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

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection of XXXX XXXX  XXXX. I was abroad because I am active military and I am on duty. This is a violation according to 15 USC Section 1692a. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit card or prepaid card

I ordered a software from XXXX online. The website specifically states 2 hours for you to receive your key to use the software. The credit card processed and the charge is pending is what my card Capital One told me after i waited 2 hours. My card company gave me XXXX as the company 's phone number. I called and get a voice instruction to go to XXXX with regard to any credit card charges. 
There is nothing available at that site so I call Capital One to cancel/dispute the charge. 
If i can not prevent myself from being taken advantage of by misleading offers and shady business practices it is incumbent for the government to be a check on credit providers and companies who try to create these issues. 

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

MY EQUIFAX CREDIT FILE SHOWS INACCURATE AMOUNT OWED TO XXXX  XXXX XXXX XXXX. THIS ACCOUNT IS PAID IN FULL.
Product: Credit card or prepaid card

The SquareUp company has taken money from my card as an adjustment without ever providing the benefit of an accurate accounting explanation, verbal or banking statement that legitimately supports the deductions.This wreaks of absolute Theft and Fraud!
Product: Mortgage

by mistake my property taxes were calculated in XX/XX/XXXX without the homestead exemption. When we realized we were paying the double of property taxes, we went to our County office to get that corrected. In XXXX XXXX they corrected that and they returned to Seterus ( mortgage bank ) the money that we had overpaid. So we expected to get our money back ( {$1300.00} ) and to get a new escrow analysis because the payment for property taxes was not XXXX it is XXXX. We have called them several times and nobody has an answer for us. We also paid our flood insurance cash for ourselve and they continue charging us a mortgage payment with the wrong property taxes and with the flood insurance included. We are paying XXXX instead of XXXX. They are making us to fail in our payments because we are a family unable to pay that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed there was a balance on my credit report from Upstart. The loan was cancelled and I was trying to remove this from my report due to there still being a balance and my inability to negotiate to pay and remove this issue from my credit report. Also, the loan is listed in as a student loan. This was private loan for a coding bootcamp called XXXX XXXX ( XXXX ), which did not satisfactorily land me a job, nor were they even officially accredited at the time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

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

reporting incorrect credt availability on several accounts reporting incorrect credit balances on several accounts.
Product: Credit card or prepaid card

My card has been taken by the ATM machine, and i need the bank send me a new one to replace. But i try to contact them thousands times, no customer services help me. 
They said they have a lot of customer services help us through phone, but it is a lie! a lot of customers called them thousand times, but no answers and reply. I try to contact them on XXXX, XXXX, XXXX in the morning, because they said they work 24hr/7 days. but it is a lie. I spent 4 hours on hold just to be hung up on. Ive been calling all month, until now my problem still not solved. Horrible Horrible customer service! I can not withdraw money because i don't have card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested for my Credit report and file from XXXX, Equifax, and XXXX, only received the report. I need my whole file.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I made a XXXX XXXX XXXX complaint against Experian  XXXX XXXX. Not only did they ignore giving me information they didnt comply with the XXXX  or FCRA XXXX I have so much proof that I am willing to take further action. They didnt even respond after XXXX  told them they recommend them remove this account or they will leave a negative remark on the XXXX  account. This is what I stated! 

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting stands.
Product: Checking or savings account

Applied for bank promotion of moving {$10000.00} in new money into a Marcus savings account and holding for 60 days after enrolling on XX/XX/XXXX. For doing so, I would receive {$100.00} interest. I had completed the requirements and waited until XX/XX/XXXX to verify why the promotion had not been paid to me. Upon calling in, I was advised that I had withdrawn {$10000.00} on XX/XX/XXXX, which supposed invalidated me for this promotion. 

As I got the offer via email, there is nothing in the offer that indicates that removing funds would invalidate this promotion in any way. 

