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

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account with Credit Bureaus. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Immediate Removal : Please promptly remove all fraudulent items and transactions associated with my account.

Thorough Investigation : Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence.

Communication : Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Security Measures : Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. 

If the necessary actions are not taken promptly, I may have to explore alternative avenues, including reporting this matter to relevant consumer protection agencies. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had an investigation with Equifax through XXXX XXXX. I disputed XXXX XXXX account and the account was removed from my Equifax Credit Report for a few days. At this present time XXXX XXXX is reporting on my Equifax credit report once again
Product: Credit card or prepaid card

On XX/XX/XXXX I made and cancelled a purchase on XXXX via PayPal credit for {$330.00} and their special credit financing yet an error caused it never to be processed on the Synchrony Bank side and only on the PayPal side. I was told by multiple reps it would be fixed and some tried to lie and claim it was credited YET it STILL showed as part of a special financing balance until last month when it was credited off to remove it BUT then put BACK on as a miscellaneous charge. Ive provided documentation which proves what I allege. They simply refuse to fix it. I have screenshots and explanations that explain everything. If it was refunded in XX/XX/XXXXlike it was supposed to it wouldnt be showing as part of a special financing balance as late as last month ( see second screenshot ). Then further trying to defraud me they said theyd fix it BUT merely adjusted it not to show as the balance it was then created a miscellaneous charge to put it back on the account ( see third screenshot ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DP OF EDUC XXXX XXXX XXXX XXXX XXXX USDOE/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 XXXX XXXX XXXX XXXX XXXX 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

There is an account listed on my credit report that is said to be opened with Speedy Cash in XXXX of XXXX  I have not had any interaction with this company. This may be an account from over 10 years ago. That should no longer be eligible for report on my credit report. It is showing as the being sold to another company. I have disputed this with several credit bureau 's and have not gotten access to the original contract. Or the first date of delinquency. The information being reported to credit bureau 's is inaccurate and should be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> Subject : Request for Investigation and Verification of Accounts Equifax XXXX XXXX XXXX XXXX GA XXXX Dear CFPB, I am writing to formally dispute the accuracy and completeness of certain items on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts to verify their accuracy and validity. 

The accounts in question are : XXXX. Macys/CBNA acct XXXX XXXX. XXXX acct XXXX XXXX. Synch/PPC acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX. XXXX XXXX acct XXXX. 
6. XXXX XXXXXXXX XXXX  acct XXXX XXXX. XXXX acct XXXX. 
XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX. XXXX XXXX acct XXXX My personal information that needs to be corrected and updated is as follows : My current address is : XXXX XXXX XXXX XXXX MI XXXX As well as. 

I have never worked for XXXX XXXX XXXX This needs to be deleted from my credit report. 

I have reviewed my credit report and believe these accounts contain errors or inaccuracies. I request that you investigate these items, verify their legitimacy, and provide me with documentation supporting their accuracy. If you can not verify the accounts as accurate and complete, I request that they be removed from my credit file immediately. 

For your reference, I have attached copies of my credit report with the disputed accounts and beginning account numbers, as well as any supporting documentation. Additionally, I have enclosed a copy of my identification and proof of address to verify my identity. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report, I request that you send me an updated copy of my report reflecting those corrections. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe allowed by law. If you require any additional information, please contact me at the phone number or email listed above. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I called the company last week after I saw this in my account and assured me I don't have an account.
Product: Debt or credit management

I was purchasing something online & it went to a scam website, I did not notice. I put {$1300.00} on my debit card & the next day when I realized it wasn't the correct site, I cancelled my debit card & reported it to the bank. They returned my money to me but today they took it out because they said I didn't do the proper paperwork. I wasn't sent any paperwork & the deadline for the paperwork to be in is today & that's when they took the money out. I am a XXXX XXXX. I need that money back. When I asked if the scam company had contacted them, they said no. So why are they taking this money away from me? I dealt with the Huntington Bank at XXXX XXXX XXXXXXXX but I talked to several people over the phone before I went in. My rent is due on the XXXXXXXX & my SS goes into my checking account & if they don't refund that money to me, I will have no money to pay rent. This is an emergency & unfair banking business!,,
Product: Credit card

XXXX XXXX XXXX publicly advertises on its web site that : " Escrow.com will charge your credit card transactions as ordinary purchases. '' However, after Wells Fargo and XXXX charged my credit card purchase as a cash advance, XXXX then stated : " We want to assure you that XXXX does not have control over how financial institutions categorize transactions, such as whether they are processed as purchases or cash advances. This decision is solely determined by your bank 's policies and systems. '' Wells Fargo Bank then claims that : " Please understand that Wells Fargo does not have the ability to control how a merchant chooses to classify their business transactions. '' XXXX Wells Fargo Bank is lying when they claim they can't control how the merchant chooses to classify their transactions, or XXXX is lying when they claim they do not have control over how financial institutions categorize transactions. 

