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

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar is charging me bogus fees for no reason, I 'm not late, completely current and paying extra every month on my loan and since XX/XX/2016 they 've charged me a ttl of {$90.00}. They are SUCH a horrible company, they can not tell me what the fees are for, they should n't be allowed to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Extra on XXXX XXXX XXXX via email because just to find out who a certain merchant was. " Extra Bot '' answered and I asked to speak with a human person, no response. 
On XX/XX/XXXX at XXXX I contacted Extra via phone in an attempt to speak to a human. I left a message both times and was never given a call back. 
XXXX XXXX, from Extra emailed me back on XX/XX/XXXX I then expressed to him that I " just wanted to know the name of the merchant on my account ''. Just the name of the company. 
On XX/XX/XXXX and after multiple emails, I was finally was given the name of the company, XXXX XXXX XXXX. I did make the charges and use XXXX XXXX very frequent so I did not want to pursue anything further. 
On XX/XX/XXXX Extra deposited {$2200.00} into my bank account. Extra reversed charges from XXXX XXXX with out my permission and deposited it into my account! Once I was made aware of this transaction I contacted XXXX XXXX and demand that I speak to an actual person about the issue on XX/XX/XXXX but was never contacted. 
XX/XX/XXXX, XXXX from extra contacted me via email and did not understand that I did not approve or give permission to do a reversal or pursue anything. I informed them that I will deal with XXXX XXXX personally. 
On XX/XX/XXXX, Extra then attempted, with out my permission, to withdraw the {$2200.00} from my personal bank account. 
There is over 50+ emails between XX/XX/XXXX and XX/XX/XXXX, with multiple agents. In every email I stated that I wanted to speak to someone on the phone and that my account needed to be closed immediately. I was never contacted and my account was not closed when I asked. 
From XX/XX/XXXX to XX/XX/XXXX my multiple request for my account to immediately closed was ignored and I was still being charged fees until XX/XX/XXXX. 
On XX/XX/XXXX I found out that Extra had reported a negative mark on my credit report, ( XXXX ). 
I did not charge the {$2200.00}, it was the mistake of Extra and I do not owe them I owe XXXX XXXX. They have no legal right to report their mistake on my credit report. 
Every Extra Agent that corresponded with me about this issue : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

i been receiving a phone call from a walter lee and Associates LLc. i finally answered to the call. A XXXX XXXX claimed to work for the company. and that i owed money to XXXX the amount of {$240.00}. if i wanted to pay the full amount or do a payment pan of {$120.00}. They already had all my information including ssn, address and etc. All they needed was my bank information to make plans. i gave them the information. thinking i was fixing my credit. when i called to follow up the call went straight to voicemail
Product: Credit reporting, credit repair services, 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. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the 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

There is an inquiry on my report from PayPal that I didn't submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a XXXX account with numbers XXXX For XXXX that is not mines. Needs to be removed. I only have one XXXX account for the credit limit XXXX that is mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXXXXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, Equifax, XXXX ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail  which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to XXXX since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Product: Vehicle loan or lease

Spoke with the supervisor about the monthly statement payment, why is it in green numbers instead of red? I was told by her is because is not late!! Really but if you look at the statement, above the part that I cut out where the dotted line is, she replied yes. So we both read it IF YOU ARE CURRENTLY UNDER THE PROTECTION OF THE UNITED STATES BANKRUPTCY CODE ( 11 USC 362 ; 524 ), THIS STATEMENT IS FOR INFORMATIONAL PURPOSES ONLY AND ITS NOT AN ATTEMPT TO COLLECT A DEBT. The supervisor cant explain it. Demanding a letter of explanation on why am I paying this for even though the instrument is already paid by my bond/Trust. Told the supervisor every time my SSN is used on something that is my credit card.. Ive filed XXXX motion with the XXXX XXXX XXXX which associates to Global Lending services for selling an instrument to me knowing it was defaulted and was in a flood. The instrument still smells XXXX XXXX XXXX doesnt matter how many time we detailed it. The stress and XXXX  that this matter has cause me and my family. Is indescribably painful due to the fact my spouse is threatening to leave due financial stress over this instrument.
Product: Checking or savings account

Capital One is authorizing online transactions to my Checking account without our signature authorization. We have notified their fraud department several times ( XXXX ) over the past 2 months with XXXX resolution. We finally escalated the issue to a XXXX in their fraud department identified as XXXX ( employee ID # XXXX ). He is supposed to be emailing us documentation that XXXX XXXX  provided to the bank authorizing these transactions when we know without a doubt that these transactions were not authorized by us. In fact, my wife researched the vendors and found that they were all in the state of CA that we haven't visited once in 2024. The transactions total over {$200.00}. We reported similar fraud transactions to XXXX and XXXX. Their fraud departments immediately reversed the transactions and blocked any further fraud activity. Capital One continues to have issues and, in fact, another unauthorized transaction hit our account from an insurance company, XXXX XXXX, that we have never heard of before for {$430.00}. We are hesitant to switch banks as we have been using this same checking account for over 25 years before this bank acquired XXXX XXXX XXXX. At this point, we are concerned that either someone at Capital One is colluding with online vendors to intentionally defraud their customers, their fraud department is incompetent or they simply no longer care about the security of their clients. All of these issues should be of concern to the CFPB. Please investigate Capital One Bank as soon as possible. If this issue is happening to us, it could be impacting XXXX if not XXXX of other consumers that XXXX be defrauded due to their lack of online security.
Product: Mortgage