See below for language : Annual Percentage Yield ( APY ) as of XX/XX/XXXX. APY may change at any time before or after account is opened. Maximum balance limits apply. A maximum of six ( 6 ) withdrawals or transfers per monthly statement period are allowed. 

Offer valid from XX/XX/XXXX to XX/XX/XXXX. To qualify for the {$100.00} Savings Bonus, you must first enroll in this offer at https : //www.marcus.com/us/en/savings/osa-savingsbonus-1 or by calling Marcus at XXXX  ( XXXX  ) by XXXX XXXX EST  on XX/XX/XXXX. Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. Multiple deposits are allowed to reach the required dollar amount and can be made by joint owners for a joint account. 

Offer available to new and existing customers. Each customer is limited to one bonus offer, which can only be applied to a single account. For eligibility purposes, each joint owner will be treated as a separate customer. For example, if you apply the bonus offer to a joint account, the remaining joint owner ( s ) may apply this offer to another account they own if they have not done so already. 

The bonus will be deposited into your account within 14 days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 

We reserve the right to modify or revoke this offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.
Product: Credit reporting or other personal consumer reports

Fraud & Identity Theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the TransUnion, XXXX, XXXX 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 of TransUnions, XXXX, & XXXX agency submitting inaccurate information ( file attached that was sent to them ) I've attached a lists of the late payments in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, negative accounts, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, negative accounts, and late payments are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my credit that I didn't do nor recognize & this information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute regarding certain items on my credit report, and I received a response stating that the items were verified. While I appreciate your prompt response, I would like to understand more about how TransUnion investigates disputed items. 

Could you please provide detailed information on the following : Investigation Process : What steps are taken to investigate a dispute? Are there specific procedures or guidelines that your team follows? 

Verification Methods : How do you verify the accuracy of the information with the original creditor? What documentation or evidence is reviewed? 

Timeframe : What is the typical timeframe for completing a dispute investigation? Are there any factors that might cause delays? 

Resolution : If an item is found to be inaccurate, what steps are taken to correct it? How is the corrected information updated on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

ALERT TYPE COMPANY BUREAU DATE Updated tradeline CBNA XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE CBNA PO BOX XXXX XXXX XXXX, SD N/A N/A {$480.00} Showed up in trustedID XXXX It is nothing I did.
Product: Debt collection

Please review my reports. I noticed the creditors are not cooperating with my requests to remove these inaccurate accounts on my credit.
Product: Credit reporting

I received an unexpected public record on my TransUnion credit report on  XXXX   XXXX ,  XXXX  for a circuit court #  XXXX . It states that it was reported as of  XXXX   XXXX . This account has NEVER been on my credit report and I have attached proof. We are in  XXXX   XXXX , and I am concerned as to how TransUnion can report a negative public record from  XXXX   XXXX  on my report causing my TransUnion score to drop DRAMATICALLY. This public record needs to be deleted from my credit report immediately. I have attached a copy of a recent TransUnion credit report showing that this public record was not showing up on my credit file under the public records section. Here we are a year later, and TransUnion is inaccurately and illegally reporting that this public record was reported as of  XXXX   XXXX .
Product: Checking or savings account

My bank company capital one is holding my paychecks & tax return funds inside my savings & checkings bank account after they have told me Im using a personal account for business transactions, people use XXXX  commonly on XXXX, & Ive already called and talked to the fraud/risk dept, and they won't help me, after they have failed to verify the customers phone number. They have also told me they have no time frame on this investigation. I get paid every two weeks and theyre holding my paychecks in the account after someone sent one XXXX  payment for {$160.00} they decided to freeze the entire account with my paychecks in it after he decided to file a false chargeback on one XXXX  payment. I have proof and would speak to investigators, but they havent reached out for true evidence and they can not verify the phone number the customer provided. I have been with this bank for 2 years now & know someone who has banked with them for 30 years & they have ended that relationship aswell. Another customer who had a similar situation to this problem Is this guy on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, capital one is known for holding peoples funds As I am not the only one to complain about this situation, multiple customers have complained About Capital One forcefully Terminating accounts for XXXX transactions.
Product: Debt collection

The Original Creditor XXXX XXXX XXXX XXXX XXXX debt was charged off in XX/XX/year> and I am filing a complaint for being threatened, forced, harassed, stalked excessively by all communications for income garnished, house being taken, lawyers, lawsuits and excessive fees, if I didnt arrange a payment by XX/XX/year>. This was a second collections Account for Midland Credit Management. 

