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

I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, Experian still lists the following accounts on my Consumer Report : XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX andXX/XX/XXXXXXXX. I would like to bring to your attention that Experian is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items with the three major credit bureaus : Transunion, XXXX, & XXXX  and they have not provided me with anything. I have been disputing negative items for months now and they have yet to send me a single letter stating they have received my disputes or that anything was done for that matter. I understand that with Covid there has been a slight delay but its been over 8 months now and I still haven't received anything?! If they could do their job they would know that there is a double reporting account on my credit that is seriously affecting me. This is a violation and it must be fixed and you have done nothing to help. These negative items need to be taken care of and removed.
Product: Credit reporting or other personal consumer reports

This is my 4rd dispute letter since XXXX disputing the accounts listed below and several uploads online Equifax has not removed information from my credit file that should be removed by law in four business days. Equifax has failed to delete the accounts advising they are verified. This was done without proper verification as required by law. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. Equifax is the only CRA reporting these accounts on my report. The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you Equifax are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained ( I mailed and uploaded XXXX Deletions certified mail to Equifax ) and Equifax never consulted underlying documents to verify the inaccurate information so with that being said the question is whether you as a CRA behaved reasonably as well as did you acquire sufficient evidence to support the conclusion of my last disputes. Other laws that were violated are as stated, Equifax did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did Equifax Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE AUTO FIN XXXX, CAPITAL ONE XXXX CAPITAL ONE XXXX, CAPITAL ONE XXXX, and CAPITAL ONE XXXX, were reflected as late payments 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 100 % true, accurate & correct.
Product: Bank account or service

CITI IS THE WORST BANK EVER! They do no care about you as a customer. You are a sales goal! I submitted a credit card application for the CITI Simplicity card under falsely provided information. I was looking for a joint card for my husband and I. I was told this card is not available as a joint card but I could add an authorized user. He stated the authorized user 's credit is pulled, affected, and reported to the bureaus. The sales rep lied to me so that I would submit the app. When I called back to speak to someone to confirm the information I was given, the reps only gave me the correct info. No one ever apologized or tried to offer anything to make the situation better. No one could even tell me who submitted the app! I told the multiple reps I spoke to that the one who took the app lied to me, but no one cared. They all stated they could " document my concern '' but to who and for what, no one could answer.
Product: Debt collection

we had 7 days to cancel the contract. contract signed XXXX XXXX 2023 and contract was cancel XXXX, XXXX never got anything from them until they sent out a bill. this is a scam. it was suppose to be eliminating our timeshare. after reading it carefully it was buying another timeshare so we cancel. i talked to the CEO and he told me to send him a copy of the cancellation and a copy of the certified mail receipt. I did that. he never called me back nor would he answer my calls.
Product: Student loan

Navient hired a debt collection company called XXXX XXXX XXXX XXXX to collect on their private student loans. XXXX XXXX XXXX XXXX has repeatedly misapplied my payments. In addition, XXXX XXXX XXXX XXXX does not allow me to verify the balance information and any fees paid. I have been paying XXXX XXXX XXXX XXXX for over three years and they have consistently misapplied my payments in addition to adding fees and interest to the accounts which is a flagrant violation of the law. Navient and XXXX XXXX XXXX are engaging in deceptive debt collection practices. I can't even get an accounting of all the payments I have made nor how much in fees and interest Navient and XXXX XXXX XXXX XXXX has added to the account. Navient and XXXX XXXX XXXX are engaging in fraudulent business practices. My account was supposed to have a 0.01 % interest rate however, Navient and XXXX XXXX XXXX XXXX have added a higher interest rate on the accounts in order to keep the balance high.
Product: Vehicle loan or lease

due to the COVID-19, I has not been works for couple month already, at last month, carmax was Towed away my car from my apartment parking lot without any advance notice to me, which the car is I am financing with them, because of the 3 month late payments due in the COVID-19 going on, I try to deal with them get my car back first then I can go find other jobs to clearing the money I owned, but they said I need cleared 3 month payments and the late fees plus the repossession fee, then I can go pick up my car if they has nit been saled it. 
I just want to be clear because of COVID-19, does the government have any corresponding provisions for late payment of loans?, Because they dont allow us to work, and now Carmax has taken back my daily action tools. If there is no corresponding clause, I think my company will resume operations because I need to repay my loan
Product: Checking or savings account

