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

Credit report states that XXXX XXXX credit card was closed at customers request. 
I did not request it to be closed. Actually I never asked for it to be reopened. I quit using it maybe 8 to 10 years ago when they began charging a yearly fee to receive rewards on it. Other companies did not do this so I started using a different credit card and XXXX XXXX issued me a different card with no rewards. I've never used it either but it has always been open and still is. Then a couple years ago the original card showed up again. Now about 4 months ago my credit report says that the old card was closed at the customers request. I never requested it to be closed or even be reopened. Also it was showing that I had {$1.00} in rewards still on it which naturally disappeared also.
Product: Credit reporting or other personal consumer reports

I have an account reported in collections in the amount of {$2700.00} and it has been in collections and sent to multiple debt collectors in the past 3 years, I have disputed multiple times as I do not recognize the debt and I have tried to gain more information about the debt but none has been provided from the collection agency, therefore I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I was requesting a verification of the debt they claim I owe them under the law 15 USC 1692C but for some reason I don't know I never receive nothing from them.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and XXXX for the deletion of the hard inquiries and also the dealership and the Bank involved. I dint authorized at all
Product: Student loan

I am a federal employee and qualified for student loan repayment ( SLRP ). Near the end of my aid payment my student loan servicer transferred from Great Lakes to Nelnet. After my last SLRP payment was processed, my account balance was approximately XXXX dollars between XXXX loans. So I made a payment of XXXX dollars on the account. This payment is reflected in my payment history in my account on their website as well as my bank records. However, next time I looked my balance did not reflect being half paid, it actually went up XXXX dollars. I figured it would adjust when it was fully processed and gave it some time and emailed them about it. 

XXXX I made a payment of approximately XXXX dollars, the balance reflected on their site that I owed. Where the extra XXXX dollars came from wasn't clear as it didn't make sense as interest, but I didn't really care, I was paying my loan off. That payment was applied to XXXX loan and it was reported closed in XXXX to the credit bureaus. However the other loan still is reported as outstanding at a balance of XXXX dollars now. 

I recently filed a dispute with the bureaus to get the correct information as Nelnet 's site doesn't reflect my account paid off, nor accurately provide details as to what is going on and didn't even match their provided statements, and they're entirely uncontactable. The dispute was looked into and they reported back XXXX loan closed in XXXX, and no data for XXXX, conveniently when my XXXX dollar payment was taken but apparently not applied. 

I have screen shots of the account balances, the payment history, and bank records. I have tried contacting Nelnet which has proven to not be possible any other way than by email to which they do not respond. I disputed the balance with the credit bureau to get accurate information and they report they have no data for the month. Yet here I sit still getting charged interest on a loan I paid off XXXX months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my payments to Wells Fargo was on auto pay with a paper check from XXXX payments each month towards the credit card at Wells Fargo account number XXXX Wells Fargo XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact Wells fargo they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with Wells fargos bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately Wells Fargo was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from XXXX XXXX showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to XXXX XXXX 



I tried calling Wells Fargo with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in WellsFargkand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the Wells Fargo XXXX credit card account
Product: Credit card or prepaid card

How I am being treated is not fair early XXXX I put in a dispute because there was a large pending charge on my account I question they canceled out my card and sent me a new one from my understanding it was being investigated today I received a email that my account was being suspended and closed because my dispute also a family member over heard me that lives in my household upset and admitted and apologized for using my card I told the card company what happened they lady said she will note the closed account she was very rude I called back numerous amount of time because customer service kept hanging up on me to explain the circumstances also wrote a letter to them they closed and locked my account with funds inside I have a XXXX I take medication that prevent me from having XXXX today tomorrow I am due for my medicine I have no way of getting treatment I have a XXXX XXXX XXXX to take care of without getting my medication I can have a XXXX anytime now I also explained to them my XXXX check was supposed to be deposited this week and will not be able to access funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
Product: Checking or savings account

I use Simmons bank for my business banking, and have 5 accounts with them. I have a primary account that my credit card sales are deposited into and is tied to my debit card, an account that I move sales tax to, and account that I use to write checks out of, in order to prevent vendors from charging my card and drawing funds before a check is deposited. I have scheduled transfers to from the primary to the tax and account I write checks from, however, instead of declining the transfers like they do with my manual transfers, they are allowed to process and then incur overdraft fees. 

