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

On XX/XX/2023 my Capital One Credit Cards ending in XXXX, XXXX, XXXX, and XXXX were all close due to a glitch on their end. I removed a bank account and closed it but Capital One continue to try and pull funds from the account although I added my XXXX XXXX XXXX account and they were receiving payments in full every month. 

I would like my accounts reopened immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 


XXXXXX/XX/XXXX
Product: Credit card

I paid XXXX to open a secured credit card. It wasn't enough, so I added another XXXX. They closed the account when I lost my job. Refused to refund my full deposit and refused to let me use my card AFTER I paid off the balance.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$260.00} Date of Account:XX/XX/XXXX
Product: Credit reporting

Transunion has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} to XXXX XXXX XXXX of Virginia and {$51.00} to XXXX XXXX XXXX of Virginia was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the new PNC card. The offer was 0% on balance transfers AND PURCHASES for 15 billing cycles. I received the envelope in the mail, and I can't say for sure, but the card was lost. I called, they sent a replacement, but said to wait until the new bill came to set up anything since they weren't sure if the Balance Transfer would actually move to the new card or if I had to set it up again. I waited until the balance reflected and attempted to set up my payments. This is a PNC credit card, I have a PNC checking account so it should be easy. (PNC can check my mobile account to show the log ins and attempts to set up payments) I missed my first payment by two days. The balance transfer rate is still reflecting 0%; however, the purchases are now showing at 16.74%. I asked that they reinstate the 0% and waive the fees, but they said that I should consider auto payments. I agree, and will set up, but since this was an error with the initial set up of the account, I think they should at least be more accommodating and just reset the 0% and waive the fees.We use PNC for our non-profit accounts also, they have always been so great to work with. When I mess up, I pay the fees, but when it's honest and just a waiting game to set up payments, they should at least think about their clients in a friendlier manner.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX  - XX/XX/year>2024 XXXX - XX/XX/year>2024 Section XXXX ( XXXX XXXX. XXXX ) requires a prompt investigation of disputed information. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Student loan

I have a private loan serviced through Navient with an exorbitant interest fee ( nearly 10 % ). I have been paying the loan on time for over a year. The online portal is telling me that I am eligible for an interest rate deduction of 2 % since I have been making payments on-time ( SMART reward benefit ). It has been over a month since I became eligible for this reward and it still has not been applied to my account. I have emailed Navient and called Navient customer service over 3 times. Each time I am told a different story and that they need to " research '' if I am actually eligible for this reward. If my online account tells me I am eligible I do n't understand the disconnect/run-around of determining my actual eligibility. I would like a clear cut answer as to why these rewards are n't applied as soon as the borrower becomes eligible. It seems to me Navient is benefiting financially by postponing the application of this interest rate deduction at the expense of the borrower. This seems to be inappropriate loan servicing conduct and I would like this to be investigated.
Product: Debt collection

XXXX XXXX are trying to collect debt of original creditor XXXX XXXX account : XXXX which was never mine, I've reported Identity Theft, suspecting my neighbors in the building trying to use me info to get cards and car and loans. 

Also, it is reporting non according on compliant to the FCRA rules with payment status falsely reported, no verification date and status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Smoeone obtained access to my report and changed information such as my address and there was a car loan inquiry not obtained by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian for the past 6 months about the 2 fraudulent Bk 's on my credit. I have reported the fraud to the FTC and provided Experian with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the fraudulent accounts remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX Experian Report Number XXXX
Product: Credit reporting

Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XXXX/XXXX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XXXX - XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX have also please delete not my address included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX continues every couple of months to put this collection on my account after I tell them its not mine never lived at the address or was ever contacted this is identity theft and they keep removing it and then put it back every so often this is negatively affecting my credit it has to stop immediately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratin XXXX XXXX XXXX XXXX Account number - XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. If this information is accurate and true, and all information is being provided by the same data furnisher, then it should be consistent across all bureaus. These discrepancies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and delete the inaccurate accounts. 
The factual report of inaccuracy is as follows : If one credit bureau shows a significant gap with no data ( ND ) while another ( yours ) reports data during the same period, the accounts should be consistent across all bureaus if they are reported by the same data furnisher.
Product: Checking or savings account

On XX/XX/XXXX I received an email saying that my account with USAA was closed. I contacted them dip try to find out why because I receive direct apposite of my SSD and it was due in three days. They informed me that oh well didnt matter I receive a check in 20 days I told them that I need my money sooner than that I have to pay my bills I have to buy medication and I have to feed my kids I was instructed that there is nothing they can do I got transferred to another young lady she said that I can open up another account and the funds can be deposited there I was like a fine then a guy got on the phone and said That cant happen. So I took it to social media finding out that this company has done this to many more people so they were banning together to do a lawsuit I contacted them again they contacted me I spoke with the guy named XXXX he told me that it will be expedited on Thursday and I should have it so I can you know do whats needed. the call got disconnected he never tried to reach back out I called them again he told his team member to tell me itll be 10 days for them to review a deposit that theyve been getting for over 5 years and then cut me a check and then XXXX XXXX it out so I would not receive a check until around XX/XX/XXXX. How am I supposed to buy medications for my XXXX XXXX waiting into the XX/XX/XXXX or buy food
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions. 
2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).

