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

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. FCRA states that accounts which are sold can not report monthly payments, past dues nor balances. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For TRANSUNION 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
Product: Mortgage

I have requested my escrow account t be analyzed again as my property had been fully accessed for value and taxes after being built as a new home. I submitted a copy of my homeowners insurance and the tax bill from the XXXX XXXX XXXX showing yearly amount. NFCU has said that is not accurate and out a stop and hold on any further escrow analysis until XX/XX/2021. This is not accurate as Im overpaying substantially. The escrow amount should be {$280.00} per month and not {$400.00}.
Product: Debt collection

XXXX OF XXXX XXXX XXXX date of servicedid not bill insurance company evertried to collect from XXXX XXXX XX/XX/XXXX after sold to XXXX XXXX systems. XXXX was insurer of record and verified coverage and that XXXX has no obligation to pay. Now " debt '' sold to another entity XXXX XXXX XXXX XXXXand Dynamic Recovery Solutions is now billing XXXX XXXX for same {$630.00} which he is not obligated to pay.
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) Online Information Ser Account Number XXXX XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX Account Number 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 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 conviction 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.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX EXPERIAN To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. XXXX # XXXX has verified the date and stated that they are reporting correctly that any inaccuracies would fall on fault to the 3 bureaus. I filed many disputes about this issue with no results. As it continues to cripple my financial obligations to other credit companies and violate my civil rights while we try to figure out who's at fault here. 
I received a notification that I had another late payment added to my report today. No charge off account should have late payments attached to it. It is late by default. And this is a very serious violation seeing this has went on so long. XXXX has XXXX late payments attached to it. This is a deformation of my character and against several laws. Along with that each Credit Reporting agency is reporting a different balance as you will see in the attached photos and all have a different date of last activity. This account was verified and validated as being in compliance to the FCRA but how? 
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you each remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements. 
With Great Sincerity, XXXX XXXX
Product: Credit card

I am submitting this Urgent Complaint and Notice regarding my Account with CAPITAL ONE Account Number : XXXX Status : Closed Opened : XX/XX/XXXX  Fraudulent Balance : {$1400.00} This account was compromised for over a XXXX dollars in transactions, that accumulated fees and charges that were NOT AUTHORIZED BY ME and this destroyed my Credit Profile and has violated my Consumer Rights. I contacted CAPITAL ONE multiple times once I realized my card was being used by an unknown party without my Authorization or Knowledge at all. CAPITAL ONE failed to stop the unauthorized charges and transactions from going on and this lead to my Account being completely 100 % stolen and compromised with non-stop fraudulent charges. 

I continuously alerted CAPITAL ONE of this urgent matter, and they finally recently CLOSED this fraudulent account. However CAPITAL ONE continues to ILLEGALLY REPORT Late payments, Fraudulent Balances, and Fees to XXXX, destroying my Credit Report Profile. This is completely unethical and CAPITAL ONE is committing malicious attacks against me as a Consumer and this account MUST BE DELETED from XXXX Credit Report immediately as required by Law. 

This devastating experience is destroying me and my family 's livelihood because it is reporting on my XXXX Credit Report and Violating my rights as a Consumer to a fair and accurate report at all times. I have alerted XXXX numerous times of this fraudulent and inaccurate account occurrence for OVER 30 DAYS now and they have still have not deleted this account entirely from my report as required by Federal Law. XXXX is still allowing this unethical and violating Creditor CAPITAL ONE to report false and inaccurate Balances and Payment Status knowing that this account is not mine and has been CLOSED as a result of FRAUD/IDENTITY THEFT. I refuse to be a Victim of these illegal and unethical Credit Reporting Practices by CAPITAL ONE and I am demanding that this fraudulent CAPITAL ONE Account be DELETED immediately from my Credit Report with XXXX.
Product: Credit card or prepaid card

I had been paying my monthly due on time. There should not be a Late PaymenXXXX status appearing on my credit report.
Product: Mortgage

