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

The credit Bureau stated XXXX XXXX was properly investigated but how is that accurate when the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, the dispute status was not marked disputed they put " Account disputed '', the account remarks meets FCRA XXXX 

The Bureau did not complete a proper investigation as requested. Everything must be 100 % accurate on my report however they did not do that. This is grounds for removal. 

They Also violated my rights under 15 U.S.C 1681 section A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureau took more than 30 days to complete my investigation. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account The Credit Bureaus never did a proper " Investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


I have previously requested that you investigate this information and you have failed to correct the Errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card account listed on my Equifax, XXXX  and XXXX XXXX credit report is lost/stolen : XXXX  XXXX XXXX Visa : XXXX.
Product: Mortgage

When we initially put the offer in on the property, we had an initial closing date of XX/XX/. After the offer was accepted, the lender told us we could close as early as XX/XX/XXXX We then changed the date to close on XX/XX/. We were unable to close because the lender failed to complete the underwriting. We rescheduled the closing date to XX/XX/XXXX however the title company is still pending documents from the lender to be able to close. This is now pushing our date to close back to XX/XX/. This will be the second time closing is pushed back due to the negligence of the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my Equifax consumer report I've noticed fraudulent accounts reporting that doesn't belong to me. These companies purchased and shared my personal information without my consent which is fraud pursuant 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. These accounts are negatively impacting my credit score limiting my ability to have any potential relationships with any lenders or institutions.
Product: Payday loan

Received notice from XXXX managment and paid {$310.00} for old debt for spouse to remove from credit report so we can purchase a home. They sent the attached letter. They stated they have the debt from XXXX XXXX XXXX who had the debt originally before I found out about it. XXXX is still reporting this debt on both credit reports despite numerous attempts to get them to remove it since the debt was paid in full. 

Either XXXX is a scam and collected on a debt that they did not have access to, or XXXX is refusing to accept the fact that someone else collected on the debt since they would not. The original Creditor was speedy Cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX account on my credit report which shows being paid in full but 150 days in delinquency. I have never made a late payment on this account. The balance was last updated in XXXX of 2013. For the last 6 years this inaccurate payment history has been hurting my credit score.
Product: Credit reporting or other personal consumer reports

Account info
Account name XXXX XXXX XXXX XXXX XXXX
Account number
XXXX
Account type
Education
Responsibility
Individual
Date opened XXXX
Status
Creditor cannot locate individual/Never late.
Status updated
XXXX XXXX
Balance XXXX
Balance updated XXXX
Recent payment
-
Monthly payment XXXX
Original balance
XXXX
Highest balance
-
Terms
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/year> I received a XXXX from XXXX XXXX, Senior Claims Agent, at Debt XXXX International ( XXXX ) regarding a debt that was not actually owed. I spoke with XXXX to clear up the issue and she understood the debt was not for my company. I believed that we had resolved the matter as I requested proof of the debt and they were unable to provide any. 

Shortly after I received an additional email, requesting the same debt. The debt is in the name of a person who has never worked at my company and for a service that we have never used. At this point I called back and asked for a supervisor and was put on the line with " XXXX ''. I tried to explain the error, but he proceeded to scream, swear at me and continually interrupted me. He made threats about lawsuits and reporting us for XXXX violations. I recorded this call, and subsequent call on my cell phone as I was absolutely appalled by the language he was using.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to try to explain that my existing complaint I have filed against Equifax is the same problem Im talking about my complaint number is XXXX if you look you see im complaining about equifax and there negligence in fixing a problem with being able to physically see my report it appears blank w no info about my credit history. Equifax replied to tell me there investigation will take time due to having to contact my creditors to validate the info there reporting? Its not the entire issue I hired a company to dispute my negative items I NEED EQUIFAX TO FIX THERE ISSUES OF NOT BEING ABLE TO SUPPLY A CURRENT ACCURATE REPORT NOT MY CREDITORS BUT EQUIFAX YET AFTER SEVERAL PHONE CALLS EXPLAINING THE ISSUES THERE STILL NOT NOT ADDRESSING MY ISSUE. HOW THE XXXX DO I GET TO SEE WHATS ON MY REPORT SO I CAN DISPUTE IT. EQUIFAX HAS A GLITCH W MY REPORT. THEY CANT FIGURE OUT THE ISSUE BUT MY REPORT THEY PROVIDE IS USELESS BECAUSE ITS BLANK .. FIX THE PROBLEM!
Product: Mortgage

