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

On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named Nissan Motor Acceptance ( NMAC ) /Infiniti Financial Service ( IFS ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that IFS would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX XXXX Credit Reporting summary is open with incorrect balance {$7400.00} under NMAC/IFS instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX ). I have submitted disputes to IFS Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through XXXX Credit Agency ( attached XXXX screen shot ). But to much dismay, NMAC/IFS continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those green dots which reflects I'm in good standing with them, even as reports by NMAC/IFS since XX/XX/XXXX ( see attached XX/XX/XXXX XXXX Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!
Product: Debt collection

Recently, I was contacted by TD Bank about a checking account I used to have with them. To my shock, they told me that I had an outstanding deficiency balance over {$800.00}. I told them that I did not know how that was even possible, and asked them to send me some kind of account detail to show how they arrived at that figure. I have yet to receive the requested information. Furthermore, they told me that if I did not pay it in full within a few days, they were going to send that balance to a collection agency, and it would hurt my credit scores. To try to avoid that from happening, I offered to make small payments towards the debt until we could get it all sorted out, however the TD Bank representative told me that they could only accept payment in full, otherwise they would be sending it out to a collection agency to damage my credit. I was shocked that they offered no other solution for me, especially in the middle of a pandemic. Our income has been affected by the Covid crisis, and its hard enough to just keep the lights on ; much less pay out $ XXXX at one time to a bank that will not even show me how they are arriving at the balance they are trying to correct.
Product: Money transfer, virtual currency, or money service

I can't login to my account. 
They are limiting my ability to login and there is no way to recover my account.
Product: Student loan

I took out student loans while I was at XXXX University. The student loan total was 75,000 approximately. I have been paying on the loans for approximately 16 years and the current balance is XXXX with XXXX total I have paid currently towards interest. The company claims they told me about a graduated payment. I have no record of that in written form anywhere. I find this predatory lending. I have almost paid the entire balance of the actual loan off in interest yet I still owe MORE than the actual loan itself. This is deceitful. I was a young girl when I signed up for these loans and HAD NO IDEA that paying off the balance of these loans would put me in a financially difficult situation. Nor do I think this kind of student loan lending is fair. IT is deceptive and wrong.
Product: Credit card

My Citi ThankYou Preferred Card statement dated XX/XX/2016 showed a balance of {$2.00}. I attempted to pay the bill electronically through the Citibank website as I always do for my credit card bill ( and many other bills ). I got a message saying that the balance was too small to be paid electronically. 
On my XX/XX/2016 statement, there was a {$.00} minimum interest charge and a {$2.00} late fee ( in addition to the other charges incurred for that statement ). I complained to the telephone and online customer service representatives, explained the situation, and asked for the interest/late charges to be refunded given the error message I got on the website ( and given that I have been a customer for 21 years, I have never had a late payment, and I maintain a healthy balance in my linked Citibank bank accounts ). The representatives refused to reverse the interest/late fees and said there was nothing they can do. 
I have continued to pay the actual charges being incurred on the card while this dispute has been pending. However, I have refused to pay any interest/late fees. 
The situation is absurd - I pay my bill electronically and on time all the time ( and have for years ). This time, the Citi website would not let me make the payment - that is a Citi issue, and not a me issue. And, I have been a longstanding and loyal customer for years.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX, mi XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Removal of Paid Collection from Credit Report Dear CFPB Team, I am writing to formally dispute the continued reporting of a collection account on my credit report, despite the fact that it has been fully paid. The account in question is detailed below : Original Lender : XXXX XXXX Name : [ XXXX XXXX XXXX ] Date Assigned : XX/XX/XXXX Original Balance : {$250.00} Current Balance : {$0.00} ( Paid in full ) Under the provisions of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. The continued listing of this account as unpaid is inaccurate and misleading. 

Enclosed, I have provided proof of payment for this debt, demonstrating that the balance has been satisfied in full. I kindly request that this inaccurate entry be promptly removed from my credit reports with XXXX, TransUnion, and XXXX. 

Failure to address this issue may result in further action to protect my rights as a consumer. I trust that the CFPB will help ensure the compliance of the credit bureaus and the reporting agency with federal laws. 

