23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I noticed a negative mark on my credit report from this company. The original creditor was listed as XXXX XXXXXXXXXXXX XXXX XXXX a medical provider. I already paid them directly. I sent a letter to XXXX  with a copy of the check XXXX XXXX XXXX XXXX cashed. I didn't hear anything else. The mark on my reports was marked as PAID, even though I paid the original creditor. They didn't remove the entire file. 

Today I received an alert from XXXX that XXXX  re-opened the previously closed ( PAID ) account and added a new {$36.00} charge. I have not received any bill or letter from XXXX  OR XXXX XXXX XXXX XXXX. I have previously disputed the validity of this debt. They are in clear violation of the FCRA. I have requested that this mark be removed from my credit report.
Product: Credit reporting

I am a victim of identity theft and I received a fraud alert from Experian in reference to unauthorized and fraudulent inquiries listed on my Experian credit report. I should n't not have any inquiries listed on my credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Product: Debt collection

the company convergent outsourcing was deleted from all 3 credit bureaus on XX/XX/XXXX it has re appeared on experian credit report file number XXXX as of XX/XX/XXXX this bill was paid by insurance they are trying to collect again the new file dispute number is XXXX with XXXX the information is not correct and it should be permanent of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. I'm looking forward for the immediate deletion of this account. 
XXXX XXXX XXXX
Product: Credit reporting

Someone who I do n't know is on my credit report on XXXX with me. He has the same last name and similar address. I just moved in the US three months ago from XXXX. and I have only XXXX credit card. but he has XXXX credit cards that were opened in 2007. so there are XXXX credit cards on credit report. 
I think something wrong with my credit report. 
Please let me know what to do.
Product: Mortgage

Complaint : Nationstar Loan Modification Application Process Loan Number : XXXX Ref : Response to my CFPB complaint # XXXX, Nationstar reply from XX/XX/2016, XXXX XXXX, Customer Relations Specialist, Nationstar Mortgage , LLC, XXXX, Texas In your reply from XX/XX/2016, you are stating : 1. Lack of Response What do I need to know? We looked into the concern you expressed and after an investigation, we are sharing with you what we found. 

Under 1. Lack of Response you replied : In your inquiry you stated you sent emails to the assigned Single Point of Contact ( SPOC ) XXXX XXXX but received no reply. You also stated you received phone calls but they did mention any subject, topic or other information. At this time we have reviewed the attached emails provided in your inquiry. Please understand that your SPOC are not able to communicate via email, as she is only allowed to communicate by phone or written correspondence. 

I am assuming that my confusion lays within this and the next paragraph from Nationstar 's letter/response. 
1. In my conversation with XXXX XXXX ( correct spelling is XXXX not XXXX is in Nationstar 's letter ) and follow up E-mail from XX/XX/2016 ( see attached ) XXXX did mention that I should contact her via E-mail, that communications via E-mail would speed up the application process. 
2. Also, I did follow up on XX/XX/XXXX, after my call, and sent XXXX an E-mail. 
3. XXXX XXXX replied to my E-mail and sent the forms for the loan modification application. 
4. Same for submitting the loan modification application and all documents on XX/XX/2016. 
5. Please see all E-mail communications sent from me to XXXX XXXX and XXXX XXXX 's replies attached. 

My confusion again is why you are stating that the SPOC, XXXX XXXX, is " only allowed to communicate by phone or written correspondence '' when she clearly is communicating with me via E-mail. 

As you are stating in your reply to my complaint submitted on XX/XX/XXXX, you were hoping that your reply will alleviate my concern. I guess my questions are that if you are hoping for that and you have investigated this, and your goal is to provide exceptional customer service, why do I still have questions about your reply? If the SPOC, XXXX XXXX is indeed not allowed to communicate via E-mail, why did I receive E-mails from her? 

Why are Nationstar 's tactics so deceptive and not clear? I have tried to communicate with Nationstar to the very best of my knowledge and in timely manners throughout this process. Nationstar has clearly and continuously not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these account show up on my credit report out of nowhere.. It must be that someone use my identity..The accounts were fraudulently opened in my name..I did not make the charges..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 06 XXXXXXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX XXXX XXXX,
Product: Credit card or prepaid card

I was sent an Amazon Card back in 2016. I never used it. Don't recall applying for it. They closed the account actually for not using it. It was reported on my Credit Reports as 30,60,90,120 then closed. I never used it one-time because I didn't want the card. I have disputed this several times and they refuse to delete it off my reports...
Product: Credit card or prepaid card

