23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being billed and rebilled for a Debt at a Hospital that is not mine. It started in XX/XX/XXXX for XXXX plus. I went to XXXX XXXX XXXX XXXX XXXX XXXX and disputed this in person in XX/XX/XXXX and was told to disregard this bill. Now I am getting this reported anew on Credit Agencies as derogatory information in collections As of XX/XX/XXXX now at XXXX. The new Collection letter states this bill was generated on XX/XX/XXXX. I had disputed this at XXXX and it partially went away and now its being reported as a new Collection and is in fact the same from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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

XXXX, Equifax and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Product: Mortgage

I have been in the process of a loan modification for quite some time. I thought that it was all going to finally be over when I made the double payment they requested on XXXX. They sent me the modification paperwork which was signed by me ad my husband and sent back notarized on or around XXXX. I called to acknowledge their receipt and they confirmed they received my signed documents and it would take 30 days to process and sent back to XXXX XXXX XXXX and out of loss mitigation. I also confirmed with the associate that the next payment I had to make was XX/XX/XXXX as stated in the paperwork. They agreed with me. I called on XXXX to make payment and check on the status of the modification getting processed. The gentlemen informed me they could not process the modification because the amount was not matching up with the paperwork they sent me. He said I had to make two payments for them to process the modification. I made the payment on XXXX and and the second payment on XXXX. They told me I would be all set now and it should be processed in a couple weeks. I called to check on the status a couple times and they still said it was still waiting to be done. I called to make my XXXX payment on XXXX and the person said it still was in underwriting and not processed yet, they were not sure why. I received a voicemail for a call back on XX/XX/XXXX and called that evening. The person I spoke with told me they were calling because I missed XXXX payment. I went through all my records with her and told her the payment was made. She told me the person who took the payment put it towards XX/XX/XXXX ( a mistake made by them not me ) She then proceeded to tell me that if I didnt make another payment my modification would not be processed. I was not allowed to speak to ay supervisor. I explained to her all the payments that were made after the modification paperwork was sent. XXXX {$3100.00} to go towards XX/XX/XXXX - XXXX {$3100.00} to go towards XXXX payment XXXX {$3100.00} to go towards XXXX payment. She told me the only way it could be fixed was to contact the research department ad gave me their email. I emailed them XXXX and have not heard back anything. I sent a follow up and still nothing. This modification process has been taking almost a year and it is absolutely unacceptable I am being punished for someones error. Every day longer this take my credit takes a toll.
Product: Mortgage

In XXXX, I was unaware that my line of credit matured and was cancelled. I was paperless in an XXXX. They said they would extend it until we arrived home. XXXX XXXX at Capital One on XXXX, LA talked to us when we returned. XXXX took our reapplication to reopen the line since we had had this with your bank for 10 years and had been with capital One for 30 years at the XXXX, LA branch. In that time frame, we spoke with the manager and explained. She called Capital Loan dept., spoke with another woman who said she 'd handle it that day, XX/XX/XXXX. We have a fax confirmation from XXXX XXXX XXXX, XXXX. The woman in Loan dept. said a week later that she did n't receive it although the manager at Capital One on XXXX. had the fax confirmed. So the money we paid over 4 months to our Line of credit was never applied to our line of credit. It was held in a Capital One Management fund. We paid {$2400.00}. on XXXX? XXXX. On XX/XX/XXXX, we paid {$1300.00}. On XX/XX/XXXX we paid {$1400.00}. On XX/XX/XXXX we paid {$300.00} and on XX/XX/XXXX we paid {$2500.00}. On XX/XX/XXXX we paid {$1200.00}. and XX/XX/XXXX we paid {$500.00}. On XX/XX/XXXX we paid {$2000.00} and XX/XX/XXXX we paid {$1500.00}. None of these were applied. After this occurred, we were told to pay the entire amount off. On XX/XX/XXXX we paid the entire balance. XXXX XXXX helped us do this at Capital One XXXX XXXX. XXXX in XXXX. The new loan number was XXXX. When XXXX XXXX faxed this to XXXX in the Loan Department, and told us it was supposed to be applied to our line of credit. XXXX 's phone # is XXXX. It never was applied. So all of this time Capital One held our {$4700.00}. and never applied it to our line of credit. Then we were placed into a collection agency despite us paying on this. It ruined our credit. We were trying to refinance our home from a 5.5 % loan to a 3.3 % which we were attempting to do with XXXX at Capital One. Because of the credit agency, we were refused. This cost us {$35000.00} over the 30 year loan period.
Product: Bank account or service

TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX Paid in FULL ON XX/XX/2020 AMOUNT PAID : $ XXXX {$6.00} ( fee ) = {$170.00} Requested to be removed from my credit report. 
The company 's site still shows a balance. 