Thank you for your attention to this matter. Please feel free to contact me directly if further information is required. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : Copy of the credit report showing the collection account Proof of payment for the collection account
Product: Bank account or service

Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.
Product: Debt collection

Asked for a copy of contract showing I owed the debt or any kind of paperwork.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have no idea what theyre trying to collect but they call from multiple different numbers a day even after I told them to stop calling this number. Theyve also reported an account thats affecting my credit multiple times. Ive had it removed once and now it happened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy on there files. I sent the results of the investigation to Equifax numerous times to show there is no bankruptcy in my file with the data furnisher XXXX. Equifax responded on XX/XX/21 confirmation XXXX, XX/XX/21 confirmation # XXXX, and XX/XX/21 with confirmation # XXXX all saying the bankruptcy was verified as accurate. How can Equifax verify information that does not exist in there files as of XX/XX/21, letters enclosed? Equifax seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending computer generated responses.
Product: Checking or savings account

I banked with USAA bank back in XXXX. They closed my account one day out of nowhere without any explanation. I lost my card once or twice while being with them and one of the times I believe it was stolen and used by someone else. Shortly after i received my new card i went into a store to try to make a purchase and was told my card has been disabled indefinitely. I was unsure why this was happening so i called and they only told me " security reasons ''. I again called a few weeks later and the same was said, only this time i asked how long it would take and they basically said it wouldn't come off anytime soon. And that in the meantime " try to stay clean, make payments on time '' and things of that nature. I am completely confused at this point. Now XX/XX/XXXX i am in need of some affordable car insurance and i want to take advantage of my mother 's veteran status. She recommended i try USAA again and still after two years the same nonsense. They go as far as to tell me they want no dealings with me because " they took a loss ''. I am completely uncertain as to what loss they are talking about because anything the person did who recovered my lost card has nothing to do with me. I ask for a third time what is the reason behind this. All the guy did was reiterate that statement and said i will be responded to with a formal reason in 24 hours. That was weeks ago. In conclusion i have not gotten a proper reason as to why my account was closed, especially with no notice as swiftly as it was done.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 consumer notifies the agency directly or indirectly through a reseller, of such dispute, 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 or reseller. 

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

Experian is not giving me access to my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information that appears on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). This dispute specifically concerns the improper inclusion of personal identifiers and inaccurate information under my name. 
In accordance with my rights under these laws, I demand that you immediately remove the following unauthorized and inaccurate personal identifiers from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, you are obligated to conduct a complete and thorough investigation of my dispute within 30 days of receiving this letter. If the investigation shows that the information is indeed inaccurate or unverifiable, you are required to promptly remove or correct the information and notify me of the results. Additionally, please send me an updated copy of my credit report reflecting the removal of these identifiers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 
XXXX XXXX XXXX XXXX
Product: Student loan

I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.
Product: Mortgage

I notified my loan company, Loan Care, about a decrease in my property taxes, which would save me considerable money on the escrow portion of my monthly payment. I contacted customer service with this request on XX/XX/XXXX. The representative I spoke with let me know that the escrow department would review my request and follow up with me within a week. Today, XX/XX/XXXX ( a week later ), I contacted Loan Care again because I had not received any follow up. The representative I spoke with informed me that Loan Care declined to adjust my payment because " they had not found any significant change in my taxes. '' I informed the representative that this was incorrect and she provided me with an email address to which I could send my complaint with documentation from the county, and explained to me that I would have to start ALL OVER by providing all information over again, in a brand new request. This is beyond frustrating and has a significant financial impact on my cost of living ( about {$400.00} a month! ). 

I also asked if it was possible to get my escrow account removed, so that I could pay my own tax bills. We have a XXXX XXXX and I understand that escrow is NOT required. The representative recommended I submit a separate request to the customer service email and informed me that there was no specific criteria for removing the escrow account and " sometimes they don't do it. '' This is troubling, because it is unclear to me, as a customer, what I need to demonstrate and what the criteria is to be able to pay my own bills ... rather than pay this third party company what amounts to an additional {$2000.00} a year to pay my bills for me. 

