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

I have found some information that is inaccurate on my credit report. The date-of-last-activity being reported for this account doesnt match my records. 


XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

Back in 2010 when I was a XXXX in college, I opened an account with Bank of America. They closed my account in less then a week due to what they claimed suspected fraudulent activity. I called the bank to find out what happened and no one could give me a clear answer. They told me the account was closed and that was it. A few month ago ( 5 years later ) I tried to open a new Bank of America checking account, they refused me but the teller could n't tell me why so I had to wait to speak to a banker. When I finally sat down with a banker they told me that I owed the bank {$50.00} in fees they charged when closing the account, fees for which I should n't be paying because I had funds in the account when it was closed. They said that I needed to pay before they can reopen the account, so I asked for my old statements and they told me they ca n't provide it because the account was closed due to fraud. I asked what the suspected fraud activity was because they never told me, they just closed the account without confirming with me and reported me the XXXX. Now if they suspect fraudulent activity on my account should they tell me what it is? Or what went wrong so that I can fix it? Also it 's been years since the account was closed and I already paid them the {$50.00} they say that I supposedly owe them yet they have not reported that the matter has been settled to XXXX and are still reporting negative information about me which is n't factual. I 've never had any fraud on my account, and even if so the bank was suppose to verify with me instead of just closing my account without my knowledge. So now I am unable to open a new checking account because Bank of America has reported me to XXXX for reasons I still do n't know and they wo n't tell me, and I 've paid the {$50.00} they said I owed so they are suppose to update the information with XXXX and remove my me from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I received my credit report to see items being reported in correct. It show the wrong date of being delinquent and a past due amount on a charged off account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX  Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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

I recently received a notice of adverse action from a utility company in my county. I called the utility company to confirm which credit scoring model they used and they confirmed that they used a TEC score which was provided by Experian. I contacted Experian to determine how I could access the information and score contained in the TEC report but Experian only provides options to obtain a FICO score for free or a XXXX score for a fee. Experian does not provide any access to the information contained in the TEC report. This makes it impossible for the consumer to verify or dispute inaccurate information contained in this report. I would like to know what is being reported on my individual TEC report as my identity has been compromised before. There is very little information online aside from whats on this web page : XXXX XXXX XXXX
Product: Debt collection

I have contact them several times in regards sending me information to validate this debt.
Product: Debt collection

Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : Pendrick Capital Partners LLC Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of Medical Service : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, Pendrick Capital Partners LLC had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.
Product: Debt collection

This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB.
Product: Checking or savings account

Reversal of ACH hold payment and have not been credited back or fully credited.
Product: Money transfer, virtual currency, or money service

I inquired on a Puppy for sale on an online Pet website XXXX XXXX XXXX and was advised the total cost was {$500.00}. The seller requested a {$300.00} XXXX payment deposit. He then advised {$200.00} was ok and {$300.00} upon arrival of the puppy. Which we paid {$200.00}. He then texted and advised he needed all the money which did not make sense to me. The he said it was the seller XXXX 's brother XXXX. He said we needed to pay more to ship the puppy off and the Delivery Company was requesting protection insurance. I told him that was not the original agreement and he said he would try and fix the problem. I offered to pick up my puppy and pay the balance and he refused and said why would I waste my time and drive so far ( XXXX, CA ) when he could do everything. He then responded and said the puppy can be delivered " Today '' which was already XXXX. I texted him a few times and never heard back from him again. I called and texted and no response. 

PLEASE HELP! THIS IS A SCAMMER COLLECTING MONEY FROM INNOCENT PEOPLE. 

His email provided to send the XXXX Payment was XXXX. I immediately called the Bank Chase to advise I was being scammed and they said it was to late to stop the direct payment. I could not cancel the payment. 

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

In accordance with the Fair Credit Reporting Act XXXX/XXXX/XXXX  Account Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDU Account Number : XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) High Inquieres : XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX  ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX I could no longer pay my Home Depot credit card XXXX XXXXXXXX. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed XXXX XXXX XXXXXXXX I was served a court order from a XXXX XXXX XXXX XXXX attorney XXXX  XXXX  on behalf of XXXX XXXX XXXX saying I owed this debt even though it was after the XXXX years legal to collect the debt in XXXX and was now a legal resident of XXXX XXXX so XXXX  years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I informed them was XXXX years past the legal standing to attempt to collect a debt in XXXX  since that was where this case started and even if it went to XXXX it was still a year past their legal standings and the attorney told me this call was over and hung up on me.
Product: Student loan

I don't believe I have the loans they are claiming I have and there is no Master Promissory Notes on file for any of them. I've asked them to be sent to me and haven't gotten a response but they are threatening to contact my place of work.
Product: Debt collection

I have 4 accounts that are past 7 years old and a collections co took out a rit on me and says I still need to pay. They even said they were going to garnish my wages. it has been past 7 years. Can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX XXXX XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX  rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
Product: Mortgage

Description of Issue : " I am filing this complaint regarding serious violations by my mortgage servicer, Dovenmuehle Mortgage ( DMI ), servicing on behalf of Origin Bank, concerning my HAF-assisted mortgage.

