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

Unfortunately, for me I had a {$12.00} balance to which I was unaware of with Kohls. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least 3 different times to get it to go through. I finally said just forget it I need to go Ill pay for my purchase. She asks for one more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from Kohls thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from Kohls and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe Kohls could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.
Product: Vehicle loan or lease

I was 52 day late for payment on XX/XX/XXXX and tried to make a payment. The online would not allow me to make the payment. ( I have attached a copy of the Screen ) My account was not available for payment. I called after a second try and the representative told me that my account was okay for the payment did not uderstand why we couldn't put it through. Since I was at work, I didn't have time to talk with her, but I told her I would call back. On the XX/XX/XXXX they repossessed my car, after the majority of the loan has been paid. Erroneiously, I was under the impression one had to be ninty day late before a car would be repossed. The account on the paper work makes it appear that three payments were due, but the second one was just coming due and that's why I wanted to pay it before the second one became due. Additionally they company XXXX the person they contracted with to get a tow company was on the phone with me for over an hour trying to get the tow Company XXXX XXXX XXXX to allow me to get all my belongings and the wouldn't.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, my student loans were transferred from Nelnet to XXXX. Nelnet has not corrected this information on my XXXX Credit Report. It still shows Open/Never late and a balance causing my report of loans to seem to be doubled of the original amount. After many tries Nelnet has not changed the status to Transferred/Paid as agreed/Closed and account loan balances zero.
Product: Credit reporting or other personal consumer reports

Submitted inaccurate information on my credit report to Experian with legal documents backing this information up. The investigation took less than XXXX with no proof of the investigation or details.
Product: Checking or savings account

On XX/XX/2021 I opened a XXXX Bank Account ending in XXXX with Bank of America XXXX XXXX XXXX XXXX number is XXXX her email is XXXX We received XXXX bank statement that said Deposits for the month of XXXX were {$38000.00}. ( As seen in attached ). We then had a few transactions that were not processed correctly on our clients side ( XXXX XXXX XXXX XXXX ) and therefore caused Bank of America to " close '' our business account ending in XXXX. The " Account Closed Transaction '' amount is {$18000.00} ( as seen in attached ). We received a letter dated XX/XX/2021 that the account ending in XXXX is closed & " ... [ funds ] ... won't be returned to you. As permitted under our XXXX agreement, we've frozen the fund while we review the transactions and validate the source of funds. '' On XX/XX/2021 ( as seen attached ) we sent a Demand Letter from our XXXX XXXXo Bank of America XXXX Bank XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX & never received any response or correspondence. 

As of today XX/XX/2021 they, Bank of America, have not released the amount of {$18000.00} due to us & therefore has caused financial stress & hardship on me, my business, my clients & my employees. I am filing this complaint because they have closed the account ending in XXXX & have held my funds for an excessive 68+ consecutive days.
Product: Checking or savings account

XX/XX/year> at XXXX, I was notified by XXXX XXXX a Citizens Bank fraud representative that there was a suspicious mobile wire that needed confirmation prior to being processed. I immediately called the banks fraud division and advised them not to allow the transaction since it was not authorized by me. 

The following day I contacted the bank and asked them to close out my account and refund my monies to me via a paper check. My balance at the time was {$20000.00}. 

On XXXX XXXX, I received a check in the amount of {$13000.00}. 
On XX/XX/year>, I received a check in the amount of {$620.00}. 

On both ( XX/XX/XXXX and XX/XX/year> ) I sent regular and Certified letters to Citizens Bank asking for my balance of {$6000.00} to be returned to me. I have not received responses to either of my letters. I have also not received the remainder of the funds from my checking account.
Product: Vehicle loan or lease

I financed with Westlake Financial Services for my first car. The first payment was XX/XX/XXXX, and it was denied for insufficient funds ( I did not have overdraft protection and because of pending charges, I was - {$40.00} after the payment came out. ) I asked for an extension to XX/XX/XXXX, and they granted the extension. They told me to make the payment with the late fee. I made the payment, and was unaware they took another one out the same day. I saw that they took it out after my first payment went through, so I asked for them to refund one. They said they would, then refunded both. Afterwards, it said that I was about 2 weeks late on my payment and I was not allowed to make automatic payments or manual online payments anymore because I had been refunded too many times. They called the dealership and said that if the dealership themselves didnt pay my balance, they would repossess my car before the 30 day timeframe, and that I defaulted on my loan.
Product: Checking or savings account

I want to know about that payment of late fees and chargers to my accounts XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is furnishing inaccurate, unauthorized, fraudulent information on my credit file. There are XXXX hard inquiries reporting on my file from " XXXX  XXXX XXXX '' on XX/XX/year> and XX/XX/year>. Neither of these inquiries were authorized by me. These inquiries are fraud. Someone has been applying for accounts using my information. I informed Transunion that the information they are furnishing is fraud, and they refuse to offer any solution. I asked directly how we can resolve this matter and they refused to offer any solution. I have already filed a CFPB complaint about this matter and have received no help or remedy. I spent an entire day calling Transunion and speaking to several representatives, all of whom denied the opportunity to help me fix this situation. They just kept sending me back to a chat room, which told me to call a number, which sent me back to a chat room in an infinite loop. 
The Transunion agent agreed in writing that Transunion is committed to honoring the FCRA, however they are not. I never authorized either of these hard inquiries to be initiated or reported. The reporting of these inquiries on my credit file is both unfair and inaccurate. I asked in writing for Transunion to provide any proof that I authorized these inquiries and they were unable to provide any proof. I am uploading pictures of the conversation where the agent diverted the conversation in a different direction and ignored my request for information. When I asked him directly how we can resolve this matter, he said " I am sorry no options over here ''. This information is severely harming my personal reputation and needs to be removed immediately. I am filing this report because I have already attempted to fix this directly with the company, yet they refuse to help or comply with the law.
Product: Debt collection

Re : XXXX To Whom It May Concern : I have reached out to Diversified Consultants several times, certified mail, via fax and email with no response.

This is not a refusal to pay, but a notice that their claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit reporting

Credit reporting agency did not delete collection information, negative accounts and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2 . XXXX 3.XXXX 4 . XXXX InQuiries 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5. XXXX 6.XXXX 7.XXXX 8. XXXX 9. XXXX 10.XXXX 11.XXXX 12.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a clear pattern, every time I am close to reaching an 800-point credit score EXPERIAN finds a reason to drop my score for no valid reason! Experian dropped my credit score XXXX points when someone tried to steal my identity, another XXXX points when I complained to the CFPB, XXXX points when I paid off my debt and a zero percent usage percentage. And now after paying off a {$190000.00} mortgage Experian raised my score XXXX POINTS! I hope the CFPB can see that there is a problem with this XXXX company and takes action to do something!!!!
Product: Mortgage

Around XX/XX/XXXX I applied for a Home Modification Loan through Nationstar aka Mr. Cooper and it would go until XXXX. I paid every month on time. It reduced my monthly payment considerably. Well before XXXX ended I called Nationstar to see what options I had after XXXX was over and they told me that they were going to submit me again for another modification loan. Well I waited and waited and called and called. I finally found out that the second loan modification was denied and I needed to pay {$28000.00} or go into foreclosure. I asked if there was anything they could do and one representative mentioned doing another loan modification. I told him they just submitted one and it was denied. He said well we can try again. I asked if he needed anything from me like check stubs or bank statements and he said no just like the previous time that I was denied. This came back at the beginning of XX/XX/XXXX as denied also and now the amount to reinstate and keep my house is {$33000.00}. I even asked if they could tack it on the loan. They said no and my monthly rate has gone up now from {$2100.00} to {$2200.00}. I have written to XXXX XXXX, CEO and he hasn't responded yet. This just doesn't sound legit to put someone in a home modification loan and then ask for the full balance when the modification is over. Not giving me any time to pay. I have been told that I can't pay payments unless its the full sum of what I owe from the entire year of XXXX. The Loan Modification was {$620.00} a month and I found out they were holding that in an account until during the loan they collected {$2100.00} and then they would apply that toward the loan so during the entire Mod I essentially only made 1 full payment and that is why I owe {$33000.00} for payments, late fees and attorney 's fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : In XX/XX/XXXX I leased a vehicle through XXXX for a XXXX term. At the end of the term in XX/XX/XXXX, I returned the vehicle to the dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received my paperwork that nothing further was owed. 

Several months later I received a letter from XXXX that my lease was up and to return the vehicle. I was surprised and VERY concerned, because the vehicle was returned by the lease end date. When I called XXXX, I was advised that ( to the best of my recollection ) an employee had committed fraud on the company and the vehicle was entered into the database as not returned. I was advised, again this was approximately XX/XX/XXXX, that the matter would be taken care of. 

