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

My information was exposed in a data breach. These accounts do not belong to me XXXX XXXX Bal- {$5600.00}, date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX- Bal- {$440.00}, date opened : XX/XX/XXXXXXXX XXXX
Product: Mortgage

This account was paid in full by the previous owners bayshore Wolverine capital by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the XXXX days late to be removed from my co borrower and my credit report immediately. We never been XXXX day or more late why would we be XXXX days at pay off time? I lost XXXX points on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that triad Financial remove the XXXX day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this XXXX late on my credit report stops me for doing anything with this blemish from XXXX financial. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed 30 day late from a successfully removed account. This was my complaint last month. 

I have new complaint this month as of XX/XX/year>. The same issue has occurred for the month of XXXX. My Wife and lost out on homes that we were trying to purchase the past XXXX months. Now we had to rent for nothing for a year because of these constant XXXX late Triad Financial keep putting on our credit reports damaging our credit. XXXX requesting XXXX stop this XXXX late debacle on my wife and i credit reports remove XXXX late immediately.
Product: Credit card or prepaid card

The main complaint is on Citibank XXXX XXXX refusal to initiate a chargeback per Visa regulations on a merchant XXXX XXXX XXXX  in XXXX. 1 ) When dispute is initiated under dispute Case # XXXX, many evidences submitted are lost in its computer system. 2 ) When I discovered false claims from XXXX XXXX through a helpful service rep and then reported, there is no follow-up with me from the investigation team. In fact, there is XXXX inquiry with me from XXXX XXXX throughout the dispute. 3 ) When being confronted with conflicted claims in writing from XXXX XXXX, XXXX the supervisor of investigation team refused to consider them. 

Summary of Incident with the merchant XXXX  XXXX XXXX  XXXX : On XX/XX/2018 the car rented from XXXX broke down on a rural highway in XXXX. XXXX XXXX claimed it was an incidental damage and, under this presumption, I paid the damage amount of XXXX {$5600.00} with my XXXX XXXX XXXX ( Attachment 1 ). Later one, after repeated requests, XXXX XXXX found no proof for any accidental damage on the car ( Attachment 2 ). But they refused to refund the charge. 

Citibank claims per supervisor XXXX : XXXX charge you for the damage of the vehicle under my procession. So there is no misrepresentation of the charge. 

My counter-argument : XXXX XXXX made the false claim of the damage due to an incident. Under this claim I paid the damage. Then they admitted in writing that they are unable to find any evidence of incidental damage. Thus under the rental term ( Attachment 3 ), XXXX XXXX should responsible for the damage. They gave me a false claim of incidental damage at the time to trick me into making a payment. This is a classic case of merchant misrepresentation per XXXX chargeback rule. 

More information are available upon request. Since my wife is the primary card holder for Citibank XXXX XXXX, some of the documents are addressed to her name XXXX.
Product: Payday loan, title loan, or personal loan

I contacted XXXX XXXX and their collections agency XXXXXXXX XXXX XXXX regarding a pay in full settlement for account # XXXX. On XX/XX/2020 XXXX XXXX XXXX processed my payment in the amount of {$1300.00} as payment in full and on XX/XX/2020 sent a letter to me confirming that the account listed above has a balance of XXXX. I then dispute TransUnion 's and XXXX  's reporting of a remaining account balance of {$1500.00} but both credit reporting agencies ( CRAs ) respond that the balance is correct. This is impossible as I have evidence of payment made and payment receipt. Per the Federal Credit Reporting Act ( FCRA ) once I submitted my dispute the credit agencies are supposed to reach out to XXXX XXXX to verify account information including balance due in order to ensure my credit report is correct. Per the FCRA the furnisher of information to a CRA is bound to provide accurate information. That said it appears that both CRAs were given incorrect information by XXXX  XXXX  which is a violation of the FCRA and allows me the right to sue in state or federal court. A copy of this complaint has been forwarded to the XXXX XXXX XXXX XXXX Illinois and other appropriate entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have my current address incorrect. The address XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report.