Under the FCRA, inaccurate or unverified information must be deleted from my consumer report. If you are unable to provide verifiable proof of this debt, I demand its immediate removal from all consumer reporting agencies to which you have reported it.
Product: Credit reporting or other personal consumer reports

I recently submitted a similar complaint about unfair and illegal practices. As usual the companys regurgitation of something being in litigation is a LIE! 
Ive in fact attempted to contact them on several occasions only to be hung up on and told that they cant talk to me. 
This has been going on two years. 
But I have no contract with them, written nor verbal. So since they insist on violating my rights I will now most certainly hit them with a tort claim! This is not a threat, its a PROMISE! 
I only came here so that its openly documented the amount of times and violations. 
Most recently the company that does NOT have my consent to share my information continues to do so, even to the point of an account being under dispute for fraud & billing error dispute and BY LAW while XXXX is under dispute it is to be removed! 
So thats ANOTHER VIOLATION punishable under law by fines and other penalties. 
Thank you for your noncompliance.
Product: Student loan

Mohela will not provide an accurate accounting of what loans were consolidated and which paid off. I show an XXXX XXXX discrepancy in their total and my documented amounts. The interest rate ( 6.7 % ) is stated as {$110000.00} on XXXX. I have stayed on hold more than 4 hours to be disconnected as they don't want to answer these questions. 
This is multiple times.
Product: Credit card or prepaid card

On XX/XX/XXXX, fraudulent activity appeared on my Amazon Synchrony credit card. I noticed 4 fraudulent charges and notified the company of these. 2 of the 4 charges have been removed and the company has been notified numerous times with no change in my balance. Now a late fee has appeared on my credit card statement. I am concerned that this company will report this activity to a credit card agency that will result in a ding to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX {$2400.00}
Product: Mortgage

My husband and I bought a home in XX/XX/XXXX that required flood insurance. We purchased flood insurance at closing and an escrow account was set up for the flood policy only. In XXXX I found out that there was an issue getting the flood policy in place, however, I was never informed of the issue due to the lender - ServiceMac , LLC - sending letters to the wrong address. ServiceMac , LLC then purchased another flood policy for me and raised my monthly payment about {$400.00}. As soon as I was made aware of the issue I contacted the lender and my insurance to get the additional charge removed and the correct policy in place. In the meantime I made my new, more expensive monthly mortgage payment. 

When I called around XX/XX/XXXX to make sure everything was received, I was told by ServiceMac , LLC that they would not speak to me because I am not on the account. I had my husband give them verbal XXXX hour notification to speak with me and a third party authorization was emailed to them on XX/XX/XXXX. My escrow account has since been refunded, however, I need my loan to be reevaluated to lower my monthly required payment back to its original amount. I called today, XX/XX/XXXX and was told they could not speak to me again because my third party authorization was not in their system. I asked to speak with a manager and was told no one would speak to me, but I could call back in 10 days and maybe the authorization would be on file by then. 

I don't understand why they would speak to me last month but not this month. I signed many of the lender papers at closing and my name is on the warranty deed. If my husband could call he would, but unfortunately his job does not allow for him to easily make phone calls during the day. I don't think we should have to make another extra payment next month just because they are waiting for an authorization that was already sent over and have verbal authorization to speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX, we bought a car back in XXXX of 2016, we were lied to by the local company in regards to the 0 % APR and they were supposed to pay sales tax but did not. With that said, they made an agreement with us to delay our first payment to XXXX XXXX ... apparently they did not share that info with the corporate office, however. SO they reported us late in XXXX after we made a payment arrangement that THEY told us the dates to do in order to not be past 30 days. So we did exactly that. Yet, we still got hit on the reporting to bureaus. I called MULTIPLE times to have this corrected, asked for conversation recording, even the girl who made the arrangement vowed for us that her and her supervisor told us what dates to make payment on. Yet, no changes were reported on our behalf-this was when I also found out that they showed our 1st payment being XXXX NOT XXXX ... it was at that point I faxed over letter showing what we were told. This year, in XXXX I called again about the XXXX thing to try and get it fixed again. The rep told me an extension agreement for XXXX and XXXX would bring everything back to correction. So I had already made a pymt in XXXX so that applied for XXXX, extension agreement made up for XXXX, I made 2 pymts in XXXX that covered for XXXX. This was all by direction of XXXX and letters from them directly. However, we get another alert saying they reported us 30 days AGAIN for XXXX. 
I have argued, called, faxed, emailed, disputed and mailed everything ... and they STILL won't fix it by reporting it correctly to the bureaus. I was not 30 days late in either month and I simply want it reported correctly. It is effecting me personally, my family and our future!! It is simply wrong on so many levels. I need someone to step in and help me, please.
Product: Mortgage

I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years