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

I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXXwhen a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX.
I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance.
As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX XXXX XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/year> The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was no and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have faxed them my police report and I have occur inquiries on my report that I did not authorize. Before anything is done on my credit I am suppose to get a phone call but I do not. I also was suppose to have a block from any other credit inquiries being done so nothing new will pop up. No inquiries or no new credit application unless approved by me. Please remove The inquiries are  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX -   XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I refinanced my home to pay off credit cards. XXXX XXXX XXXX, law firm who handled my closing, mailed check # XXXX via certified mail for the pay off amount of {$4800.00}. Macy 's deposited the check but never posted the payment to my Macy 's account ending in XXXX. 

I have also faxed Macy 's a copy of the check, and the signature of the employee who signed for the check. Macy 's has been provided the bank routing #, account #, and check #. 

I opened a missing payment dispute with Macy 's, and still have not received positive resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m ' account vulnerable and unprotected. 
+ Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

I understand the customer service rep that answers the phone at the 3 credit bureaus is not the owner nor the ones thats running these credit bureaus. It took me between 8 to 10 years to get my credit together, Im still not done but its in good standards. XXXX XXXX XXXX  and going back and forth with Experian for the last 6 days about reporting wrong information from these creditors without know evidence. The more I fight about the hard inquiry and the hard delinquent on my credit report Experian come back with more discrepancies and lies and know proof. I havent any hard inquiries know delinquents in 9 years, only thing should be on all 3 of my credit report is my student loan I have to pay off which is not going to take to long. I had a rough times over the years with beating XXXX going through a XXXX XXXX, still dealing with XXXX XXXX  but still willing to fight until I get it right. I dont approve of a companies reporting lies, because Im filing a complaint, if I need to contact my family attorney I can do that as well, I dont respect XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Plaintiff, XXXX XXXX XXXX, states his complaint as follows : Plaintiff is an individual who now resides in XXXX , Virginia . 
Defendants OneMain Financial Plaintiff entered into a loan agreement with One Main Financial XX/XX/XXXX. 
The original loan amount was {$10000.00} which was deposited in my XXXX XXXX account on XX/XX/XXXX On XX/XX/XXXX One Main mailed a statement which represented a balance of {$10000.00}. Plaintiff inquired about the {$500.00} increase and was informed that it was not part of the loan To date the account has not been adjusted. 
As a result, the interest rate ( MAPR ) exceeds the maximum interest under the MLA.

COUNT I Violation of Military Lending Act 1. Plaintiff incorporates the previous allegations of his Complaint as if fully set forth herein. 
2. Defendants actions as set forth above constitutes violation of the MLA.

3. One Main actions included undisclosed fees which was not verbally expressed to applicant.

4. In addition, One Main actions increased the MAPR over the maximum amount under MLA
Product: Checking or savings account

After opening my account, I had funds direct deposited into the account. At the time, the deposit should have been once a week. I used my Debit card for a XX/XX/XXXX. The balance left in my account was lower than {$5.00}, but before another deposit could be made, there were fees applied to my account causing my account to become overdrawn. When the store charges tried to post to my account, more overdraft fees and overdraft protection fees were applied causing more of a negative balance. When I learned of all the fees and the chaotic mess that my account was displaying, I immediately had my direct deposit switched to another bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Collection Account Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute the collection account reported on my credit report, which does not comply with Metro 2 reporting standards. I am requesting that Experian conduct a thorough investigation into the accuracy and completeness of this collection account and promptly delete it from my credit report if it is found to be unverifiable or inaccurate. 

The account in question Is : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Experian is obligated to follow Metro 2 reporting standards to ensure the accuracy and completeness of the information reported.

To support my dispute, I am providing the following documentation : A copy of my credit report highlighting the disputed collection account.

Proof of identity ( e.g., a copy of my drivers license and Utility bill. ) Any relevant correspondence related to this account.

Additionally, I would like to bring to your attention several court cases in which Experian has been found in violation of accurate reporting requirements : XXXX XXXX Experian Information Solutions , Inc. : The court found that Experian failed to conduct reasonable investigations into disputed information. 
XXXX v. Experian Information Solutions , Inc. : Experian was found to have violated the FCRA by reporting inaccurate information and failing to correct it after being notified. 
XXXX XXXX Experian Information Solutions , Inc. : This case demonstrated Experians non-compliance with FCRA standards in maintaining accurate and verifiable information on consumers credit reports.

Given the above-mentioned legal precedents, it is clear that Experian has an obligation to ensure that the information reported is accurate, complete, and verifiable. Failure to comply with these requirements can result in legal consequences, as demonstrated by the aforementioned cases.

I kindly request that you : Investigate this collection account under the FCRA guidelines. 
Delete the account from my credit report if it can not be verified or if it is found to be inaccurate or incomplete. 
Provide me with a written statement confirming the results of your investigation. 
Please be aware that I am maintaining a detailed record of my communications with you regarding this matter. Should you fail to comply with this request, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

A certified letter was sent to Plusfour Inc. at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, on XX/XX/2024 in an attempt to request validation of the alleged debt they are reporting on my credit report. It has been over 30 days and I have yet to receive a response to my request by providing proper documentation to verify any HIPAA authorizations to any third party with my signature as well as an detailed/itemized list of charges and fees that equal to the amount of debt they allege I owe. My rights to validate this debt are being violated pursuant the Fair Credit Reporting Act. I am enclosing a copy of the letter of request as well as the current credit reporting by Plusfour Inc.
Product: Debt collection

PLEASE SEE DOCUMENTS AND HAVE THE FOLLOWING ACCOINTS DELETE OFF MY CRED ASAP! WITH IN THE NEXT 24 HOURS PLEASE!!!! 