Timeline of Events : 1. My loan was approved for HAF assistance in XX/XX/XXXX XXXX. HAF funds of {$50000.00} were received by DMI on XX/XX/XXXX XXXX. The funds were applied on XX/XX/XXXX After receiving HAF funds, DMI has engaged in the following illegal practices : 1. Improper Fee Assessment : - On XX/XX/XXXX, after HAF application, fees were temporarily cleared to {$0.00} - DMI then began assessing new fees starting XX/XX/XXXX : * XX/XX/XXXX : {$56.00} * XX/XX/XXXX : {$110.00} * XX/XX/XXXX : {$160.00} * XX/XX/XXXX : {$220.00} * Continuing to increase to {$330.00} by XX/XX/XXXX XXXX. Excessive Payment Demands : - After receiving {$50000.00} in HAF funds, my amount due has increased from {$37000.00} to {$65000.00} - This represents a {$27000.00} increase AFTER HAF assistance - This appears to violate both HAF program guidelines and RESPA requirements 3. Account Balance Manipulation : - My loan was foreclosed on XX/XX/XXXX - XXXX artificially set my balance to {$1.00} from XX/XX/XXXX to XX/XX/XXXX - On XX/XX/XXXX, they suddenly added back {$280000.00} - This manipulation appears to violate RESPA and proper accounting practices 4. Escrow Account Mismanagement : - My escrow account shows consistent negative balances ranging from - {$9800.00} to - {$17000.00} - DMI continues to collect escrow payments while maintaining these significant negative balances - This appears to violate RESPA 's escrow account management requirements
Product: Money transfer, virtual currency, or money service

I currently have a XXXX credit card which I use to purchase items. I have tried on multiple occasions to add my XXXX Bank account information to my wallet and every time I get an error message that states the routing number can not be accepted. Furthermore, I tried to send a check payment for the outstanding balance from my XXXX Bank account, and it was rejected as well. 

I submitted multiple customer service requests to XXXX to understand why they do not accept my payments. In communicating with XXXX, they let me know that they do not control the routing number tables and the verification used for payment processing. They use a company called Certegy to do their payment processing and verification, and that I need to speak to Certegy about resolving the problem.

I reached out to Certegy and submitted a ticket. The ticket was never resolved and a tier 1 agent reached out to assist. The tier 1 agent said someone would get back to me in a day to resolve the issue. It has now been more than 2 months with no call back. I did call back multiple times asking to speak with a supervisor regarding the issue, but I was always told I would get a call back but never have. 

Furthermore, I contacted my bank, XXXX Bank to better understand the problem and after further research they sent me the following communication to send to Certegy. It read as follows : " RE : VALID ROUTING NUMBER NOT RECOGNIZED BY YOUR COMPANY - XXXX Bank 's routing number is XXXX has been active in the Fed Routing Tables since XX/XX/2021. We received notice from our customer that your company does not recognize this information. The routing number can be verified at XXXX XXXX XXXX using the E-Payments Routing Directory. This routing number can be used for any Fed ACH transaction. We encourage you to update your records to allow your clients to use this active and valid routing number. '' Based on my understanding, Certegy needs to update their routing tables with XXXX Bank 's routing number so that XXXX and other large corporations can accept payments from XXXX Bank which is a publicly traded company and billions of dollars in customer funds.
Product: Credit reporting or other personal consumer reports

I usually check my credit report after I woke up but then this time it was different. There are inquiries that I did not authorize to be on my credit report. I have no kn
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 severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

I have a student loan which is now serviced by Navient. I have a problem with the way they apply my monthly payment. I am a responsible borrower, I am current with my loan, I have no real trouble making my payment. However - I like to pay a little more than the minimum each month in order to pay down the principal. Navient makes it hard, or nearly impossible, to do this. 

The company has an easy way for borrowers to go online to make a payment each month, however there is nothing in the payment process that allows borrowers to repay a little more in order to shorten the term of the loan, and the amount of interest paid. 

Every other type of financing - mortgage, car loan, even a loan I received to buy a new mattress allows for a little overpayment, which is applied to the principal. 

Navient deliberately does not allow this to happen. This is a blatant attempt to XXXX over the borrowers, and drag out the loan term and increase the amount of interest they pay. This is not fair. Many student loan borrowers likely have no idea how to shorten the term of the loan, and Navient capitalizes on this unawareness. 

For many, a student loan is the first type of loan they receive. Assuming they are able to make their monthly payment, Navient traps them with a slick website which tells them exactly how much to pay so that the loan gets paid out over the longest possible period and Navient sucks every penny of interest out of them. Yes, Navient is a business, but they could at least provide a means for their borrowers to pay a little more. This wo n't cost Navient that much, because most people ca n't pay any more than the minimum anyway. 

The federal government backs many, if not all, of the loans Navient profits from. The fed government should, therefore, force Navient to apply the same truth-in-lending principals that mortgage lenders do.
Product: Checking or savings account

On XX/XX/XXXX, I logged into my online banking account with Wells Fargo. I noticed four transactions made through XXXX in the amounts of {$490.00}, {$490.00}, {$930.00}, and {$990.00}. I immediately knew that this was a fraudulent act because I never authorized such transactions. I called my bank and filed a report with the fraud department. They opened a claim and changed all my banking information. However, I just received a letter that my claim has been denied and I am distraught. I keep all my banking information safe and secure. This was not my fault and I can not lose XXXX dollars over something I had no control over.