23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are legally required to respond to me within 15 days. Your failure to do so puts you in violation, subject to fines up to {$1000.00}. 
I trust that upon receiving this letter, you will immediately comply with my request. Please provide the investigation procedures for : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, I mailed off my standard car insurance payment the insurance company explained that they had never received my insurance and canceled my insurance. Last week I received a bill from my car insurance stating that I owe the balance of {$26.00} if my car insurance was canceled. I'm unsure, and it's unfair that I'm being billed {$26.00} Because the insurance was canceled. I kept my money order and the receipt, and the XXXX money order representative told me that the money order had never been cash, which meant the mail was lost. I'm on a fixed income, and {$26.00} may seem small, but it's money on my fixed budget. I was under the impression that the insurance was canceled, so why would I still owe {$26.00}
Product: Debt collection

After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.
Product: Checking or savings account

I requested to a XXXX transaction be cancelled that was sent to someone. That person back deposited the money into her bank account but on XX/XX/ the money was removed out of her bank account because the transaction was disputed. I have proof of this. I have called my bank several times and have been lied to every time about my {$500.00} being refunded. The other bank ( XXXX ) sent the money back to TB Bank and Im being refused my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous XXXX & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the companyXXXX & affiliates for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX XXXX XXXX ( where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolios XX/XX/2018 unknown inquiring on credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent Experian, XXXX, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information ,XXXX  XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX  direct number XXXXand fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a previous complaint about a closed account on my credit report that Experian refuses to remove even though I submitted a letter showing this item was suppose to be removed. That was the agreement for payoff. In their response Experian claimed this is not on my account but I have a screen shot showing it is and a letter from XXXX agreeing to remove it.
Product: Payday loan, title loan, or personal loan

I've been trying to pay the loan for weeks. At every turn a new issue arises and they ignore my complaints or take weeks to reply. I'm trying to pay the FULL BALANCE TO GET this experience over with. 

No way to contact them other then email. Leaving a voice mail at their XXXX   contact number states that I'll receive a call back within 3 business days, LIES! 

I've been in talks with XXXX XXXX & with XXXX Absolutely no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
Product: Checking or savings account

XX/XX/year> - XXXX XXXX  I contacted SoFi about closing a small/newer investment account early due to needing funds for a car issue. SoFi XXXXXXXX team directed me to direct cash withdrawal to linked SoFi XXXX account. They sent a note along to the XXXX XXXX team to allow for the transfer and closure of the account. No problems. 

Hours later XXXX XXXX  I get an email that SoFi has put my checking/savings account under restriction and frozen assets. Huge problem, this is my main checking for daily transactions and bill/utility payments. 

I call the " security team '' listed on the email about XXXX times, and they repeatedly reach out to the " review team '' and there are " no notes and no ETA on when account will be unlocked. '' I have verified with security that no fraud charges are shown, no odd activity, my rent and a recent bill, and gas and fast food are the only transactions showing this month. Cash was sent from a friend, but SoFi does not restrict amount of cash into account, and this was far below the federal deposit limits of $ 5K per day.

I also spoke to the Invest side multiple times to confirm my SoFi directed actions I took this morning of XXXX were not causing the restriction, they confirmed they did not. However, they said that now that the " banking '' side had a restriction blocking deposits and debits from checking or savings, that my actions I've taken may also not go through if the block is still in place when it processes. 

After multiple calls and assurances they are " looking into it '' this bank can not show me what I have done or what they think they see to hold my ( less than XXXX $ amnt ) in my main checking hostage. This is absolutely asinine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Chase Bank keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Product: Checking or savings account

There are {$310.00} and {$21.00} transactions are XX/XX/22 that I do not recognize.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX
Product: Consumer Loan

This creditor has harassed me, provided false information and they repossessed my car the day I went in to make a payment and would not allow me to make the payment and get my car back.
Product: Mortgage

I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are XXXX business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional. They still had me submitting XXXX up to XXXX weeks ago when I submitted all these items over a month ago. They also have not been good about going over the numbers with me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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
Product: Credit reporting or other personal consumer reports

It's been 2 Billing Cycles and XXXX XXXX  has not reported my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a dispute with Experian I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.
Product: Credit reporting or other personal consumer reports

I or my mortgage lenders are unable to pull up my file, for the past 3 months of trying to get them to clear the issue they have not been able to, I was told twice to send in my DL and SSN with cover letter, to address they provided, using certified mail which I did and both time they say they have not received the documents, even though the tracking says they were picked up both times, they are now asking I send for a third time, this in unacceptable, we were trying to purchase a home but cant even get the pre-approval because of this
Product: Credit card