I was told over and over by my mortgage company that my payments would be the same after my Covid relief and that everything that was missed would be put onto the back of the loan. Now my payments are becoming due and my house payment went up {$300.00}. This was deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my complaints to Transunion and XXXX and XXXX about wrong things on my credit report back in XXXX. They have not taken those things off and have not even responded to me. It has been past 30 days! 
Wrong Address Wrong Name Wrong Jobs Wrong Previous jobs Wrong Previous Addresses Charge offs Late Payments Inquiries
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  XXXX XXXX  reported a late payment for 30 days late, due date is on the XXXX payment drafted from my account on the XXXX i was never late and now after speaking with a supervisor he doesnt see where im 30 days. please not the fair act credit report suggests that you send accurate information to the credit bureau, a complaint has been filed with FTC also
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and Equifax credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
Product: Credit card or prepaid card

I applied for a credit card today XX/XX/2023 from an offer emailed to me from Capital One Bank. I have had a credit card with them for many years now and have always paid on time, and not once have been delinquent on a payment ; in fact I always pay much more than the minimum required. The email they sent was highly misleading. It stated that because of my hard work and excellent history with the company I was " pre-approved '' for a card with 0 % APR for the first 9 months. Here is the cut/paste from Capital One 's misleading email : " You work hard to manage your credit responsibly, and the next step on your credit journey is clearan offer to earn rewards on every purchase with the from Capital One, all with no annual fee. '' Thinking I could get 0 % APR for 9 months was great ( especially compared to what I pay them currently ), and I applied thinking I was " pre-approved. '' I was immediately denied and a hard pull on my credit report is now permanent because of Capital One 's misleading marketing practices. I work very hard to keep my credit history clean and all payments are always on time. I don't need this kind of negative reporting on my report. This kind of dishonest activity practice here by Capital One should be illegal. I attempted to email them at the address they sent my denial letter to and it was kicked back as undeliverable. The federal government needs to take these criminals to task for this kind of deliberate dishonesty. 
Bottom line : don't send out offers that a company does not intend to abide by. Capital One is a company that I will be making great efforts to no longer do business with because of dishonest business practices like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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. 

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Product: Debt collection

I have complained about the amount of calls from Bridgecrest on a daily basis. They have called me 7 times a day for the past 2 weeks. It seems that my only choices with Bridgecrest are no contact or 7 calls in a day. This is EXCESSIVE. I do not understand how they are allowed to harass customers daily and multiple times a day. I agreed to allow communication with them but did NOT AGREE to harassment! I know I am late on my payment but that does NOT give them the right to call 7 times a day. Thankfully I have a spam blocker on my phone but I want the CFPB to stop them from harassing me. If they do it to me, they are doing this to others. Professional companies do not harass their customers, I dont care how late my payments are. They have no right to do this. I approve them calling me ONCE A DAY NOT 7 TIMES A DAY. Please hold Bridgecrest accountable for this harass of customers. Please look into who else they do this to. IT IS NOT ACCEPTABLE!!!
Product: Credit reporting or other personal consumer reports

i filed a dispute on experian. they denied to follow up with the investigation. i recently was notified that XXXX filed a dispute on experian. they denied to follow up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation. experian has not attempted to remove, nor correct any information. im requesting this derogatory remark be removed or corrected immediately as its affecting my chances on getting ( house, car, etc ). experian violates my rights as a consumer, as well as federal laws.i filed a dispute on experian. they denied to follow up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation. experian has not attempted to remove, nor correct any information. im requesting this derogatory remark be removed or corrected immediately as its affecting my chances on getting ( house, car, etc ). experian violates my rights as a consumer, as well as federal laws.XXXX has filed a lawsuit against the company ( experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation. experian has not attempted to remove, nor correct any information. im requesting this derogatory remark be removed or corrected immediately as its affecting my chances on getting ( house, car, etc ). experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed. 
documented proof of verification and validation absent incertitudeness.
Product: Credit reporting or other personal consumer reports

Ive sent in a dispute letter letting them know of the problem They still refuse to delete this account I would like this delete immediately this account is violating the consumer laws.
Product: Mortgage

Planet home lending sold my mortgage to XXXXXXXX XXXX Planet home lending was supposed to stop taking payments starting XX/XX/2023, but they did not. 
They took out the payment anyway. 

I called XXXXXXXX XXXX is they are saying payment is due for XX/XX/2023. 

I called planet home lending, they said they will forward the payment but its still not forwarded and Im writing this complaint on XX/XX/2023 2023