23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XX/XX/XXXX, I filed a complaint with CFPB in reference to negative reporting and inability to resolute negative credit reporting after compliant CACI, deleted negative reporting from credit report. Now XX/XX/XXXX, CACI have reflagged my credit report for same COVID medical bill with different amount from {$1600.00} to {$2400.00}, for same account number with no explanation or letter in reference to past due, last communication received was clearing me from medical debt balance to {$0.00}. In XXXX and XXXX, during the XXXX, I was diagnosed with XXXX  XXXX XXXX  with once experiencing severe symptoms where I was in emergency room for hours approximately XXXX hours to temporarily gain control by medical professionals before discharging. However, I was advised that my medical bills were covered under Cares Act due to qualification from my positive XXXX cases. I submitted a disputed on this medical bill which were flag on my credit report by CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX. I disputed on behalf of Cares Act.
Product: Credit reporting or other personal consumer reports

Hello, A judgement was entered against me. As a result of that judgement, a wage garnishment was put in for the amount of {$8400.00}. At no point during the garnishment did the creditor update the amount owed on my credit report. The last payment was taken from me more than a month ago on XX/XX/year> and the company hasn't updated the status or amount. On XX/XX/year> I disputed the account as settled in full which the company reported was accurate.
Product: Credit reporting or other personal consumer reports

I am very worried about this late payment on my account since I have always paid on time. This mistake is causing me a lot of stress, and I ask that you please remove it from my account right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. From XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car for my son with Capital One Auto Finance on or about Fall XXXX. The car was subsequently repossessed in late XXXX ( possibly early XXXX ). Capital One Auto Finance has since charged-off the loan. At this time, Capital One Auto Finance is reporting the debt as " late '' on a monthly basis since XX/XX/XXXX. Capital One Auto Financing 's inaccurate reporting of my debt is having an undue negative impact on me. I have contacted Capital One Auto Financing on various occasions, and they refuse to correct the error. This behavior could be considered bullying as it is going on 6 years since the loan was defaulted. I am requesting that Capital One Auto Finance correctly report the debt and immediately cease to report a charged-off debt as " currently '' late on a monthly basis.
Product: Credit card

On Thursday, XX/XX/XXXX, I noticed a hard inquiry in my XXXX. I called XXXX and explain to them that I did not do any transactions at XXXX. They made a note on their end and asked me to call XXXX. I spoke to the XXXX. Customer service rep and he denied the application after I explain to him that it was fraud, they will send me a letter and also send a letter to XXXX. 

On the same day I had fraud done on my XXXX XXXX credit card, and my XXXX XXXX credit card. They both were done in Pennsylvania. I also called my credit card companies and made them aware.
Product: Mortgage

This is a second complaint filed -- the initial complaint resulted in the bank rescinding the original foreclosure. We discussed the payment required to enter into a forbearance agreement. The original amount discussed was significantly lower -- the amount that was offered by the bank was eventually much higher and the funds were not available to make such a payment. We agreed to sell the family home after making certain renovations : those renovations ( about 80 % ) were made at a cost of over {$40000.00}. We began listing the house a short while ago. It was our understanding that the bank would give us the time to try and sell the house at a reasonable valuation. The listing price was almost XXXX % below the tax appraised value -- I think it showed we were serious about selling the home as quickly as possible. A great deal of work went into the staging and removal of most personal items to a storage center. 

We were scheduled for a realtor open house last weekend when a stranger knocked at our door saying the property was listed in the paper for foreclosure just a a little over a week away and wanted us to retain him to fight the bank -- we declined. A couple of days later a letter arrived from the Bank 's law firm saying the foreclosure was re-instated and scheduled for XX/XX/XXXX. The bank officials with whom we had discussed the forbearance, etc.had out emails and telephone numbers -- they made no attempt to contact us an alert us they were moving in this direction. We in good faith made several investment renovations decisions in the prior week, including purchasing new counter tops and appliances for the kitchen and replacement windows. It appears that this investment has been for nothing and we will lose these money. The auction will only bring an amount close to the banks loan/lien and we will see $ XXXX - $ XXXX of equity disappear. 

Given our willingness to list and sell the house at a discount, I think it would only have been right for the bank to provide this time. Also they should have communicated sooner that they were moving forward with the foreclosure so we could have stopped investing in renovations to the home.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX priority XXXX ran a credit check and had an outdated score. The dealership ran my credit XXXX times I can not get my loans or credit because of this deliberate act to attack a consumer. The dealership has refused to do anything about this neither XXXX XXXX TransUnion... I do demand immediate removal of all hard inquiry or I will seek federal court for usc violation such as. Title XXXX title XXXX title XXXX. This has caused immediate harm to me and damages shall be recoup in XXXX to XXXX business days or I will seek out each CEO and and file a commercial lien against all assets. As well as federal charges
Product: Debt collection

My mother was contacted, my work was contacted and i was contacted from a company that claimed to be a place that served papers! They said they were serving me at work and my home or i could settle this debt today outside of court! They put me on hold several times to supposedly look up the information for the case! The number they gave was connected to a law office in ny and i live in florida! Then they told me about a old debt not even on my credit report anymore! I chose to settle so i could stay out of court but they did not send any paperwork or reciept as they claimed they would! I reported to my credit card company so i can dispute the charge! XXXX XXXXXXXX XXXX XXXXXXXX is the company but it shows up as only XXXX on the charge! I feel i was scammed and my family and myself were harrassed illegally! 
XXXX XXXX
Product: Credit card or prepaid card

I made a double payment by mistake on XX/XX/XXXX and called Bank of America customer service to report this and to refund my overpayment to my checking account. After more than a week, I called again to report it had not been done. I drove to my local branch and they made a call and said it would be a few more days. It has been over 2 weeks now and I am still trying to get the money refunded to my account. Everyone keeps telling me it is being reviewed, but I am not getting any action.
Product: Checking or savings account

I am writing to report the misconduct of Betterment bank and file the complain report against their checking account sign up promotion campaign. I completed all the requirement to fulfill the sign-up bonus but Betterment has not correctly responded to my request and refused to honor the offer. My visits with following numbers : XX/XX/21 XXXX XXXX Shopping trip ID XXXX XX/XX/21 XXXX XX/XX/XXXX Shopping trip ID XXXX XX/XX/21 XXXXXX/XX/XXXX Shopping trip ID XXXX XXXX XXXX is the date when I opened my checking account with Betterment and the promotion campaign was {$120.00} dollars. However, after I successfully funded my account, Betterment didn't honor the offer and terms. Instead, they informed it was their third party 's contractor 's ( XXXX ) fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to Account number # XXXX I am XXXX XXXX military and have a late payment on my credit report for XX/XX/2018 when I was assured this payment was made. I reached out to wells fargo and as of yet they have not resolved this matter. I am looking to purchase another home in a different state with my wife and I risk losing the house and a substantial deposit because of this error of late payment reporting please remove asap to have account reflect never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries currently listed on my XXXX XXXX, Experian, and XXXX credit report are unauthorized and not my credit inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX XXXX Balance : {$2.00XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX at XXXX pm, the Discover Bank sent me an email stating that they were writing to let me know that they noticed unusual activity on my checking account ; and they had suspended access to my checking and savings account after I submitted a transfer of my own funds. They tried to block my own funds from transferring. On XX/XX/XXXX, and XX/XX/XXXX, I received an email from XXXX, and CFPB, about the responce letter from the XXXX XXXX XXXX XXXX XXXX stating that on XX/XX/2022 that they had completed an additional review of my accounts ; and at that time the freeze was lifted, and the decision to close my account was overturned. On XX/XX/XXXX, I spoken to the security team about the situation of why my account was frozen. An after further review, she stated that what caused my account to freeze was I canceled my transfer. I asked her how can my account cause suspicious activity when I don't have access to a debit card? And after having a complete review, the freeze was lifted. During the evening time, I got tired of the situation ; it was stressful for my work and time, that I decided to call the customer representative to request to close my account. As the customer service representative seen that my checking and savings account was in good standing, for some reason, he stated that he could not close my account, and then transferred me to the security team. That kind of sounded suspicious because normally a customer service representative has authority to close accounts if you ask. To clear the rest of my own funds from my checking and savings, I transferred from my savings to my checking and scheduled a transfer. A few minutes later when I logged back into my account, it was frozen. There was a message inside my account that stated " please contact the customer service immediately regarding your bank Discover account. We routinely monitor account information and transactions, and have identified unusual activity on your account, for accounts with unusual activity are not displayed. Please contact customer service. '' The call volume was so high between 2 to 3 hours of waiting time. Everyone on social media, and all over the internet were complaining about the same problem. I like to request my funds, and wish to close my account in good standing.
Product: Student loan

I was supposed to be in forbearance due to still XXXX XXXX, but I have been taken out of forbearance status and into repayment, I have submitted documentation that I am still in XXXX  and it has yet to be processed and this was over a month ago. The provider is saying I am still liable for the amount due while they do their research.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine AMEX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX HON Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, 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 person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

I recently acquired a US Bank branded XXXX XXXX XXXX Generally works well, but is often and repeatedly declined at a number of locations. Have spoken to Customer Service repeatedly without results, so I always carry another card. 

Went to a State of Texas approved facility this am to get printed for a TX license. The provider swiped my CC to enter my data automatically on his screen. XXXX and behold, the full name, card number, and expiry appeared on the screen, but the data are NOT MINE. He repeated the entire process to confirm with the same result ( I have photos to prove it ). 

So I have a CC from US Bank, it has my name and card number printed correctly on the card, and since my billing appears to be correct, the chip part seems to be working properly, but the mag stripe portion goes to another user and account entirely. Yes, I have the card and data to prove it. 

If this is XXXX in the CC industry, this is an invitation to financial shenanigans that are wholly unpredictable. If this is a fluke, at least an entire batch of US Bank CCs is out in the wild swiping mis-matched account data. Depending on the size of that batch, this could be hundreds, thousands, or even tens of thousands of CCs. 

US Bank is providing a replacement CC, but appears to be taking no further action. This could be disaster, depending on the size/scale of this event occurring in practice in the industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Attached is my Drivers License and Social Security Card.

The only address on my credit profile should be XXXX XXXX XXXX. 
XXXX XXXX, CA 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was put on hold I tried to explain that my card was lost that I didnt make the transactions that was on my account so I asked if I can withdraw the money from my savings so I can pay my bills during the dispute investigation they told me they was using it for the negative balance in my checking from a check that wasnt deposit by me.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  I was looking for Life Insurance with my wife and we settled on XXXX. I went through the process of speaking with some and paying an initial application fee of XXXX. I was assured that if I was not insured that the application fee would be returned in 30 days. My wife was denied insurance, and for this reason I decided to reject the insurance. I received a letter from XXXX acknowledging this, and expected to receive a refund within 30 days. Instead on XX/XX/XXXX I was charged {$130.00}. I called XXXX on that day and was told that they would review the issue and respond with a case number in 24 hours. They never responded so I contacted Capital One directly on XX/XX/XXXX and was given 2 credits of XXXX, was told that a block against XXXX had been put in place, and was told that if the merchant did not respond in a set out of time then the credits would become permanent. Transactions in the same amount ( XXXX ) occurred on XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One directly on XX/XX/XXXX to report the fraud, and was told that my card would be cancelled, and that the transactions would be refunded. I followed up on XX/XX/XXXX as the charges had not been removed and no credit had been given, and was told that not only would the charges be removed, but that it was determined that I was responsible for the transactions in XXXX and XXXX. This is in the face of the fact that it was already determined more than. 60 days prior I was determined to no be liable, and I do not have an account with XXXX. When is a grievous error, and is affecting my credit usage percentage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Fair & Collections Out XXXX XXXX XXXX, MD XXXX Subject : Dispute of Collection Account Request for Removal Dear Whom this may concern I am writing to formally dispute the accuracy of a collection account that has been reported on my credit report. The details of the account in question are as follows : * Creditor Name : XXXX * Account Number : XXXX * Collection Agency : FAIR COLLECTION & OUTSOURCING * Date of Collection : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I have reviewed my credit report and found that the above-mentioned collection account contains inaccuracies that violate my rights as a consumer. 
Specifically, {$9100.00}. These inaccuracies not only misrepresent my creditworthiness but also contravene the stipulations outlined in the FCRA, particularly regarding the requirement for accurate reporting and the necessity for creditors to verify debts upon consumer request. 
Furthermore, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have the right to request the verification of any debt. I have previously requested this verification from FAIR COLLECTIONS AND OUTSOURCING on XX/XX/XXXX, but have yet to receive a satisfactory response. This lack of response indicates non-compliance with consumer protection laws. 
In light of this information, I kindly request the immediate removal of this collection account from my credit report. I also expect a written confirmation of the actions taken in response to my dispute within 30 days, as mandated by the FCRA. 
Please send your response to my address listed above. I appreciate your prompt attention to this matter and look forward to resolving this dispute amicably. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX