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

I mailed a letter to Experian on XX/XX/XXXX requesting method of verification for accounts that are inaccurately reporting on my credit report. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Experian received my letter on XX/XX/XXXX and mailed me a copy of my credit report dated XX/XX/XXXX which I received in the mail on XX/XX/XXXX. However, the credit report is not what I requested. What I requested was method of verification. Furthermore, the credit report stated that Experian contacted the companies and verified the accuracy. I never asked Experian to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Experian spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Experian claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Experian has been unsuccessful in providing method of verification for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I demand these inaccurate accounts be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.
Product: Credit reporting or other personal consumer reports

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. The following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I want to make it clear that I am not playing games here. I genuinely believe that I am a victim of identity theft. I've provided you with all the evidence, such as my FTC report, and it's disheartening to feel like you're suggesting I made a mistake or lied. I need you to reconsider and ensure accuracy this time. Other credit bureaus like Equifax and XXXX have already removed these accounts from their records due to their inaccuracy, so I'm left wondering why you're still reporting them.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It XXXX Concern : On XX/XX/year>, I contacted XXXX at XXXX XXXX XXXX in XXXX, West Virginia, regarding a XXXX XXXX XXXX. During our conversation, I was quoted a lease price of {$XXXX} for the vehicle, including delivery and Virginia sales tax. I authorized the dealership to proceed with the purchase. They subsequently altered the price to {$XXXX}, bait and switch? 

I explicitly informed XXXX, the sales XXXX, that my personal banker at XXXX Bank advised the dealership should not pull my credit. Instead, they were instructed to submit the necessary information directly to XXXX Bank. I even confirmed this instruction via text message and herein submit relevant photo evidence. 

Despite my clear instructions, XXXX XXXX XXXX proceeded to pull my credit report from all three credit bureaus without my consent. Additionally, they had XXXX Bank initiate a credit inquiry. As evidence, I have attached the relevant text messages as well as a XXXX file of the inquiry reflecting at each of the credit bureaus. 

Due to this unauthorized credit inquiry, I decided to cancel the entire deal. I promptly notified all three credit bureaus about the situation, but unfortunately, they have been uncooperative. Furthermore, XXXX XXXX XXXX has failed to honor their promise to remove the inquiries. 

I kindly request your assistance in resolving this matter. I believe that XXXX XXXX XXXX 's actions were not only unethical but also illegal. Please investigate this incident and take appropriate action to rectify the situation. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

The Name of this company : XXXX XXXX, is in and/or XXXX, XXXX, VA. The onething that I am complaining about is the fact that they tape phone calls. Does n't it say under federal quidelines, that if you tell to stop taping your phone call they have to stop it. This was in the front of my phone book. If I do n't want the call taped, they have to honor that request. Well this company, flat out and I mean, flat out and will not obey this rule. Their excuse is this. Well we have to see how our people are doing. Tough is my comment. The federal law is above your company and you ca n't do against that. Over several yrs back, I contacted them, about things on my credit report. They were doing the same mess. What I did was get an address and an amount and them send them a certified letter to the CEO of the company in the mail. That way they got their money and the bill etc was paid. But I do n't like this, when as " myself '' as an consumer, I ca n't get a collection company to obey the law. The bill is paid now. I went back to the original company and told them what was going on, and I paid it, at my appointment. Apparently they are very familiar with this company and the illegal games they play, but basically do n't much care. Sir, pls do something about this company. I hope that I never have to contact such a rude and law breaking company such as XXXX XXXX again. Next time, I speak with the CEO, and that 's it, and ask him/her, why his/her company is disobeying the law. Pls do something. So this do n't happen to anyone else. This is not right, legal etc. Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

Account number ending inXXXX XXXX XXXX XXXX I opened my account in XX/XX/2020. I was promised before opening my account that if I spent {$500.00} or more in purchases within the time given by Capital One I would receive my {$150.00} bonus. I met these requirements but Capital One has refused to give me my bonus. 

This is the email I received from Capital One. 

To earn this bonus, you needed to spend {$500.00} on purchases within the first 3 months of account opening. As of the date of this letter, you have not made at least {$500.00} in purchases, however, per your request, we have extended the time period for you to make purchases to qualify for the rewards bonus toXX/XX/2020 as a one-time courtesy. 