Either way, if a merchant publicly advertises that a transaction will be handled as a purchase, and not a cash advance, then BOTH the merchant, AND the bank, should honor the advertised policy.
Product: Student loan

I took out 8 different loans with XXXX. The loan is being serviced by American Education Services ( AES ) all with variable interest rates. The lending institution changes the rates whenever they wish and I have no say over it. 
I am trying to do a final payoff but have requested a copy of my promissory notes in order to see how much I requested, what was disbursed, and how the interest rates changed throughout the history of the loan before I make the final payoff. 
They have not sent me a copy of my original application nor a breakdown of interest rates throughout the history of the loans. 
They have only sent me what they disbursed, which does not seem accurate, and what I have paid in interest but not showed what the actual interest rate is. 
This is so frustrating because in the meantime my principal and interest amounts keep going up everyday. 
This is horrible customer service and a horrible lending institution.
Product: Checking or savings account

I opened an account with Navy Federal on XX/XX/XXXX, and added a debit card. I deposited XXXX on XX/XX/XXXX from my XXXX XXXX. I deposited XXXX into the account on XX/XX/XXXX and a XXXX  transfer from my XXXX checking account of {$150.00}. I received a XXXX  transfer of XXXX from my friend. and another XXXX  transfer for which I can not name the amount because the account is locked. I then purchased a XXXX for XXXX the XXXX transfer was from friends we were all putting in on an XXXX XXXX. my account was then locked and inaccessible on XX/XX/XXXX. I called Navy Federal to see what the issue was because I hadn't gone over my limit nor had any fraudulent transactions. The receptionist proceeded to let me know she couldn't see a reason for my locked access and that I should fill out an appeal which I did on XX/XX/XXXX I believe I had called back after 10 days and they still had no update for my account only to keep a lookout for an email saying they've received it which I haven't gotten that either. There is still money in the account that I have no access to and I'm upset because I was trying to build a relationship with them on a business scale. This whole matter has been timely and frustrating.
Product: Mortgage

BSI is violating the terms of the CFPB XXXXonsent order https : //www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ specifically : " Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements ; Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners ' insurance premiums ; '' Clearly BSI continues to mismanage escrow disbursements, and CFPB needs to investigate BSI for ongoing malfeasance.

As an example, my current situation relates to an ongoing issue which BSI refuses to acknowledge - either through incompetence or willful ignorance. My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. The attached documents are : - copies of my property tax bills showing dollar amounts and that only two payments of {$2500.00} were needed. - a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue. 
Also an image of my XXXX tax bill showing XX/XX/2020 tax dollar amount - further proof of BSI 's efforts to misinform ( i.e. also attached tax record proof that XX/XX/2020 taxes were paid XX/XX/2020 - SIX MONTHS BEFORE BSI WAS EVEN SERVICING THE LOAN. but none of that matters since my taxes were up to date BEFORE BSI bought my mortgage )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 5-6 Fraud inquires reporting to my XXXX XXXX and 1 on my Equifax and they are both refusing to remove them. They said the need deletion letters from those companies but those companies will not give me them. Now I'm stuck with inquires on my credit that I didnt do or benefit from starting from XX/XX/2019 till XX/XX/2019 any inquiry from that time are all FRAUD and need to be removed. Last time I checked I had NO inquiry at all on any of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through XXXX XXXX I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to XXXX XXXX and was told to check my credit for other items. After viewing my credit in XXXX XXXX i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account nameXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

They are credit reporting and attempting to collect a debt that was covered through my insurance plan.
Product: Debt collection

My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.
Product: Debt collection

