23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This complaint is ongoing with Vectra Bank. After I closed my account, I went online to get my info from bill pay for my new account and noticed that the payment in question had been put back into my account, which I had closed! How does that happen, I spoke to XXXX XXXX several times. She told me that the payment had come back to Vectra because I closed the account.However she could n't release the money to me. I am still waiting for a check from Vectra for {$170.00}, but I have yet to receive it. I called her again and was told that the check was mailed out that day, Tuesday the XXXX? I think that they are holding the check because I filed a complaint.
Product: Money transfer, virtual currency, or money service

I asked PayPal to close my account, which is under the name of my company, and they said that they could not close it because it was blocked. I tried to unblock it, but they told me they could not. I asked who could do it in the company and I was told no one could. I asked then to remove my personal information from the account, and they told me they couldn't because it was blocked. I was able, after complaining, to have them take my bank information out, but that was the only thing I could make them do. All my personal information is there and they refuse to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated with HomeLoanServ, XXXX XXXX  XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to HomeLoanServ. I purchased with a Conventional loan and DPA offered thru a State of Texas program. This DPA was supposed to be a silent second. However, HomeLoanServ reports it on my credit report : ID XXXX XXXX Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below XXXX! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.
Product: Debt collection

I was incarcerated from XX/XX/XXXX until XXXX of XXXX. Some time in XXXX, someone stole my identity and got many credit cards. They used up the cards and never paid. I was unaware of this until I was released in XXXX. I have contacted them MANY times, and the debt gets removed and then sold to another collection agency. I have sent them my incarceration proof, police report, and identifying documents so that they know it is me. I never receive anything back. I have attached files showing some of the letters I sent to them and also proof of my incarceration and a copy of the police report.
Product: Debt collection

I called into the company and gave nothing but my name told them I had called in recently and was attempting to find out how many accounts the company had for me. The representative who answered did not ask a single question to verify I was who I said I was, but she released my full name, who the account was with, and how much it was. This was a clear violation of my personal information. I then requested a supervisor to ask what the company 's verification process for protecting clients he as well released my full name, who the account is with and how much it is without any sort of verification either. The way this account has been handled has been absolutely horrible and makes me wonder if the fraud issues I 've had have stemmed from this company. If it was n't actually me calling in I have no doubt that someone would have my full name and the information associated to the account in collections. Upon attempting to reach the company prior to filling this complaint they have hung up on me three times when asking for a manager to settle this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account opened in my name. Account : XXXX. Partial account number : XXXX. Account : XXXX. Partial account : Account XXXX. Account : XXXX XXXX Partial account : XXXX
Product: Debt collection

This is my second complaint on Trs recovery services in reference to XXXX XXXX XXXX XXXX. A letter was sent to pay a grocery debt not paid by XXXX XXXX  so I paid in full from my XXXX account. XXXX I want this refunded immediately as they have not communicated with XXXX my payment. Trs continues to act in bad faith and to blantly tell lies they are communicating with XXXX and as of XX/XX/28 no communication has been had and my account is still on hold. Last supervisor I spoke with XXXX XXXX was very condescending and non empathetic. Ive made several calls and nothing has been done. XXXX XXXX is saying now they have no way to contact XXXX which is not what XXXX is communicating to me. I want my money refunded immediately or I will sue Trs and Telechek both.
Product: Credit reporting or other personal consumer reports

A negative item was placed on my credit report saying i owe a debt. I requested proof and gave them XXXX  days, i never received any proof.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not complete and it's not accurate. 

XXXX XXXX open date is not reporting correctly, Account type, Terms, payment status and Last date reported on this account is not accurate XXXX XXXX XXXX XXXX open date not reporting correctly, last reported and they sent me a letter stating that this debt was sold this information reporting is not accurate XXXX XXXX XXXX XXXX Account status, date opened and last active not reporting accurate, Santander XXXX, Balance, number of months, high credit, past due, last reported, last active and last payment is not accurate XXXX  XXXX XXXX  XXXX Account Status, Date opened, No of months ( term ), high credit, last reported last active and last payment are reporting inaccurately I sent a letter on XX/XX/year>, asking them to re investigate this accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX here is my tracking number XXXX I got the investigation back but noticed nothing was modified or updated. 


