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

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. 

The fraudulent items on my credit report, specifically associated with collection -XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} and inaccurate addresses, have been brought to your attention on multiple occasions. I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report.

A written confirmation of the resolution, including the date when the fraudulent items were removed.

An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report.

I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system.

Failure to address this matter within the exact timeframe from the date of this letter may compel me to explore legal avenues or involve relevant regulatory authorities to resolve this issue. I am asking for your assistance to remove these fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed XXXX {$690.00} XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to current law, medical debt under {$500.00} should not appear on an individuals credit report. XXXX XXXX has a collection entry on my credit report with Equifax for {$180.00}. I notified Equifax of this error and their response was that it was corrected but all they did was change some information and left the collection. I called them to appeal the decision but was told that nothing could be done. I have been damaged by credit decisions based on this error including denial of credit. Please fine them and send me restitution. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to all three Bureau more than a month ago and i have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, and XXXX Ref # XXXX, and TransUnion # XXXX, 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.
Product: Credit reporting or other personal consumer reports

I created and Experian account to monitor my credit. They started sending too much spam and I decided to cancel my account as I no longer need credit monitoring services from Experian. Their website did not provide an option to cancel it there so I reached out to their customer service via email and they basically said they won't remove my data or account due to an internal policy. Now they are storing my financial data without my consent.
Product: Mortgage

I had a XXXX XXXX plan in effect. I was told by Guaranteed Rate that if I completed XXXX XXXX package my mortgage would go back to good standing, but would be a XXXX year mortgage. I had to have my XXXX payment in by XX/XX/XXXX. I have proof of delivery that the payment was received on XX/XX/XXXX. I emailed XXXX who I was working with and she replied to me that she forwarded the information to Loss Mitigation. I sent in my XXXX payment which proof of delivery shows was received XX/XX/XXXX. This XXXX payment would complete trial package. I emailed proof of delivery to XXXX on XX/XX/XXXX. No one responded to me. I emailed again on XX/XX/XXXX. XXXX told me that XXXX XXXX says they did not cash the check until XX/XX/XXXX so they are telling me I brook the trial payment plan. This is a breech of contract. XXXX told me I could keep making the trial payment plan monthly until the research is completed and they will get back to me on XX/XX/XXXX. Meanwhile any payment I made through the trial modification plan has not been applied to my loan. My credit report also says I am in default of my loan. I filled out an XXXX  application, but XXXX says they are waiting for Guaranteed Rate 's response. I am being lied to and manipulated after I stood by a contract I signed, and they should too.
Product: Debt collection

The original debt is with XXXX XXXX XXXX of the XXXXXXXX XXXX. There are several problems with this debt in which I had at least 6 phone calls with XXXX about the following : 1. I was not made aware when they came and knocked on my door trying to get me to sign up for their services that I would be entered into a year-long contract with their company. The rep did not tell me this nor is there any contract that I received a copy of stating this. 
2. The amount of the debt is for 4 services, plus one 30 day follow up service to the first of the four. The company only performed one service and the follow up service, that was it. 
3. XXXX is a pest control company. I hired them expecting them to be able to get rid of the mice in my garage. After expressing to them on more than one occasion that I really needed help in my garage with the mice, their employee placed ONE poison " house '' outside of the garage and that was it. 
4. The poison they placed in my yard was easily accessible by my pitbull that has a strong desire to chew up plastic items and the item they put in my yard was plastic and therefore could have killed my dog. The poison was also outside of my garage, the mice were living inside the garage so not sure how well they thought this attempt to kill them would work. 
5. After the above happened, I called the company to complain and was told they would not send a tech back out, to just wait at least 2 more weeks to see if the problem still persists. TWO WEEKS WITH MICE? By that time they would have multiplied by at least 4x. 
6. Once I realized the company 's level of incompetence, I told them to not come to my home again, that I was hiring another company that knew what they were doing and would do the job correctly. Which I did and the mice were gone within one week of them coming to my home. 