Went to rent a car from XXXX XXXX XXXX in XXXX. Was informed that XXXX and XXXX are the same company and I was on XXXX do not rent list. I was told to contact the do not rent department of XXXX ; I did. They referred me to a collection company in California XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I called an spoke to XXXX at the company. I asked for a copy of the bill, signed contract and orginally inovice. I was told those were not available. I stated that on XX/XX/XXXX that the CSR could see the contract on her computer screen. He stated that the contract # XXXX had been recycled and not available.
However, 2 hours AFTER speaking with both XXXX  XXXX Department AND NCS, I was emailed an invoice with a XXXX  balance.
The rental was from XX/XX/XXXX to XX/XX/XXXX. The insurance company paid {$630.00}. Apparently there was a balance of {$85.00} ; i did NOT know there was a balance nor had I EVER received anything about this.
I sent this to XXXX XXXX department who stated that I have to contact NCS. But when I contact NCS, I am told to speak with XXXX  and he stated that I owed nothing, XXXX is a private company and they can decide who they rent to, that I needed to find another rental car company and he went on to state he would make sure that XXXX was not ever going to rent to me again AND then hung up.
It seems that XXXX with NCS is on some sort of power trip as he refuses to provide ANY information about the supposed debt and the information XXXX  has provided shows a XXXX balance.
It is clear that it was an overcharged by XXXX and since XXXX only makes his money on what he collects he is not going to release the account in order to punish me as by his ( XXXX w/ NCS ) own admission know this is not a valid charge.
Thi account needs to be settle as paid as by XXXX own admission there is a XXXX balance.
Product: Credit card or prepaid card

I received an email today in regards to my Lowes credit card dated XX/XX/23. The email I will be attaching states that my credit card will be closed with reasons which were included, none of these reasons apply to this specific store card. I have never used more than 30 % of my card and have always paid my card on time and feel Im being wrongfully targeted due to my ethnicity. And with these actions which will be detrimental to my credit during these very difficult times. For such a large company to move forward like this on XXXX customers is wrong and should be looked into when making one to feel like a 2nd class citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All legal actions will be taking if XXXX fails to comply. With prejudice!!
Product: Money transfer, virtual currency, or money service

I created an account with Binance US, the URL for this service is : https : //www.binance.us. I have deposited several XXXX dollars with them over the last few months. This service serves as a so called " Crypto currency exchange ''. After about 2 months of having the service, I logged into see that I could no longer withdraw any funds from my account. The reason given for this was that a XXXX USD transfer had been rejected from my bank. 

I contacted my bank and they stated that nothing was wrong on their end. I read through the support help information from Binance US and followed their direction exactly to fix the issue. I deposited more cash from my bank account in the form of a debit card transaction, and " low and behold '' XXXX dollars exactly was deducted from the XXXX I had deposited, however, my account still remains locked. 

My account has now been locked for nearly 2 months. I have submitted 5 support tickets and received at least 4 ticket numbers each. I have attempted to reach out to the company via the online forums : XXXX, XXXX XXXX, and email. Additionally I have filed a compliant with the XXXX ( XXXX XXXX XXXX ). The XXXX attempted to contact them for nearly 3 weeks to no avail. 

I have read multiple instances of people depositing large sums of money into this service, and then due to some " banking error '' their account becomes locked. This is clearly a scam that has been using " Binance '' which is an actual reputable " crypto exchange '' in the form of " Binance US '' in order to scam people. I dont have as much as some of the other people being scammed, but I do have nearly a XXXX USD in there that I want out.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to The XXXX XXXX store located in XXXX XXXX in XXXX XXXX XXXX, FL to buy 3 brushes and a shower cap. When I approached the register to pay for the items the store manager asked if I wanted to join their reward programs for discounts and I said to her sure, I just want to make sure that it is not a credit card and she replied : No, this is not a credit card, this is just a reward program I noticed that she asked for my drivers license but I didnt think it was a red flag because I thought that she needed it in order to have me join the reward program. Later about 2 weeks later I received a XXXX credit card in the mail, and I was furious! I called the bank, and they didnt know how to help me. I proceeded to call XXXX XXXX  corporate Office : XXXX and they created a case number:XXXX and apologized for what the employee did. I just reported the fraud to Equifax, and they need a report from FTC/ CFPB. I only own 2 credit cards : the XXXX card for my business and an extension of my husbands XXXX XXXX XXXX Credit Card. Therefore, I am not used to applying for Credit Cards.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my original debt validation request and intent to sue, which I sent to XXXX  on XXXX XXXX. As of today, I have not received any response from XXXXXXXX XXXX nor have I received any contracts, documentation, or other proof that substantiates the claim that I owe the debt associated with this account. Under the Fair Debt Collection Practices ( FDCPA ) you are required to provide valid documentation of the debt withing 30 days of my request. Since you have failed to respond and provide the requested validation, I am asserting that this debt is not valid and you have no legal basis to pursue it. As a result of your failure to validate this debt, I demand the immediate removal of this account from my Early Warning ( EWS ) consumer report. Continued reporting of this unvalidated debt violates my consumer rights.