I have contacted Caine & Weiner Collection agency and they refuse to show proof that the credit agency was notified of my XXXX  ( XXXX ) balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section602 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 a account without my written instructions.

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

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

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: Debt collection

I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I took out a payday loan for {$200.00} and I just noticed that they are still taking money out of my account. To be clear every two weeks Next Loan takes out {$59.00} since XX/XX/XXXX. I have paid them XXXX as of XX/XX/XXXX and they stated if I pay them off today my payment would be {$250.00}. If I want to keep making payments until XX/XX/XXXX it will still be {$59.00}. This is highway robbery. This means if I pay them to next XX/XX/XXXX I would have paid them {$1.00}, XXXX for {$200.00}. I have never in all my XXXX  years heard of this and how did they come up with a year contract for {$200.00}? Somebody please tell me what is happening?
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. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Today, I was dismayed to see an unauthorized inquiry on my credit report, and I have no clue how it got there. I habitually monitor my report, and this unexpected issue caught me completely off guard. Despite refreshing my browser multiple times to rule out a glitch, the inquiry remained. I am extremely frustrated and insist that my submitted documents be thoroughly reviewed to prevent further distress.
Product: Vehicle loan or lease

Subject : Request for Information Regarding Account - Ref via CFPB complaint Dear Finance Department, etc. Al I am writing to formally request verification of the charge-off status and the issuance of Form 1099-C for the account linked to the reference number provided above.

This request is made in accordance with IRS guidelines and regulations. I kindly ask you to provide me with the following information : 1. Confirmation of the charge-off status for the account.

2. Details concerning the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Additionally, I would like to request a copy of Form 1099-C for this account.

If the company is unable to supply these documents, I expect the reported information to be deleted from the credit bureaus within 14 days. Otherwise, I will take legal action for remedy afforded to me by law and a full forensic accounting including gathering XXXX XXXX XXXX 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX. Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and dept of education is fraudulent including the address are incorrect
Product: Debt collection

This company did not bother contacting me threw a phone call to communicate the debt that is owed regarding what has happened they did not have the right mailing address that was confirmed on a recorded line that the collections agency agent said when I gave an confirmed my address so I never received any notification or information in the mail either I was not contacted Not once with a phone call from this agency regarding a debt collection or given the information of when the payment is due!
Product: Money transfers

I sent a deposit for XXXX XXXX XXXX XXXX to import a vehicle. I have not received the vehicle since the purchase XX/XX/2016. I guess there are problems with the exporter in XXXX but now I dont get the vehicle I purchased unless I pay someone else to ship it. XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX made a {$170.00} digital gift card purchase from pay pal to make a {$160.00} XXXX   purchase from XXXX XXXX  an online sale of XXXX XXXX. on XX/XX/XXXX i contact XXXX XXXX only to find out that pay pal did not process the digital gift card at which point i demand a refund which paypal refused stating no refund on gift card i purchase this card for the sole purpose of a transaction with XXXX XXXX since its pay pals negligent in processing the transaction. digital gift order # XXXX Amount {$170.00} case # XXXX
Product: Credit reporting or other personal consumer reports

Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$38.00} Amount {$38.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never have contract agreement with them, or I don't recognize this account.and i need to delete immediately. 
thank you.
Product: Student loan

I do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This evening, I discovered unauthorized inquiries on my credit report, and XXXX at a loss as to how they appeared. When I checked my report, as I regularly do, I was shocked to see discrepancies that seemed to come out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inquiries remained. XXXX deeply concerned about this and request that the documents Ive provided be carefully reviewed so I can finally put this worry to rest.
Product: Credit reporting or other personal consumer reports

Please see uploaded documents regarding unfair furnishing of accounts listed on my consumer file. To include the poor investigation practices done by credit reporting agency Experian on these erroneous accounts.
Product: Mortgage

