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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureau Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX  XXXX account. Despite my previous disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies remain unaddressed, violating federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Number : XXXX High Balance : {$3800.00} Last Verified : XXXX  Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29.00} Closed Date : N/A Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Open Payment Status : Current Creditor Remarks : Customer disputed account - reported by subscriber Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$10000.00} Issue Summary : The late payment reported for XXXX and XX/XX/XXXX on Experian is inaccurate. This account has no history of payments being late, as evidenced by the payment history data. 
Specifically : Experian erroneously lists a 30-day late payment for XXXX and XX/XX/XXXX, despite no supporting evidence of this delinquency. 
Violations : FCRA Violations : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must ensure the accuracy and completeness of information in consumer reports. XXXX failure to investigate and correct this error violates this provision. 
15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain accurate information. The discrepancy indicates non-compliance.

TILA Violations : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this requirement, as I received no prior notice of any overdue payment.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements. The reporting of an unfounded late payment contravenes these protections. 
Evidence : Attached to this letter, I have included : Screenshots of the credit report from Experian showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payment history records demonstrating no delinquency for XXXX and XX/XX/XXXX. 
Resolution Requested : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction by Experian.

Assurance that procedures will be implemented to prevent similar errors in the future. 
If this issue is not resolved within 30 days, I will pursue additional legal remedies, including filing further complaints with relevant regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit XXXX the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Debt collection

I informed this collection company to stop contacting me because I did not owe them a debt. I have never authorized them to contact me or signed anything that I owed them a debt. What they did was contact me at home continuously and interrupt our business operations with repeated calls demanding that someone speak to them. At this point I have informed them to stop calling but the continue. Moreover, I have never given them my personal information of which they are in possession of. They are fully aware that they are violating Federal laws but they do not care!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time contacting the CFPC and my disputes are still not being handled by Experian, XXXX  and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX  XXXX XXXX- XXXX-Unverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Mortgage

To whom it may concern, I am writing this letter to complain about services from Select Portfolio Servicing XXXX Inc. ( SPS ). They have been managing my load for the past couple of years and I have had a horrible experience with them. I have been asking the company to remove my home owner insurance from the escrow account since XXXX of 2014 and the failed to do so. I wrote letters and called many times and every time I heard a different and usually conflicting story. They deferred this request few times and never resolved the situation. Each time that I talked to a representative I heard a different story. It has been a frustrating experience for a simple request. I felt responsible to write this letter and complain so this type of behavior and services are prevented for other citizens. 
Thanks
Product: Debt collection

In XX/XX/2022, I contacted XXXX XXXX to terminate my service because I was relocating and no longer required my home telephone. I instructed that my service was to end on the last day of the month, and that no further charges were permitted to my account, which was to be closed. XXXX additional charge was debited from my checking account following my giving both verbal and written notice of cancellation. I contacted XXXX XXXX -- and after XXXX hours on the phone with XXXX different upper-level supervisors -- I was assured that the problem was resolved, and received XXXX different emails from them the same evening indicating that I now had a XXXX and/or negative balance ( reflecting the amount of the charge in question, which had been debited after my cancellation ). I saved these emails ; and, of course, I still have them as evidence today ( see XXXX screenshots, attached ). When I began receiving letters from XXXX that I still owed them money, I did attempt to contact them on several occasions, but was unsuccessful because my account no longer existed. That is to say, they could not locate my account neither by my address nor by my phone number, nor by my name, because both had been terminated. I was without recourse. Now, I have received a letter from collections ( XXXX XXXX XXXX in XXXX, MA ). I do not owe this debt. XXXX MUST cease all communications with me immediately, for I will pursue fervently all legal means available to me to seek action against them for harassment. Likewise, I will similarly seek legal action against any and all collections agencies, XXXX XXXX, and any and all other entities who attempt to seek and collect this debt falsely. Furthermore, should my credit in any way be adversely affected because of the erroneous reporting of this false debt to the credit agencies, I will likewise seek and pursue fervent legal action and hold all parties responsible for any and all legal fees I XXXX incur, including fees to restore any possible harm to my XXXX XXXX, which is currently XXXX as of the time of filing this report.
Product: Credit reporting or other personal consumer reports

My credit was affectionate without my knowledge which made a negative impact on my credit score and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found multiple inaccuracies on my credit report. 


