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

XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX  and Experian are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report
Product: Credit reporting

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all XXXX bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, XXXX, and Equifax via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Product: Credit card or prepaid card

On XX/XX/2018, I called the Citi Card customer service line to inquire if a payment had been made on my account. The automated system said my account had been closed and a payment of the balance of {$7800.00} ( and change ) paid. I did initiate the payoff, but have not requested by phone or mail for my account to be closed. 

On XX/XX/2018 I called the customer service line and requested to speak to a representative to have my account reinstated. I was told the account was closed by my request over the phone, but they could not provide proof of the automated or recorded call. The representative said the notes were confusing and they would have to get a second level supervisor to review. I stated I had not requested my account be closed and I wanted it reopened. He said they would research and get back to me, they may have to pull my credit to reopen. 

Today, XX/XX/2018, I received a letter saying the balance has been paid and my card closed. Again, I wanted the card left open and not closed. 

I am have been working to rebuild my credit and am concerned on how this closure will negatively impact my credit score. 

Please advise if you need more details. 

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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Called Bank of America who kept me on hold for XXXX minutes then gave me auto cb which happened XXXX minutes later about transaction fees spoke to a XXXX who would not answer questions about the transactions or fees. After requesting to speak to a supervisor she kept me on hold XXXX minutes and then said she could not transfer me and her supervisor said to have me call back and repeat the hold process to get a Supervisor on line basically repeating the XXXX minute process. 

This is complete disregard for my time as a consumer with a supervisor/manager not making themselves available or requesting my number to immediately call back.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another XXXX of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XXXX XXXX, XXXX, when my last credit report pulled was XXXX XXXX, XXXX and they were no where to be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
Product: Credit card

I demand NFCU credit my account in the amount of {$270.00} and any additional compensation, they feel appropriate for my time and effort in pointing out their shoddy inappropriate banking practices. 

Background : CFPB closed complaint XXXX  ( attached ) discussed crediting my credit card account {$130.00}. Instead, NFCU took {$130.00} from my credit card account on XXXX  listed as an account adjustment, ( portion of account charges attached ). 

I called NFCU on Monday XXXX  ( five days later ) and talked to two credit card department employees ( XXXX and XXXX XXXX and the discussion included a third person ( a supervisor that would not provide a name ). They said the {$130.00} was a credit and agreed it was not credited to the account ; but withdrawn. However, after nearly 30 minutes on the phone, they would not fix the problem and instead required me to call back tomorrow. 

This shows that NFCU has a complete inattention to detail, no checks or balances, and lacks any accountability or oversight. Supervisors cant even fix a problem when its staring them right in the face. Apparently, NFCU can withdraw money from their clients accounts without authorization and get away with it. Even when account holders try to complain or correct a problem, they make it difficult for account holders to get their money back. Perhaps they felt I wouldnt notice that they had taken the money. 
They shouldve told me they would correct the problem and call me back, rather than place the burden on me, and require me to call them back. Instead, I thought it necessary to file another complaint with the CFPB, thinking it may provide a faster response.
Product: Mortgage

I was guranteed in writing a refund for origination fees i.e. {$980.00} within 7-10 days of loan funding by FILO MORTGAGE , L.L.C . ( NMLS # XXXX ). However, they only send me partial refund of {$320.00} claiming there was an error in system and have stopped responding to my emails. 

I was working directly with FILO 's CEO XXXX XXXX ( NMLS # XXXX ), last I heard from him was XX/XX/2020, my loan was funded on XX/XX/2020. They also ripped me off on the rate, the prevailing rate at the time was 2.125 %, they jacked it up to 2.25 % which increased the payments by {$20.00} amounting to {$3600.00} in extra payments over 15 yrs.
Product: Credit card or prepaid card

My U.S. Bank Account Number : XXXX was overdrawn amounting to {$120.00} But, My transaction history dated XX/XX/2019 Trace ID number XXXX has a customer deposit of {$100.00}. On XX/XX/2019 Trace ID/Ref number XXXX has an overdraft fee of {$36.00} paid by the bank and I was left with nothing. I reported the problem with U.S. Bank employees and they printed all kinds of figures that I owed {$120.00} and will be reported to Consumer Reporting Agencies, which may prevent me from obtaining services at other financial institutions. The said letter was sent by U.S. Bank Cbdm - DDA Default Services Phone : XXXX. The money involved is only {$100.00}. - {$37.00} = {$62.00} The question is what happened to my balance of {$62.00}? The bank location is on U.S. Bank, XXXX XXXX XXXX XXXX 's Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Thanks for your help.
Product: Credit reporting or other personal consumer reports

Transunion is failing to remove the XXXX XXXXXXXX XXXX XXXX  account from my credit report which is reporting as a repossession as XXXX XXXX has violated all UCC & Texas Laws of Repossession. This includes Texas Finance code 348.407 : Requires a written notice to be sent to the retail buyer within 15 days of discovering the property, the TX Business, XXXX XXXX XXXX, TX Occupations Code 2303.15 and FRCA Section 605B as well. No notice of sale was sent either. Please remove account immediately.
Product: Credit card