I have tried to explain to XXXX it is completely unfair that I wasn't made aware of the fact that what they were signing me up for was a year long contract. Also that I didn't receive any kind of paperwork stating such. They were not sympathetic and told me i had to pay for all of the services, even the ones I did not receive. I feel like I should not have to pay for anything I did not receive, and I also think the " services '' that I did receive were so far from what is expected that I should not have to pay for those either. They continued to call me and ask for money even though I told them the same thing every time. Then when I would ask to speak to a supervisor, I was told I can't and that it wouldn't make a difference anyways, since no one would help me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items 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 ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 



XXXX XXXX  XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

I had my car financed with Santander XXXX XXXX. I had no choice with the loan company the dealership ( XXXX ) went with, I owed more than the car was worth.The interest rate is so high XXXX XXXX and whenever I have contacted them, the customer service is not helpful and also very rude. I do n't like that they wo n't refinance at a lower rate. I feel like I 'm being ripped off by this company. I have paid for this car twice from the looks of it I still owe XXXX plus on this car as of today.
Product: Checking or savings account

On XX/XX/year>, I was charged a {$25.00} closing fee for my HSA account at HSA Bank even though I never authorized a closure. The closure was apparently initiated without my consent because I initiated a transfer of funds out of HSA Bank into another institution ( one that offers a fair interest rate, unlike the 0.00 % offered by HSA Bank ). When I realized that a closure had been initiated without my consent, I called HSA Bank to reverse this action. They did this and the customer service rep told me that a refund for the fee would be issued. The account is now re-opened ; however, the closing fee has not been refunded to my account. 

On XX/XX/year>, I sent an email detailing this situation to HSA Bank 's customer service email XXXX. They responded saying they could not help me over email and that I need to call them. 

I do not have time in my day to stay on the phone chasing down a junk {$25.00} closure fee that should never have been taken from me in the first place ; hence, I am filing a complaint here.
Product: Debt collection

In the year XXXX I rented an Apartment unit from a man named XXXX XXXX. In XXXX XXXX XXXX said they bought the place and I was on a monthly contract until XXXX of XXXX. It was a horrible leasing company. Also in XXXX of XXXX they started housing students from the University claiming to be dormitories or student housing. I was never a student. I attached email correspondence showing proof of this. 

I've disputed this with all 3 major credit bureaus. All of KIMBALL TIREY STJOHN information doesn't add up. Their records don't start until XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Mortgage

My lender is stating there are no home retention options since my previous denial XX/XX/2016. My application was re-submitted XX/XX/XXXX because of changes of circumstances. SPS never provided denial reasons or provided denial letter, in addition, the P.O.C was changed without notice, had I not called in to find out I was never properly notified. I last spoke to the previous P.O.C who verified we will be re-submitting file. After that, lender felt the need to only communicate with me instead of my attorney when they know very well that I have XXXX. SPS has never tried to contact me in the past until I retained an attorney. I am now facing a foreclosure and not being told the exact reason for my application being denied.
Product: Checking or savings account

I have been trying for sometime now to open an account with this bank. I apparently have a membership but for some reason a verification process is still pending years in a row. I have called Navy Federal and Im getting no where. I would like to be able to open my account. What is the hold up.
Product: Payday loan, title loan, or personal loan

My Husband and I purchased new windows for our house through XXXX XXXX. We decided to take advantage of a financing offer through XXXX 's partner, Greensky Financial. We applied by providing our information to the XXXX representative using our legal names, XXXX and provided the XXXX 's representative with our state issued identification as well as our personal information, all of which has my married name of XXXX. When our first statement arrived I discovered that Greensky had changed my name back to my " maiden '' name of XXXX, citing that they did it because that is what the credit bureau has listed as my last name. Greensky refuses to correct the error and instead demanded that I provide a copy of my marriage license. It is my belief that Greensky Financial has discriminated against me due to my gender. I firmly believe that if I were the secondary applicant and I was a woman my name change would in no way be questioned. I frequently check my credit with all three bureaus and they all have me listed as XXXX XXXX and XXXX as " other names known by ''.
Product: Money transfer, virtual currency, or money service

I am writing to formally discuss my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX and XXXX has been reporting inaccurate information which is a violation of 15 U.S. CODE 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to blatantly report XXXX/XXXX Incorrectly, Despite Several Disputes with submitted proof of documentation that the account is PAID IN FULL. I PAID XXXX XXXX/XXXX   in 2015 in the XXXX Court of XXXX County. Just recently Experian completed an Dispute and REFUSE to change/correct the account to a PAID IN FULL STATUS, but to add insult to Injury, the Investigation stated that new information was added : THE NEW INFORMATION REPORTED A HIGH BALANCE OF OVER {$1800.00} as a Credit Limit, and my Original Credit Limit was only {$700.00}! This is Ludicrous, I now feel penalized for Monitoring my Credit Report as I should. This is in Violation of my Consumer Rights under FCRA. Reporting incorrect information on someones Credit Report is Illegal.
Product: Student loan