So I requested a description of the re investigation and they do not provide it to me which is a violation of XXXX XXXX XXXX 
They also violated 15 USC 1681 ( 5 ). 

Can you look into this matter
Product: Student loan

I want to know if The Holder Rule that is being used to justify private student loan discharge with Navient applies to loans that are direct-to-consumer. 

I was awarded federal loan discharge approval with Borrower 's Defense because I went to a defrauded school. 

Navient 's response, when asked seems arbitrary and misleading.
Product: Debt or credit management

Lexington Law was supposed to fix my credit. I called to ask why its no change in my credit repair. They said it takes some time and a couple more months goes by and my credit still not fixed. I dont remember the exact dates but it was last year.
Product: Checking or savings account

My name is XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX I want to open checking account the Bank of America, but teller said I am banned by XX/XX/XXXX. 

They didn't tell me the reaseon. 

It's unfair. I want to open checking account from the Bank of America as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX The U.S. Agency for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Cellphone - ( XXXX ) XXXX - XXXX Fax - ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

A collection agency keeps re-aging an old account each time I speak with them about it. I 've been disputing the charges because I feel that I do n't owe them.. We had no settlement agreement at all.
Product: Credit reporting or other personal consumer reports

I have no case for by a judge for the state of XXXX  to pay child support.
Product: Credit card or prepaid card

This complaint centers around erroneous marks by the creditor " Capital One ''. I currently have a credit card with XXXX XXXX XXXX that has marked three late payments to the credit bureaus ; these late payments are not accurate and does not reflect my payment history with this creditor. I contacted " Capital One '' regarding my payment history and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate information on my credit report. You are still reporting the company XXXX XXXX XXXX on my credit report as that show have been removed immediately due to inaccurate information on my consumer report. Having XXXX XXXX XXXX reporting negative on my account is harming my well being and ability to obtain credit. The company signed a cease and desist letter regarding stopping all communication which includes the advertisement on my credit report. I believe XXXX XXXX XXXX should be removed from my consumer credit report. This is not showing maximum accuracy on my credit report.
Product: Credit reporting or other personal consumer reports

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, Transunion hasn't removed the fraudulent charges from my credit report. I don't have time to contact Transunion every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. Transunion is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud themselves. Again, I'm not saying this to slander Transunion or the banks that opened fraudulent accounts under my name, XXXX XXXX  XXXX, and XXXX XXXX I'm merely stating that there are fraudulent accounts that must be removed from my report.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX Code XXXX or misleading representations- ( XXXX ) you failed to notate these items was in dispute within 30 days now these items in violation XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumers right to privacy and confidentially under U.S.C 1681 Experian Credit Reporting US Bankruptcy Court Account Number XXXX Im challenging the validity of this alleged Bankruptcy 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 item 's information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I recently Challenged this bankruptcy with these credit bureaus and they stated that they confirmed this Alleged bankruptcy with XXXX. I have valid proof that these credit reporting agency have not confirmed this information with XXXX Nor the Court House im asking these credit reporting agency to please remove this alleged bankruptcy from my credit report ASAP as this is tarnishing my name
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


XXXX XXXX XXXX amount {$130.00}. I never had this account
Product: Debt collection

XX/XX/19 I received a call from NCC Business XXXX Ext. XXXX stating that they had a debt of $ 2000+ from XXXX XXXX XXXX where I had moved from on XX/XX/19. I asked what it was for and he stated he didn't know. He stated he wanted to settle it with me in lieu of reporting it to the credit bureau. I told him that I was officially disputing the debt because I had not idea what it was for. He asked if I broke my lease with XXXX XXXX I told him no, I gave 2 months notice that I was moving and I was on a month to month lease. I asked where/when they notified me of a debt and he quoted my address that I lived at over 5 years ago, prior to moving into a property owned by XXXX XXXX. I gave him my new address and again stated that I was disputing the debt and wanted an itemized statement. He asked me if this was how I handled all of my business??? I stated yes, it was. I again told him that I was disputing the debt and wanted an itemized statement. I told him that they had my phone number and my email address and they have not contacted me about a debt. He asked how I knew they had not tried to call me. I said because I have a cell phone that keeps a log of all of the incoming calls and I have not received any missed calls from XXXX XXXX XXXX and I have not received any emails from them asking for a new address. He told me I was being difficult and that he was going to submit the debt to the credit bureau and hung on me. I called XXXX XXXX and asked them for an itemized statement, they said once it's been turned over the collections it was out of their hands. She asked if I told him that I was disputing and I said yes. She said he would contact her for a copy of the itemized statement. I asked why they had not contacted me about a bill or to ask for my new address because they do have my email address and my phone number which has not changed and she again stated it was out of her hands and disconnected the call. I also feel that this is retaliation for a negative review I posted on XXXX reviews for XXXX XXXX rentals which was about 2 weeks prior to me receiving the call from the collection agency, so I would like to see the dates of the original letter mailed and the date that the collection agency received the allegation from XXXX XXXX XXXX. I also know that I did not cause any damage to that apartment and have no idea what they could possibly be charging me for. I have been renting in XXXX, Texas for over 20 years and have never had any negative remarks on my credit history from any rental properties, ever. They also know where I work and they have my work number and address and could have contacted me there. So they had an email, an address and 2 phone numbers to reach me at. I also updated my address with the USPS weeks prior to moving so if they had sent the letter to my last known address, it would have been forwarded to me by the USPS. Either way, NCC threatened to report a debt that I was disputing and had not been properly notified of to my credit report.
Product: Mortgage

On XXXX my monthly payment increased {$1200.00} due to increase in escrow account. I applied for a temporary loan modification and provided all requested documents. However, the proof of HOA payment was rejected ; Mr Cooper sent me a letter requesting me to contact the loan modification specialist for further assistance. That was on XX/XX/year>. Since I have called multiple times - on XX/XX/XXXX I dialed 10 times - but the automated systems didn't provide me an option to speak with an agent ; moreover, I was in touch with a refinance agent - only department with live agents. 

It is a federal law that a mortgage company must have a person assigned to speak with about my account ; it is called the contact law which Mr Cooper violated since I applied to the loan modification. 
In summary, the only live agents I am able to speak with are the ones selling refinancing loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX  XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$430.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was pressured into buying a timershare from this company by their sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the XXXX hotel located in XXXX XXXX, little did I know that this company is a scam, when I tried to use the timeshare it was never available so I was paying for something that I never got to use. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as { {$200.00} } credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I decide to resale the timeshare in XX/XX/XXXX with the same XXXX company, ended up having to pay extra just to put it for resale with them. They said would only take XXXX months to sell and it has been XXXX years and it still hasnt been sold. They never provided me the disclosures to opt out of sharing my information with anyone and they have been sharing With these credit agencies my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Ive tried addressing this issues disputing with the agencies and it still hasnt been resolved.
Product: Vehicle loan or lease

Refund in the amount of {$1300.00} was received by BB & T on XX/XX/2020, XXXX XXXX however is still not applied to my account.
Product: Mortgage

Carrington mortgage is being unfair and unreasonable in my difficult time in finding home owners insurance. I am unable to find home owners insurance due to water damage claims that were no fault of my own Carrington knows this. I have tried to find home owners insurance and I can't. They make you get home owners insurance but when you to file claims. They punish you for having to use it.