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

To whom it may concern, I am writing to file an official complaint against Curaao and XXXX for providing false payment history on my credit report. I had an account with CURAAO beginning in XXXX, I experienced a hardship between XX/XX/XXXX and XX/XX/XXXX in which I was late on my payments. I was able to pay off the account completely to CURAAO in XX/XX/XXXX. 

Now comes XX/XX/XXXX, I am purchasing a vehicle and XXXX was the only credit agency reporting this account as charged off. This affected the payments and the interest of the car I decided to purchase. I was under the impression for months that I was in good standing with my credit by looking at it consistently through XXXX and XXXX and a charge off is suddenly showing on XXXX from a credit card I had paid off in XXXX. 

Although there were some late payments, the account should not be marked as a charge off because the debt was collected. It is showing on my report that there is XXXX negative months on this account and thats false. I tried to dispute this twice and they are claiming that the information is correct. I called Curaao and they confirmed the account was paid off, I have a bank statement from XX/XX/XXXX with the payment made to Curaao.
Product: Mortgage

On reviewing my yearly escrow statement, I noted that Mr Cooper aka Nation Star had claimed to have paid {$5500.00} in property tax, though the amount due was {$2100.00}. I reached out to my mortgage company and made them aware of the error on XXXX XXXX, 2023 that the amount was in error and needed to be corrected. They closed the ticket and said they would investigate. This resulted in no action. 

I received a notice that my payment was being increased due to escrow, and again reached out to them on XXXX XXXX, 2023. Again, they said they would investigate and closed the ticket. 

In addition to this, I contacted the XXXX XXXX XXXX 's XXXX on XXXX XXXX, 2023 to determine the location of the refund for the overpayment, as my escrow account did not appear to reflect any refund over the overpayment. I was then informed that Mr Cooper had not, in fact, paid {$5500.00}, but instead had paid the correct amount, {$2100.00}, while claiming to have paid {$3300.00} more as reflected by my escrow statement.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card and more, accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries like XXXX XXXX XXXX opened on XX/XX/year>, XXXX XXXX XXXX opened on XX/XX/year> XXXX XXXX and other fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me at all. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts and information listed on an id theft report. The items in question are as follows : XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these items or authorize anyone else to do so on my behalf. This is a clear a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I paid off a home equity loan with XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> in the amount of {$32000.00} after selling the property that the loan was used to finance. The balance shown on the XXXX website was what I paid and the balance immediately went to XXXX. 

My XXXX score was approx XXXX at the time of the payoff In early XXXX I received notices from several credit monitoring services that my XXXX score had decreased - I investigated by looking at my credit report at Experian and saw that XXXX had reported me as 30 days past due for {$120.00} on a mortgage. I immediately contacted the XXXX by phone and spoke to a representative who shared that I had NO past due balances on anything ( they also have my first mortgage ). 

I immediately filed a dispute with Experian explaining that NO ONE from the XXXX had contacted me about this - no emails, no phone calls - nothing. I also sent a secure message to the XXXX via the XXXX website on/around XX/XX/year> and demanded a correction. 

At the time that I learned of this matter, I had more than $ XXXX of cash in the XXXX and would NEVER be stupid enough to risk a XXXX XXXX score for {$120.00}. 

I submitted the request to correct to the XXXX on XX/XX/XXXX and as of the date of this writing I have received no response. On yesterday, XX/XX/XXXX, I received a call from the Collections Department requesting payment of the {$120.00} and I shared the story with the agent. I am awaiting a call from a manager of the Collections Department. 

I have been a loyal customer of this XXXX for 23 years, but this is the final straw. I will pay the {$120.00} but I want my credit repaired- if the XXXX had contacted me, I would have paid instantly, not days later, but instantly, but the fact that no one reached out other than to wreck my credit score is unacceptable. I will be moving my funds to one of my other financial institutions immediately.
Product: Credit card or prepaid card

