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

As a loyal customer, I have always strived to maintain a good standing with my mortgage provider. Prior to XXXXXXXX XXXX acquiring my loan I have never been late paying my mortgages. However, I recently discovered that a late payment was reported on my credit report. After reviewing my account, I believe this was an oversight caused by the lack of an online autopay option in your payment system, which I have always relied upon with other service providers to ensure timely payments. 
XXXX process for setting up autopayment was archaic and overly cumbersome to setup. It required me to ( 1 ) call customer service ( 2 ) customer service needed to email me a password protected form WITHOUT the password ( 3 ) a separate customer service representative would call at a later time to verbally give me the password. ( 4 ) The password verbally communicated was valid for a short period of time. ( 5 ) If the password wasnt used within the allowed time frame, the process needed to be repeated all over again. ( 6 ) once the form was unlocked, it needed to be printed ( 7 ) completed and signed by hand ( 8 ) them mailed back to XXXXXXXX XXXX. This made it extremely difficult for me to set up autopay, which I heavily rely on to maintain timely payments of all my bills. 
XXXXXXXX XXXX online payment system allowed me to store my payment account to make one-time payments and schedule a payment but had NO autopay option. My previous and other mortgage provider ( XXXX XXXX ) has an online autopay setup option.
Product: Debt collection

Collection agency is claiming my balance is higher than it is and I have been making monthly payments as agreed but the collection agency still shows wrong balance and that my last payment was more than a year ago. I tried disputing it with XXXX but the collection agency responded saying balance and payments they have been reporting are accurate when they are not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Violation Misuse of Credit Report Dear Equifax, I am writing to formally address a serious concern regarding the misuse of my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered on my credit report that your company closed my revolving positive credit card account that I've had for over a year, and it is in good standing 's nobody gave you the right, or written consent to close that account. That account is not closed on my XXXX, or XXXX report. Clearly this is misusing of my credit report which is a violation of the Fair Credit Reporting Act. This incident has caused me significant distress and XXXX negatively impact my creditworthiness. 

Under the FCRA, I have the right to dispute any inaccurate or unauthorized information reported on my credit file. I kindly ask that you fix, and restore my account at your earliest convenience. I request a copy of any documentation that supports the access to my credit report. 

Please confirm receipt of this letter and provide me with updates regarding your investigation. I expect a response as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely CFPB PLEASE MAKE EQUIFAX FIX MY ACCOUNT AND CREDIT SCORE CLEARLY Misuse OF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

On XX/XX/, I submitted a dispute to your agency regarding the accuracy of the information reported on my credit file for the account mentioned above. Under FCRA 611 ( a ) ( 1 ) ( A ), I understand that you are required to conduct a reasonable re-investigation and correct any inaccuracies within 30 days of receiving my dispute. 

It has come to my attention that more than 30 days have passed since my initial dispute was received by your agency, and I have not received any communication regarding the status or resolution of my dispute. This prolonged delay is in direct violation of the FCRA 's requirements, specifically FCRA 611 ( a ) ( 1 ) ( B ), which states that : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the dispute is directly conveyed to the agency by the consumer, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ... '' due to this reinvestigation proceeding 30 days and violating my consumer rights delete this account immediately and send me a written update of my consumer report by mail which is required by law. I understand the importance of maintaining accurate credit reports, and I believe that this matter should be resolved promptly and in accordance with the FCRA. Failure to do so may result in legal action being pursued to protect my rights under the FCRA. 

Please treat this dispute with the utmost urgency and provide a written response within 15 days of receiving this response, as required by the FCRA. Your immediate attention to this matter is appreciated.
Product: Credit reporting or other personal consumer reports

I tried to access my consumer report on Equifax and I could not, instead I got a code saying XXXX  meaning to send verification docs. I sent these docs via certified mail tracking number XXXX which was received in XXXX, GA XXXX XX/XX/year>, XXXX XXXX  today is XX/XX/XXXX and I called and spoke to a XXXX at Equifax XXXX ID XXXX. They are stating that they lost my personally Identifiable information like my social security card and Drivers license and credit card statement identifying that it was me. I'm not what they are doing over there but I would like the CFPB to make some type of judgment on this situation here, they get away with too much.
Product: Credit reporting or other personal consumer reports

Did not authorize XXXXXXXX XXXX XXXX via XXXX XXXX XXXX to access my credit report its against the law to access the consumer report without there permission.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX have been reporting information on my credit file that is not authorized. I have sent each of these companies opt-out notices to prevent sharing of my information. The following companies are not authorized to share my information with affiliates or non-affiliates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Privacy Notice provided by each of these companies, Federal law gives me the right to limit only 1 - sharing for affiliates ' everyday business purposes-information about your creditworthiness 2 - affiliates from using your information to market to you 3 - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. 

