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

Some weeks, past, I received my motor vehicle insurance bill ; with a notice of rate increase related to an Experian credit report. The notice indicated that I am entitled to a free copy of that report within 60 days of the date of that notice letter, XX/XX/2017. 

Today, I called the phone number provided for Experian, XXXX, which is wholly automated ; and, my responses to the prompts resulted in the stated order of my credit report to be received in 8-10 working days, by mail. That was not my intention ; and, this report will likely count against the one free annual report to which I am entitled. 

This company provides no means for live communication, and should be put out of business without remedy of this matter.
Product: Debt collection

I TRY TO CONTACT I C SYSTEMS COLLECTIONS ABOUT THIS FICTITIOUS ACCOUNT THAT I DO NOT OWE, XXXX TIME VIA PHONE EMAIL AND MAIL MONTHS, NO RESPONSE NOW I HAVE TO TAKE MATTER TO MY OWN HAND REQUESTING THE CFPB TO HELP ME. 
I am an identity theft victim and i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( XXXX ) listed on my Police report and Identity theft report be remove IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT,
Product: Debt collection

A collection has been added to my account from this company. I do not owe this or any balance and have attempted to dispute it with the company directly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding capital one handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using capital one numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicate that capital one has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. As well as the system going down and not being able to access my funds or direct deposit from my employer. Due to the economy and living from paycheck to paycheck its not easy.
Product: Money transfer, virtual currency, or money service

My daughter is XXXX years old. Venmo does not permit minors to open an account. However, she opened an account by lying about her age. 

My daughter is using Venmo, overdrawing from her checking account and incurring fees. Clearly she is not mature enough to handle this level of financial responsibility. As her father, I want to protect by daughter my closing the Venmo account I contacted Venmo via online chat on XX/XX/2019. They said they would not speak with me about my daughter 's account until she contacts them and gives permission. 

My daughter will not call Venmo and take actions that ultimately lead to her losing the account. I am stepping up as her parent to do that.
Product: Credit card

I submitted for XXXX  XXXX benefits on XX/XX/year> and I was told 60 to 90 days for benefits to be applied to all of my Navy Federal accounts. After the 90 days I still did not receive the benefits. I called Navy Federal on XX/XX/year> and they said they still do not have an estimated timeframe for accounts to be reviewed and benefits be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Transunion ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Product: Mortgage

My mortgage has been with UWM Mortgage ( aka XXXX aka XXXX XXXX ). I have signed up for their bi-weekly payment plan where they take money from my bank account every 2 weeks to apply to my Mortgage- is a service they offer.

I have been impacted by the ACH issue last year. Since XX/XX/2024 they have been withdrawing additional money ( unauthorized ) from my account in addition to the authorized amount to pay for my mortgage. 

I called them several times regarding this and send several emails with proof of their unauthorized withdrawal of funds from my account. They responded saying that they couldn't find the money they withdrew ( unauthorized ) from my bank and they can only see the authorized withdrawl. The unauthorized withdrawal has been issued by XXXX and my bank record shows that XXXX processed 2 ACH transactions ( every 2 weeks since XX/XX/2024 ) - XXXX the authorized mortgage payment amount and the second the unauthorized transaction. I have provided them the transaction ID, withdrawals transaction details with transaction ID, etc., - I have shared this evidence with them, but their lack of proper response and their careless behavior towards handling this situation is shocking. I would like to file an official complaint to resolve this matter quickly. Thank you!
Product: Checking or savings account

I was given a reward promotion on the account they never honored for direct deposit for {$600.00}. I had to walk in to the branch to open that account that they initially gave me this flyer. I recently contacted them because it should been honored back in XX/XX/2023 it never was. I get a call it was not honored because they claimed there was a another account opened when there never was. I opened the very first accounts as a walk in when I was given the flyer then. They created this expectation now they do not want to honor it. And they are fabricating something that never existed that they can see never existed as well. I had to return to the branch two XXXX in a row just to open the account i have now that eventually got opened.
Product: Debt collection

Did not receive notice to dispute debt for {$280.00}. I do not know the date. The company forwarded debt to collection agency and agency did not contact me prior to placing it on my credit nor giving me opportunity to dispute or work out a payment plan.
Product: Credit reporting or other personal consumer reports

The following hard inquiry currently listed and showing on my Experian credit report is a fraudulent and unauthorized hard inquiry : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

1. There is a late payment showing for XX/XX/XXXX, I was in forbearance. 2. XXXX representative provided incorrect email address repeated it twice, forms were sent to that address. XX/XX/XXXX, another representative called and provided correct email address and conflicting information causing forms to have to be re-sent and updated. 3. I was struggling with payment amount in XXXX, told that I was 75 days late And that they did not report late payments until 90 days, misled about them wanting to prevent negative reporting to the credit bureaus and that I would be placed into natural disaster forebearance as I live in wildfire territory. This forebearance was supposed to cover XXXX XXXX XXXX. They in return reported the late payments and later acknowledged that I was in natural disaster forebearance until XX/XX/XXXX. There is email proof and representative XXXX and supervisor XXXX on XX/XX/XXXX and nd representative XXXX and supervisor XXXX on XX/XX/XXXX. 4. There is a late payment listed for XX/XX/XXXX, at which time I was also in a natural distaster forebearance, as supported by email and acknowledgment by representative XXXX in conversation on XX/XX/XXXX and representative XXXX and supervisor XXXX on XX/XX/XXXX. 5. They are reporting to XXXX that I pay XXXX per month which is negatively impacting my debt to income ratio. 6. I have been struggling with repayment and was never notified about any forgiveness programs until XXXX, at which time i would been more than eligible for the public service forgiveness program as I have been work g in XXXX XXXX for 8 years. 7. They never offered to consolidate loans until XXXX. 8. They sent me a letter on XX/XX/XXXX starting that they didnt have to investigate my dispute and that no updates were made to the accounts yet they did, as they changed the date that loans were first reported from XX/XX/XXXX to XX/XX/XXXX. They did this with ill intent, to purposely negatively impact my credit score, and to stop me from disputing the accounts. I have 8 accounts, so 56 late payments although the loans are now consolidated, are killing my score. 9. When logging into my account on XX/XX/XXXX, my balance shows XXXX, yet they are reporting 120,000 plus to all credit bureaus which is having a negative impact as well.
Product: Debt collection