Hello My name is XXXX XXXX and chase bank credit card services forcing me to pay {$870.00} which are charges that I did not authorize. I was qualified for XXXX XXXX program and there were some charges that I don't recognize. I reported them as fraud and they are still asking me to make a payment. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted lexis nexis 6 different times and was directed to submit documentation via email. The email they keep providing me with isn't valid. This company is reporting a bankruptcy on my consumer report which one employee says they received from XXXX ; when i spoke to XXXX they denied providing that information. the other says they got from a employee of the court, that's not true! upon me contacting the court an employee told me they DONT NOT GIVE OUT PERSONAL INFORMATION. I've also asked for the name of the employee at the court who provided this information to Lexis Nexis and no name could be furnished to me or documents.All both reps kept telling me is they received this information from the source, i challenge the validity of this, i know this is a lie, XXXX denies it and the courts told me they did not. I am and was disputing the validity of the Bankruptcy their reporting on my file WHICH THEY DID NOT OBTAIN FROM A COURT OFFICIAL. if they verified this information they should have supporting documents i would like to see them, since its attached to my consumer file
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 unwanted hard inquiries. 
I only had XXXX and XXXX XXXX no others I dont recommend these companies ever to invest or their support to be on my Team or contact at any time in the future # XXXX. Ally Bank # XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many other to list
Product: Debt collection

I am writing to dispute the accuracy of several accounts listed on my credit report, which I believe to be inaccurate and damaging to my creditworthiness. The following accounts were reported erroneously, using someone else 's information : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX , DEPT OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX and DEPT OF EDUCATION/XXXX XXXX XXXX I request the immediate removal of these inaccurate accounts from my credit file, as they do not belong to me and are adversely affecting my credit profile. I kindly ask for your prompt attention to this matter and expect the completion of your investigation within the statutory time frame. Your cooperation in rectifying these inaccuracies is crucial to ensuring the fairness and accuracy of my credit report.
Product: Credit card

I applied for a Citi XXXX XXXX card XX/XX/XXXX and was denied for inquires. I have good credit and XXXX inquiry in XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally request the correction and update of my personal information on my credit report. Specifically, I am seeking the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience and harm to me.
Product: Debt collection

Received multiple harassing phone calls -- 3 in a day, XX/XX/19. I called back because I'm annoyed, the recording asked for me to input my social security number -- which I did not input. I looked the company up, called them, and they again asked for my SSN, which I did not give. Then I told them I was going to report them and I am. They looked up my account with the last 4 of my social and I am not in the system for owing anything. Please investigate them, I can only imagine what they are doing to people who don't know to come to the CFPB. Put Jefferson Capital Systems , LLC out of business.
Product: Checking or savings account

I opened up a checking account as well as a credit card processing account with Square to help me process transactions with credit card for my clients. Almost every transaction was flagged and I had to provide proof that the transaction was valid, so they took the restriction off. I processed a credit card transaction for my regular customer Ive had for over 5yrs and I get a email saying they chose closed my account. Ive been trying to speak with someone in Account Services for over a week leaving messages with other agents because apparently you cant reach them by phone they have to reach back out to you, and no ones contacted me back from that department. I spoke with an agent from customer service about my situation, so he placed me on hold to look into it and then told me that there was no reason for them to close my account. Additionally, I have over {$1600.00} in my account that theyre holding for 90days and wont release it to me until XXXX. But why are they holding my money and closing my account for no reason? With no valid or right to do so. This is unethical and wrong and are against they rules and guidelines to the consumer. But nonetheless, they want to follow the their guidelines only when it is convenient for them and not the consumers when it comes to placing holds and releasing funds from my account
Product: Mortgage

I have been trying diligently to get a loan modification for the past 3 months. I have a sale date on XX/XX/XXXX. Chase tells me my loan specialist is a person name XXXX XXXX, but I have never spoke to him since I began a modification. I have submitted all necessary paperwork and followed up on a weekly basis to make sure chase has all paper work necessary for a review and to see how the modification is progressing. Chase is stalling me and I believe its because they have a sale date and by stalling until the sale date then they will not have to modify me. also they are telling me they need my child support paper needs to be physically signed by the judge. In XXXX county florida, the judges provide a true copy and do not always sign. I have explained this multiple times to Chase and they will not accept my child support paperwork. What does signed paperwork from a judge have to do with my ability to pay my loan. I have also provided several bank statements showing the direct deposit of my child support which should suffice. I spoke to the " escalation dept '' today and spoke to a XXXX XXXX who is going to ask that I be reassigned to a different loan specialist because of his failure to communicate with me.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 6 o 2 states. I have the right 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 instructions under 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: Student loan