When I reached out to Simmons, they told me that it was part of my overdraft protection and that I couldn't turn it off without turning off all my protection. I don't understand why the scheduled transactions would be allowed to go through, but the manual transfers are blocked. I try to be very diligent about preventing overdrafts, but this is surprising and disappointing.
Product: Debt collection

National Recovery Agency is contacting me via mail and TEXT ( at XXXX! ) regarding a XXXX XXXX account that was paid off XXXX ago. The previous agency that tried to collect on this account, this was taken off my credit report and I thought I was done with it, but obviously not
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Debt collection

Sometime in XX/XX/2017, my lockbox was stolen allowing someone access to my home. Credit cards were stolen and some cash. Apparently, other items were stolen that I wasn't even aware of. Whoever stole my credit card hacked the online account and I never received statements notifying me that payments were due. I was informed of late payments in XX/XX/2017 and disputed the charges then with XXXX XXXX XXXX XXXX. I went through their process and have been going through their process ever since. The company continues to notify me that I am responsible for the charges yet have never provided any investigation notes etc. I think it's unfair that I should be held responsible for the charges of now more than {$5000.00} that I did not create. I even tried to have the XXXX investigate and XXXX refused due to their policies. I am uncertain where to turn for help.
Product: Credit reporting or other personal consumer reports

i have some inquiries on my credit report that don't belong
Product: Credit reporting or other personal consumer reports

The balance and/or past due amount are/is incorrect. The amounts, other than balance and/or past due, are incorrect. Delete this account from all three bureaus. Account was closed XXXX  years ago and is now showing open. It was closed status. This account violates the law. 

XXXX XXXX last report XX/XX/year> incorrect. Please Delete this account.
Product: Mortgage

For the last three months, our mortgage lender is applying our monthly payments to escrow in error. This is 100 % their error. Each month we call and speak with them. After a few weeks it is resolved. However it did hit our credit because it was showing as being delinquent on our payments for 3 months. Ditech has been completely inept in handling this situation and it continues every month.
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the presence of inaccurate information on my credit report that requires immediate correction. After thoroughly reviewing my report, I have identified specific entries that are incorrectly listed and do not accurately reflect my account history. These inaccuracies are having an unjust impact on my creditworthiness, potentially affecting my ability to secure credit.

The information in question contains errors that are inconsistent with the actual status and history of my account. This misreporting can lead to misunderstandings by those who review my credit report, making it imperative that these inaccuracies are promptly addressed.

I kindly request that you undertake a comprehensive investigation into this matter. During your review, please compare the reported information with the accurate data on file. For your convenience, I have attached a separate letter with additional details regarding the disputed entries, along with supporting documentation that substantiates my claim.

It is essential that this erroneous information be removed from my credit report entirely, ensuring that my credit history accurately reflects my financial behavior. By doing so, you will prevent any further negative consequences on my credit score and my ability to access credit.

Please keep me informed of the outcome of your investigation and confirm once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.
Product: Mortgage

In XX/XX/XXXX, I began the home buying process. On XX/XX/XXXX, I was informed by the loan officer that everything was clear, and we were set to close on XX/XX/XXXX, on the house I had been living in ( lease-purchasing agreement ) since XX/XX/XXXX. Also, I received my closing disclosure prior to closing and was informed of my mortgage. On XX/XX/XXXX, as I was getting dressed to go to closing, I received a phone call an hour before closing and was informed by the loan officer that the closing time would be pushed back to the afternoon. Later, I was informed that the date would change because the old underwriter was out of town and the new underwriter wanted to talk to the old underwriter. An email was sent to all real estate agents involved that the date would be moved to next week due to an internal error ( Regions XXXX  fault ) and NOT the buyer 's fault. I informed the loan officer that this would not work, we were going to be put out and would not have a place to stay if we did not close on today and I had been telling him that throughout the home buying process. Due to the closing date change, the seller was able to get out of the contract and the seller did not show up for closing on XX/XX/XXXX, because ( per seller ) she can now get more money for her house since Regions didn't meet the closing contract date. My family and I received an eviction notice and the seller gave us 14-days to find housing. A family of XXXX had to move into a 2 bedroom/1 bath apartment because we had exhausted our monies, buying moving items, securing storage, paying deposits and etc. We were evicted from the home and lost the sale of the house we lived in for a year due to Regions XXXX  Negligence. My children who are all XXXX  were uprooted from their routine and everything was hard to readjust for them. My daughter had to cancel her XXXX birthday pool party, and losing housing caused a strain on the entire family unit and we had to seek counseling.
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to notify you of incorrect information on my credit report, which I am disputing under the Fair Credit Reporting Act. The following accounts have breached my federally protected consumer rights to privacy and confidentiality as outlined in 15 U.S.C. 1681 : According to 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not provide account information without my written consent. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer report may include adverse information that is more than seven years old, excluding criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to a consumer reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchandise which I leased where taken and I submitted 2 Police reports and the account was supposed to be closed as paid in full, Now there are over 24 Months of charge of history on my XXXX Credit report that are completely inaccurate. This history and item needs to be removed as it has negatively and improperly affected me.
Product: Credit card or prepaid card

Here is my actual score from XXXX ... XXXXAmerican Express XXXX and said it was XXXX when the actual score is XXXX... here are the direct notes from XXXX ; XXXX XXXX XX/XX/2022 XXXX GOOD XXXX POINTS XXXX XXXX See what's changed
Product: Checking or savings account

I had one previous account with Wells Fargo bank a few years back that was closed. I recently opened up a brand  XXXX  account with Wells Fargo In XXXXXXXX XXXX  XXXX and was always transferred to the fraud department due to suspicious activity on my account. They would block my account and between XX/XX/XXXX and XX/XX/XXXX About XXXX checks that i cashed and deposited inside the branch disappeared they have no record of me coming inside the branch to deposit my funds. All checks were issued from the State of Maryland comptroller that were owed to me due to being a victim of identity theft. Upon further investigation I have had a total of XXXX accounts opened with Wells Fargo since XXXX that I didnt open up and were open without my consent
Product: Debt collection

I do not know who this comany is yet they popped up on my consumer report. I have never recieved communication from this company. pursuant to FDCPA they are to get in contact with me about this alleged debt. They took it upon their selfs to violate my consumer report and just hinder my life by droping my credit score and slandering my name and reputation.
Product: Credit reporting

I have been trying to obtain my United States credit report under the FACT act and have been having difficulties dealing with Equifax due to the fact that I am XXXX. 
I currently have XXXX XXXX credit cards under my name. 

1 ) I tried to obtain a free credit report at XXXX and it was unable to generate. 
2 ) I ordered an Equifax credit report on their webpage, at the end they asked to confirm my identity and provided a phone number XXXX. Equifax XXXX # XXXX. Equifax then cancelled the order. 
3 ) I phoned that number and they said I needed to speak with XXXX at XXXX XXXX ) When I phoned that number I spoke to XXXX on Team Red .... I explained the situation asked for her supervisor. She put me on hold, kept checking back, and after 15 minutes disconnected the call without any explanation. 

The main issue with Equifax is the fact that there system uses social security numbers however I have a social insurance number. However under legislation they have a duty to provide accurate credit reporting information. As I have XXXX XXXX credit cards when they say I have none this is inaccurate. Furthermore, they do not seem to care to remedy the problem when I have indicated the issue to them. 

Can you please help me fix this issue? 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

I performed XXXX  XXXX for two customers who paid me {$1900.00} via Paypal on XX/XX/2019, and {$600.00} via Paypal on XX/XX/2019, respectively. These customers filed a dispute with Paypal against me claiming they didn't receive what was purchased and subsequently withdrew the paid funds out of my personal bank account to hold until the disputes were resolved. Both disputes were resolved in my favor and Paypal credited my online wallet the money that was taken. Here are the details for each dispute and notice of the results from PayPal from XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$1900.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX XXXX   XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$1900.00} USD Disputed amount : {$1900.00} USD This case is now closed and there is no further action needed. 

and then received on XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$600.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$600.00} USD Disputed amount : {$600.00} USD This case is now closed and there is no further action needed. 

PayPal redeposited these funds into my account so now I have {$2500.00} sitting in my account, however, PayPal closed my account prior to the settlement of these disputes and has blocked me from transferring my money back into my personal bank account. They withdrew these funds from my personal account when the claims were filed and by doing so, prevented me from being able to pay my mortgage payment that was already behind on. I'm facing foreclosure because of all of this money taken out of my account. Meanwhile, PayPal sits on my money and is most likely making interest off of it for each day that they hold on to it! When I called their Customer Service Department, I was told that it would not be release for 180 DAYS!!!! 

There has been no account activity since XX/XX/2019, when PayPal restricted the use and blocked me from sending or receiving any funds. It's been over 2.5 months since my account was used, so there is no reason why PayPal shouldn't deposit the funds BACK into my personal bank account from which they withdrew the money from in the first place. The amount I owe to my mortgage company is less than the amount that PayPal is holding and refusing to refund. 

I respectfully request help in resolving this matter so I can save my home from foreclosure. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX XXXX is reporting incorrect balance amount on my credit card. XXXX is reporting i have a balance of {$220.00} but my account online states i have a {$0.00} balance.