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

I have made many attempts to dispute the incorrect late status in XXXX and XXXX of the Department of Education accounts. My accounts has never been late. They have always been in deferment or 0 payment on the IDR. Please assist me in getting these derogatory reporting from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX  and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.
Product: Bank account or service

I bank with chase, checking account since 2010. About 3 months ago I was charge a NSF for a transaction I made a few hours Pryor to my direct deposit posting, which they post the same day. The CSR explained that he was unable to credit me back the NSF charge. So, I advise the CSR to take off that option for overdraft protection. He stated that he will remove and said that if funds are not available any charges I 'd make will be declined. I agreed to that. Well here I am 3 months later ... .made some transactions and went to check my account on payday I was charged XXXX NSF of XXXX each ... .My mouth dropped. I called chase bank and explained that I spoke with a rep 3 months ago to have over draft taken off. The CSR stated that It was n't off and she can not credit my money back. She said she will forward the information to her manger and they will review the call and give me a call back. Well its been 2 weeks, still waiting on the call and my money. What are my other options?
Product: Credit reporting or other personal consumer reports

XXXX / XXXX ACCT. NUMBER XXXX DATA BREACH, IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. please remove this account from my report, they are hurting my ability to obtain credit.
Product: Prepaid card

Direct Express is refusing to allow me access to my money due to a error on their part. 

Last week I had to verify my identity by sending them my ID and answering questions.. upon unlocking my account... ( during the same phone call that I verified my identity ) I updated my information. ( Phone number, email & address ) The representative told me my information had been updated and I could use it to access my account next time i call. 

This week my account went back in the fraud department due to my error of keying in the wrong information during a call. Once transferred me to the representative ( fraud department ) I gave them the information that I updated the last time I verified my identity. 
They said wrong information you have to send us your ID.

I let them know that it was the right information and there's a system error and I wa n't to have my last phone call when I verified my identity reviewed because I updated my information during that call as well.

They're refusing to review the call. And refusing to check the system for errors. And refusing to allow me access to my XXXX payment from the federal government. Due to their error I'm currently homeless sleeping outside, without the proper weather gear in XXXX and I felt like I was XXXX XXXX XXXX last night it was so cold. This is literally a life or death situation. 

I have done everything right on my part I should not be restricted from accessing my funds. That's illegal to do that. I'm headed to the federal courthouse to file a lawsuit against them. This is not the first time they have done this.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX never received any notice of statement before XXXX  days of the due date from oppurtun/progreso # XXXX. Can the creditor please show proof of the statement delivered to me. If proof can not be obtained please correct/Delete unaccurate information being reported.AS stated in 15 u.s code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Product: Credit card

I have always ensured payments on this account are made on time, preventing any from becoming overdue. I'm unclear about why there are reports of late payments on my accounts. Per 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

I received a bankruptcy discharge in XX/XX/XXXX. In XX/XX/XXXX, Receivables Performance Management opened a collection account, reported to the 3 credit bureaus, to collect a debt discharged in my bankruptcy in XX/XX/XXXX. I have contacted the company 3 times, each time having no record of be submitting the bankruptcy information the previous time. The collections account appears as delinquent on my credit report, affecting my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX, ACCT # XXXX, ACCT # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I contacted somone who advertised a house in XXXX XXXX, CA on XXXX website. He gave me the address, I checked to location and neighbourhood, I didn't check inside the house because it was occupied by others. I liked the neighbourhood and we agreed that I will occupy the house on XXXX of XXXX. We also agreed that I will pay on zelle, he gave me the lease contract, and I paid. Then I went to the house on XXXX of XXXX at XXXX XXXX, wait for him for 2 hours he didn't show up, I tried to contact him, he didn't reply may emails and text. I contacted Zelle, they send me to the bank, I contacted my bank XXXX XXXX, they said because I authorised the transaction they can't help me returning the money. They said they will do the investigation, but they didn't send me any mail about this. The scammers were two, a lady who is the owner of the property, she contacted me, we had a call and a realtor who was like managing the property for the owner. I paid the owner. I also contacted XXXX which the scammer uses, but they didn't take my call, send them an email but they didn't reply to me. I felt helpless as an international student in this great country. I lost $ TheXXXX
Product: Mortgage