Inquirer : In detail, you recorded that I had non-sufficient funds with [ TUIST BANK  ] on or around [ XX/XX/XXXX ]. I am disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record from [ TRUIST BANK ] and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX
Product: Credit card or prepaid card

Apple card responded to a prior complaint stating the dispute was reopened, I was given a temporary credit and they send information to me to respond to complaint. Despite numerous calls and feedback through prior complaint here - still No contact with anyone dealing with dispute, letter sent to me had no details on it. 

However new issue is that company has removed from account credit limit the amount under dispute. Punishing me the client and restricting my ability to use card. This is unacceptable - why issue me a credit thrn take way the ability to access that amount.
Product: Credit reporting or other personal consumer reports

I am contacting Equifax in regards to the recent response to my CFPB Complaint # XXXX. Equifax has investigated the account NATIONAL CREDIT SYSTEMS in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/year>, asking for verification of method of investigation. Equifax has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX XXXX as it is in violation with FCRA. Thank you,
Product: Money transfer, virtual currency, or money service

On XXXX I received a notice from Discover Bank that XXXX was no longer available to me because I enrolled in the service after XXXX. I had transfers in progress at that time which did not complete due to this action. Subsequently I opened a new bank account at a XXXXXXXX XXXX  and attempted to enroll in XXXX. I received an error message. I contacted Discover Bank to ask that they unenroll me from XXXX, which they said they had done. I tried to enroll in XXXX again via XXXX and received the same error as before. I asked XXXX to look into the issue, and they said a ticket was opened but there has been no response. I spoke with Discover Bank a few times and they would not tell me why XXXX was made unavailable or when it would be available again. 
I have communicated with others on XXXX and XXXX who have similar issues. 
XXXX ( XXXX ) I received a response from XXXX via XXXX that I should call their customer service phone number and spoke with someone who told me my phone number and email address were placed on a restricted list. They will not tell me why I was placed on the restricted list or how I was placed on the list and indicated that there isn't a way to get off the restricted list. 
I am not aware of any issues with transactions on my accounts or any fraudulent activity. 
I did speak with someone in the executive offices at Discover Bank who alluded to Discover notifying XXXX that a large number of accounts were fraudulent, and that this may have been in error. 
I would like to be able to use the XXXX service again but am unable to do so due to being placed on the restricted list. So far as I know I have not used the XXXX service in a way which would violate the terms of service or any regulations. 
I believe that there are many others in a similar situation and that this is due to an overzealous attempt to prevent fraud, but it has restricted my ability to send and receive money from friends and family. 
I request assistance in resolving this issue.
Product: Debt collection

I was contacted by the collection agency via mailed letter. The letter did not include the validation of debt notice and it also threatened litigation. This letter was received over a year ago. I responded in writing to inform the agency that they had not provided me with an opportunity to dispute. I also disputed the debt in my letter telling them that when I moved into the apartment the carpeting was soiled with pet stains. I have proof of the communication with the landlord from when I moved in when I notified them of the soiled carpet. I received no response from the collection agency. This collection item is listed on my credit bureau report. I had several conversations and provided numerous emails to the property management company detailing why I should not have to pay for carpet that was not new and already soiled and damaged when I moved in. I have the original emails going back to the time when I moved into the apartment proving my claim. I lived there for two years and encountered several other problems including A cockroach infestation overflowing from a neighboring apartment and regular instances of people smoking in the non-smoking building. I paid a nonrefundable pet deposit and always paid my rent early or on time. I had also paid to have the apartment professionally cleaned through the recommendation of the landlords stress free plan upon moving out. Social media is rife with these types of complaints about this particular property and property management company.
Product: Debt collection

Ive reached out to XXXX XXXX and my debt is paid but they will not remove it from my report
Product: Credit reporting

In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and " XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, have all violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Received freedom unlimited card today XX/XX/2023 and never applied for it. Once received I contacted companies fraud department to close account.
Product: Checking or savings account

