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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the three Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Report : XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : $ XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

Citibank closed my account on XXXX XXXX without calling or sending an email to me ( I logged in the user page after noticing that and there was a letter sent to me ). Since I moved to a new address, I started writing letter to Citibank back office to request resend a closeout check with my remaining balance ( {$11000.00} ). Every month I've been trying to call to request an update on my issue. Every time I called, a representative asked for my phone number and email in order to reach me out later. BUT I didn't receive any update till now. ( XXXX. XXXX ) I have called at least ten times trying to properly request my money back, and I failed. I feel really hopeless and frustrated, is that how company treat costumers?
Product: Other financial service

I was notified by a creditor that my personal information was being used to change/ charge on my credit accounts. Upon reporting and freezing account with credit bureaus, I found that I had been solicited by a " credit repair '' law firm in the form of them running my credit report. 

In addition to this law firm running my credit report, at the same time my identity theft was being committed, I have been receiving credit and loan offers in the mail. I believe that in my research for a personal loan/debt consolidation when I visited XXXX, my personal information was SENT directly to an unsecured site, where misc companies could view and solicit. At the same time, My personal information was stolen. IDENTITY THEFT. 

I decided NOT to pursue a loan, and I did NOT need credit services or credit repair and I thought I had deleted information on the XXXX site that I landed on. I certainly DID NOT agree to a credit check or any further solicitation from any lenders or credit services. 

THE ISSUE IS : Whatever unsecured site ( s ) these lenders, credit repair companies, etc got my personal information from, is also where the information was unsecured for IDENTITY THEFT to occur. I would like to investigate where they got my personal information from and this may lead to the person/persons who used my information in IDENTITY THEFT. 

The Company that ran a credit check ( 3 times ) without authorization : Lexington Law PGX/LEXINGTON/LAW XXXX XXXX, UT XXXX XXXX Loan Solicitation By mail : RPM Lenders
Product: Credit card or prepaid card

CAPITAL ONE BREACH MY CREDIT AND PERSONAL INFO.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THE INQUIRIES SHOWING ON MY REPORT. I've requested full disclosure of my profile. They were not authorized by me and violates the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can be indicative of identity theft, and I take this matter very seriously. I have also publicly listed this I request immediate removal of this inquiry from my credit report. If the credit reporting agency can not verify my authorization, it must be deleted as required by the FCRA. 

XX/XX/XXXXXXXX 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 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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian responded to my CFPB Complaint concerning an investigation on unverifiable and inaccurate accounts from XXXX : # XXXX and XXXX XXXX : XXXX XXXX, I also provide a list of 15 USC Laws of reporting violations. Experian stated that 'We already have reinvestigated this information with the data furnisher. They responded and verified the accuracy of the disputed information '. Please provide me with the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a dispute to Equifax on XX/XX/XXXX and again one XX/XX/XXXX - no response. I filled a complaint # XXXX in XXXX but was rejected. I sent a notarized Affidavit of Fact on XX/XX/XXXX. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, in written, or any other way to list these items on my credit report or credit file. Dispute letters, CFPB Letters, and Affidavit of Fact along with Exhibits will be included in the files that was sent previously with no response from XXXX
Product: Checking or savings account

My account had fraud in XXXX of 2020 After my car was broken into. I Immediately contacted Chase to report what happened. A week later whomever stole the bank cards and ID went to several chase drive thru banks and presented my ID along with hand written withdrawal slips that Chase provided the account number for. A total of 21 transaction were made to 5 different accounts in which Chase tellers provided the thieves the account number to each account. Then I opened a new account ... .they gave that account number to the thief again. THe executive office got involved I eventually got my money back a HUGE inconvenience and so violating.

Today I open my mail only to find that this has happened again. Luckily I moved my money from chase be cause I can not trust them, however they were able to deposit a forged check then do a withdrawal slip with a signature of XXXX XXXX and Chase gave them the funds and my account again, I had to get a new identification number in which I took to chase ... ..How does this happen PURE NEGLECT from CHASE.

I have included the police report and the most recent withdrawal transaction. This is just not acceptable.
Product: Payday loan, title loan, or personal loan

Due to COVID-19, a state of emergency was issued on XX/XX/2020 in Maryland. Governor XXXX XXXX issued an executive order for financial companies like Mariner Finance to freeze interest on loans and not impose late fees during COVID-19 and the state of emergency. 

The interest ( 23.99 % ) on my personal loan with Mariner Finance was not freezed as of XX/XX/2020, the date of Governor XXXX 's executive order. In addition I was charged a late fee of {$29.00} on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020. 