Bank of America had me on a trial payment for my home equity loan # XXXX which was {$250.00} I made all my trial pymnts starting XXXX 2015 today I rec 'd my form stating it is now going to be {$390.00} when I spoke to XXXX XXXX he stated boa did n't take into consideration of unpaid interest when they set it up in the beginning. Now I get papers to redo my mrtg which I never asked to do and they have it that I own rental property which I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few days ago, I reported a dispute issue I was having with Transunion Credit Reporting Agency. While Transunion agreed to take care of the issue in 60 days, it terminated my access to check the dispute status or report a new dispute since I reported the dispute issue with the CFPB. 
When I try to check my dispute status and use my credential for that ( Username " XXXX '', I am blocked from any further access ). 
Credit Reporting Agency has a duty to refrain from acts that constitute of deem to be an act on a consumer on malice or retaliatory under FCRA. Consumers do have a right if they find any report or service provided by the CRAs to be faulty or incorrect. 
However, Transunion should refrain from this kind of act of malice or retaliation for a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my Experian credit report related to an account with XXXX, Account Number : XXXX. The information reported by XXXX is incorrect, and I would like your assistance in resolving this matter. 

The account in question is marked as " Paid, Closed, '' with a {$290.00} balance written off. However, this is inaccurate because I paid the full balance directly to XXXX, and no amount was written off. The account should reflect the accurate status of " Paid in Full '' with no write-offs. 

I have already attempted to address this matter with XXXX  without success, and I am now requesting your assistance to correct this error. This inaccurate information is negatively impacting my credit report, and I would like it corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

There was an account on my credit report- XXXX XXXX XXXX XXXX that started reporting on my credit XX/XX/XXXX and closed on XX/XX/XXXX. I have disputed this many times as it was never my acount. Eventually the company XXXX XXXX charged off the debt/ wrote it off and filed it as a bad debt sending me a 1099-C calcellation of debt form fir the XXXX tax year. This shuld no longer be reporting on my credit being that the company charged of the debt, took a tax break and I got a 1099C for XXXX. I contacted the company in XXXX and they agreed that this should not be reporting on my credit report. The credit reporting was removed from XXXX and XXXX but not from Equifax. 
I spoke with the compnay again in XXXX and was told to contact the credit bureau for removal. I disputed this debt twice with Equifax and they will not remove the reporting/ the account from my Equifax credit report. This is in violation being that this account was settled, paid. My latest dispute with Equifax was in XXXX and their report returned to me as Account accurate. It's not accuarte and needs to be removed from Equifax. 
I am attaching my last dispute from Equifax from XXXX and the 1099-C, Discharge of debt/ Debt cancellation from XXXX. The amount on my credit report is alos wrong showing as {$10000.00} balance when the 1099-C form was for {$730.00} dated XX/XX/XXXX. The credit report also shows paid and closed on XX/XX/XXXX on this account. 
Please remove this from my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all 3 credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are 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 Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from.

This is Federal Law. It looks like yall are not following the Federal Law to me
Product: Credit card

On XX/XX/24, I paid the full balance shown on my monthly statement, total of {$26000.00}. This my normal practice, I pay the full balance each month. Not sure if it was my error or the bank 's, but the full amount was paid XXXX, so that a second payment of {$26000.00} was also processed on the same date. I called my payor bank and the credit card ( both Citibank ) on XX/XX/24 to try to stop the payment, but the said they could not stop it on a weekend. On XX/XX/24, I called the credit card ( Citibank ) and requested a refund of XXXX of the XXXX payments. Citibank said it would take XXXX business days. I asked for expedited payment ; they said they would try and get back to me. One XX/XX/24, a Citibank representative called and said the refund would be processed in XXXX business days. On XX/XX/24, I called Citibank again because the refund had not processed. A supervisor named XXXX told me it would still be XXXX business days. I told them that I would be filing a complaint with CFPB if the money was not refunded by XX/XX/24. As of today, I have not received any refund and I have heard nothing more from Citibank. Because Citibank failed to provide a refund, I was unable to pay the full monthly balance on another card ( XXXX XXXX  ) and incurred {$330.00} in interest.
Product: Credit card or prepaid card

I am well under the knowledge that payment is overdue for this particular card. It is unfortunate that we had other bills that needed taken care of first or risk potential eviction from our living situation. 

