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

On XX/XX/2022 I submitted a help request to XXXX because I could not log in to my account and access my funds. They then sent me a re-verification email asking me to provide an ID verification. I sent a copy of my US passport. 

On XX/XX/2022 I asked if there was any update on my case. They replied that they were working on my issue. 

On XX/XX/2022 I received an email that my account was being closed. There was no mention as to the reason or that my funds would be returned to me. They simply sent a link to their policies. 

After reviewing the policies, I was not in violation of any of them. Calling their number ( XXXX ) says to email XXXX. After emailing them, they said that they can not give me a reason as to why and will not confirm that my funds will be returned to me. 

I had over {$1000.00} in my account at the time of cancellation. I have not been able to access my account since XX/XX/2022. It was closed without warning or without clear indication my funds would be returned.
Product: Debt collection

2 years ago I had to pay off debts to get my first house. I called they stated to me that if I paid in full that would delete the credit file on all 3 credit reports which they didn't and its holding out family back from buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few Accounts reporting on my credit report that I am not familiar with
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccuracies in My Credit Reports with Equifax, TransUnion, and Experian To Whom It May Concern, I am writing to formally request an investigation into multiple inaccuracies on my consumer credit reports maintained by Equifax, TransUnion, and Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in credit reports. However, I have identified several discrepancies that are negatively affecting my credit profile.

The issues I am disputing include : Last Date of Activity The reported last date of activity for certain accounts is incorrect and does not reflect my actual transaction history. 

First Date of Delinquency The first date of delinquency on some accounts appears to have been altered or inaccurately recorded, which affects the timing of negative marks on my report. 

Account Status Some accounts are reported with an incorrect status ( e.g., showing as open when they are closed or vice versa, or inaccurately marked as charged-off or in collections ). 

Comments and/or Remarks Additional comments or remarks have been added to some accounts without proper justification or explanation.

Balance The balance amounts listed for certain accounts are not up to date and do not accurately reflect payments made or account adjustments. 

These inaccuracies violate my rights under the FCRA, which mandates that credit reporting agencies maintain fair and accurate consumer information. Per 15 U.S.C. 1681i ( a ), I request that the CFPB investigate these matters and ensure that Equifax, TransUnion, and Experian correct any errors immediately.

I have attached supporting documentation, including copies of my credit reports with the disputed information highlighted, correspondence with the credit bureaus, and any additional evidence relevant to my claim.

I request that you take appropriate action to ensure my credit reports reflect accurate and up-to-date information. Please provide me with a written response regarding the results of your investigation. If the inaccuracies are not corrected, I may explore further legal remedies to protect my rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello there, to whom it may concern I have noticed some inquiries on my credit report that do not belong to me. I would like to report and dispute these inquiries. Could you please assist me in resolving this matter? ''
Product: Credit card or prepaid card

Citi Bank applied Payment Safeguard to my account with any permission to do so. I called about the fee once a couple years ago and was falsely told that it was a required fee as I had a balance. I recently called again after being informed that it is not required, the customer service representative cancelled Payment Safeguard, and informed me that if I did not sign up for Payment Safeguard I should be refunded for all of the charges. I never signed up for Payment Safeguard, and never would have if offered. 

A few weeks later Citi Bank sent me a letter telling me that I was not due a refund because it is an insurance policy and that you can't cancel it later if you don't need it. 

This has cost me thousands of dollars on an account I have been working to pay down. Almost 1/3 of my monthly payment was taken and put towards this service. I have paid my account every month without fail, and not even a single late payment. This service should never have been applied to my account.
Product: Debt collection

I received an alert XXXX/XXXX/18 about a change in my credit report, a collection account had been added/opened. I had no idea what or why this came completely out of the blue. I called XXXX XXXX XXXX XXXX ( Listed as the creditor on the report ) on XXXX. Got the run around, requested proof of what they are claiming. Original creditor listed as XXXXXXXX XXXX I have had XXXX XXXX the past 6 years and am not aware of owing anything. Enhanced was unhelpful and rude when I called, this is clearly a scam to extort money holding your credit score XXXX. I have sent a letter to them demanding proof and requesting this be removed immediately from my credit report.
Product: Credit reporting

Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XXXX. XXXX XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

In early XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian in late XXXX XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XXXX XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX Bank eliminated the monthly obligation and updated the status to a charge off as of XXXX XXXX. 