On XX/XX/2020, I spoke with a Mariner customer service executive who infomred me that Mariner Finance was not able to freeze interest and waive late fees during the state of emergency resulting from COVID-19 although the Governor XXXX had issued the executive order. I am submitting this complaint because Mariner Finance did not implement Governor 's XXXX 's ( MD ) executive order for businesses to freeze interest and not impose  late fees. 

I had spoke to customer service representatives on a number of occasions and had explained that I was impacted by COVID-19 but to no avail. One customer service representative told me that I work for the U.S. Labor Department so I should be able to go to  work to deal with my hardship. She had no idea that I had since retired. I did not receive adequate customer service during the height of the pandemic. The customer service representatives at Mariner Finance could care less about their customer 's who are/were impacted by COVID-19.

I look forward to hearing from you.

Mariner Finance Account # XXXX -- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXX.According the law any Lien which has incorrect information must be deleted ASAP.
Product: Debt collection

AllianceOne Receivables Management , Inc. is attempting to collect a debt that is erroneous and not owed. I have filed numerous complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX ( XXXX ), XXXX, XXXX, and XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the XXXX is considerable. AllianceOne Receivables Management XXXX Inc. is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. AllianceOnce Receivables Management , Inc. is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, XXXX. Court of Appeal 2nd District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate AllianceOne Receivables Management , Inc 's debt collection practices.
Product: Mortgage

I have one months payment sitting in the suspense account that I need applied to the loan. Online payments have been blocked even when the account gets to less than 2 months behind making it difficult to make payments on the mortgage. I haven't had insufficient funds that would cause a block online. Online it shows an inaccurate amount of days past due which is why i would like to get the payment applied.
Product: Debt collection

I received an alert from my credit monitoring service and Capio Partners LLC is  erroneously reporting a debt in the amount of {$180.00} for an account opened on XX/XX/2019. I have no knowledge or relation to this company. I have never received any correspondence from this company. I have no idea who Capio Partners is and they are negatively impacting my credit report and scores.
Product: Checking or savings account

Bank of America is holding my funds that were sent to me from a client to provide services for a job. The bank has not advised me as to my account being closed jr have they advised me why. My funds in my account have not been released to me.
Product: Vehicle loan or lease

On XX/XX/XXXX our principle balance with Suntrust Bank for account ending in XXXX was {$31000.00}. On XX/XX/XXXX we attempted to call to get a payoff on the loan. We called and Suntrust had a message stating that their system was down due to the planned merger with Truist. We called Truist and got the same message. The Finance Manager at XXXX XXXX in XXXX, MD was also unable to get a payoff because the entire system was down. 

On XX/XX/XXXX a payment of {$340.00} was applied to the account. 

Today, we logged in through Suntrust which took us to the new account with Truist with account ending in XXXX. The balance was {$31000.00}. That was nearly {$400.00} increase in 7 days, AFTER a {$340.00} payment. With our low interest rate, that is simply not possible. 

We called Truist on XX/XX/XXXX to find the cause. We are unable to look at any statements which were paperless. Truist has deleted all of our previous statements. We have a screenshot from XX/XX/XXXX, but otherwise no way of accessing our data. Truist was unable to account for the {$380.00} increase to our balance that occurred during their systems transfer from Suntrust to Truist. 

Attached are screenshots from Suntrust ( note account number ) and Truist.
Product: Credit card

I placed an order threw XXXX with the seller that was XXXX, in XX/XX/XXXX and the fir the amount of {$3300.00} and they never delivered the item and charged my citi card for the amount. I tried to get tracking info with the seller onXX/XX/XXXX and no answer frim them or XXXX XXXX i tried to cancel order on XXXX XXXX, XXXX XXXX of XXXX and no answer from the seller or XXXX so i placed a fraud dispute with citi and they closed the dispute in favor of the seller because XXXX sent the original ordeXXXX but they didnt deliver the item and kept the money, i been trying to reopen the dispute with citi but they said that XXXX placed the order and is not a fraud, plus i tried with XX/XX/XXXX XX/XX/XXXX and the same thing happened, XXXX says that i have to get in touch with the seller but they kept part of the money, and the seller is not inXX/XX/XXXX site anymore, i do have a cel number wich is XXXX and i tried calling but they are not answering, XXXX should call them or gent in touch with them and ask for the devolution of the money
Product: Checking or savings account

On XX/XX/XXXX I received a note that my account will be charged a {$30.00} overdraft protection fee, even though I had not requested it. This is not the first time the bank tried to charge me ; I can document that in the past I emailed them three times to ask them not to charge an overdraft protection fee. They complied, but I assume that some other customers of them do not catch them, and are charged a fee they don't owe.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply concerning matter involving my recent experience with Capital One 360 banking, which has caused significant financial distress and threatens to leave me homeless. I am seeking your assistance to address this urgent issue. 