Recently, I discovered that Navient, who absorbed my loans from XXXX XXXX, has my monthly payment amount hidden away as a different amount than agreed to through XXXX XXXX in XXXX of last year. I agreed to pay {$610.00} per month, and they have the amount documented as {$640.00}. 

There are a few problems that I have with this:XXXX. I was under the impression that when my loans transferred to Navient they would stay the same, or I would be notified of any impending changes. 
XXXX. I was never notified of the change to a new payment amount. 
XXXX. I never received a new agreement letter from Navient. My cosigners did, however, it does not indicate what amount is due per month. In addition, the letters do not even accurately describe the loan amt between my mother, father and loan number, and sound as though my parents signed an agreement on a new loan. I never received a document stating I had taken new loans through Navient or anything of the like. 
XXXX. I did n't notice the difference previously through late fees or penalties, because I over pay every month. 
XXXX. XXXX XXXX REQUIRED that I sign up for automatic withdrawal for this " payment plan. '' That payment is set to come out every month, on the XXXX, at {$610.00}. Navient has continued to take out {$610.00} per month, another reason why I was unaware of the change. 
XXXX. If I did n't over pay, they would be automatically taking out an amount less than what they indicate my payment is. What would that be doing to my balance and interest? Does this currently have a negative effect on my balance? 
XXXX. I had to hunt for this information. My billing statements never indicate what amount is due per month, which always leads me to question if they 're actually applying the payments to the current month, or considering it a payment into the month ahead - a topic addressed in previous CFPB complaints about Navient 's predecessor, XXXX XXXX. 
XXXX. I also discovered that I no longer have access to my previous XXXX XXXX documentation. I requested information on how to access previous correspondence and have received no reply. 

I have supporting documentation to provide.
Product: Credit card

I am writing to formally lodge a complaint regarding the handling of my recent travel reservations through Capital One XXXX. As a loyal customer with multiple accounts and substantial assets under Capital Ones management, I was dismayed to discover that my flight from XXXX  XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX ) was canceled due to what Capital One referred to as lack of inventory of seats. This is the reason I received for the cancellation from your agent when I called. 

It is important to note that this inventory issue falls squarely on Capital One, and the notification of cancellation was sent to my junk email folder. Consequently, I was unaware of the cancellation until I attempted to check in for my flight. This lack of communication reflects poorly on your customer service standards and protocols. 

As a result of this cancellation, I was forced to rebook my flights at a significantly higher cost, totaling over {$1800.00}, compared to the original fare of around {$710.00}. Interestingly, despite the supposed lack of inventory that led to your cancellation of my travel- I was able to rebook on the same exact outbound Alaska flight from IAD to XXXX - just at a much higher expense. 

When I sought assistance from your customer service team, I was offered a mere {$50.00} travel credit, which I find wholly inadequate given the circumstances. This resolution does not align with the level of service I expect from a company of Capital One 's caliber and fails to address the financial impact of your error.
Product: Credit card

Over XXXX XXXX XXXX needs to be deleted from credit report asap.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions XXXX. ) TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) 8. ) United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Please see the attached file below.
Product: Vehicle loan or lease

I BOUGHT A NEW VEHICLE ON XXXX XXXX AT XXXX XXXX, AT XXXX XXXX XXXX XXXX, THEY GAVE XXXX AN ORIGINAL PRICE OF {$51000.00} ( WHICH INCLUDED ALL ACCESSORIES, SERVICES, AND TAXES ) AND I GAVE {$10000.00} AS A DOWN PAYMENT, ASSUMING THAT THE BALANCE WOULD BE {$41000.00} BUT THEY APPLIED MANY CHARGES THAT I DON'T UNDERSTAND, BECAUSE IN THE END OF SALE PRICE INCREASED TO {$63000.00} AND MONTHLY PAYMENTS OF {$740.00}