By XX/XX/2020 I had spent a total of {$530.00}. Therefore, Capital One owes me my {$150.00} for the new customer bonus cash and needs to be credited to my account ASAP.
Product: Checking or savings account

XXXX I put my money in a.ATM. and the machine closed.down in.the middle of my transaction for {$600.00} and they had me file a claim dispute and my claim was denied Chase Bank in XXXX XXXX XXXX XXXXXXXX I made a transaction for {$120.00} First the the {$600.00} so that is the date and time on the XXXX receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request to all Experian and XXXX  regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.
Product: Mortgage

I am writing to lodge a formal complaint against LoanCare regarding an unresolved issue with my escrow refund check. I received a letter from LoanCare dated XX/XX/XXXX, informing me about an unclaimed check from my mortgage loan which was never cashed. The letter stated that a check in the amount of {$2100.00}, dated XX/XX/XXXX, had been issued to me but was never cashed, and they are holding the funds for me. 

Upon receiving this notification, I have attempted multiple times to contact LoanCare to confirm this information and request the issuance of my escrow check. However, each time I have called, I have been unable to reach a representative, and my calls go unanswered. 

This situation has caused significant inconvenience and financial distress, as I am in urgent need of these funds. I am concerned about the lack of response from LoanCare and their failure to provide the service and support necessary to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

This response by XXXXXXXX XXXX XXXX  indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and XXXX XXXX  XXXX, or my non-public private information, to be furnished or published by XXXX XXXX  XXXX, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, TransUnion, XXXX, XXXX, and others. As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within 5 business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages.

Furthermore, charged-off are income according to the IRS but XXXXXXXX XXXX XXXX failed to send me 1099C using this deceptive tactic to continue to harm but also for their financial gains.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 700 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account name : XXXX Account number # XXXX Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX  Account number # XXXX Account name : XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX 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.

15 U-S-C 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 relating to a consumer reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, I had an overdraft due to an unexpected bill posting the day before my paycheck. There was an overdraft fee of {$35.00} charged for that transaction, which is excessive considering the process to handle these items is automated and should only cost the bank pennies. I was more surprised to have another charge of {$20.00} at the end of the month. When I called, I was told that was because my account went negative at some time during the month, and that is just what the bank charges. The representative ( call on XX/XX/2024 at approximately XXXX XXXX ) did nothing to help me. This is ridiculous to have a {$55.00} fee for one overdraft.
Product: Mortgage

With Regards to Loan # XXXX On approx XX/XX/2021, XXXX from Freedom Mortgage called me asking if I would be interested in refinancing my existing mortgage. Freedom mortgage has been reaching out to me for at least 6 months at this point to reduce my current APR so I finally caved and started a refi application. My credit score came back around XXXX however, I was told by XXXX that my APR would only go down from 2.875 to 2.41 which would only reduce my monthly payment by $ XXXX/month. She stated she would get with her management team to get a pricing exception and would get the rate reduced to 2.25. I thought this was fantastic and waited for her to get the necessary approval. I waited a day or two and never heard back and finally reached out to her and was told the request is still pending management approval. Then, on XX/XX/XXXX, I receive a letter in the mail saying my loan application has been withdrawn and cancelled. THIS WAS DONE WITHOUT MY CONSENT/APPROVAL and I have no idea why Freedom Mortgage decided to make this decision on my behalf without even getting my acknowledgement and approval. I called back again and was told management denied my pricing exception request. Mind you, it was not me that reached out to Freedom but Freedom mortgage reached out to me to get this rate reduction. However, now, I am left with a credit inquiry on my credit for no reason. If my rate reduction was only from 2.875 to 2.41 then, why wasnt their representative diligent enough to determine this would have been a huge waste of everyone 's time? Instead, I am left with an inquiry on my credit for no reason. Not just that but this no good inquiry will impact future applications. I am demanding they right this wrong by giving me the 2.25 % APR their representative had promised me. Again, I didnt want to do this, it was their representative that started this whole mess and then left me high and dry. This is unacceptable behavior and an unethical way to treat a prime customer as myself.
Product: Checking or savings account

I incurred 3 late payment/returned payments fees due to not having access to my direct deposit ACH through Capital One checking account throughout XX/XX/XXXX - XXXXXXXX XXXX 
These were bills I had setup on auto pay for XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

XXXX XXXX XXXX  XXXX XXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated.
Product: Checking or savings account

was charged for NOT writing checks. Was told by Wells Fargo people at the XXXX XXXX XXXX FL office there would be no fees involved for having just a simple savings account with them. Being from out of state of FL and a winter resident only, I was trying to get established in the banking community in FL.
Product: Money transfer, virtual currency, or money service

XXXX had a scheduled maintenance window from XXXX to XXXX EST. It is now XXXX and their site is not even up. Support requests have gone unanswered, and no notifications or updates have been made on any public channel ( e.g. XXXX ). 