On XX/XX/year> I moved between two apartments both at XXXX XXXXXXXX XXXX  in XXXX, Texas. On XX/XX/XXXX, I was informed by XXXX credit monitoring that a collection for {$210.00} was in my name. I immediately called Procollect ( the collection agency ). They notified me it was from my apartment complex under my prior unit 's address and I immediately paid in full expecting the collection to be removed. I had received absolutely no communication concerning the debt prior to this. Two days later, XX/XX/XXXX, Procollect sent me a paid in full letter that still used my former address. After requesting more information from Procollect I found that all communication had been sent via mail to my former apartment number where it could not be received. Given that I had moved within the same complex XXXXProcollect knew or should have known my correct current address and also knew or should have known that the address they mailed communication to was incorrect. Sending notice to this incorrect address reflects either gross negligence or malice on their behalf. Despite XXXX having my phone number, current address, and email no effort was made to contact me by any of those means at any time. Procollect and XXXX have rejected multiple requests I have made to them for removal of the collection from my credit report on grounds of insufficient notice.
Product: Mortgage

I am writing to file a formal complaint against Fay Servicing regarding the handling of my mortgage account. As a property owner with a mortgage, I expect a certain level of communication and transparency from my mortgage provider. However, my recent experience with Fay Servicing has been deeply unsatisfactory. 

I recently discovered that my property is in default, and I never received any advance notice from them. This lack of communication and transparency regarding my account 's status is completely unacceptable, especially considering the significant impact it has on my financial well-being. 

Furthermore, the amount of these fees is excessive and unreasonable. As a property owner, I have a right to know what I am being charged for and why. I feel that Fay Servicing has failed to provide me with this information and has instead chosen to charge me exorbitant fees without justification or advanced prior notice.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experians fraud dispute department located in XXXX XXXX. A male agent answered the telephone and identified himself as XXXX. XXXX then deliberately and willfully hung up on me for whatever reason. I have called Experian on several occasions and never had any agents hang up on me except when XXXX from the fraud department answers the telephone. 

I have gotten XXXX several times and each and every time the call is disconnected at the onset of the call. This is unprofessional and reflects poorly upon Experian. This is preventing me from filing a fraud dispute over the phone, pursuant to my rights under the Federal Fair Credit Reporting Act. This is, among other things, an abusive practice. Mikes behavior is improper. I have all of the recordings with XXXX recorded. 

Please be advised : this notice is an attempt to correct Experians egregious behavior and any information received from you will be collected as evidence should any further action be necessary. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 has violate 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 which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to Retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to Potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : XXXX XXXX Account # : XXXX Reported Balance : {$0.00} XXXX Account # : XXXX Reported Balance : {$1200.00} XXXX  Account XXXX : XXXX Reported Balance : {$1800.00} XXXX Account XXXX : XXXX Reported Balance : {$95.00} XXXX Account # : XXXX Reported Balance : {$4100.00} XXXX  Account # : XXXX Reported Balance : {$2000.00} I have attached supporting documentation to assist with your investigation. 

I request that Equifax : Conduct a thorough investigation into these matters. 
Correct or delete the inaccurate information as appropriate. 
Provide me with a copy of the updated credit report reflecting these changes. 
Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

Information on my credit report that is incorrect & needs to be removed immediately Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a customer of Citi bank for years, so I was very surprised when I received notice that my credit limit had been cut in half ; especially given I had never missed a payment with them. After calling the number provided, I was told that the reason for this was that another credit card I have from XXXX XXXX XXXX reported I had a late payment the previous month. So as any concerned responsible consumer I called XXXX to ascertain why this information had been reported ; after a week of back, an forth it was found that this reporting was done in error. So XXXX sent the paperwork to all XXXX bureaus to have this removed as of XX/XX/XXXX, but when I called Citi they said that they could not see this ; despite even being told I have a letter from XXXX that states it was an error, and the information was requested to be removed. I was then told by a supervisor that they would monitor/look for the update, and would then submit a reinstatement when they could see it. So this week, as of XX/XX/XXXX, I got the XXXX credit report ( which is what Citi stated is the only they use ), and found no erroneous data. In calling back to Citi they now are stating that they still can not reinstate my limits due to paid/closed accounts from XX/XX/XXXX ; which were there when they approved my card initially, and subsequently increased the limits in XX/XX/XXXX. I stated that made no sense, as they would have denied me the card initially, and definitely the increase last year. They stated that the department they work in did not make those decisions, and could not comment on why, and stated there was no one I could speak to further on the matter. I find this to be unacceptable, as this was all the result of a mistake not made by myself, nor had I any missed payments with them ; or any other company for that matter. This has caused a XXXX point drop in my credit score due to what the utilization now states, which gives that appearance that I am not a good risk/customer to do business with. I have listed my desired outcome below ; in the event this is not resolved I feel my only recourse is to seek out legal action against such business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry was inaccurate. I sent it to the credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the inquiry listed below. 

XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

Southwest Credit Solutions reinserted two collections on to my credit report without properly notifying me. These two debts have been once removed from my consumer report, but they have been reinstated. I have reached out to this company to no avail.