Transunion and XXXX are not only in violation of Federal Law, but are not affiliates of any of these companies. In accordance with their Privacy Notices, Affiliates are companies related by common ownership or control. Sharing my information about credit-worthiness is not authorized, and this fact is supported by the Privacy Notices they have provided, and my mailed requests to opt-out of such reporting. 

I have submitted multiple complaints via the companies as well as the CFPB.
Product: Checking or savings account

Wells fargo days they have XXXX me off so long they dont have to pay me.
Product: Checking or savings account

I have never set up or even heard of an account called Circle Internet. This morning I was ACH withdrawn for two payments. Neither one I placed. I never made an account. There is no phone number for the company and customer service refused to respond to me. Ive never used this company and it just showed up in my checking as a charge when I had not placed this. They never got back to me.
Product: Debt collection

No record of this debt on any credit report or current companies we have debts with. Trespassing and giving papers to the incorrect person. Legal action is being taken against CAVALRY SPVI, LLC for harassment and mental stress caused to person who received papers. Video footage available.
Product: Checking or savings account

I opened a Citibank interest checking and Citi Savings account on XX/XX/18 that included a promotional bonus offer ( offer code XXXX ). The terms of the offer were : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. 
Get {$400.00} deposited to your account. 

On XX/XX/18, I deposited {$15000.00} into my Citibank accounts ( {$2000.00} in my interest checking account and {$13000.00} in my savings account ) fulfilling the first requirement. 
I maintained the {$15000.00} balance for 86 days, or until XX/XX/18, fulfilling the second requirement. 
Therefore, both requirements were met on XX/XX/18 ( 60 days after depositing the {$15000.00} ). It has now been 95 days since meeting those requirements, which is beyond Citibank 's terms. Those terms state they will pay the bonus within 90 days after all requirements are met : " you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities ''
Product: Mortgage

Wells Fargo bank is not paying my taxes or insurance from my escrow account. I have called to try and get them to pay my taxes and they say it will be paid but it is past the due date. I have had to pay may taxes and insurance myself because they give me the run around every time I call. 

I have paid the taxes and insurance payments since my account was sold to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital one account on my credit showing as open and with a collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that on XX/XX/2022, I opened CFBP complaint # XXXX. On XX/XX/2022 I also sent certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX which was delivered XXXX  XX/XX/2022. I asked them for the following : 1. ) Evidence and authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter 2. ) Authorization of law for collection of information 3. ) Authorization of law to collect for this alleged debt 4. ) Send ALL of the dollowing evidence to do business or operate in the state of FL 5 ) Provide proof of the alleged debt including specifically the alleged contract or other documents bearing my WET signature.

Please note it is way beyond 15 days, almost one year yet they have continued to harass me via mail and have yet to furnish ALL I requested above therefore this matter should be permanently closed and all reporting to bureaus should be ceased. Failure to do so I will seek immediate legal action against you for continuing to report false and inaccurate information on my report. 
Please conduct yourself accordingly
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Zions Bank has been calling daily during business hours to collect payment for my closed Amegy checking account. I have repeatedly asked them to email a detailed statement and include who and where to send a payoff check. Yesterday I finally told them to stop calling my cell phone for any reason and only email the requested document to XXXX. I DO NOT WANT ANY MORE CALLS FROM ZION BANK. I'm not avoiding payment only want to see the itemized payments after the account was closed.
Product: Credit card or prepaid card

Discover Card offered me a drastically reduced interest and balance amount on more than one occasion. I agreed to the terms on more than one occasion. Discover Card will not honor their offer without access to my checking account to automatically deduct payments. I was enrolled in this in the past and am left with massive, unfounded charges when I notified them four months in advance that I would be closing the checking account and would be willing to provide the new account number. Discover Card did not comply, would not even provide me a written monthly statement via mail, and charged me massive late fees and interest. I received exactly one written statement in the last 6 months and have continued to make payments. I have notified them, again, that I never received the " offer '' that was presented to me. I notified them in writing 4 times that I am entitled to receive a monthly paper statement at my current address which they have and use when it suits them. I have asked numerous times for my full account number as I pay my bills electronically. To date, Discover Card will not even provide me this information. I need my account information, monthly statement mailed to me, and would appreciate the offer made and accepted by me twice.
Product: Debt collection