Someone took out a fraudulent loan against my property in XXXX of XXXX {$5400.00}. The loan was never repaid so a lien was placed against my property. The original company XXXX XXXX has gone out of business. Since then West Coast has picked up the debt attaching their name on to my title. I addressed this years ago during the purchase of my home. At the time, the 3 credit bureaus removed this from my credit. I thought this was resolved, until i placed the home for sale. The closing attorney notified me. I have been in contact with XXXX asking for documents. The only thing they sent was the demand letters, and the contract from XXXX that was singed fraudulently. All but one of the documents provided where mailed to XXXX XXXX XXXX, which I moved from in XXXX. They know that I am in the process of selling the property so they have requested a payment of {$26000.00}. I offered them {$3000.00} just to move on with the sale of my property. XXXX is not trying to work with me. I have filed a police report as they instructed. Now they are asking for me to share with them my HUD closing documents. I feel i am being exploited. I have spoken with so many different agencies regarding this. Everyone is giving me the same advice, " This should be removed '', but no one is enforcing it. My home sale is due to close on XX/XX/XXXX. I can not move forward with this pending. PLEASE HELP ME. How is this legal?
Product: Mortgage

In XXXX I was granted a XXXX  XXXX ( case # XXXX ) which included a modification with a trustee. The modification would have lasted until XXXX, but in XX/XX/XXXX I paid what I thought was my last payment towards ending the XXXX  XXXX early release, as we all know Covid 19 happened, And I couldnt get discharged unless my income taxes were up to date. At this point the IRS offices were closed, and I couldnt get the money properly credited to the years XXXX. When the IRS offices finally opened in XXXX, I was audited for year XXXX which I then resolved with the help of my CPA and the IRS agent. At this point, The United States bankruptcy court Middle district of Florida XXXX Division, and the trustee where both aware of this. I then called HSBC banks mitigation department and they had advised me that I could start paying the modification amount to reinstate my loan. At this time we agreed to a 3 months forbearance, which I upheld the terms to the agreement of the 3 months forbearance and I made my payments until HSBC Bank Stoped taking my payments on XX/XX/XXXX. HSBC bank then advised me that they had stop taking my payments because they were going to accelerate my loan. I tried to reach out to HSBC Bank because I did not agree to their decision to accelerate my loan but to no avail, I then hired a lawyer to assist in communicating with HSBC Bank regarding my mortgage and after more than a year of going back and forth, the only resolution HSBC Bank offered me was money to take my house back. I did not agree with this since it was HSBCs decision to stop taking my payments. This is the same thing they did to me in XXXX, which was what forced me to filed a XXXX  XXXX in order to stay in my house. I feel that they ( HSBC ) has been un fairly attempting to get me out of my house without any probable cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has been trying to collect a debt from XXXX and I keep sending letters for them to validate the debt and they wont send the original contract with my signature. It is not my debt and I am filing a complaint for insufficient validation.This took place on XX/XX/2018 in the amount of {$2000.00}.
Product: Mortgage

I am trying to short sell my home, my servicer is Select Portfolio Services ( SPS ) the servicer sent an FHA appraiser to my home and the result was the retail value of my home is {$150000.00} I have a contract for sale for {$150000.00}, that 's {$5000.00} more then the retail value of my home, In short selling my home i was hoping to receive the {$1000000.00} relocation money to move. however the servicer told my Realtor that I would get any relocation money because i have Mortgage Insurance on the loan. They denied the short sale and gave no reason they just stated " that this option is not available at this time ''
Product: Credit reporting or other personal consumer reports

Was reported by XXXX and XXXX on XX/XX/XXXX and reported to Equifax on XX/XX/XXXX which is inaccurate information. The creditor type is also reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX XXXX ( Account number XXXX, Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX ( Account number XXXX, Opened XXXX XXXX, XXXX, Credit limit {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$980.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$940.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

Thursday, XX/XX/XXXX Reason : Case XXXX Charge amount : {$5300.00} Date of Charge : XX/XX/XXXX Merchant : XXXX XXXX XXXXXX/XX/XXXX I spent several hours on the phone booking a trip to XXXX XXXX XXXX XXXX They were unable to accommodate my XXXX XXXX request because the resort was not going to open until late XXXX. We booked it for XXXX XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX stating that I was to contact them immediately because the resort was not going to open until XXXX XX/XX/XXXX. I was on the phone for several hours and the trip was rebooked for XX/XX/XXXX. 

On XX/XX/XXXX, I received another email stating that the resort opening was being postponed again until XX/XX/XXXX. I stated that we wanted a refund because we had to travel by the end of the year. They convinced me to rebook by offering {$880.00} in resort credit. We rebooked the trip of XX/XX/XXXX, again spending a few hours on the phone. 

On XX/XX/XXXX, I received another email specifying that a PCR XXXX test is required to travel and must be done within 5 days of travel. I researched the test that could be completed within the 5 days of travel. The XXXX  tourism board recommended the XXXX test. I purchased the test kits on XX/XX/XXXX at the cost of {$240.00} XXXX my expense ). 

On XX/XX/XXXX we took the tests via XXXX and sent the samples to XXXX by XXXX XXXX. On XX/XX/XXXX we received XXXX test results via email from XXXX. 

On XX/XX/XXXX, I called Capital One credit card services to discuss the cancellation options. I was told by your representative that I could cancel my trip and get a full refund because they did not open the resort in a reasonable time. 

On XX/XX/XXXX I called XXXX  to discuss the options. They told me that I must schedule my trip or it would be cancelled. I told them what Capital One said and they said you most rebook now and I said that was not possible. We had no symptoms of XXXX and taking another test in the future at another cost of {$240.00} was unreasonable, as we XXXX never test negative. Sandals stated that my reservation was cancelled and no refund would be made. 

On XX/XX/XXXX I called Capital One and discussed the situation with another representative and they said that there was no problem and they credited my card for {$5300.00}. 

On XX/XX/XXXX my card was rebilled for {$5300.00}. I called Capital One again and was told by a representative that the merchant disputed the chargeback and Capital One was mailing a letter on how I could file a written dispute which I received on XX/XX/XXXX. 

I did everything I was told to do and this letter substantiates my claim that I did not receive the services that I purchased. Please credit the amount of {$5300.00} to my card. 

I have attached my receipt for the purchase and a copy of my cancellation as requested. 

Thank you XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit, and everything was fine until now. I even tried refreshing the page, thinking it might be a glitch, but the errors remained. I just want the documents I sent to be carefully reviewed so I can stop worrying about this issue.
Product: Credit card or prepaid card

I had booked and placed two cruise bookings on XX/XX/XXXX with a deposit of XXXX each on my Costco Citi Card. These bookings were for two cabins on XXXX XXXX for a 7 day sailing from XXXX to Alaska on XX/XX/XXXX. There were two charges on my credit card of {$350.00} because of the two separate cabins. In XX/XX/XXXX I cancelled one of the cabin bookings and received a credit on XX/XX/XXXX for my XXXX deposit. That left only XXXX cruise booking charged on my Costco Citi Card. 

Subsequently the XX/XX/XXXX cruise was then cancelled due to Covid. XXXX XXXX did not provide a full refund after they cancelled the cruise. Therefore, I filed two separate dispute to get a full refund for the cruise which was the XXXX deposit and XXXX cruise balance ( charged on XX/XX/XXXX ). I was successful in getting the {$2400.00} refunded but still have been unable to get the XXXX refunded from Citi. 

I first filed my dispute for the XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter erroneously stating that XXXX had credited my account for XXXX. I told them the credit was for a different booking. After numerous phone calls trying to have the dispute re-opened, they requested I file a new claim. I filed a new claim on XX/XX/XXXX. I subsequently was told on XX/XX/XXXX that too much time had elapsed between when the XXXX charge was made and the opening of the new dispute claim. 

Citibank made an error on my initial XXXX dispute sent on XX/XX/XXXX when they closed a valid claim on XX/XX/XXXX. Now Citibank is claiming I was late in making the claim when they were at fault for closing my valid XX/XX/XXXX claim. 

I have attached all the documents to provide a history of what has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I obtained Bankruptcy relief from this account. The bankruptcy was finalized and this debt was successfully discharged in XXXX XXXX 
The XXXX credit report is reporting this account as a bad debt/collection with a current balance due of {$2400.00}. 
I called the company and also disputed through XXXX and they continue confirming the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to grant my request. XXXX has reported 60 days late in XX/XX/XXXX to Experian and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information n there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from XXXX and Equifax stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on Equifax and XXXX, there's a XXXX XXXX ( Equifax ) and XXXX  ( XXXX ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
Equifax is reporting a XXXX acct and that acct also does not belong to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my [ Experian, XXXX and XXXX ) credit report and I notice some late payments posted on my credit report : I Have Never been late on this Account XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting

on my account. If you cant supply this please delete this alleged late payment from my credit report per 15 USC 168 1B. Your company is in clear violation of the law. Under 15 USC 168 1B -permissible p
urpose of consumer reports. 
Delete the above late payments from my credit report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : Defamation of character Negligent Enablement of Identity fraud Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Bank Of America about a credit card account which was deactived by them which i was aware of. A month or two later they reactivate my card without my knowledge of it being reactivated and it became late and turned into a charge off and a collection. 
I paid the charge off. I had a good payment history with them since 2005 and explained to them that it was hurting me financially by being on my credit report. What makes this a unfair credit practice is the rep who I spoke to on the phone said they could not remove it and it was solely in the hands of the credit bureaus to remove the charge off and that they had no control over removing the item which reports on my credit report. It is sad they are not held accountable because when you call them they say it is on a recorded line and she intentionally misinform me that Bank Of America had no control over the out come or the removal of a item on my report. Is It ok to tell your customers that Bank Of America does not have the power to correct an item on a credit report.