Dear BARCLAY BANK XXXX XXXX XXXX ( # XXXX ) ; i'm not quite sure what's going on but i was shocked yesterday when i reviewed my credit profile and noticed a late payment in the mist of COVID19 XX/XX/2021 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements or it could be COVID19 issue when I was hospitalized with XXXX last year during XXXX to XX/XX/2021. My only thought is that my monthly statement did not get to me on my current address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX, and i've already gave this to several of your representatives at the store. Also did you guys changed the bank from XXXX to Barclay? This is so confusing!!!! : (
Product: Credit reporting

The accounts below are not mines? 
XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt, and they fail to report it as disputed to the credit.I received a copy of my credit and noticed achieve personal loans account is not marked as disputed even though a prior investigation was completed. Enclosed is a copy of the account details from my credit report. nowhere on the report states a prior investigation was performed.Also enclosed is the certified mail receipt from the dispute being sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments
Product: Student loan

I have been struggling to pay off my student loans for years. I am now XXXX XXXX XXXX and trying to save for my retirement. I am asking if you can please forgive half of the balance which is all accrued interest ( half of the balance I owe is interest ). I will be able to pay off half of the amount. The total balance is {$64000.00}. I can pay half of that amount. It's all interest! Please help! I want to pay this off but I need to save for my retirement. I can make monthly payments as I have been doing but I need help with the total balance owed. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX First Progress reported a 30-day late payment to the credit reporting agencies but made no attempt to contact me to inform me of the debt or the late status. The Fair Credit Reporting Act requires companies to make an earnest attempt at notification prior to making a negative credit report. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) and as a result First Progress agreed to remove the negative mark ( 30-day late payment ) from my credit. Please see the attached letter from First Progress to the XXXX  dated XX/XX/XXXX which I will quote here : " We have determined XXXX XXXX qualifies for an adjustment to his credit report. We have submitted a manual update to all three credit bureaus asking them to update their records and remove the late marks on his account. '' On XX/XX/XXXX, I pulled 30-day late my credit from all three bureaus and found the 30-day late mark is still present from First Progress. I filed a dispute with each credit agency. Each agency claims to have verified the late mark with First Progress and claims that it is still valid. See the attached dispute reports from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Checking or savings account

Last XXXX, my wife received a letter from US Bank. If you open a new checking account, and with direct deposit {$5000.00} more within 60 days, you will receive {$400.00} bonus. I called the US bank to confirm that I didn't receive the letter, can I open a new account to get the reward. The representative said that you can open the account on line and use the promo code : XXXX to have a same reward. 

I opened a new account on line on XX/XX/XXXX, and direct deposit {$6100.00} through my employer before XX/XX/XXXX. Those will qualify to get {$400.00} bonus. 

But I didn't receive any bonus. I called US Bank many times, they said that you will receive the bonus because the computer system will take time. I keep calling every couple of weeks. They gave me different answers. 

In XX/XX/XXXX, I went to US Bank Branch in XXXX, Ca. She said that she will research the issue. She gave me an answer is that the reward gives the letter receiver. 

I explained to her. She does not want to listen.
Product: Checking or savings account

I was contacted via phone and XXXX on XXXX about a give away on XX/XX/2019 I was reached out to about a give away where I had won {$100.00} and that they would send it via cash app. That is when I received the phone call about the give away. While I was on the phone with them is when I got the unauthorized pin change request. Within mins the user XXXX XXXX started sending money to themselves using my cash app. The following amounts were sent out 9 {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00} all from XXXX XXXX stayed on my cash app. XXXX XXXX XXXX sent me a security text asking if I authorized these charges and I texted no. I only received partial reversals and still had {$3000.00} taken because my bank app showed they actually attempted to take more than the started amounts. I called XXXX XXXX XXXX immediately and filed a fraud claim. XXXX XXXX XXXX is refusing a chargeback because they can not prove I did not authorize these charges because my pin was used. My pin was fraudulently taken and in no way did I approve these charges. The number that texted me for the scam +XXXX ( XXXX XXXX XXXX.
Product: Credit card

I was coerced into applying for a credit card with a larger balance at a Chase bank location, advising because I had a great credit score and debt to income ratio with little to no credit card debt, I would be approved. After waiting for several days, I called in and was told I was denied due to too many accounts opened in the last year. When I asked for more detail as that is counter to what I was advised, they refused. I then asked if I was getting a hard hit on my credit report for their mistake/mis-communication, she said yes. I was lied to and am now dealing with the repercussions.
Product: Student loan