XXXX XXXX  XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Credit reporting or other personal consumer reports

I got a hard inquiry today from Capital One, it was not me. I did not authorized nobody to check my credit
Product: Debt collection

The XXXX offices of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, bought XXXX old credit card debts from XXXX bank and sued me for those debts XXXX! They had my wages garnished XXXX  for up to {$700.00} biweekly. The total of the first garnishment was a total of {$5200.00} and the most recent was for the total of {$2900.00} ( for a {$1900.00} debt ). 
THE DEBTS WERE MORE THAN XXXX YEARS OLD ( I was unable to pay the original debt due to physical XXXX and the inability to work ) and I WASNT AWARE OR HAD THE CAPABILITY TO GO TO COURT TO DISPUTE IT! 
Being the sole breadwinner in my household, it has caused A CONSIDERABLE AMOUT OF FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS over the last year. 
These lawsuits are now listed on my credit report and part of my legal history with the court which has affected my ability to find new employment.
Product: Checking or savings account

I reported various fraudulent transactions made to my Citibank account. I was told I would have to wait 10 days to have provisional funds returned. My understanding is that I am protected by the Electronic Funds Transfer Act and if reported fraud within XXXX days I am only responsible for {$50.00}. I only have XXXX checking account and almost every cent has been taken from it. Im not responsible for fraud. It was caused by Citibanks inadequate security. I am due complete restoration of funds that were illegally taken immediately.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX, XXXX, and TransUnion. All of my disputes have been left unanswered. This is a direct violation of my rights under FCRA. I have attached the letters that I have sent to all three Bureaus. CFPB please assist me in fixing my credit report. Thank you
Product: Checking or savings account

By way of background, Venmo allows direct linking of your Venmo account to other apps including XXXX. For at least the past year, my Venmo account has been linked to my XXXX account. 

On XX/XX/2022, an unknown individual gained access to my XXXX account and subsequently placed an order of {$31.00} at a XXXX XXXX in XXXX, Nebraska. I first learned of this when I received the text message notification confirming the order. The unknown individual changed my login information for XXXX, but I was able to confirm in Venmo that the XXXX order was charged to my Venmo account. On the same date, I called Venmo customer support to dispute the charge immediately.

Initially, the call was taken by a customer service associate. After informing the initiate of situation, the associate promptly transferred me to a member of Venmo 's dispute team. I informed the dispute associate of the situation. I informed the dispute associate that I would like to dispute the charge as I did not authorize the transaction, have no idea who accessed my account, am no way associated with that part of the country, and that it appears that the breach was limited to my grubhub account. My vemno account is connected to my XXXX  XXXX XXXX checking account as I do not deposit funds directly into my venmo account. I asked the dispute associate if I should dispute the transaction with XXXX  XXXX XXXX or if doing so would frustrate Venmo 's investigation. The dispute associate asked that I refrain from disputing with XXXX XXXX XXXX while Venmo investigates. The dispute associate informed me that Venmo would freeze my account during the investigation and would reach out to me regarding next steps. 

On XX/XX/2022, I received XXXX emails from Venmo. The first, received at XXXX EST, informed me that Venmo disconnected my Venmo from my XXXX account due to suspicious activity. The second, received at XXXX EST, informed me that my Venmo account was unfrozen and notified me that the results of my dispute would be communicated to me separately. The third, received at XXXX EST, informed me that the dispute, assigned dispute ID : XXXX XXXX was denied because the transaction was consistent with my payment history. 

At no point was I offered to submit additional information nor contacted by the dispute resolution team. Aside from this, it is unclear to me how any reasonable person could deem a transaction consistent with my payment history, but, at the same time, deem it suspicious activity.
Product: Payday loan, title loan, personal loan, or advance loan

" I have the option to make my loan payments online as a consumer, which is convenient. However, during my last several online payments, the system accepted the payment for refinancing my vehicle, but when I was prompted to sign the document, an error occurred after the payment had already been accepted and confirmed. This issue has occurred even when the signature is confirmed to be valid. " Nevertheless, usually the next day or so I receive a notification stating that my refinance is pending and that I need to make an additional payment to refinance. Each day that passes the amount is increased and I am expected to pay whatever the amount is for the refinance to be complete. This is a system error that Title Max has recognized and has failed to correct the problem. This issue has become an expensive inconvenience to me as a consumer because I travel and work and do not have time to visit the store to make payments. It is not fair that I have to make payments in person in and not being allowed to utilize the option of paying online
Product: Debt collection

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Bank account or service

On XXXX XXXX, 2016 I took a check made payable to my order in the sum of {$54000.00} to my local branch of Huntington Bank in XXXX Ohio. I asked to deposit {$50000.00} into my checking account and to receive the {$410.00} back in cash. I received a receipt for the deposit and the cash in the amount requested. The employee counted the money and I counted it again to make sure it was correct. On XXXX XXXX, 2016, while reviewing my online records with the bank I discovered that they had debited my account on XXXX XXXX, 2016 for {$100.00} for " miscellaneous. '' I immediately contacted the bank and they told me that the check had been incorrectly coded by them for {$54000.00}. I asked to see that incorrect coding and they indicated it was not available. I asked to see proof that I had received an unauthorized {$100.00} and they had no proof. The employee may have intentionally or negligently incorrectly coded the check, but that is not my problem. Ninety days after the check was deposited and negotiated, the Huntington Bank, without notice to me and without authorization and without proof, extracted and debited {$100.00} from my account. The bank now refuses to put the money back. I have no idea what the bank is doing with " coding '' but I do know that I received a total from the check, of {$54000.00}. A bank can not simply break into an account and steal {$100.00}. The local bank and the home office advised me that they did not do an internal investigation to determine what happened to the {$100.00}. I have now begun to withdraw my accounts and investments from this bank, as I have lost confidence in their integrity. If they have proof that I received {$100.00} I was not entitled to, they need to produce that.
Product: Mortgage

