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

I recently came across the CFPB Experian lawsuit regarding Experians failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my auto loan account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 2019
Product: Vehicle loan or lease

Received a loan through Credit Acceptance for a used car. They make you purchase gap insurance which adds to cost and payoff but can kind of understand but they also make you pay for a XXXX year service agreement with a fraudulent Warranty company they always use that never helps the consumer in anyway. You never get your car fixed because they make consumer have to pay the car repair company to tear your motor apart before they fix and or like my case they won't last for a timing chain that going bad and want it to break completely but if it destroys motor they won't cover. They continue to make the consumer have to pay to tear motor apart and then deny claims. There's a long list of complaints with Credit Acceptance and there is of this company for worthless Warranties that never cover anything but charge consumer on there loans that makes there payoff more than car worth. They take advantage of poor people who struggle with credit almost like payday loan companies do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to file bankruptcy due to issues I had with identity theft. I called Navient after I was told by the attorney of the balance with Navient. It was around 30,000 of debt. Debt for schools I have not attended. I called Navient often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to Fl in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the Dept. Of Education and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX College XXXX XXXX College XXXX University XXXX XXXX College XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the time of enrollement. Regarding my income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.
Product: Credit reporting or other personal consumer reports

1. They were negligent in sending too much money from my Escrow account to my insurance company. That is how this whole incident started yet they will not own up to it. I had NEVER been late nor missed a payment until they went up on my mortgage because they had made a mistake.

2. They sent me a letter in XX/XX/2023 stating that my mortgage would go up from {$1700.00} to {$2000.00} for one year starting in XX/XX/2023.

3. When they got the money back from the insurance company and did another escrow analysis that brought my payment back down in XX/XX/2023, I got NO letter nor was I informed.

4. Please read my letter.
Product: Debt collection

I am writing to bring to your attention a matter of significant concern regarding my credit report. After a thorough review, I have identified several accounts that I believe are a result of identity theft. I demand the immediate removal of these accounts as the reporting entities have failed to provide sufficient evidence to verify the legitimacy of the debts. I have attached copies of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report number XXXX, as well as supporting documentation to substantiate my claim. I request a thorough and immediate investigation into this matter, and I insist that you comply with the FCRA by removing these inaccurate and fraudulent accounts from my credit report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover sent a letter to me stating they were in error for charging me late fees and credited my account in XX/XX/2017 {$930.00} with interest. I call discover to update my credit report not to show times late and they have not done so. I submitted a dispute with XXXX  which they sent to discover and still did not change the late times on the report.
Product: Debt collection

I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My XXXX XXXXt Account ( XXXX XXXX ) was part of the program At some point XXXX sold the account to Midland Credit Management. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be Midland Credit Management. XXXX XXXX XXXX more specifically XXXX XXXX XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact Midland myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by Midland their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the XXXX XXXX   XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Checking or savings account

I opened a Capital1 XXXX XXXX XXXX in XX/XX/XXXX and met the stated terms and conditions to receive a {$500.00} welcome bonus ( via promo code XXXX ). However, despite telling me on XX/XX/XXXX via a recorded chat ( that they confirmed having ) that I had met the terms and would receive the bonus within 60 days, they have denied me the bonus, citing that though I did meet the terms of the deal, I did not meet their intentions and they would not be paying the bonus. 

I cycled deposits from external accounts to exceed the {$50000.00} deposit amount required to meet the conditions of the bonus XXXX terms copied here from their email advertisement on XXXX " Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. '' Capital 1 is informing me that I had to have a balance of greater than {$50000.00} in the account at XXXX point. But the terms say " deposit at least '' and not " a balance of at least. '' One agent informed me that the terms were muddied and that there is technically no reason why what I did would not have qualified me for the offer, but that they were not going to pay it out because their legal and risk team had reviewed it and told them not to pay it. 

I feel taken advantage of by a big company with a legal team that is openly stating that I met the terms and conditions, but not their intentions, and that therefore they would not stand behind their terms and conditions. Additionally, they verified that a chat agent told me I would receive the bonus ( at a time when I still had 20 more days to do something different to meet the terms if they told me at that point I had not met them ). 

I have written documentation via email, time stamps for phone conversations, and other documents for all of this even confirmed via Capital 1, but they will not honor their terms and conditions. 

Phone Conversations were initiated on XX/XX/XXXX at approx XXXX -- ET, with specific remarks in question between XXXX ET and my final conversation with a representative named XXXX on XX/XX/XXXX at approx XXXX -- ET. 