I have an account with XXXX XXXX and I initially registered with my XXXX number. On XX/XX/XXXX night, I received text message and email from XXXX, which the XXXX XXXX banks with, about several fraudulent activities on my debit card. I called their fraud team and confirmed those were unauthorized transactions. The fraud team agent said she locked my debit card and asked me to contact customer service. I called customer service and they issued a new card for me and asked me to contact resolution team to file the disputes. I called resolution team and the agent said I'll need to fill in a form that she'll send me in the secure message in the XXXX APP. I asked if they can file the claim for me because that's what a typical bank would do when there's fraud. The agent said it's their procedure and there's no other way to do it. 

It's such a hassle for a victim of fraudulent activities. I never take this debit card out of my home, and only use it on a secure state government website. 

I can not login to my XXXX XXXX account because of some issues with the XXXX wireless account. I tried to change the phone number associated with the account to another wireless provider, but still I can not login or reset the password with the new number. 

Based on what the resolution agent told me, I'm stuck now because I can not login to the account and file the dispute. I can verify my identity and they have verified my identity, but I can not login to their APP to file the dispute of fraudulent transactions and they can not help me with it. The XXXX XXXX account is open to the ones without a XXXX phone number, and people do change their phone services providers. So I should be able to change to another phone number and login to my XXXX XXXX account. But it doesn't work! 

The bank account is mine and I should have access to it no matter what. And for the dispute process, they should not be asking the victims to file the forms and do it on their end like all other banks. 

And I found it's not only me experiencing the fraud, there're a number of other people got exposed to this very recently.
Product: Debt collection

The Issue above is incorrect, I had to put something in. Sorry about that. 

The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail. 
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents. 
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ). 

Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX. 
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me! 

I am also attaching a page from each one of the reports I have mentioned above.
Product: Credit card

I opened a credit card with care credit back in XX/XX/2023, to cover vet bills for my XXXX dogs. One of my dogs was/ is having serious health issues and I just didnt have the funds out of pocket so I opened the credit card. My balance is now XXXX. XX/XX/XXXX I made the first purchase at XXXX XXXX XXXX XXXX  for XXXX. XX/XX/XXXX I made a successful payment of XXXX to the account. XX/XX/XXXX I made a second purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. They have now cancelled my account because XXXX or maybe XXXX XXXX $ payments bounced. This is my first credit card account and I am XXXX XXXX XXXX. I am very upset that this happened because I have made multiple payments a month whenever I can and most of the time it is more than the minimum payment. And they have cancelled my entire account due to XXXX or XXXX bounced payments. It is ridiculous. Please help me reopen this account.
Product: Money transfer, virtual currency, or money service

Dear Zelle, I am writing to express my concerns regarding funds that were not properly allocated while using your money transfer services. Unfortunately, I have experienced significant financial losses due to these discrepancies, upon reporting these discrepancies to both my financial institute and Zelle my claims failed to be investigated adequately, which have caused undue stress and hardship. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. As a loyal customer, I trusted the reliability of your service and am now seeking a resolution to this matter. 

I kindly request a review of my transactions and an investigation into the unallocated funds. It is my sincere hope that any misallocated amounts can be reimbursed to mitigate the financial impact I have endured. I trust your commitment to customer satisfaction and look forward to your prompt assistance in addressing this issue. 

Thank you for your understanding and support.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.
Product: Student loan

Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit file regarding my student loan. I have identified errors that I believe are negatively impacting my credit profile. 
I kindly request that the CFPB investigate this matter and work with the loan servicer and credit reporting agencies to correct the inaccuracies. Please ensure this dispute is resolved in compliance with the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to your response.
Product: Student loan