I requested an appraisal to drop PMI off my loan. The appraiser came out and looked at the home. He had inaccurate square footage and used comps that were outside the neighborhood when there were plenty in the neighborhood. He valued the home at {$1000.00} less than what was needed to drop the PMI. When I discussed the square footage dispute with Wells Fargo, they said I had to dispute it and sent out a form via snail mail. I think they just do this to continue to collect PMI. The square footage is a matter of public record. So now, I will be paying another month of PMI just to prove the appraiser was wrong. What a XXXX! This seems like their way to make appraisal money and PMI money! Also, Texas is a non-disclosure state. So they are asking me the sales prices of homes, but that information is not publically available. The closest home to ours us XXXX XXXX XXXX XXXX ( same street and also a lake lot ). It is the same floor plan, but has XXXX less garage space. In my opinion, we should have the same cost per square foot, but then add the cost of another garage space to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the First National Bank of Omaha. This account was opened due to fraud.
Product: Debt collection

They have been contacting me multiple times a day. Calling my parents who are not on the loan. Theyve contacted my aunt. Today they contacted my parents employer. They are harassing me and my family. They have given info about the loan to people not on the loan.
Product: Checking or savings account

On the XXXX of XXXX, I found fraudulent transactions from XXXX XXXX. I contacted the bank and the contact center filled my claim wrong. On the XXXX I spoke to the fraud department at Wells Fargo and she claimed to fix it and break it down into separate claims the way it supposed to be. She told me about the 60 day liability but she said it was only for XXXX and XXXX XXXX. The XXXX XXXX transaction just happened recently before 60 days. The other transaction were a year ago. I showed proof from XXXX XXXX statements and letter from them saying my account was compromised and het my money back from my bank. I was XXXX  and XXXX  and I tried to tell the bank and they acted like It didn't matter that I showed proof my account was hacked. The lady messed, y claim she filed it wrong and now they putting it on me. I have all the proof to show that I didn't make the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and transunion who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

XXXX  XXXX is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.
Product: Checking or savings account

In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, three times, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me. They have reimbursed me twice, but then charged my account again for the amount of the trip, saying that I was reimbursed in error. This is the second complaint I have filed. The original complaint was apparently closed, although I was never notified of any updates. I did not know that I had to check the website for updates, and I was never notified via email or telephone. I have also contacted the company ( XXXX XXXX ) who is now back in business, but they only thing they have offered me is an account credit for another trip XXXX filing another complaint with the Consumer Finance Bureau. I have a baby due in XXXX and can not afford to STILL be missing this money from my credit card. Also, because Capital One charged my account again for this trip, I have beeb paying extremely unnecessary interest on the credit card. I will also not be able to accept the companies offer on a credit for another trip, as I will have a newborn baby soon. Can someone please help me!
Product: Debt collection

Midland Credit Management is trying to sue for a XXXX XXXX credit card account I know nothing about and not on my credit report. They are saying I owe over {$3800.00}. They have hired local attorneys to attempt to get a judgement. I have XXXX XXXX XXXX account open on my credit reports. It is a car loan in good standing and I owe more than {$3800.00} on that one. XXXX XXXX credit card would be on my report if I owed anything and they would not have given me a vehicle loan. 
It is annoying and time consuming that they come up with bogus info and harass people.
Product: Credit card or prepaid card

On XX/XX/22 my account was closed by Citibank without warning. Account XXXX They state that because of revolving credit limits being high they want to close my account. I have not once been late on any of my bills/credit card bills/mortgage, etc. All this can be seen in my credit report that they pulled.
Product: Vehicle loan or lease

XX/XX/2020 I contacted Light Stream about applying for an auto loan. 
I submitted an online application that was completed with ease. 
XX/XX/2020 the application was submitted and I was contacted by the loan provider ( Light Stream ). 
I am an XXXX XXXX U.S. Military that is XXXX XXXX in XXXX. To complete business in America, I have to use my father 's phone number. He was contacted by a representative asking questions about my loan. He stated that I am in the military and stationed overseas ; his number is used to complete business when I can not be reached. I also give him permission to answer calls on my behalf. 
Still on XX/XX/2020 I was emailed by the representative stating I should call her for some questions. At this point, she already knew that I am not physically in the U.S. 
I called the number that was attached in my email and I explained to her that I am in the military, stationed in XXXX and I do not have a contact number in the United States. I gave her permission to contact my father and stated that he has the ability to answer questions on my behalf. As the conversation continued, I answered some questions about my application and was told I would receive a response within 24 hours. At this point the representative was told about my situation and me not being in the states physically. It was understood at this point that I was recommended by the dealership and was trying to purchase a car in the United States. 

XX/XX/2020 I received an email stating I was not approved for the loan. 
I called the company during their opening hours and spoke to a representative. It was then explained to me that Light Stream declined my loan because I am not physically in the USA. This completely went against everything I understood before. The representative I spoke to before the loan was declined clearly knew I was overseas and trying to purchase a car in the USA. At no point did she mention those guidelines or tell me my situation was against their policy. 
I continued to ask what my options were to get approved and I was constantly pushed to have a Co-signer or I would need to fly to the U.S. to make the purchase. 

If the policy would not allow me to be approved for the loan, then the representative should have mentioned that before asking me to confirm my application and processing the hard credit check. The representative in the beginning knew my situation as it was explained twice that my situation involves me being in XXXX and me purchasing a car while I am not physically in the USA. 

Additionally, nowhere on the application nor on the website does it state that the applicant must be in the U.S. If it does, it is not easily found. I attempted to email the company directly but none of the emails are reaching a representative. When I attempted to call the company, I was again pressured to find a co-sign for the loan. 

If the policy for this company demands the applicant be in the USA then the representative should not have continued with my application knowing my situation. Instead she did a hard check, declined my loan, and caused damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. IQ DATA INT. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Checking or savings account

My problem is With Ally invest bank ... I have not been able to login to my account there website is down and they never answer the phone. I have tried via email, XXXX XXXX and i have spent countless hours on hold and nobody ever answers the phone. 

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

This is XXXX XXXX and I am submitting this complaint with the help of the Consumer Financial Protection Bureau to dispute the erroneous account reporting on my Credit File. I was told to pay the balance of the account : XXXX XXXX XXXX with an account number : XXXX to have this account settled. However, I was baffled to see this account reporting as a negative account upon receiving a copy of my updated Credit Report. The Company promised me to have this account removed if I paid it, and I did so. This account was already paid, giving no rights to be reporting on my Credit File. In accordance with the Fair Credit Reporting Act, I am requesting that this accounts be completely removed from my Credit File.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, consumer adj co balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX balance {$370.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX  XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXXXXXX - XXXX Last XXXX digit of XXXX : XXXX
Product: Debt collection

This claim has already addressed by CFPB. I want a re-investigation This is about One Main Financial : Company falsely charged me and sent my name to collections for a debt I do n't owe. 

One Main has never responded to any of my letters. This is the first letter that I received from CFPB. I need company to re-investigate this claim. I am asking One Main Financial to provide me with evidence bearing my signature or any copies of documentation they have. They have replied through CFPB with a long letter with no evidence bearing my signature. I am making a final goodwill attempt to have this company clear up this matter.
Product: Student loan

I have been actively paying on my student loan for 1 year. The payment plan I'm on doesnt even cover the monthly interest. I've paid {$2500.00} since XX/XX/XXXX and my balance continues to increase. I was never made aware that my payment wouldn't even cover the interest. I called XX/XX/XXXX to ask about the income based repayment plan because I heard it can forgive your balance after 25 years. The representative quickly deferred my payment which is not what I wanted to do. I didnt want the interest capitalized on the loan so I paid {$390.00} that day. I've been paying for 1 year and my balance has only increased. When will I ever get out of debt? My loan 's graduated loan payment doesnt increase until XX/XX/XXXX and at that time it only goes up by {$24.00} which will still not touch the principal. Navient failed to adequately explain my options and never warned me that my loan balance would continue to increase for several years even while I make payments.