XXXX. We are concerned that Chase, or someone purporting to be Chase, is trying to snare credit card business through the use of false and misleading correspondence, and that in furtherance of that scheme has sent a credit inquiry about my wife to a credit reporting company, thereby potentially damaging her credit rating.