On XXXX XXXX, 2020 I deposited to my 360 Checking account with Capital One Bank a {$5000.00} personal check written to me from a friend. The Bank put a four day hold on the funds as is usual. On the fourth day I checked on the account and found another hold on the funds. I was not allowed access to the funds and a note was written on the account instructing me to call the Bank, which I did. Upon calling I was routed the the security department and subjected to questioning about the funds as if I was a criminal. I was asked : Do you know the person who sent this check? Ans : Yes ; Why did she send you this money? Ans : To hold for future use ; How long have you known this person? Ans : Over 20 years ; Why would a friend just send you this amount of money? Ans : To hold for future use ; Before we can release these found we will need to call this person and verify who she is. Ans : NO that is an invasion of privacy. 
When asked why they were doing all of this no satisfactory answer was given. Just because we can will not work. 
The funds for the check have been withdrawn from my friends account and sitting in my account at Capital One. Capital One is benefitting from has these funds and I do not have access to the funds. 
I have been a customer with Capital One for over 15 years. I have a car loan, credit card and personal account with transactions during the month of XXXX for over {$10000.00}. If I was a crook it would have revealed itself by now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Considering the recent CFPB lawsuit filed against Experian on XX/XX/XXXX, I insist that you conduct a thorough investigation as required by FCRA law. Please do not accept the findings of furnishers who fail to provide detailed results of their investigations. I would appreciate receiving these findings in writing, as I want to ensure that the information reported is accurate and fair. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Someone fraudulently is running my credit to get a car on XXXX There are 6 new inquiries on my Equifax credit report. These are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are fraud
Product: Student loan

AidVantage is charging interest on student loans despite the SAVE program 's terms.

When queried, they provided in a separate communication that {$170.00} of interest was removed for the month of XXXX. 

However, this is not reflected on any statement, any online " recent transactions '' ledger or anywhere. My accounting provides that more than {$170.00} was charged, but I can not reconcile this number, as their statements provide no accounting for accrued interest and removed interest ; yet, my balance continues to climb every 2 days. 

AidVantage has a requirement to provide clear and accurate statements, which they are not doing. I am separately pursuing criminal charges against AidVantage for willful fraud due to this lack of transparency. This balance is over $ XXXX and I will not be defrauded by a company that refuses to demonstrate their charges. You guys need to do something about these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor.The following inquiries were not authorized for any permissible business purpose : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX we received our Escrow Account Summary. It showed our insurance and tax disbursements were doubled. Our monthly payment went from {$1200.00} to {$1400.00}. Just a side note : We have also been paying more towards our mortgage and we are now one year ahead on our payments. We have tried to find out why our escrow and payments are increasing and no one can give us an explanation. For example : Our insurance is {$990.00} yr and our taxes are {$5100.00}. But, when we see our Escrow disbursement history summary, its doubled.

Insurance Last year 's projected disbursements are {$900.00} Last year 's actual disbursements are {$1900.00} Taxes Last year 's projected disbursements are {$4600.00} Last year 's actual disbursements are {$12000.00} Total disbursements from escrow Last year 's projected disbursements are {$5500.00} Last year 's actual disbursements are {$12000.00} We also received an Escrow Account Disclosure Statement telling us that the total monthly payment is changing starting XX/XX/XXXX and there is a ( XXXX ) -month escrow shortage. 

This does not seem legal and no one can explain in detail why after we are XXXX year ahead of payments, our mortgage payment and escrow has increased so much. Its like we are being discriminated against for making extra payments. Something is definitely wrong with this. We have contacted the branch, corporate and the mortgage department with no help whatsoever. We can not even go to a branch to help us because no one handles mortgages. They can not even provide us with a mortgage representative for an in person in-depth conversation to resolve this or provide explanation or advice.
Product: Debt collection

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JEFFERSON CAPITAL SYSTEMS XXXX...
Product: Debt collection

On XX/XX/2024, at XXXXXXXX XXXX XXXX, I was contacted by XXXX XXXX from XXXX regarding LVNV Funding LLC. I promptly sent them a dispute letter, informing them that I was a victim of identity theft. They agreed to stop the collection efforts. However, this week, they added XXXX collections to my XXXX file, causing my credit score to drop by XXXX points. 

It has been more than 30 days, and they have failed to respond to my request for validation as required by law.