Rent Recovery Solutions placed a {$1800.00} debt on my credit report but can not tell me what it is for and I was never received notified about this debt. I only found out about this debt when I saw it on my credit report. The representative, XXXX XXXX, that I spoke to on XX/XX/2024 never confirmed my date of birth before speaking to me. I asked what the debt is for. She said they do not have any details on what the debt is for. I asked why I had never received anything in writing from them before the debt what placed on my credit and she said they are not required to send me anything in writing. I asked what address they had on file for me. She read off my previous address however, it did not have my apartment number, therefore it was an invalid address. Any mail attempted to be delivered there would be returned and would not make it to the mailbox for my former apartment and could not be forwarded to my new address. When I informed her that the address they had on file is an invalid address, she said that it's my responsibility to update my address with the post office. When I started to explain that it wasn't my new address that was the issue but my previous one and that if they didn't have the apartment number on the address, it would be returned because that address is invalid, she cut me off, started raising her voice and said that she is not going to go back and forth with me about an address and that I need to pay my debt. I asked to speak to a supervisor. She said no one is available but she could transfer me to her voicemail. I left a voicemail and have never received a call back. I was never informed about this balance by my apartment complex or Rent Recovery Solutions before it was placed on my credit. I never had a chance to review the charges, dispute them, or pay them before they were placed on my credit report. Also, considering it was my previous apartment complex from which this debt originated, they obviously had my apartment number. So Rent Recovery Solutions did not enter it correctly and still reported it to my credit even though it the letters were being returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I started a transfer on pangae money transfer on XX/XX/2021 for XXXX XXXX and the transfer was completed but my recipient has not received the money, and they have charged my account, i want a refund but the merchant is not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This is my third time submitting this problem! I have continued to send the proof that this account needs to be removed. My next step is to take legal action please review the attached documents AGAIN and remove this account. THIS IS A CERTIFIED COPY FROM THE CREDITOR FOR REMOVAL!!
Product: Credit card

Home Depot 's credit card clearly advertises 1-Year Hassle Free Returns, yet it's not true. In an attempt to return an item purchased with the Home Depot credit card, they are saying this particular item only has a 30-day return window. That is the definition of a hassle, and clearly not 1-year. The entire reason for getting this card is that perk. Otherwise it's like every single other card on the market.
Product: Student loan

In XXXX 2003 XXXX XXXX called me to advertise a program. At that time I was going to college and it was a bit difficult for me to get the time that I needed to attend the classes. So, when they called me I thought it would have been a great opportunity for me to have a steady job as they promised ; in order to finish my college education. So, I accept to sign in. At that time they told me that the tuition will be for about {$26000.00} and I will only pay about {$12000.00} because the government will be responsible for the remainder. However, that was a lie. Around 2003 while in class they called into the financial aid office just to sign on forms that they have already filled out. I thought it was for my best interest because I was in class, so, I do n't miss the teacher 's instructions. But, later on I have realized it was because they wanted to be successful into their scam activities. So, they made me sign on loan for {$12000.00} with XXXX XXXX. I could have said well, XXXX XXXX does not have anything to do with the school being a lawbreaker. But on the other hand I am thinking they must have known something. Because they can not allow anyone calling them and asking them to support a student without knowing who the student is and who the business is. For example if I were to call XXXX XXXX and ask them for {$5000.00} loan or for {$50000.00} they will ask me what type of business that I am conducting, they will also ask me for a proof of license. If they do n't do that that means they are in fault. They will however, get rip-off all the times ; and that is not business. Which means they have to do a thorough search before accepting a request. They either knew who XXXX XXXX was or was an accomplice with them. Therefore, I should n't be the one victimize for this scam game. And like I mentioned if they did not do their research before accepting the school request, this experience ought to be a good lesson for them. Therefore, I am asking for this loan to be erased from my account and also to be reimbursed for the total amount that I have paid to them for eight years which totaling {$20000.00}.
Product: Credit card or prepaid card

Why you are taking this unreasonable poisition re my account is a mystery to me. I have an excellent payment history prior to the pandemic. Why don't you take this into account? 
Again for the record you are not responding to the main issue. I was never told that closing my account was a permanent thing and that it could not be reopened once the account was brought current. 
As I noted in my last complaint, there is also no mention of this detail in all your fine print account information. You failed to address this glaring fact. 

I have had this same " closed account issue '' issue wsth other credit card companies and they have allowed the account to be reopened because I made a best good faith effort to bring my accounts current in a very challenging economic time. 

So your company decision not to return my best good faith efforts is heavy handed and a bad faith personal choice that does not respond to a best fatih effort to open my account. 

This needs to be highlighted to the credit community as a whole. 

Your second decison to not provide a new account because of economic criteria caused by the pandemic, which was your only option to reopen my account provided, shows equal usury and contemptious behavior on your part. 

So I am formally informing you that I am unable to make my monthly minimum payments and you will have to enroll me in a payment plan that allows me to make minimu payments of {$35.00}. 

If you choose not to enroll me in a payment plan and demand continued minimum monthly payments and follow up with any type of harassment charge off credit reporting or collection actions. The economic consequences will be dire! 

I am also doing the initial research for filing a small claims action againt FNBO in CA for unfair business practices, usury behavior and economic damages. 

This can all be avoided my simply doing the right thing. So I emplore you, Do The Right Thing!