When I received notice that my internet service bill was due, I checked my XXXX credit card from the bank, which I had a credit of {$500.00} to cover the expected bills, while I am undergoing treatments for XXXX, I got online to check my credit card for the payment made and found that I have XXXX in my account as of XX/XX/year>. I called the number on the back of the card and talked to someone named XXXX, and he told me 3 different things : first he said he took out the money and deposited it into my savings account because noone can have a credit on a credit card. I checked my accounts and No deposit was made and then when I told him my account did not show a deposit, he said wait while I check again and when he came back on the line he stated he had written a check and sent it out on the XXXX of XXXX and because the XXXX was a holiday I should wait a few more days for it to get here. Then he said to wait again while he checked something, came back on the phone and said it appears that my money was put in another persons account and when he found it he would issue a check for a refund. I have been patiently waiting for my money to get here as I am on a very limited income of XXXX a month from Social Security and that is putting me in a bind financially. I did call my local bank to report this and the lady said she would call XXXX and see what he said and call me back. About an hour later she called me back and not very pleasant said that XXXX told her he sent out a check on the XXXX of XXXX and she told me to just wait for it. It is now the XXXX of XXXX and no sign of any refund in my accounts or mail. The Bank is Huntington Bank. I did send out a registered letter to corporate office in Ohio and still awaiting a response from them. I believe something is amiss and I am very comcerned because this XXXX person seemed to have too many explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the the response of the initial investigation of the 3 major credit bureaus, I'm now demanding the Method of Verification used in the investigation of the following re disputed accounts within this writing that's now being disputed again. It is my rights, my consumer rights to know the details of the investigation. What is the name of the employee who investigated this, what's their title and whom did they contact and how. What physical certified documentation used to substantiate these accounts. If you or your company can not provide such information in a timely manner then these accounts shall be blocked immediately in accordance with the FCRA. Please remove these accounts inwhich is not mines, accounts inwhich I have no contract with. These accounts are fraudulently put on my report and I would like them block permanently and immediately. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$5600.00}, ( 2 ) XXXX   XXXX {$2800.00}, ( 3 ) XXXX XXXX XXXX {$2400.00}, ( 4 ) XXXX XXXX {$680.00}, ( 5 ) XXXX XXXX XXXX {$140.00}, ( 6 ) XXXX XXXX XXXX {$680.00}, ( 7 ) XXXX {$72.00}, ( 8 ) XXXX XXXX XXXX {$71.00}, ( 9 ) XXXX XXXX XXXX {$30.00}, please remove these accounts.
Product: Debt collection

PLEASE, THESE ACCOUNTS ARE FRAUD AND ALL UNAUTHORIZE. PLEASE TAKE ACTION IMMEDIATELY
Product: Credit card or prepaid card

I opened a credit account with Comenity Bank for merchandise I ordered from XXXX in XX/XX/XXXX for {$1400.00}. 

There was a 0 % promotion that expired in XX/XX/XXXX. All my payments were on time and paying down my balance. Then in XXXX the promotion expired, so they charged me interest. The problem is that the statement says that the XXXX is 27.99 %, and my balance at the time was {$260.00} - so that should be {$73.00} in interest right? Instead, they charged me {$260.00} in interest - they charged me interest on the entire balance I had originally borrowed, including the balance I had already paid off! How can they charge me interest on money that I had already paid back?!?! And why does n't the interest rate they show on my statement reflect the real interest I 'm being charged? 

And since then they 've been charging me more interest every month and late fees on top because I opened a dispute and they rejected the dispute. 

This is completely unfair and predatory. They 're wait times are astronomical so I can barely talk to anyone. Please help!
Product: Mortgage

Our loan was scheduled to be closed on Friday, XX/XX/XXXX at XXXX. This has been the date for the entire loan application process. Today ( Tues XX/XX/XXXX ) our realtor received a call from our lender 's closing department informing her that the Settlement and closing documents are being sent out today to review online, and " due to new guidelines '' and citing a holiday tomorrow XX/XX/XXXX the closing now has to be postponed until Monday XX/XX/XXXX. This is not necessarily a complaint against my lender. This is a XXXX customer who now has to re-schedule moving company, allow the seller an extra 3 days of lease after the delayed closing date due to the fact that they have to close on this house prior to closing on their new house, all because of these " Know before you owe '' guidelines that " will not cause any delays ''. In the real world, they do cause very costly delays. There needs to be a way that mortgage applicants can choose to waive these new guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
Product: Mortgage

I applied for a refinance cost out mortgage in XXXX 2016. I was conditionally approved within a short time. I have not been able to close on this loan, for reasons I believe are pretext to disguise discrimination on the basis of my age, XXXX, and race, XXXX.
Product: Credit card or prepaid card

I wanted to let you know that Citibank has been calling my work and my Mother 's house and has continuously been pretending to be someone else in order to get me to call them back. I have been trying to work with them but at this very moment after theiere interest and all the late fees I am currently not able to do so. 

I still feel just because I can not pay them as of today they should not be allowed to call and harass me and not only that call and pretend to be someone else. The have continuously called not only my family but they have also called my Mother 's home number and I have asked them to stop but they keep calling.
Product: Credit reporting

There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle.