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

XXXX, Experian, & XXXX, continues to report 2 dismissed XXXX XXXXXXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In early 2022 ( 2 years ago ) I had a wallet stolen with cards and IDs. I called up a company in XXXX, XXXX, XXXX, and XXXX to not only cancel the card, but also close out of my account completely since the company has awful customer service and support. The company ( XXXX ) did not cancel the stolen card, nor close my account. There inaction led to stolen identity and fraudulent charges on my card. For many more months through XXXX, XXXX, XXXX, XXXX of 2022 I continued to contact the company, and eventually their legal director told me that all the charges were reversed, the card and account was closed with no balance due. However, this was also a lie as charges continued to be made on the card. They now refuse to answer any calls or emails with my continued request to remove the account from my credit report since it was due to fraud. The next step I have taken involves CFPB, FTC, Federal Reserve, and other state and federal banking and financial regulators. They have reviewed the evidence and came to the clear conclusion that this was identity theft. 
I have provided all of this to Experian over the last year or more, via online report disputes and formal complaints, since this is a violation of the FCRA. They need to remove the account that was the result of fraud and identity theft according to that federal regulation, and have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX, the entire account should be deleted off of my credit reports with Experian, XXXX and XXXX XXXX collectively. XXXX XXXX XXXX XXXX  is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account from XXXX XXXX  reporting on my credit report.
Product: Credit card or prepaid card

On XXXX 2021, I saw a Delta SkyMiles Gold American Express Card offer when I was booking a ticket on XXXX XXXX. 
The page stated " Earn XXXX  bonus miles after you make {$2000.00} in purchases on your new Card within your first 3 months. '' plus " {$200.00} statement credits when made purchase on XXXX. '' I have never had this card and do need to take flights pretty often. So I received this card on XXXX and completed all the requirements for the XXXX  Delta miles and {$200.00} credits in 3 months. However, on XXXX the American Express customer services told me that they have decided to denied the sign up bonus with no reason. 
I was very happy with American Express services in the pass and suddenly felt I was cheated.
Product: Credit reporting or other personal consumer reports

Equifax is reporting errors in my credit file and is affecting my life. 
XXXX XXXX - Account is reported as closed in XXXX and pay as agreed all year XXXX, and XXXX. Account must be removed for inaccuracies and is in violation of FCRA. 

XXXX  XXXX XXXX  XXXX Account is reported as pay as agreed in payment history but payment status is reported as 120 days late. As FCRA account can't be reported late and pay as agreed at the same time. DELETE ACCOUNT. 

XXXX XXXX XXXX XXXX  Account is reporting as XXXX late payment but Equifax and creditor is unable to comply with XXXX15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

In XXXX of 2018 ( I'm not sure of the exact date ) I ordered a eliptical machine from XXXX. Which was financed through TD Bank which is the credit card company. A few weeks after I recieved the merchandise I realized that it was literally bad on my knees, so I called and returned the elptical and ordered a treadmill. Mind you it literally took them almost to pick up the eliptical and then longer to deliver the treadmill. Once they finally picked up the treadmill. I realized that it would be very difficult to move the treadmill around to another room. Despite the commercial saying that it was concviennt and could be stored in any room. So again I called and had them return the treadmill. Which again took almost 2 months for them to pick it up. Now I look at my statements and my credit report. Which says that I maxed out ( well almost maxed out my credit limit of XXXX with TD bank. And then I get statements saying that my balance is XXXX because I never returned the treadmill and then they have the nerve to charge me a restocking fee in the access of XXXX and something dollars when It took them months at a time to pick up the return!!! I filed a dispute and still no resolution!!!! Fair warning do not do buisness with XXXX XXXX!! or TD bank for that matter
Product: Debt collection

Amshercollection services XX/XX/year>, I looked up website and they are for houses which I've never applied because my credit is not great And anotheXXXX XXXX XXXX I contacted them they have no record with my name, and they couldn't help me
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is not owned by me. I have requested its removal on three occasions. Each send registered mail. They have reported the account as updated but the account remains unchanged.

I have requested verification of the account as I am certain this is not my account ; this has not been provided despite three requests. 

Most recent letter states they had incomplete information to complete my request. The letter does not specify what exactly was incomplete. I have provided copies of identification, utility bills and supporting documents with each request.
Product: Credit reporting or other personal consumer reports

I checked my consumer report on XX/XX/XXXX and I still see inaccurate information according to 15 USC 1681 on these 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 is stated on the XXXX verified report which is wrong. 

I have everything attached showing all the inaccuracies and also attached the verification letters from XXXX and EQUIFAX. XXXX never respond to any of my letters that i sent out. Everything is documented on this portal so you ( CFPB ) does have all the evidence. 
I asked the CREDIT BEAURUES for the METHOD OF VERIFICATION on XXXX XXXX for those accounts but the CREDIT BEAURUES never responded to me.
Product: Bank account or service

Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Bank of America on the phone. The issuing bank, XXXX, had a record of BOA recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if BOA does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The BOA Vice President suggested I " climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnon ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX I ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taken complete control of my identity, I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report.Not sure who has my information or how they got it .I have been calling the credit bureaus explaining this but as of today they have been any help.Please help me take back my life
Product: Vehicle loan or lease

I make advance payments on my auto loan every two months. Every month, I get a collection call from Chase Auto Loans saying that I haven't made my payment. I say that I paid for two months, and they say that the second payment was applied towards the principal, and I am still late. After complaining, they tell me that they will fix it. Then they call a week later and tell me my payment is late. They then threaten my credit and try to levy a late fee even though I am actually a month ahead in payments. I have been given multiple excuses for the reasons for this, and been repeatedly assured that it wont happen again. Then the cycle starts again. 
When I finally got tired of it, and wasn't given access to a manager, I requested information about filing a complaint with the Federal Reserve. They refused to give it to me.
Product: Student loan

I called XX/XX/19 XXXX as a senior citizens my child was charged XXXX for one semester on private student loan, I called the recovery department spoke to XXXX XXXX he wanted XXXX to release from the loan I get XXXX per mont on social security XXXX I am XXXX senior citizens on the loan, I have only XXXX to be released from the loan, I asked to speak to a Supervisor but he knew his supervisor XXXX was out feeling sick, I spoke to XXXX she said that the company does that because my request for a supervisor has to be met, not matter what department, XXXX knew that department could not help me he transferred me to, this is a game the company plays, wasting our time waiting for someone that has no authority over your account, I spoke to a XXXX he said its company policy to pass you on to any supervisor even if supervisor has not authority over your account, the company need to fined for stringing customers along, they are trained to treat customers unethical. XXXX stated being in collections was judgement of my character, I told him sending your kid to college is not a crime but outrageous tuition and having to deal with Sallie Mae is, I honestly feel this company should be closed down and all employee put unemployment line, they are not there to help you.this company has no compassion for sick, elderly or working poor. the should not give out any more student loans, the treatment is unethical.
Product: Mortgage

Bank account ( within same bank as loan servicer ) used for automatic withdrawal was subject to fraud. This caused an automated stop-check ( bank initiated ) on all outgoing payments, including to the bank itself. After this occurrence, HELOC was withdrawn from an external bank account with no problem. The loan servicer ( Flagstar ) then informed that we could no longer pay by any means but cashiers check for a period of XXXX months, assigned late fees, and reported the account as delinquent to credit bureaus. The bank is now taking XXXX business days to cash said checks and posting payments as late. They refuse any payment. We have a separate account in good standing with the bank which is allowed to be paid in any format and has never seen an issue.
Product: Debt collection

There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
Product: Credit card

I was charged an undisclosed fee in the amount of {$1.00} for a paper statement fee. This fee was not disclosed when I signed up for the card to purchase a XXXX XXXX XXXX XXXX XXXX This fee was not disclosed. I have not received any disclosures regarding this fee. I have not consented to this fee. On a call today XX/XX/24 the phone representative stated they will continue to charge this fee even after I informed them I did not consent to this fee and that this fee was not disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 



XXXX XXXX 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: Money transfer, virtual currency, or money service

I am reaching out to express my concerns regarding Zelles handling of disputes, specifically due to the recent CFPB lawsuit highlighting significant issues with the companys practices. Despite using Zelle for multiple years and reporting discrepancies myXX/XX/XXXX and Zelle failed to properly invest claims. They would inform me that it is impossible to help recover the funds and they are unable to track the transactions. The CFPB has discovered that Zelle has neglected to protect their customers and have also allowed repeat offenders to exploit the system Leaving the consumers vulnerable to scams. The lack of assistance and care for us as consumers is unfair and this raises serious concerns.
Product: Mortgage

Selene Financial is stonewalling my modification process. They are using tactics like saying they can not find my authorizations for 3rd party to speak on behalf of me. Also, the customer service put me on hold for an hour ( XXXX XXXX ) and never came back, hung up on me when i called back to complain ( XXXX XXXX ), and then the manager ( XXXX XXXX ) yelled at me and hung up.

All I was trying to do was get assistance with modification but these people are not trained to do so. They are abusive to say the least and extremely combative. When I told Mr. XXXX of these actions his response was, " I can see why they are so combative ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year>.
Product: Student loan

My student loan servicer is  Navient . I have submitted all appropriate documentation for ym income based re-payment plan since my graduation in   XXXX   XXXX  . I have submitted twice and spoke with several different people since this time. I am receiving emails stating there are documents in my inbox on their website but can not find any documents. I have brought this issue up and the representative pushes the issue aside and never address it. As of today  X/XX/XX  I have not been approved, denied, or placed on any kind of repayment plan. I keep having to forbearance my loans or make partial payments. I feel that I am stuck and helpless in trying to pay back my student loans. I am trying to repay my loans but  Navient is  not helping or working with me to resolve. I feel whats in the best interest of the customer/student repaying is not a priority.
Product: Vehicle loan or lease

Regarding an auto loan with Flagship Credit : The loan balance is about double what it should be. I purchased the car in XX/XX/XXXX. I have a contract for XXXX payments. My payments are {$370.00} per month, yet they show a balance of nearly XXXX. I asked the about it and they said my interest compounds daily. I say that should be accounted for in the contract payments/terms. Also they said I have been more than 30 days late XXXX times. This is also not true, and my credit report will show this. I believe they are trying to extort money from me. This is a predatory loan that I received from a XXXX dealer. I had no idea it was such. This car is a XXXX now with over XXXX miles on it and they say I still owe over {$8000.00} a car that the purchase price was {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX account name- XXXX account name- XXXX account name-XXXX  account name-XXXX  account name-XXXX account nameXXXX account name- XXXX account name- XXXX account name- XXXX 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: Credit reporting or other personal consumer reports

While reviewing my recent Equifax credit report, I noticed an account reporting a repossession of my credit report. This particular company I've never even done business with this company verbally ore written, I attempted to dispute this account within the credit bureau, but they have yet to respond, please help get this fraudulent company removed off my credit report. Thank you. Company is as follows XXXX XXXX  account number XXXX phone number XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date ( XXXXXXXX XXXX XXXXXXXX ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company stated accounts verified. No proof of verification although I asked
Product: Mortgage

On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. 

I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct