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

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As you know Equifax criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. Equifax is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX  months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with XXXX and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to Equifax and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to 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 Also I want my Mortgage through Shellpoint updated as current as it is current.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Menards card through Capital One. The billing statements are difficult to read and do not clearly specify what the payment amount needs to be in order to avoid paying interest for that month. Menards offers 2 different types of promotional purchases ( 6 month and same as cash ). In addition, there are regular payments. The billing statements clearly break up each of these different types of entries. However, nowhere on the statement does it tell the consumer what they have to pay each month in order to avoid paying interest. 
On XXXX, I called to ask " What do I have to pay in order to avoid paying interest. '' Long story short, I talked to 2 agents and 6 different supervisors. One agent and 2 supervisors did not even know how to read the statements. I received 6 different answers as to how much I had to pay to avoid interest ( not all of these are exact because I got frustrated ) : {$340.00}, {$520.00}, {$560.00}, {$570.00}, {$630.00}, {$1100.00}, {$1300.00}. And these differed from what your website said ( Interest Saver Payment ) : {$470.00}. The last agent I spoke with said she saw notes that showed what the agents told me I had to pay, and they differed by {$1000.00} ( {$340.00} to {$1300.00} ). 
I am filing this complaint because Capital One is not being transparent in telling consumers what they have to pay every month to avoid interest charges. They are most likely doing this to collect interest charges. Every agent and supervisor had to use a calculator, had to break down the different types of charges, and took a long time to calculate, yet still 6 different answers, all of which were different from their own website. 
My second complaint is I told several supervisors I needed a way to communicate with Capital One in writing, since I was getting so many conflicting verbal answers. There is no way to do this. Capital One does not allow consumers to go to their branches. Capital One does not have a secure message center. Capital One does not have a live person on their chat, only AI, even though they kept insisting that they did, but when the agents tried it, there was no live chat. There has to be a way for consumers to communicate in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not answer to the complaint in a timely maner according with the FCRA section 609, this is inaccurate reporting, the account should be removed from my credit because is an unverifiable account also more than 30 days has pass with no answer.

Account # Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be
deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Product: Student loan

I requested a term based repayment plan on XX/XX/2023. I received an email stating they received my request and would respond in XXXX days. I never received a response. I resubmitted it again on XX/XX/XXXX. Never received a response. I tried to call them and was on hold for an hour and a half before hanging up. I emailed them and got an automatic reply stating they had too many emails and couldn't respond. I tried calling multiple times over the next several days and was on hold for hours. Due to my job, i had to keep hanging up and could not stay on hold. Eventually after numerous attempts and sitting on hold for XXXX hours, i finally was able to speak with someone. I was told my account would automatically be put into administrative forbearance since they had not had time to look at my repayment plan request. They said it was taking approximately 30 days to look at requests instead of the initial XXXX days i was told. It has now been almost 60 days, my account is not in administrative forbearance and it is saying my account is past due. It is asking me to pay {$930.00} instead of the {$170.00} i was told my payments would be with the repayment plan. I still can not get a hold of anyone on the phone, currently trying to reach them and have been on hold for XXXX hour and XXXX min. They lied to me about putting my account into forbearance. It seems like they are refusing to accept anyone 's repayment plan requests and refusing to actually speak with anyone either. This has been the worst experience ever
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this re-investigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Mortgage

My complaint is against : Cardinal Financial Company , Limited Partnership ( NMLS ID XXXX ) dba XXXX XXXX Overview : Soon after closing on a refinance, I realized the terms of the loan would not work for me so I exercised my right of rescission. Mortgage company is refusing the refund all finance charges, specifically the charge for the appraisal. 

Details : XX/XX/XXXX : {$620.00} appraisal fee paid to Cardinal Financial XX/XX/XXXX : Closing, wired {$2200.00} for closing costs. After signing and reviewing closing documents, noticed that the loan was put through as a primary residence. This refinance was done in order to free up my VA entitlement so I could close on my second home on XX/XX/XXXX. XXXX XXXX  refused to waive the 1 year occupancy requirement so I exercised my right of rescission. 

XX/XX/XXXX : XXXX XXXX  acknowledged the original refinance as voided and began steps to convert the loan to an income property. With a possible submit to underwriting early the following week. 

XX/XX/XXXX : Loan still had not been submitted to underwriting but I found a path forward using secondary entitlement on the second house. Informed XXXX XXXX  that I was no longer interested in doing business with them and to return the finance charges of {$2800.00}. 

XX/XX/XXXX : Response from XXXX agreeing to return the {$2200.00}, but not the {$620.00} appraisal fee because " This is a justified charge for services rendered by the appraiser. '' After reading through the Code of Financial Regulations, Reg Z acknowledges that the appraisal falls under finance charges that shall be reimbursed, but also allows for exceptions, so I submit this complaint to you for your review.
Product: Debt collection

Was contacted today XX/XX/XXXX by IC Systems. Caller asked for me by name and recited my physical address asking for verification. I asked who was calling & caller responded IC Systems on a personal businesss matter. I replied that I had a prior complaint against IC Systems for harassment and fraudulent collection attempts, ( see complaint XXXX ) and that if this was a collection attempt I intended to file another complaint & initiate a FDCPA compliant as well. Caller stated they would remove my contact information from their files. However, they should have never had my contact information because in XXXX, IC Systems attempted to initiate collection on an illegal & fraudulent debt and agreed to cease and desist all contact after a complaint was filed. This new attempt shows that IC Systems is in fact actively seeking my information with the intention to use it for fraudulent collection attempts.
Product: Credit card

This new complaint against the Commerce Bank is related to the on-going complaint case no. XXXX. Some fraudulent activities keep occurring inside the Commerce Bank. 

On XXXX XXXX XXXXXX/XX/year> ( Wednesday ), somebody from the Commerce Bank has made an illegal balance transfer of {$500.00} dollars from the complainer 's credit card account of ending no. XXXX. ( Please see the attached balance-transfer 's onscreen image to this complaint filing ). 

The attempt of making this balance transfer on XX/XX/XXXX was made without an authorization from the credit card holder. This is absolutely illegal for Commerce Bank to have allowed it to happen and is creating big loss on the complainer 's side.
Product: Checking or savings account

PNC insists on holding this checking account open, despite my repeated requests to close it. It should be illegal to hold open a customer 's bank account against the customer 's express wishes. This account has a XXXX balance, and no outstanding transactions or recent activity. Keeping a dormant account open makes a consumer vulnerable to identity theft and fraud. I do NOT want phone calls from PNC. Just immediate account closure.
Product: Debt collection

Received notice from Mortgage broker that had collection account on my file from Advantage Financial Services, called company requesting a validation od debt, advised they would not do it, should get from original creditor, stated they would make sure thus stayed on my credit report, even if not accurate information. I called original creditor ( XXXX XXXX XXXX XXXX, who emailed me a statement, showing that there charges were based on a physical inspection made on premises XXXX/XXXX/XXXX, this was amazing since I didnt move my property out until XXXX/XXXX/XXXX, have pics and phone logs showing I called original creditor, to set up walk thru time for premises, subsequently call Advantage back. spoke with XXXX, stated she does see the XXXX/XXXX/XXXX date, as date of inspection, but does not care if information is not correct, advised her that her company under FCRA has obligation to provide accurate information to credit bureaus, stated it is her job to collect money and does not care if my credit report is not accurate, threatened to sue me and I advised her that would be perfectly fine. Every company has an obligation to make sure the information they provide is accurate to Credit Reporting Agency and these people will not confirm information is correct,  costing a higher interest rate on my mortgage.
Product: Mortgage

I was trying to pay XXXX XX/XX/XXXX to get caught up but was not allowed and since I had to post date my payment I will be charged late fees on funds I was willing to pay earlier
Product: Mortgage

This complaint is being submitted on behalf of the borrower 's advocate. 

Borrower defaulted on her mortgage payment on XXXX 2017. She requested an application for mortgage assistance in XXXX 2017. Servicer agreed to send her the application, but she still has n't received it. She has been calling them for an update and is on hold for over 20 minutes or the calls are disconnected.
Product: Bank account or service

I was on a joint acct with my son in XXXX 2015 there was a fraud done on the acct he forward the police and the FBI report to the bank they refunded the money XXXX {$500.00} XXXX back to his acct. In XXXX they decided they were going to take the money back out of his acct. on XXXX XXXX so on XXXX XXXX I told my son to get me off the acct so they do n't go into either my business or my personal acct so we closed the acct on XXXX XXXX on XXXX XXXX the bank ( XXXX XXXX XXXX reopened the acct and took the money out of my Business acct in which my son is not on so they should not have touched my money they said my ss # was hooked to that acct but it was n't I opened my business acct with my TIN and my son is not on either of those accts. I went into the bank on Friday and the Banker talk to a guy named XXXX was taking care of it and he would get it back into my acct on Tuesday XXXX XXXX it was put back into my acct by XXXX I closed my personal acct that day XXXX XXXX and by the following morning my money was once again taken out of my acct the business banker XXXX showed me the email from XXXX stating he put the money back into my acct and to have my son make arrangements with their collections department but yet and still they took the money out of my acct and have not put it back so I feel the robbed me they stole {$500.00} from my business and I want my money back. I also checked my acct at the atm when I left the bank and the money was back in my acct so I did see for myself that it was put back into my acct.
Product: Debt collection

Portfolio Recovery Associates acquired my personal information without my authorization. I have never done business with them and am unaware of who they are. It appears they opened an account in my name without my knowledge or consent, constituting aggravated identity theft. I filed a complaint with the CFPB, and their response indicated that XXXX purchased this account with my personal information. I do not authorize them to possess my personal information and do not agree to engage in any business with Portfolio Recovery Associates.
Product: Credit reporting

Bankruptcy listed on my credit reports. The bankruptcy was dismissed due to improper management by XXXX. The case did not go to confirmation trial.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation Under the fair credit report act To conduct a reason to consider a reasonable re-investigation Of the XXXX information on my credit report Leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnished accepting unreliable responses failing to adequately notify consumers to dispute outcomes. This failures align with my experience with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as Experian in action violates federal law and my rights as consumers.
Product: Debt collection

I was told that monthly bill would be much lower than XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 AV XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Money transfer, virtual currency, or money service

A scammer was able to access my Coinbase account by SIM swapping my XXXX XXXX  on XX/XX/year>. They illegally wired {$8500.00} from my XXXX XXXX account on XX/XX/year> to my Coinbase account. Then transferred {$8400.00} to a XXXX XXXX XXXX   that was added to my account on XX/XX/year>. This was reported to XXXX XXXX 's and Coinbase 's fraud teams within minutes of it occurring and neither company froze the accounts or took action in a timely fashion. A police report was filed and I notified my fraud insurance, XXXX, who needs to verify that the money taken from Coinbase did not go to me ( it went to the fraudster 's XXXX XXXX  residing on my account ) based on the transfer log. My insurance company is requesting proof that funds did not go to me from my Coinbase account so I will need the full XXXX XXXX account number residing on my account for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 with antedates the report by more than seven years.
Product: Mortgage

I have a home mortgage being handled by green tree. In XX/XX/XXXX I had surgery due to a military XXXX as I am a XXXX veteran. They never offered me a modification or any assistance with my mortgage all they did is blow up my phone and then put me into foreclosure. I paid them {$7900.00} on XXXX XXXX which is what they sent to me as a reins tangent quote. They only applied {$6300.00} to my account and no one can tell me where the rest is and when I paid I validated that it included my XX/XX/XXXX payment which now they are saying I 'm late on and it included my late fees which they still say I owe. I have talked to them XXXX times now since XX/XX/XXXX but no one can tell me where the money is or why it 's not been applied to my account. Please help with this matter. Thank you