School was closed due to bankruptcy and was told the loan would be discharged. Received paper work saying it was and Loan is still open adding interest to my payments each month
Product: Credit card or prepaid card

XX/XX/XXXX Hard inquiry notices by Capitol One on XX/XX/XXXX from multiple bureaus received in my email. Called XXXX. Spoke with XXXX sent me to application dept XXXX. Spoke with XXXX required XXXX, transferred to XXXX, transferred to XXXX. Que said XXXX was opened online application ID XXXX, she will close acct & report to credit bureaus. Her number XXXX XX/XX/XXXX Hard inquiry still showing on credit report. Called XXXX spoke with XXXX, said credit bureaus are responsible for removing fake data. Sd capital one reported as fraud, nothing more they can do. 

I do not think it should be my responsibility to contact multiple credit bureaus and jump thru their hoops to get fraud generated by Capitol One off my credit report.
Product: Debt collection

On XXXX XXXX, XXXX, I disputed the credit card account with XXXX XXXX indicating the account was not mine. I informed them that I have no idea where the account originated from and needed for them to verify the account. I did not receive any information validating that the account was truly verified. I also contacted the creditor and the collections agency indicating that the account was not mine and to please verify the accounts. I have not received any documentation from the creditor and the collections agency. On XXXX XXXX, XXXX, I reviewed my credit reports and the original creditor, XXXX XXXX and the collections agency, LVNV Funding, LLC, are both attempting to collect on the same debt. This is a credit card debt that is showing twice on my credit that does not belong to me.
Product: Money transfer, virtual currency, or money service

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

I am filing a complaint against Cash App ( Block , INC ) due to inadequate costumer service and unfair practices which wiolate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts 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. these actions have caused significant inconvenience and financial loses, and I seek appropriate redress for these violations. 

CashApp XXXX XXXXXXXX
Product: Credit card or prepaid card

To whomever it may concern, With complaint is directed towards Banco Popular de Puerto Rico ( license from XXXX XXXX XXXX ) I had conversation on the phone with a few representatives and the outcome of that conversation was bazar as they can actually help anyone. They have to talk to the higher ups and you'll receive a letter in the mail with a response??!! 

Another year has passed and with Covid-19, it is not possible to travel, so I am unable to use my XXXX XXXX ( airline miles ) card as it was intended to be used. Travel is not possible right now with the pandemic, so i called to either cancel the card or have the annual fee waived for another year to give the world situation a chance to create a better travel environment. I was told that I am stuck paying the annual fee ( which had already been charged XXXX. I feel this is unfair as I have already paid the initial annual fee when I opened this card up, and with the inability to use XXXX because of COVID-19, I feel I do not need to pay another annual fee as I can not use the perks the card is intended to be used for. Just cancel the card and will be on my way. 

With that said, I would like the annual fee of {$140.00} to be waived as it is posted to my account as of right now, so i can cancel this card. When I reach out to the company they say they have no power I can not talk to anyone with this sort of power ... that I will just get a letter in the mail. It so unprofessional to not be able to talk to someone that can fix this problem. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( n ) the information is, in fact, inaccurate. 

I can go on and on. 
The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this NOW! They keep responding within one day of receiving my complaint, so I now feel as the consumer they are doing this to buy time and avoid from removing those discrepancies and in accuracies from my report. Can you please help. This is now a Demand Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX
Product: Credit card or prepaid card

This is an effort to call for accountability for Bank Of America. I opened the card with an XXXX balance last year, and with no late payments, no significant changes to my credit report or any other just cause they reduced my credit limit by 50% to XXXX, in spite of sending me junk mail for new credit cards?!I have made a series of on-time payments using automatic payments from the Bank Of America website of $XXXX. My account has been in good standing for several months.Now on XX/XX/XXXX I get an email from XXXX XXXX telling me that my account is past due, though I my bank account was drafted on XX/XX/XXXX. Now how is it that XXXX XXXX can send me an email to notify me, but Bank of America can't?! How can Bank of America justify damaging my credit, when I made a payment 10 days ago?! Do they not have a system to automatically email customers when certain conditions are not met?!In my humble opinion this is a quintessential example of everything wrong with consumer banking from the banks that took taxpayer money to cover their losses in the last recession.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Experian are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.