My reference ID for this case via XXXX is : XXXX A similar, but less detailed complaint also will be submitted on behalf of my spouse. Because of issues with my account, we have not tried as much to get it paid, but have been denied it still.
Product: Checking or savings account

I started out as an XXXX  XXXX  customer in XXXX, with a high yield savings account ( XXXX  ). XXXX XXXX was subsequently acquired by Capital One and my XXXX  was renamed a Capital One 360 Savings account and the communication at the time was that everything would " stay the same. '' However I discovered in XX/XX/XXXX that Capital One was offering a similarly named product ( Capital One 360 Performance Savings ) that was providing a significantly higher interest rate, as my XXXX  was supposedly doing. Upon inspection, I noticed that the interest on the Capital One 360 Savings was no longer offering a competitive rate and had in fact been stagnant at 0.30 % for nearly 2 years prior to that!! The rate did not automatically increase as it had in the past and because of this, I was not earning the interest I thought I was. Converting the existing Savings account to a Performance Savings account was not an option, so I immediately created a brand new Capital One 360 Performance Savings account and transferred most of my funds to the new account to get the higher interest. I just saw the lawsuit that CFPB brought forth and want to ensure I am covered as I was duped out of thousands of dollars in interest due to this deceptive practice and the unfulfilled promise of offering Capital One 's best rates for the product in question.
Product: Credit reporting or other personal consumer reports

Unable to obtain my free TransUnion annual credit report unable to file disputes as well
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more th an 10 times  explaining the info is inaccurate.   XXXX   constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.
Product: Payday loan, title loan, or personal loan

Good Morning I apply foe a personal loan on XX/XX/220. The company stated that I was approved for the loan. I would to apply for the loan. I removed my security freeze from my credit report and went through the process. I was declined. I would have never apply for the loan.
Product: Credit card or prepaid card

I have XXXX XXXX XXXX credit account, managed through Synchrony Bank. I bank constantly adds late charges to my account where there are none due. This first time this happened is XX/XX/XXXX ( please refer to statements from XX/XX/XXXXto XX/XX/XXXX ). I constantly receive collection calls and when I attempt to respond and resolve the issue I am met with incompetent customer service people who English is not good and will not investigate the issue. I have to take my time to research and the issue. Since this is an error on their end they should provide the proof the my account is late or past due. These is by design on Synchrony part to harass customer they feel do not understand credit because one chooses to do business them. This equates to Fraud.
Product: Debt collection

I sent Mid Atlantic Finance Co. a request for validation of a debt on XX/XX/2020 and they received it on XX/XX/2020. This alleged debt was already paid for and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
Product: Mortgage

Each time I log into Mr Cooper 's Mortgage site, the payoff calculator is either there or missing. It's missing today and the agent in chat couldn't help ( see attached transcript ). They kept sending me to the general payoff calculator on their public website, not for my loan with my rate and information paid so far, etc. 
They keep hiding it. ( see attached ) Usually I login, and estimate payoff based on if I pay $ XXXX or $ XXXX. 
Seems shady that they keep hiding it. 

I do not currently have a screenshot of it with the payoff calculator but will get one as they said they would bring it back to the page- but it keeps disappearing. I'm attaching the chat transcript as well. Please reach out with questions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

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

Please remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Student loan

Please refer to Case : XXXX for all of the details. Basically, I have XXXX refund checks that were sent to the wrong address. The address has been updated, but all of those checks need to go through the entire process, including all approvals. This began XXXX XXXX the check for XXXX is in XXXX XXXX for approval, but I just learned that they are not doing approvals because they are too busy. The other XXXX checks are still being processed by NelNet. 

This is a simple address change. I dont understand how this is taking so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

This vehicle was paid in full. No late payments and should not be showing any negative marks on my credit report. This vehicle was sold and has had no connection with me since XXXX  Therefore the 3 credit viewer should not be reporting this negativity on my credit poorly.
Product: Credit reporting or other personal consumer reports

i have recently returned to the united states 2 weeks ago and discovered that someone has been using my identity, i have been out of the country for the past 11 years and had no idea that this was happening. someone opened up lines of credit under my name without me knowing about it whats so ever until i seen my mail that i was reciciving collection notices.
Product: Checking or savings account

I went to a PNC branch in XXXX XXXXXXXX XXXX at approximately XXXX XXXX on Tuesday XX/XX/year>. The location has no tellers assisting with deposits and all cash deposits must be done through the sole ATM right by the front door. This machine counts bills as you insert them in, and occasionally rejects bills that are unable to be read. I was depositing approximately XXXX XXXXXXXX {$2200.00}, all cash that I had made from my summer job. While I was straightening out my last few bills, and with over {$2100.00} counted in the ATM, my transaction was suddenly cancelled and my card was returned to me. All the money that I had just submitted had disappeared from the screen, and I was given no receipt of any kind. I informed a teller immediately, and was told I would have to file a dispute, despite my money still being right there in the machine. Additionally, all of this should have been captured by the camera on the ATM. When following up the next day after I had still not received my money, I was told it could take a month and a half to receive my money. I am a student and I need this money nownot in XXXX days. This is an extremely frustrating example of negligence that has been exhibited by this bank, and I am disappointed at how its been handled thus far.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction with the ongoing attempts to remove the charge-off account from my credit report. This marks the several time I have raised this issue, yet it still persists, greatly impacting my financial standing and opportunities. 

Despite providing all necessary documentation and evidence to support the removal of this charge-off account, it continues to appear on my credit report. This recurring issue is not only concerning but also deeply frustrating, as it undermines my efforts to improve my creditworthiness and financial stability. 

It is imperative that this matter is addressed promptly and effectively. I expect a thorough investigation into why the charge-off account persists on my credit report despite multiple attempts to rectify the situation. Additionally, I request transparency regarding the steps being taken to resolve this issue and a timeline for its resolution. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ), has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.