This credit card company is called Avant. I was approved for a credit line of {$300.00}, I was satisfied with the amount, never asked for more or less. Until they started increasing the credit line up to {$1000.00} without asking me first, I wasnt aware of the issue because I was always busy in my daily life, took me a while to figure out. I contacted the company to put it back at the original amount where it was, but they declined the request. also the increase comes with high interest and fees. even though i'm still making payments, i realized that the amount never go down or i have no idea where my money is going. i can still be gentle and continue my monthly payments if they put it back to the original amount, otherwise that's the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX   in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE 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 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: Checking or savings account

Wsfs closed my account because it was not business account and they allowed debits to continue through the account and charge me fee they then put {$320.00} charge off on my report how can they charge off {$320.00} and not report me to XXXXXXXX XXXX
Product: Mortgage

bank of america is refusing to acknowledge my authorized third party and refusing to provide me with the documents requested in the information request and refusing to fix the errors mentioned in the notice of errors. bank of america is charging more on the payoff than the final judgment.
Product: Credit reporting or other personal consumer reports

I have called CitiBank countless times in which their system notes reflect that things are inaccurate yet somehow my disputes are been closed as if someone cant read or unwilling to investigate. They sent out emails stating my account was closed last year, in which I then worked out a payment arrangement to take care of the account in full per there arrangement to not to continue to leave derogatory remarks. Once money was paid, along with extra fees, somehow my account wasnt closed until this year with extra derogatory marks stating 150 days past due and etc.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I saw some incorrect items on my credit report I reached out to the company where they did not delete the request requested items off of my credit, due to the fair credit act these items below shouldve been deleted. 

XXXX. XXXX ( Account XXXX : XXXX ) ** The payment history reflects inconsistencies in late payments, especially regarding the XXXX late report compared to other bureaus. 
XXXXXXXX XXXX XXXXXXXX ( Account XXXX : XXXX ) ** The account is closed by the grantor, yet payment history reflects ongoing issues, suggesting errors in reporting. 
XXXX. XXXX ( Account Number : XXXX ) ** The account is marked as charged off, yet there is no clear explanation regarding the history of disputes and the current balance. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The report indicates the account was transferred or sold, but the payment history does not reflect this change. 
XXXX. XXXX XXXX ( Account XXXX : XXXX ) ** The account shows a discrepancy between the charged-off status and dispute resolution, suggesting incomplete updates. 
XXXX. XXXX  ( Account XXXX : XXXX ) ** The account is closed and paid, yet the payment history shows inconsistencies with the date of closure and balance resolution. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The account shows involuntary repossession, but the balance and last payment dates do not match other reports. 

As per the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to perform reasonable investigations and report only accurate, complete, and verifiable information. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an investigation determines that disputed information is incomplete, inaccurate, or unverifiable, Equifax is required to delete or modify the information accordingly. Since Equifax has failed to meet these standards, I believe the only fair resolution is the complete removal of the disputed accounts from my credit report.
Product: Student loan

Have tried to set up payment arrangements within my budget with Navient and they are not willing to work with me and do NOT have any GOOD options that there clients have to choose from unless you do n't have a job, a teacher and or government worker and I am neither.By me not being able to make there payments due to my Budget my credit score has fallen XXXX points.Have tried working with them and giving them all my Bill/Budget information and they still will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage acount with Chase is not being reported to XXXX due to an " internal credit agency policy ''. According to Chase, the data is accurately reported to XXXX. According to XXXX, the data is not being accurately sent by Chase. 

This same account shows up accurately on all other credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX XXXX ) reported incorrect information to Transunion credit report agency which dropped my score XXXX points. When I called XXXX, my wait time is 2 hours and 25 minutes. I finally got a call back hours later. I spoke with an agent for 2 minutes and was told I would be transferred to someone else. It was another waiting cue for an additional 2 hours and 25 minutes. Its next to impossible to speak with someone and get answers. MY loan has been deferred for over a year. There was no missed payment and no payments due. My balance should have never increased or decreased.
Product: Credit card or prepaid card

On XXXX XXXX, 2023 I elected to patronize a balance transfer promo for XXXX $ with my discover card. I spoke with a representative from Discover to assure the details of the balance transfer promo was correct and he assured me it was. The promo offered two ways to receive the balance transfer monies. The transfer could be deposited into your checking account or paid directly to the balance of another credit card. XXXX $ was deposited into my banking account on Monday XXXX XXXX, 2023. ( Please see balance transfer promo attachment for promo details ). 

The problem is when I viewed my discover credit card on XXXX XXXX, 2023, I realized that the balance transfer of XXXX was ADDED into the total of the EXISTING balance on my Discover card which has an APR. I called Discover and asked " why are these two balances are not separate. When I pay the card, how will Discover know which balance to apply the payment. '' I was told that the payment would go to the lowest APR which would be the balance transfer. Any amount paid over the minimum payment for the balance transfer will be applied to the existing balance. This means, I will never be able to pay the promo balance within the 12 months and if it's not paid it will incur an APR of 27.74 %. 

I then told the representative that I would pay the XXXX back immediately. The representative informed me that, that would be an overpayment for the promo and the over payment would be applied to the existing balance. Summing it up, Discover is leaving the consumer, no way out. This is misleading, fraudulent, illegal and unbelievable! I do not want this fraudulent offer. When/ if I pay any monthly payment on the card, it is to be applied to the EXISTING balance. If it is applied to the PROMO balance that will be because they chose to do that and I have no control over that. OR I will elect NOT to pay this discover card anymore until this issue is resolved minus penalties. I'm asking if CFPB would please help me resolve this issue asap. Thank you very much for your time. ( Please see attachment ).