XXXX IS STILL REPORTING THE FOLLOWING ACCOUNTS -CAPTIAL ONE-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I called Ally and asked to add two to three payments on the end of the loan due to Covid-19 hardship. The rep kept saying sure but then would demand that I pay the full balance and no help. I then asked again and he said yes he would help and then demanded that I make a payment again. He kept agreeing to help then would demand a payment. I then asked to escalate it to a supervisor. He said sure but then didn't do it. He kept asking how much I could pay right then. I said I couldn't pay anything yet due to income loss. He then said he would escalate it XXXX this was the second request ), which again, he didn't do. He said he would send my request to a supervisor who would then contact me and help me. Guess what? No one has contacted me. We were on a chat for an hour in which he lied the whole time and kept demanding that I make a payment right then. I never got a supervisor to help me. I have had good standing with Ally until covid-19. The guy on the phone told lie after lie and then kept demanding payment.
Product: Debt collection

After being denied a mortgage, I checked my credit report and discovered that Commonwealth Financial Systems inaccurately reported a Medical bill to the credit bureaus. 

Against my wishes my medical provider called for an ambulance to transport me to the hospital XX/XX/XXXX, although I was capable of driving myself, I was unemployed and therefore, unable to afford health insurance, I incurred an ambulance bill in the amount of {$990.00}, which I was not able to pay. 

Commonwealth Financial Systems purchased the debt from XXXX XXXX XXXX and in XX/XX/XXXX reported it to the credit bureaus, using an account was opened date of XX/XX/XXXX, instead of XX/XX/XXXX, to have a greater negative impact to my creditworthiness. After I discovered what was done, I disputed the information as being inaccurate, Commonwealth Financial verified the information to the credit bureaus as being correct. I again disputed the information and XXXX   credit bureau responded two days later that the information provided by Commonwealth was proven to be correct. Commonwealth Financial System continually violates FCRA rules by falsely reporting debt information to the credit bureaus to intentionally cause harm to consumers. On XX/XX/XXXX, I called Commonwealth Financial System, identified myself and asked to speak with a supervisor, I gave her the correct account date and requested that they correct their errors, I was told by the same supervisor that it was legal for them to report the account opened date the way they did, I then asked her to provide me with written details of the account, showing that the was opened XX/XX/XXXX, including, letters of attempts to collect this debt and they refused, she also stated that my only remedy is to pay the full amount due.
Product: Debt collection

My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX  put the account to collections with XXXX XXXX XXXX ( ERC ). 

After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license. 

XXXX  confirmed in writing that this was identity fraud later in XX/XX/XXXX. 

I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days. 

It has been 4 months the item is still on my XXXX  and XXXX XXXX credit reports and substantially affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

An e-OSCAR XXXX was sent by XXXX ( XXXX XXXX ) to Equifax to delete a line item off my credit report. The XXXX No. XXXX. 

This was sent on XX/XX/2021 and XXXX states that sent this to Equifax and Equifax did not delete the line on my credit report. This is very important and has been an ongoing issue for months now. XXXX XXXX has stated numerous times that they want this removed per the XXXX above. 

Please investigate ASAP as this is been an ongoing issue that is preventing me from closing on my house. The use of e-OSCAR is supposed to prevent delays such as these, but it seems to have fallen through the cracks. I have filed a XXXX complaint in the hopes of getting things moving in the right direction as well. I would love to just have this removed per the request of the data furnisher ( XXXX ) as the other credit reporting agencies have already done.
Product: Credit reporting or other personal consumer reports

Dear LVNV Funding LLC I am writing in response to a inquiry in regard to this account alleged debt you claim on own. Under the Fair Debt Collection Practices Act 15 U.S.C 1692g I am requesting validation of this debt, Including the following information : 1. The original creditors name and address 2. The amount of the debt, including any fees or interest added.

3. A copy of the signed agreement or contract proving I own this debt.

4. Proof that your company has legal right to collect this debt.

5. A detailed payment history showing how the amount was calculated.

Until you provide this verification, I request that you cease all collection activities including reporting this debt to credit bureaus, as unverified debts should not be reported. Additionally, if this debt is incorrect or if I am not responsible for it, I request that you update your records accordingly and cease further contact regarding this matter. If you fail to provide proper validation, I will consider this matter closed. I will be deleting off my credit report. 

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

Credit reporting companies, the big three - XXXX, transunion, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to Transunion. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
Product: Checking or savings account

I created a moneylion account and set up direct deposit for my wife. Im so glad I hadnt switched my direct deposit to it yet! They locked my account RIGHT AFTER the money was deposited and I have no way to access the funds. Thankfully her check was small that week and we were able to prevent her next check from going in. Ive wasted a lot of time on the phone with people I can barely understand. I just want her money back ( which I WILL GET BACK!! ) and we will never use moneylion or any other similar banking apps again!
Product: Mortgage

In XX/XX/XXXX th of 2024 I started a refinance for my house to pull out some cash, i worked with XXXX XXXX XXXX  XXXX with XXXX XXXX NMLS : XXXX, i asked whether it was possible to do because ive had yet to live in my primary addres a full year and didnt want to go throught it without it being too soon, XXXX said it should not be a problem and that we may proceed. So we proceeded back and forth got everything turned in and on the last steps got an appraisal and i paid for it out of pocket about XXXX dollars and i was ok with that. A week later had not heard anything and i contacted XXXX and he then said that FHA declined app due to me not living there for a full year and that we would have to resubmit application and appraisal and i needed to pay another XXXX for appraisal again. I talked to them about that fee being waived or discounted because it is their fault they misinformed into applying sooner rather than later and now i have to pay about a XXXX dollars XXXX  due to their mistake or misleading sales conduct. I want them to refund me what i paid for the second appraisal and i only think its fair since they mislead me with being able to procceed and saying that it should not be a problem applying the first time i did