Fast forward to just recently when I pulled my credit reports, and to my shock the XXXX account is still reporting as Open with a monthly payment of {$480.00}, and a {$5600.00} balance ( see attachment. ) It is also reporting derogatory as a chargeoff, and " Comments '' are misleading, at best. While one comment states " balance owing '', another comments states " ... ENTIRE PAYMENT SCHEDULE COMPLETED FOR TERMS OF AGREEMENT. '' The fact that this account is reporting as Open with a balance and high monthly payment is going directly to my Debt to Income. That coupled with the fact that it is also reporting derogatory as a Chargeoff is causing me to be denied credit and has cost me thousands over the years in high interest rates. I am demanding that XXXX take care of this matter IMMEDIATELY.
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX, I submitted complaints requiring an error correction to inaccurate payment allocation toward late fees of {$11000.00} stated in lines 81-86 of an internal account history provided to me first XX/XX/XXXX to which Nationstar claimed by counsel they updated XX/XX/XXXX and did not. This matter is a matter of inaccurate data entry indicating a false claim I made 196 late payments by inaccurate payment allocation. 

Both times, I filed my complaint to you, Nationstar and their counsel never responded and 12 USC 2605 prohibits Nationstar 's failure to correct errors in payment allocation, to which directly and negatively impacts my ability to apply for a residential loan, with outrageous claims by entries in lines XXXX that Nationstar accepted {$11000.00} for 196 late payments, which is entirely untrue, as they originally over collected {$2800.00} which should have been {$1500.00}. 

Their failure to correct the error is causing a new Motion to Void in XXXX XXXX XXXX XXXX, to which I could barely afford to file in CJ XXXX, attached is the pleading and evidence and the XX/XX/XXXX allegedly updated account detail report that concealed an update wasn't made that doesn't appear well in the pdf of what was filed, that after I filed a Notice of Error on XX/XX/XXXX, they refused to correct the error and still refuse to make legally required corrections to final payment allocation data entry in their internal account history, choosing to cause further litigation in the matter.
Product: Credit card or prepaid card

Comenity Bank close 3 of 4 card for me claiming it was because of security issues, please explain why one account is still active and Im the same person this makes zero sense. I provided and required documents. I attached screenshot of the account that is still open and the others that was closed. I also call them to update my address on the active account and they refused to change the address, Im XXXX XXXX in the military and for the pass 6 months Ive been moving a lot for training. Why cant I update my address on active account or set up online account to my payment to my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that Midland Credit MGMT INC pulled a HARD inquiry of my credit report on XX/XX/2019. ( Report Number : XXXX Date Generated : XX/XX/2019 ). I have not applied for credit anywhere or have any business with Midland Credit MGMT INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX : website does not offer additional login security, two factor authentication or other.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

I am going through bankruptcy and I am trying to rent the house, like I told the court I was going to do- otherwise I will lose my house. There was bad damage caused by vandalism and I filed a claim with XXXX. They paid the Loan Servicer money for the repairs, but the servicer refuses to release the money. There was a second claim filed with the lender place policy, by the bank for further damage, but they denied the claim. I filed a claim and they have ignored my repeated calls. I have been getting the run around about this money for nearly 2 years. I am in foreclosure and bankruptcy, if the bank continues to ignore me and refusing to release funds issued for repairs, I will lose my home. Please help me. They have had me resend documents, in order to release the funds SEVERAL times. They keep asking for the same documents, claiming they were not received or something is missing.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to view my credit report on this company 's website or on my annual free score. I have also been disputing incorrect information for three years and this company keeps saying they have verified the account but the report that the company sent me in the mail shows the same errors. I uploaded my exhibits with this compliant.
Product: Debt collection

Trident Access Management was sent a letter from me requesting debt validation for account # XXXX ; along with a contract between them and me. They returned a contract between an original creditor who never informed me that the debt nor my personal information was being sold. There is no contract with my signature on it between myself and them.
Product: Debt collection

I checked my credit report and notice two collections accounts from AWA collections. 
I tried to call AWA collections, but was not able to speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXa was given an option to settle the account off by XX/XX/2018in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX outsources ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX  when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.
Product: Credit reporting or other personal consumer reports

Some of the names are spelled wrong this is not my name