On or about XX/XX/XXXX, the servicer for collection of my mortgage payment with XXXX XXXX XXXX was changed from XXXX XXXX to LoanCare. On XX/XX/XXXX, I submitted a request that they take the payment from my checking account automatically ( as it had been with XXXX ). By XX/XX/XXXX, the payment had not been taken out of my account, so I contacted them, as I had also received a bill for my property taxes and was not sure that they were going to pay it. They said that they had not received the authorization in enough time to take out the payment and that the automatic payments would not begin until XX/XX/XXXX. On XX/XX/XXXX, I went into their payment by phone option and made a payment. They took out the payment by phone and the automatic transaction - taking out 2 payments. This put my checking account at - {$840.00} - I contacted them and they hung up on me ( I admit I was very distraught that they had done this to my account as I had other transactions that were going to be hitting as well ). My bank charged me {$36.00} for overdraft feel. My employer advanced me {$1000.00} to cover the amounts that were scheduled to come out of my account. On XX/XX/XXXX, I  emailed a letter IMMEDIATELY REVOKING their authorization to take the money from my account. On XX/XX/XXXX, they withdrew {$950.00} for the mortgage payment. I had written a check to my employer repaying the {$1000.00} loan from XX/XX/XXXX. I have been hung up on so I can not bring myself to contact them. I request that the unauthorized XX/XX/XXXX payment be refunded to my checking account. I also request that they repay me the {$36.00} overdraft fee that I was charged by my bank. I am a single income homeowner and have to be very careful with my finances and this has brought me to the point that I am having panic attacks. I am also unable to properly function at my job.
Product: Money transfer, virtual currency, or money service

I initiated a purchase of XXXX ETH for {$1000.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My ethereum should have arrived by the end of day on XXXX XXXX, XXXX XXXX. I also initiated a purchase of XXXX BTC for {$910.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My bitcoin should have arrived by the end of day on XXXX XXXX, XXXX XXXX. Nothing has arrived. I have tried to contact Coinbase but I have not received any support.
Product: Checking or savings account

On or about XX/XX/XXXX my son, husband and I opened a business checking account with a Wells Fargo representative via telephone. We submitted required documents via XXXX ( including all of our driver 's licenses ). We were notified that the application process was complete and we began receiving deposits and paying bills from this account on a regular basis. In XXXX we were notified that they did not have acceptable documents on file to verify my identity and that I would have to go to a branch office with ID. On XX/XX/XXXX I called Wells Fargo customer service immediately to ask what the issue was and to tell them the closest branch office was XXXX XXXX hours away. They were not able to explain why suddenly there was a problem. After XXXX hours, being disconnected 3 times and going through 4 levels of customer service I finally spoke with someone who reached out to a branch manager at the XXXX XXXX XXXX ( apparently this is where our account that was opened over the phone resides ). I was told I could fax my ID to this branch. I did so at XXXX p.m. on XX/XX/XXXX and have in my possession transmission confirmation. I also tried, unsuccessfully to contact that branch by phone but could not get through. On XX/XX/XXXX we logged into our account and discovered it was closed. A payment we made the night before did not go through and our {$1600.00} balance was not available to us. After several calls to WF customer service, I spoke to XXXX XXXX. She reached out to the XXXX XXXX branch, they were unable to say why my profile was not updated when the fax was received on XX/XX/XXXX. I faxed the information again on XX/XX/XXXX ( with proof of the transmission ), expecting that Wells Fargo would be able to reverse their errors and get the account reopened that day. Instead, I was told it would take 24-48 hours for the back office to update after the branch uploaded the documentation. XXXX tried to get through to the branch via phone to confirm they received the fax, but was unable. A complaint was opened, but today is XX/XX/XXXX my account is still closed and my money is unavailable to me. Everyone I spoke to said due to their " protocols '', there was nothing they could do to get my account reopened right away, despite the fact that they closed it due to their own errors. So far I've received a note from consumer advocacy that they've received my concerns on XXXX and then today I received notice from WF that my account is closed! This is unimaginable to me. They clearly mishandled my account with their repeated errors and have done nothing to rectify this with the urgency it deserved. I adamantly believe that both the XXXX XXXX branch and the consumer advocacy department need to be held accountable and that no one else should have to experience this.
Product: Credit card or prepaid card

Bank of America refuses to close my paid in full credit card the card is gone since XXXX XXXX XXXX still open ... .Executives office refuses closing ... many emails many calls XXXX IN XXXX North Carolina says file with u please assist