The initial charge was for the max limit of {$1000.00} on XX/XX/2022. The payment was processed and then repayment calculated for {$29.00} a month due every XXXX. We missed the initial payment due to job status as well as other bills, and have yet to be late for XXXX ( it is currently XX/XX/2022 as of writing this ). The current payment sits at {$69.00} with the {$40.00} late fee that CitiBank charges for the best buy credit card. We are normally quite prompt with payment, and have been trying to figure out our finances and other bills to get this paid. The purchase was not made without great apprehension in the first place, as it was for a phone that needed replaced. We had little to no choice, as repairs on the old phone would be just as, if not more expensive and take too much time, as the phone was needed by the next day for job purposes. 

Since XX/XX/XXXX, CitiBank has called me XXXX to XXXX times a day, leaving a message only once. They call from the same number, and I recognize it in my call logs. They even call outside of normal business operating hours, including on XXXX and XXXX. 

All times are in Eastern Standard XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX ( XXXX somehow ), XXXX, XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX and XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a title loan from loanmart when i fell in hardtines. I m a retired service member and now a federal employee. Theybsaid they were kegally allowed to provide title loans in virginia. Virginia law states title loans can go over 36 % interest for residents of virginia. They have the loan at 66 % which is way over they never sent me my contractbwhen i signed and still wont send or provide it. I tried paying down the loan but the interest is too high and i feel like i will never get out of it. Rhey say they can have a high loan because their office is now in utah.
Product: Checking or savings account

am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions.
Product: Credit card or prepaid card

XX/XX/XXXX Citibank sent invite to me via mail. SAID : Change my current simplicity card to a XXXX XXXX card. 
Received letter/contract for new card mailed on XXXX XXXX on XX/XX/XXXX. Read it. Letter states that once I activate my new card, expected XXXX XXXX, then my simplicity card would be closed and all transactions from simplicity card would me moved over to my XXXX XXXX card. Page two states ; " This agreement takes effect once you use your card. Even if I don't use the new card the agreement will take effect unless I contact them within 30 days after this agreement was sent to cancel. I went online and found that both cards were listed as being current. All transactions from my simplicity card had already been moved. My preapproved simplicity interest rate was 0 % until XX/XX/XXXX. Now on the new card it is 19 %. 
I immediately called three numbers and spoke to representatives stating I did not want this new car. 1.5 hrs. later the representative told me that they could NOT reverse the process and if they did I would not get my original card back or interest rate!
Product: Credit card

On XX/XX/XXXX ( the transaction didnt show until XX/XX/XXXX ) my wife and I attempted to yse our XXXX reward miles to purchase a flight with XXXX XXXXXXXX to XXXX . This flight is to see the XXXX XXXX XXXX XXXX XXXX who will be XXXX any day now. The capitol one page forced reset the page before we could buy the ticket but our miles disappeared. Weve spend around 4 hours on the phone with Capitol One requesting them to return our miles to us. They said they will do an investigation which could take up to 90 days. Our sister could go into XXXX any day now and we need to buy the ticket now. They have offered no solution to return our stolen miles back to us. We have spoken with XXXX XXXX who say theyve received XXXX payment and contact from capitol one which means this is all an internal system error within Capitol One. We deserve to have our hard earned mileage returned to us immediately so we can travel to see our XXXX XXXX XXXX XXXX. This is unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While Experian and XXXX  have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a XXXX  mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! Contract Callers in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report from all three bureaus, including XXXX, Equifax and XXXX I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX XXXX XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as XXXX, Equifax and XXXX to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )
Product: Credit card or prepaid card

i was charged {$10.00} for a charged that was reversed by the merchant. 
this is outrageous.
Product: Checking or savings account

Made a deposit into my Huntington checking account of XXXX on XX/XX/2018. Received an email from the bank stating the deposit was on hold until XX/XX/2018. I also setup an auto transfer of XXXX dollars per week from another one of my accounts a month earlier for which Huntington bank continues to pull faithfully. 

Though I had other funds in the account bills submitted XXXX XXXX ( my Car note ) for payment were told my account was closed. I am charged insufficient funds fees for the non payment on my car-note even though there are funds in the Huntington Bank account to cover car-note outside of the XXXX deposit. 

It is XX/XX/2018 now and I have no access to my account and no explanation as to why the account is on hold. Huntington Bank is stating I will have to wait until there process is completed but they continue to withdraw from my other XXXX XXXX XXXX account. 

Funny thing is the the XXXX dollars cleared the originating bank and Huntington continues to process the auto transfer from my XXXX XXXX  XXXX account. They are getting funds in but I cant get anything out. 

Please help