They hold significant amounts of US currency in my account which I no longer have access to.
Product: Credit reporting or other personal consumer reports

I have 4 hard inquiries on my report that were said to be pre approved offers from XXXX and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on XXXX. I will like these inquiries removed thank you. 

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

I sent a letter earlier this month asking Equifax to update my personal information, I sent in all the documents they requested to verify it was me on XX/XX/XXXX, XXXX XXXX. I checked my credit report to today and to my surprise, they are still reporting incorrect information even though I asked them to update my records, this is becoming frustrating because i wan na move forward but this company is making it very difficult. I sent a copy of my I.D, SSN card and A piece of mail with my information matching the Address on the I.D . Letter is dated XX/XX/2022.
Product: Debt collection

I have called and made payment settlement and have paid the amount promised. I was told that the account would be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I have to alleged accounts posted on my credit report XXXX XXXX XXXX These 2 accounts have been reporting on my credit report for about 8 years now, I tried repeatedly over and over to get my results from the credit bureaus & to get them to stop reporting this false information on my account but every time I reach out to them I get no follow up answered been trying for years. The alleged account has multiple errors posting to my account 1. Statue of limitations account was opened in XXXX we are now in XXXX thats 8 years 2. Address not on my credit profile for the original allege debt XXXX.Disputed in the pass and failed to contact me back regarding my dispute 4.Account is no longer report to my XXXX report 5.Account payment history is inaccurate and reporting wrong There are 2 of the DEPT OF EDUCATION accounts First Account is in the amount of {$2000.00} Second account is in the amount of {$1200.00} Information to verify me with the bureaus XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and Experian Clarity Report are using my incorrect information on their credit reports, as well as addresses I have disputed, and they have lied, committed forgery, fraud, and violated the FCRA and Trafficking Victim laws, as well violating my 8th amendment right against cruel and unusual punishment, by allowing the name I was trafficked under to be used on my reports, and continue to deny the removal of fraudulent accounts, even though no law will enable them to keep fraudulent accounts on a credit profile, further showing what XXXX XXXX XXXX XXXXXXXX, Experian truly is. They have also allowed the fraudulent addresses to remain on my report and have knowingly committed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

To AMERICAN EXRESS, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given, verbally, non-verbal, written, or unwritten per 15 USC 6802. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Venmo froze my account and did not make my funds available which was over {$3000.00}, I tried to reach out provide any information neccessary to solve my issue but they didnt bother helping or providing a resolution.
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 USR 1681. account name -XXXX XXXX XXXXXXXX account name -XXXX XXXX XXXX XXXX account name - XXXX XXXX XXXX XXXX number XXXX Account XXXX XXXX Bank Account number - xxxx Account XXXX XXXX Account Number - XXXX Account Name XXXX XXXX  Account Number- XXXX Account Name XXXX XXXX XXXX Account Number- XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Bank Account Number- XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than XXXX years, 15 U.S.C 1681s-2 ( 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 is inaccurate.
Product: Credit reporting or other personal consumer reports

Earlier today, I was disheartened to see that unauthorized inquiries had appeared on my credit report with no explanation. I routinely check my credit report, and this is the first time Ive encountered such an issue. Despite refreshing the page several times in hopes of fixing a possible error, the inquiries remained. This has caused me significant frustration, and I would like the documents Ive provided to be examined carefully so this never happens again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, which are the result of identity theft. Despite providing all required documentationincluding a police report, FTC Identity Theft Report, government-issued ID, and proof of addressEquifax consistently responds within XXXX hours stating that the accounts are accurate. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts have been inaccurately reported on my credit file as a result of identity theft : XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX, and XXXX. ) XXXX XXXX XXXX. 

I request that the CFPB take immediate action to hold Equifax accountable, ensure compliance with federal law, and require them to provide evidence of a thorough investigation into my disputes. Additionally, I request the removal of all fraudulent accounts from my credit report and written confirmation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card is current with all on time payments BUT the payments of XXXX XXXX, XXXX and XX/XX/2019 are reported late INCORRECTLY. I suggest and request capital one to remove these late payments. 
If this reaches to the correct department please listen to the recorded call in XX/XX/2019 on which your representative set me on automated payments and enrolled me in a program which i followed. 
Please dont put me on a mistake which your repetitive made.