I have a student loan with SoFi which has a rate of approximately 5.5 % for 15 years. I wanted to take advantage of recent decline in rates so I applied for a refinance at SoFi and XXXX XXXX. SoFi initally offered an initial rate of 5.149 % while I received a rate  of 4.99 % at XXXX. On XX/XX/XXXX I received an email from SoFi for their rate match program. The advertising says that if I supply competitors documentation they would match that rate. I called SoFi on XX/XX/XXXX at XXXX XXXX  to discuss the offer and was told that all I needed to do was to submit the documentation, pull my credit to determine eligibility and they can match the rate. I submitted XXXX XXXX  's offer and submitted the application. I received notification at XXXX XXXX  from SoFi that the application was complete and that I can sign the documents. After review the loan docs, I found that the rate was still 5.149 %, I called SoFi and told them of the mistake and the representative on the phone advised that they would go back to the underwriter of the mistake and I should receive new loan documents. At XXXX XXXX  I received notification again that the loan documents were complete. I checked the rate again and it was still the same 5.149 % rate. I called XXXX again this time the representative advised that they can't match the XXXX XXXX  's rate because the rate they offered is the lowest they can offer for the 15 year term. I said then why would XXXX send me an advertising to match a rate when they knew that they couldn't even go lower than what was offered?? I was transferred to a supervisor, his name is XXXX XXXX form the account specialist team and he explained that they recently changed their policy that they would not rate match if the rate is the lowest they can offer. I advised him that it was false advertising because they couldn't provide me a lower rate from the beginning. So why did they tell me to submit my application and re-pull my credit which has an adverse effect on my credit. He couldn't explain why. I told him that I checked the legal language and there is nothing that says that they will not offer a lower rate if it is the lowest they can provide. I have the email saved in my email box. The only thing he is able to offer is to submit a suppression of credit inquiry.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Date Opened : XX/XX/2023 Balance : {$500.00}
Product: Credit reporting

TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated, it is now up to Equifax to remove and they further stated that Equifax does have this ongoing problem. 
This is causing substantial harm to my credit report and yet EQUIFAX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC on XXXX/XXXX/2016 and also the ATTY General both here in GEORGIA where Equifax maintains their main corporate offices in the United States. 

They have caused me deliberate financial harm by continuously and willfully not adhering to the Fair Credit Reporting Act. 

Violation 1 : It 's documented over 30 days additional written and faxed in disputes have been ignored and thus should be removed. 

Violation 2 : Willfully and deliberate continuing to cause financial harm. 

I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST " REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION '', AN IMMEDIATE STATE AND FEDERAL LAWSUIT WILL BE FILED. 

Please let this letter serve as final written warning to EQUIFAX if this does not get immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We own an older home that is fairly small for a family of XXXX. We started working with a mortgage brokerage, Network Funding, XX/XX/2016 to apply for a XXXX loan. We went back and forth a bit, truly starting the process XX/XX/2016. The broker we were working with would ask for information and documents with no explanation as to what was going on. When asking when we were closing, not date or time frame was ever given - only a response that we were waiting on more items. There was a lot of confusion between the broker and our contractor on the documents that were needed, resulting in long delays in the documentation that needed to be completed to continue to the next step in the mortgage process. The same type of lack of communication was occurring with the broker and us. On XX/XX/XXXX, I spent a solid hour discussing details with the mortgage broker to clarify our background information. He stated we would need to sign letters of explanation. After discussing all of this with him, he sent us the letters of explanation with absolutely none of the details accurate ( I basically had to re-write the letters of explanation - he also sent us the same letter of explanation again later in the process, the one that he originally sent without my corrections ). The HUD consultant completed his report on XX/XX/2016. On XX/XX/XXXX we were given the clear to close on Monday, XX/XX/XXXX at XXXX. We received a call from the notary on Monday afternoon to confirm closing. Monday evening, we received a call from the broker stating that we were not able to close because he did n't have the tax information needed to close. So closing was rescheduled for Tuesday, XX/XX/XXXX, XXXX. At XXXX, the broker calls us and tells us that we need {$16000.00} to close because of the HUD consultant 's report. The {$16000.00} dollars would have put us at XXXX % of our appraised value for the mortgage. Given the complete lack of communication and the frustration that we had with this broker, we had some heated conversations. I sent an email in the morning of XX/XX/XXXX stating that I did not want any vague XXXX answers to what was needed - I wanted an itemized list of anything outstanding and a solid date on when closing would be scheduled. He stated ( in email ) that he would take this latest outburst in stride but that he would not tolerate another one. The complete lack of customer service is appalling. Not only do we feel that this company and this broker are taking part in predatory lending, but I also feel that they have absolutely no customer service skills at all. We made initial contact with this company in XX/XX/XXXX. It is now XX/XX/XXXX and we still have no date for closing.