I'm requesting : 1 ). A Full Detailed list of payment history for account.

2 ). The Original Signed Contract I agreed to the contract for the creditor 3 ). The Insurance Claim filed on this debt. 

4 ). The Chain of Title you have to collect this debt.

According to 15 U.S.C 1692g Debt Collectors must send a written validation notice to consumers within five days of their first contact about debt collection.

According to 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications. 

I am requesting Original Signed Contract, Debt Validation, Insurance Claims, and Chain of Title to collect debt documents with 3rd Party Collection Agency Midland Credit Management for a charged off debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I never signed any other documents to repay another agency for the debt already written off, especially if a insurance claimed was filed. Im requesting a refund and cease of payments as I was coerced for payments.
Product: Mortgage

In XXXX XXXX XXXX, I called the mortgage company and requested that they cancel the PMI from my mortgage loan. I was told to send them an email message which they provided to me their email to send it to and put the loan number in the subject line and type in the email that I request to have my PMI removed from my loan and include the loan number, too. They said to me that it was 'all ' that I needed to do. So, I composed the email and submitted it to them. I was told that it will take up to 5 business days for a response. I received a letter from them dated XX/XX/XXXX which says, " Your loan had an original principal balance ( excluding finance UFMIP ) with a loan-to-value ( 'LTV '' ) ratio of less than or equal to 90 % and the monthly MIP must be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever occurs first. According to the law, it says I have the right to ask my mortgage servicer to cancel PMI on the date the principal balance of my mortgage is scheduled to fall to 80 % of the original value of my home. Also, it says that my mortgage servicer is " legally required '' to grant my request to cancel my PMI as long as I meet certain requirements which I do. Right now, I am at 65 % of the original value of my home. It was under 80 % when I put in the request last XXXX. I put in a new request on yesterday, XXXX XXXX XXXX  in hope that they would remove it. Also, we bought our home on XX/XX/XXXX. On the letter, it notates XX/XX/XXXXXXXX XXXX XXXX That is incorrect.
Product: Debt collection

They are saying I owe {$1800.00}, and the original responsibility of the debt is split between 3 people but the collection agency would not allow me to split the payment. They also continuously call during work hours when we have told them several times not to do that. If they dont contact me personally, they will contact my significant other and harass her with calls. They were repeatedly harassing me about my stimulus money, which I never received. I asked for a debt validation letter and they refused to give me one. I still have not received it. When I asked for it, I was treated very rudely on the phone and they quickly hung up. They absolutely refused to reduce the balance or make a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the multiple requests I sent. However, any modes of response or coordination were not taken on their end. The EQUIFAX Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked that the following collections agencies stop reporting to my credit report on Experian, XXXX and XXXX under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX balance {$1400.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX balance {$1900.00} XXXX XXXX Original creditor : XXXX XXXX balance {$1400.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1000.00}
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX for {$800.00}. I made a few payments and then requested to pay the loan off. I received a reply email telling me it would be done and that my payoff was approx {$640.00}. Come payday they took out the {$640.00} and an additional {$440.00} that was the std payment amount. I called them and they said they made an error and after a few hours on the phone they refunded the {$440.00}. Now they are saying the payoff amount was calculated with that final payment and that I still owe them money. Please put a stop to this.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX SOFI Lending Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.Y. XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : SOFI LENDING CORP Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past 12 months. I am asking that I be able to claim this charged-off debt of {$5400.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with XXXX in the future Regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX   XXXX I ), and XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX XXXX I ), and XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XX/XX/2018 XXXX call the Collection company and tried to resolve balance owned