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

There is a Bank of America Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with Bank of America that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with XXXX, I was not able to get an accurate/favorable resolution. XXXX says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with XXXX  and Bank of America to resolve this, but XXXX  refuses to do anything. All of my credit card accounts have a XXXX  balance or are paid in full monthly. This card with Bank of America has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and saw XXXX accounts that weren't accurately reported. I had XXXX late payments ( XXXX on each of my XXXX XXXX accounts ) on accounts that were in fact paid on time. The consumer reporting agencies need to report all information with complete acuracy. This account hasnt been late on payments, and the account is set to auto pay, so there must be a billing error of some sort. I have attached a copy of my report to this complaint on the folloing dates : XX/XX/23 for the following accounts : XXXX and XXXX. 

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: Student loan

Under the CARES Act, student loan servicers are required to refund any payments made on eligible loans made after XX/XX/XXXX but before the Act was passed. I made such a payment on XX/XX/XXXX, but despite numerous requests to FedLoan servicing, I have not received a refund, nearly four months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a new doctor at XXXX XXXX and XXXX XXXX in XX/XX/XXXX and filled out a new patient form including the address where I've lived for 15+ years. XXXX XXXX XXXXXX/XX/XXXX, XXXX, repeatedly sent the bill and all the past due notices to an address I lived at 17 years ago.Then when I never got the bill because they sent it to wrong address, they turned me over to collections and ruined my FICO score, dropping it from the XXXX into XXXX. They also ruined my future plans to move and buy a new house and car since my credit is now wrecked. 

I made their office aware of this mistake on XX/XX/XXXX and have heard nothing back from them. I spoke to XXXX XXXX, billing manager. I dropped off a packet with a cover letter with copies of the billings that were sent to the wrong address, saying I expected them to correct their error but no one has responded. I have hired an online law firm that specializes in credit problems.
Product: Mortgage

Opened XXXX XX/XX/XXXX I still do not have a resolution from Mr Cooper. 

I am victim of the XXXX XXXX. My home is under construction. My builder invoices on a monthly basis, per his contract. Mr Cooper will only disburse funds 'quarterly. ' I am unable to pay my builder as I do not have this kind of cash/savings. On XX/XX/XXXX, I requested that Mr Cooper make an exception to accommodate my builder 's contract. I am requesting that the answer be provided by end of week, week ending XX/XX/XXXX. 

I have phoned the company XXXX times, and each time I am given a different deadline. Today I was told it would be 15 days from XX/XX/XXXX, while on XX/XX/XXXX I was told it would be XXXX days. 

The impact of not receiving these funds in a timely manner is that I am unable to move forward in the rebuild and refurnish of my new home. 

Please assist in not only getting me the answer but in getting the disbursements released on a monthly basis until completion of the build. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. I contacted XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXXXXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with XXXX in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from XXXX or the Arizona school regarding the documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any children attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance is reporting my charge off monthly after closed and charged off inaccurately
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of are personal credit card accounts opened at XXXX  XXXX bank on XXXX under account number XXXX, XXXX XXXX XXXX  opened on XXXX under account number XXXX, XXXX XXXX XXXX opened XXXX under account XXXX, XXXX XXXX bank opened XXXX XXXX, XXXX XXXX XXXX XXXX  opened XXXX, XXXX XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of are personal credit card accounts opened at XXXX XXXX bank on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX  opened on XXXX under account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, personal credit card accounts opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX, a personal credit XXXX XXXX XXXX  opened on XX/XX/XXXX under acct number XXXX, XXXX opened XX/XX/XXXX under account # XXXX, personal credit card XXXX  opened on XX/XX/XXXX under acct number XXXX, a personal loan with XXXX XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Had 2 XXXX cards valued {$300.00} and sold them thru PayPal and I've never gotten my money and then was told to repurchase 2 more cards value {$300.00} or I would be charged fraud, so I did this value overall I'm out {$600.00} and want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I a

m attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

U.SBank has made me close XXXX accounts, and locked those XXXX accounts and blocked my online banking, even though I tried to comply and understand with what all the many FRAUD specialists had me do. I have had them close my accounts, and then be late sending me card replacements. They neglected to tell me, until XXXX, XXXX XXXX, that the reason my accounts were blocked was because I didnt close my previous accounts and open new ones. On XXXX I complied, and now I have to wait to use my accounts. I have to check in on XX/XX/ to make sure I will be able to use my accounts ( XXXX ) for food, bills, etc., ( this is the third time I have had to jump through the hoops because of a fraud on my account in XXXX XXXX  ). This time they replaced XXXX card but havent given me the PIN number, which is supposed to come in the mai, separately. My replacement card and pin have not been sent. I cant access my accounts online until they unlock my accounts ( again ), supposedly on Friday, XXXX XXXX times since XXXX I have been in the verge of defaulting on my mortgage, my utilities, my phone bill, my insurance bills, and now my homeowners tax, due soon. I can not, again, by food, gas, or take care of myself like this. I feel like they dont know what their policies are, having been stalemating my access to my money.They are in California XXXX I am in Georgia XXXX so the problems to resolve these issues are extended to my not being able to go into my branch, as that one is closed now, after their merger with XXXX XXXX XXXX I am fearful of losing my house, and everything else because I will owe creditors that will add late fees and can not pay them in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

I have a XXXX XXXX master card with Capitol One. With the pandemic l was not making money, unable to pay the balance due and my card was " restricted '' ( but supposedly not revoked ) because l went 120 days without making a payment. When l started making money, l started paying this and my other bills ; and in doing so, noted that l had XXXX award points, which typically can be credited into dollars toward gifts or cash to pay down my debt. I wanted to use my award points to pay down my XXXX XXXX XXXX XXXX debt. The company refused to let me do so saying that l lost the points when my account was restricted. 