I am significantly concerned that the company failed to follow up the first time, conducted an erroneous analysis, that they will neglect to follow up on my current request, and that there is no transparency in the process around closing an escrow account. I am perfectly capable of paying my own bills.
Product: Mortgage

We honestly believe that Wells Fargo Bank is deliberately blocking the sale of our home which has been approved for short sale since XXXX XXXX, 2017. Our realtor, ( XXXX XXXX, XXXX in XXXX, XXXX. ) has received two qualified buyers but Wells Fargo delays and delays until both buyers backed out. We lost the last buyer this week. We believe that Wells Fargo would rather run us through a foreclosure or try to force us to pay the back owed payments to make us keep the house. My husband XXXX XXXX  had to retire for health reasons and we have moved to XXXX and bought another home. Our problem is that Wells Fargo keeps running us around and around doing the same paper work over and over and over. Then they insist something is missing and that they can not move forward until more paper work is done. Also they keep changing the person responsible for our account ; the last person assigned was XXXX XXXX at XXXX ext.XXXX who, like all the others has done nothing but delay. We need help. Any assistance would be greatly appreciated. We have done everything Wells Fargo asked us to do. They approved us for short sale and we can not get them to act in a timely manner. Your help would be greatly appreciated. The address of our old house is XXXX XXXX XXXX, XXXX, XXXX XXXX. Our current address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX. XXXX. Please call us at XXXX for more information.
Thank you, XXXX XXXX
Product: Credit card

On XX/XX/2024, there was a fraudulent transaction to my XXXX credit card for {$0.00} for XXXX  that was made without my permission. I never provided my credit card or any other information to this company in the past. The same thing happened with XXXX for {$.00} on XX/XX/2024. Due to the fraudulent charges, I closed my account, thinking this would resolve the issue. To my surprise, I just learned today that apparently Chase/Visa automatically updates my new credit card information with these companies, despite me reporting it as fraud and never had a relationship with the companies. This defeats the purpose of closing the account and is a blatant violation of the fair credit and reporting act. I called Chase Customer serviceand they refused to remove the updates, stating I had to update with the companies themselves, despite them being fraudulent. This is unacceptable. I finally got a hold of someone in fraud who was helpful and said they were able to remove these fraudulent stored card numbers. There's clearly a flaw of XXXX XXXX XXXX that is allowing for the direct violation of the fair credit and reporting act that needs to be corrected immediately.
Product: Debt collection

I have been getting repeated " robo '' calls to my home number from various numbers that all leave the same message about a collection of debt. I follow my credit rating, score and owe no debt that monthly payments having been made ( home, car, etc ). 

The debt collector message just lists the name of the lawyer and an 877 number. At first we thought this was just a " phishing '' type scam but some searching found this person is known for bad behavior in debt collections. That is the reason we have not tried reaching out ourselves. 

The caller : Maury Cobb Attorney XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Number called from/date/time : XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX These are just the calls I can remember documenting. The last call I saved the " robo '' call message as well. All messages are exactly the same and mention nothing about whom is being called or what the debt is about. Nothing has been received in the mail about this either. 

I have no documents but can provide the recording if required. Call logs can be obtained from my service provider if needed as well. 

Please make it stop and what other legal actions are available to me? 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 consumer notifies the agency directly or indirectly through a reseller, of such dispute, 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXXXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

i called a salesman XXXX about a truck to see if i can afford XXXX over the phone i was told to come to the dealers in XXXX ga and i went upon my arrival the truck was already picked out for me and my husband we didnt pock our own truck out i was told my payments would be XXXX i told them i couldnt afford it then a sales XXXX name XXXX XXXX to the table with another offer he offered me the truck at XXXX a month with a 7 year contract for repairs of the vehicle have any but when j went into the office the truck payment went from XXXX back to XXXX bc they said we signed for insurance we was rold by XXXX financial to sign up for it but he didnt say that will change the payment. when i got home and uploaded I SEEN WHERE THEY LIED ABOUT MY INCONE TO APPROVE XXXX FOR A TRUCK WE COULDNT AFFORD FROM THE BEGINNING and i think they should help us get in a car we can afford global lending reach out to them which is the lender on the deal and XXXX XXXX refused to help at all