On XX/XX/2024, I initiated the process of linking my XXXX Bank ( XXXX XXXX ) to my Capital One account. Following this, on XX/XX/XXXX, Capital One made XXXX deposits, each less than {$1.00}, into my XXXX XXXX account, requiring subsequent verification. After completing this verification process, Capital One confirmed the linking of my XXXX XXXX account on XX/XX/XXXX. 

On the same day, I transferred {$5000.00} from my XXXX XXXX to my Capital One 360 checking account. I received an email on XX/XX/XXXX, acknowledging the acceptance of my {$5000.00} payment, with an assurance that the funds would be fully available by XX/XX/XXXX. However, on the following day, Capital One decided to remove XXXX XXXX from the list of approved accounts, citing it as a prepaid card. 

This sudden change is perplexing and distressing, especially considering the extended verification process, successful linking of the account, and the acceptance of my substantial payment. Despite these confirmations, Capital One is now holding my funds until XX/XX/XXXX, claiming it is due to the prepaid nature of the XXXX XXXX. 

This situation has severe consequences for me, as I am currently living in a motel and urgently need access to these funds for housing by XX/XX/XXXX. I feel unjustly punished for a policy I was unaware of, particularly when Capital One approved and confirmed my transactions. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and prompt Capital One 360 to honor the agreement made in the email, ensuring that my funds are fully available by XX/XX/XXXX. This resolution is crucial in preventing homelessness and rectifying the undue hardship caused by this situation. This is not the steps that I wanted to take and love capital one otherwise, but I have made numerous attempts to seek resolution, and not only been met with unwillingness to help but rude management as well so I feel I have no choice but to resort to this. 

I appreciate your immediate attention to this matter and thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Case Number is XXXX Experian has been non-compliant with federal law and that is unacceptable. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with Experian on this matter, for the purpose of filing a complaint with the FTC should they continue non-compliant. I further remind you that, as in XXXX v XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), which states that Experian may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on multiple occasions, over more than 75 days : XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX I hope that they immediately remove this inaccurate and incomplete information, or I will file a formal complaint with the FTC. Should they continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from Experian.

15 U.S. Code 1681d - Disclosure of investigative consumer reports- Failed 15 U.S. Code 1681n - Civil liability for willful noncompliance I did upload this reinvestigation request on 7/3/2022 I did receive an email saying my investigation was open and as of 7/6/2022 I received an email stating my disputes have been completed for the accounts mentioned above. 

On my dispute letter I have requested that I get the following information from Experian : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Obviously, this was not investigated and corrected and I will show another fact below XXXX XXXX XXXX XXXXXXXX Account XXXX, has incorrect account number. Wrong open date and showing a past due balance. 
It is non-compliant to show a past due balance on a Charged-off account. Clearly, Experian is reporting Past Due {$820.00} -Which is a major violation and I demand that this gets deleted Immediately. 

XXXX XXXX  XXXX Account XXXX Wrong Open date, and also showing a past due balance. Clearly, Experian is reporting Past Due {$1800.00} -Which is a major violation and I demand that this gets deleted Immediately. 



Not only is this matter causing me financial burdens but also mental health issues. My anxiety has been over the roof, I keep getting responses as my request has been processed and investigated without it being done. 

I bring the facts here for assistance and demand that you help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to get XXXX XXXX account taken off, I also disputed to get the XXXX XXXX  charge-off removed, and as such the XXXX XXXX charge removed
Product: Mortgage

received a letter from mr cooper saying that the last payment they received was insuffient and will b placed in a unapplied funds account
Product: Payday loan, title loan, or personal loan

I called Title Max today to negotiate a new payment arrangement. I have been unable to pay on this loan for a few months. We have been struggling financially for several months. I tried to offer {$25.00} each week ( this is all I can afford ). She declined to take any payment from me and asked me to pay my normal amount {$700.00}. She stated there is no collection agency attached to this and they are handling it. She confirmed 2xs that she is REFUSING take any payment on my account. All I want to do is start paying something again.