Since they did not revoke my card and these points were issued based on my spending on their card, l do not understand why l can not use them to continue to pay down my debt. 

I made a payment, called and requested an explanation of why l could not use my points. Two persons told me they thought the restriction could be lifted and my points reinstated as l requested an explanation, but the 3rd told me it could not and that he was the last person l could speak with. 

Interestingly, when l went on line to pay on my account, my bonus points were listed on my account at the top of the page. After l called and requested an explanation as to why l could not use them - l tried to redeem them online to reduce my balance- they magically disappeared. 

That is my complaint- they took something of value from me which l was vested in prior to restricting my account, instead of allowing me to use them to reduce my debt and reduce the accrual of interest on my debt. It seems unfair especially in light of the pandemic.
Product: Credit reporting or other personal consumer reports

XXXX in disagreement with the accounts listed below, which still appear on my credit report even after your investigation. These items must be re-investigated immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXThese accounts are hurting my ability to obtain credit and are highly injurious to my credit score. It is my understanding that in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, Section 611, please provide the names and business addresses of each individual and items of whom you verified above so that I may follow up. Also, please send an updated copy of my credit report after your re-investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I had an installment account with Sezzle Inc, and it ended up going into collections due to non payment. After it was sent to collections with a company named XXXX, I paid it in a settlement on XX/XX/2024. I have the document showing that it is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an outstanding balance on my XXXX XXXX card and I called to get the total owed so I could pay and close the account. I was given the total amount and I transferred money and had the account closed. 
The following month I had statement that my debt was paid late and therefore had a late fee of {$35.00} owed. 
I called them back and said I had called and they gave me the total amount that I owed and paid off. I did not understand where a late fee was coming from. 
Since then they have been sending statements every month even though the account is closed and tagging an additional {$35.00} late fee. Now they say I owe them {$350.00}. 

I tried calling them again this morning to try and resolve this but they were adamant and the customer rep will not even let me speak with a supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section & : Il also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1866B : A creditor may not troat a payment on a crodit card account under an open-and consumer crodit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA VIOLATION 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

I've repeatedly, over the last several years, been unable to pull the free annual credit report from Experian. Every year I get " A condition exists that prevents Experian from being able to accept your request at this time. '' and suggestion to send a letter in the mail. 

I've tried calling Experian in the past and gotten frustrated by the hold times, operating hours, etc. Never gotten through to a human, don't trust that a letter sent blindly will succeed, and don't like the idea that my credit report, with all that information, might be sent to me in the mail in the first place. 

I believe Experian has done this to prevent me access to my *free* credit report, trying to get consumers to pay for something they should not have to pay for.
Product: Credit card

I was charged a XXXX interest charge and I called Citibank customer service to find out what it was for. The customer service representative told me it was for XXXXXXXX XXXX XXXX XXXX fee. 

I told her I never have paid interest on that and that I signed up for it back in 2010 when I got the card. 

The customer service representative told me they do not offer that and that is when I looked it up and found this article XXXX XXXX XXXXXXXX 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 or other personal consumer reports

This account is falsely being reported as an open account. All XXXX XXXX XXXX accounts are inaccurately being reported.
Product: Vehicle loan or lease

I called Navy Federal at the end of XXXX, early XXXX ( it was certainly after XXXX ). I spoke with a Gentleman in collections asking for options to get caught up on my payments ( he spoke about Deferment Program ) due to a hardship ( I lost my XXXX  XX/XX/XXXX after losing my home and great paying job, so I took sick really bad and couldn't work ( I explained this all to the gentleman ). He showed great symphony and ensured me again that I don't have anything to worry about. I accepted the hardship option, and he stated okay I'll be good and no issues. I advised that gentleman that I could make a lump sum payment XXXX and again he advised everything will be good. Now, my vehicle was picked up XX/XX/XXXX, I didn't receive any phone calls, emails or mailed letters advising that a repossession was in place because I would've been on top of it. I've never had a repossession in the 10+ years I've been driving and purchasing vehicles. Now, I called in the same day and advised representative of this and all she can say is " there's no documentation to reflect that conversation, and ensured she'll be investigating. Well, she never called me back or anyone else, so I called again expressing broken promises and communication concerns with this company because now it's out of hand even more. So, I ask is there anything that anyone could do to assist me, three different agents misdirecting me stating " we can transfer you to repossession and they can work something out with you '', I speak with repossession three different times and each agent stated " we don't provide assistant in this department, the only thing we can do is take the payment that's owed. And they apologized and stated " they not sure why the collections representative will transfer me over to inquire about payment options ''. Again, a huge lack in communication and lazy workers not knowing they job. So, here we are again.
Product: Debt collection

I have sent 3 debt validation letters to the company that i am attaching to complaint. This company hasn't provided the requested information for the debt they are stating is owed to them. This company is violating HIPPA laws as well as the Fair Debt collection act. Letters were sent in XXXX, XXXX, and XXXX. i received one letter from the company with a total of the alleged debt that they would request for this information to be removed however ; it is still reporting as open on my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> I submitted a complaint Experian about XXXX XXXX  reporting on my credit report for over seven years, see cfpb report # XXXX - XXXX it as been four months and it is still showing on my report, they have not even starting to investigate this issue because there is no dispute showing this on my credit report. They are breaking the law regarding my rights as a consumer. I am demanding that this item be remove from my file!!!!!