My financial planner and I called Nel net to pay off my student loans via refi my home. We were transferred to a number that said we coud make a payoff. We signed docs and XXXX was taken out of my acct. A few weeks later Fed Student Loans said they got my consolidated amount of loans. They have 0 record of any money put into the payoff. Nelnet said it was a scam. The office will not pick up and XXXX XXXX said I signed paperwork that I never signed. I have the documents and the check. I am now starting from scrath after 8 years of payments and I am out {$5000.00}. and no one has any idea how this happened. I am a mother of XXXX and a XXXX XXXX. This has devastated us.
Product: Credit reporting or other personal consumer reports

I am submitting to you for the 28th time, serving both as a complaint and a follow-up concerning my upcoming credit report update within the next 15 days. This issue was initially raised in my complaint dated XX/XX/XXXX. As outlined in my previous correspondence, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are mandated to remove any items not later than 4 business days after XX/XX/XXXX, as per the details listed in ID THEFT REPORT # XXXX. Regrettably, this matter persists, and I am reiterating it here for your attention. The following items require immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America placed a. Annual fee on a credit card that had a XXXX balance and because of COVID I never received the XXXX $ statement balance. It gave me a XXXX day late payment now and has dramatically hurt my perfect XXXX years of perfect credit. They have not fixed it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

XXXX Applied for a credit card with XXXX XXXX by ( Comenity Captital Bank XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) XXXX I charged XXXX XXXX received billing for {$17.00} XXXX I paid the {$17.00} with direct paycheck from my bank XXXX. Check attached. You will note on the front upper left corner the account # XXXX ( that's my new XXXX Credit Card #. ) You should note on the back of the check is information showing Comenity deposited into their Bank XXXX XXXX my check on XX/XX/XXXX. ( Due XX/XX/XXXX ) Note on the back showing their deposit of my XXXX XXXX XXXXit was deposited this in XXXX # XXXX. ( thats my XXXXXXXX XXXX XXXX XXXX  ) COMENITY DEPOSITED MY PAYMENT IN WRONG ACCOUNT. ( That is my XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Received a Billing Notice from XXXX for {$36.00} ( XXXX ) for LATE PAYMENT FEES ) I have called and talk estimate 10 people to try and clear this. 
XX/XX/XXXX Customer Care said they could resolve the problem. The assistant said to clear this I would have to pay on line to her {$13.00} and she would waive all fees and charges from from my XXXX XXXX and apply the amount to my XXXX XXXX, because the credit of XXXX had been credited to my XXXX 's card. I did that. 
( the letter where Customer Care cleared the problem is attached. ) XX/XX/XXXX -- XXXX I have called many times and written many letters. 
XX/XX/XXXX -- billing was for {$89.00} on account XXXX continues to grow as all amounts were paid and cleared in XX/XX/XXXX I'm attaching a screen shot of where I tried to send them info on their site but all I ever get when I send is there was a technical glitch and was not received.
Product: Checking or savings account

On XX/XX/2020, we opened a business account with Suntrust, making the opening deposit the same day. After the initial deposit, 3 additional deposits were made : 1. XX/XX/2020, {$500.00} ( XXXX XXXX Money Order ) 2. XX/XX/2020, {$1200.00} ( XXXX XXXX Money Order ) 3. XX/XX/2020, {$1200.00} ( XXXX XXXX XXXX ) I was made aware on XX/XX/2020, the account was in a " no-debit '' status, after I logged in to see a payment returned of {$50.00}. I called customer service to ask why the payment was returned, when there was more than enough money in the account to cover the charge. The representative was not able to provide any additional information, but guessed it may have been all of the required documents were not in. I explained, all the documents were in, that I had submitted online, and inside of a local branch several times. At that point I requested to speak to a supervisor. The supervisor explains that it looks like the account was going to be closed, and that Suntrust had decided to sever ties with us. She stated it would be 3-5 business days to completely close the account, and I should receive a check for the remaining balance 5-7 business days after that, and she was not allowed to disclose why the account was being closed. Today, XX/XX/2020, I called to find out when we should expect the refund, and I was told the funds were being held. It was implied the money orders may have been fraudulent. I asked how long does it take for them to release the funds, and the customer service representative relied, indefinite. He explained he was not allowed to disclose any additional information. I explained these money orders are payments from the tenants in my rental property, and I would need additional information so I would know how to proceed. He apologized but didn't disclose any information. I called both money order companies to confirm they have been cashed. Both companies confirmed the date of purchase, the amounts, and dates cashed of the money orders. I then called Suntrust to make them aware, and I was told Suntrust would not be releasing any funds. They advised me to tell my tenant to return to the place of purchase to file a claim, and that was my only recourse.
Product: Credit reporting or other personal consumer reports

Experian and Equifax have both failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where both Experian or Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and Equifaxs inaction violates federal law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 
I have contacted both XXXX and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, Experian, XXXX, XXXX XXXX, XXXX, XXXX, anXXXX XXXX