Our APR has gone up significantly. We called to speak with an account Manager who stated our interest is based on XXXX rates or XXXX XXXX XXXX XXXX. The XXXX scandal goes back quite a few years and after XXXX  banking companies were fined for manipulating the XXXX rates. The XXXX rates then fractured into multiple different versions, and there no longer is an official XXXX rate. The mortgage says we are to be notified if the mortgage company changes how our rates are computed but they have not notified us of any changes. At this point the finance company is charging us 10.8750 % and can not justify that rate. This is a corrupt system and we are being overcharged. Our payments are due to PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the finance company has often not distributed money they collect from us as indicated on the face of our check which often generates additional cost ( s ) being assessed.
Product: Credit reporting

I submitted a complaint with the CFPB regarding an issue with Equifax reporting XXXX XXXX XXXX accounts that I was an authorized user on. I am no longer associated with the account so I requested the accounts to be removed. The CFBP sent my complaint to Equifax and I just received an alert that the accounts are still on my report and no longer in dispute. This cause my Equifax FICO score to drop XXXX points.
Product: Money transfer, virtual currency, or money service

Coinbase has my money and wo n't allow me to trade it or withdraw it. They have no customer support and have not responded to my emails for a week. I have {$7900.00} in XXXX on their XXXX trading platform with another {$9000.00} borrowed on margin. I am unable to touch this amount because all trading is disabled.
Product: Credit reporting or other personal consumer reports

Tonight, I found some incorrect accounts on my credit report and don't understand why they're there. My usual check revealed unexpected errors. Refreshing the browser didn't help ; the errors stayed. I am asking for a detailed examination of the documents I submitted so I won't have to worry about this again.
Product: Credit card or prepaid card

I applied for an American Express XXXX XXXX Card and was told there would be no fee the first year. I never received or activated the card, but began receiving bills for {$95.00} per month the annual fee. I have called this Company multiple times to complain and each time they have promised me the account is closed and the {$95.00} fee has been reversed. Each time that that has proven to be false. This seems very similar to how XXXX XXXX took advantage of consumers. 

I am requesting that the account be closed. The {$95.00} fee be reversed and an ethics complaint be filed against American Express as they clearly do not have the internal procedures in place to remain in compliance with consumer finance. The refusal by this organization to provide me written notification of the status of my request is against the Fair Credit Reporting Act.
Product: Vehicle loan or lease

Showing late payments as you was never late and file a complaint on the credit beaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is closed on my XXXX and XXXX report, but Experian keep the account open Due to XXXX XXXX lies! My husband passed away and they took the car before hand in.. I live on SS and from the state raising a child. He died with no life insurance, he had nothing. Each credit report shows different collection, then the other.
Product: Credit reporting or other personal consumer reports

I am writing to address a persistent issue regarding the validation of my address and identification details in your records. Despite submitting the required documents multiple times, it appears that these vital pieces of information continue to be disregarded by your bureau.

I can confirm that the address and identification provided are valid and up-to-date. I have taken the necessary steps to ensure that the documents submitted are accurate and meet your requirements. However, it is concerning that these efforts have not resulted in the validation of my address and identification details in your records.

I kindly request that you thoroughly review the documents I have submitted and update my information accordingly. It is crucial that my address and identification details are accurately reflected in your records to avoid any further discrepancies.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX XXXXXXXX and i have uploaded supporting documents to support my cliam on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has two accounts on my credit report. One from XXXX XXXX XXXX and the other from Ability Recovery Services. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!
Product: Checking or savings account

XXXX from employer went in on XX/XX/year>. 
Usually paid Wednesdays evenings, which would have been XX/XX/year>. 
It is Friday XX/XX/year>, with no pending deposits. Company will not give any updated information or XXXX of when deposits will be recieved. 
Still receiving " not enough funds '' notices from utility companies because Capitol One has deposited funds into account. 
Been on hold with Capitol One customer service for over XXXX hours, with no response.
Product: Credit card or prepaid card

This is my third complaint with this company. I was having health issues and explained my situation to this company. I also informed them that I would not be in a position to make a payment for the month of XXXX due to my condition. I was told by one of their representatives to submit the payment for XXXX and they would allocate the monies for XXXX. I submitted a payment of {$100.00} and requested that {$50.00} be applied to XXXX and {$50.00} applied for the month of XXXX. I have tried to go take the proper steps by explaining my situation to this company to no avail. I keep getting a reply that the information furnished to the credit reporting agencies is accurate. I am not disputing that the information is inaccurate, but what I am disputing is given misinformed information from customer service representative that work in this companies behalf. As a result a negative 30-day late was reported on my credit file. This an error or misstatement of the part of this company and should be corrected immediately. An exception should be applied to this situation due to me not being given the correct information. This company states that a XXXX payment was not made and this too is inaccurate information. I will continue to pursue this issue until it is completely resolved.