Now my credit report says I have a RECENT LATE as of XXXX XXXX - but the last time I was late with payments was XXXX XXXX. Compass recent reporting of my charge off occurred in XXXX XXXX and their adherence to this date makes lenders and other affiliates assume I was recently late on my obligations. But as you can see on the evidence provided I was NOT late on any payments in XXXX XXXX. ( I have n't been late on any payments since XXXX XXXX. ) How could I be late on an account that has been closed since XXXX? XXXX wrote that the balance is past due as of XXXX XXXX but I was 120 days past due from XXXX XXXX. 

I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per Experian my Time Since Negative is XXXX years ( point one years ). Please help. I have n't been late since XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XXXX XXXX. 

Thank you kindly. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account ending in XXXX. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXX as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to CAPITAL ONE over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, CAPITAL ONE should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, CAPITAL ONE has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " XXXX XXXX XXXX XXXXXXXX XXXX '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. CAPITAL ONE has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. Use the Principal 's interest to settle the alleged debt and return the payments made by the agent back to the agent as outlined in 15 USC 1615. Remove all the derogatory information from the Principal 's ( XXXX XXXX XXXX ) consumer report. Capital One 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Product: Credit card

I attempted to make the minimum payment to my credit card company. Somehow the payment was entered as the entire statement balance which I can not afford and will cause severe financial problems for my family. I contacted the credit card company immediately when I read the confirmation email to stop the payment. The representative was extremely rude and unhelpful saying that there is no way the website could have an error and there is no way for them to stop the payment. I called back later and spoke with someone more polite who said there is no way to stop the payment and it 's in the disclosure - the teeny tiny print that no one looks at. I honestly thought I clicked minimum payment and can not believe that they wo n't reverse the charge. I 'm current and was even paying a week ahead of time. I called my bank to stop payment on the American Express payment and they will for XXXX bucks but it could happen after Amex charges me and then I am stuck with the massive charge that will cause my car loan, electric bill, gas bill, other credit card payment, water bill, car insurance, etc to all find insufficient funds in my bank account and I 'll no doubt get a {$35.00} fee for each instance that I can not afford to pay. I am absolutely dumbfounded that Amex ca n't work with me when a mistake was made and the result will be a financial nightmare for XXXX of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in two rounds of my FTC report and have accounts still remain and have not been fully validated. 
Transunion
Product: Debt collection

I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.
Product: Debt collection

Critical Resolution Mediation, LLC in XXXX, GA. 

This company has repeatedly called me at work to collect a debt not owed by me but probably owed by an individual with the same name and date of birth in another state. I am aware of this individual due to similar actions by other companies trying to collect debt from me. Sometimes they've paired the debt with my SSN somehow. In this case, they do have my last -4. This particular " debt '' has actually been passed around several companies in the XXXX area. 

The company also threatens to have me arrested over it. They call me at work, and are rude on the phone. Additionally, they have said the debt has no activity since 2010, which is beyond the statute of limitations in Arkansas ( where I live ). They have disagreed/lied about this when informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- I mailed a certified letter requesting validation to XXXX XXXX and XXXX XXXX . ( I have copies of receipts ). I requested proof that I was the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay. 
I stated that this was not a request for verification, but a request for validation. 
I requested the following : Agreement with the client that grants you the authority to collect on alleged debt Agreement that bears the signature of the alleged debtor where he/she agreed to pay creditor Date alleged debt became payable Date of original charge off or delinquency Verification that the debt was assigned or sold to collector I disputed with Experian credit bureau. They wrote back stating they verified accuracy. I sent another letter XX/XX/XXXX disputing inaccuracies, requesting validation not verification, was only sent verification again. I sent another letter around XX/XX/XXXX requesting Experian method of verification and they sent me a letter stating they previously processed a dispute and the credit grantor verified accuracy and they would not reinvestigate the same dispute at this time even though the information requested was not sent and according to the FCRA this is a clear violation. If the credit bureau can not validate the accuracy the account must be deleted from the consumer file.
Product: Credit reporting or other personal consumer reports

I am writing to request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). The account in question is XXXX, which you reported as a charge-off. 

Account name : XXXX XXXX XXXX Please provide the following information : The original creditor 's name and address.

The amount of the debt, including any interest or fees.

Documentation that verifies I owe this debt, including any agreements or contracts.

Any other relevant information that proves this debt is valid.

Until I receive this information, I request that you cease all collection activities related to this account.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

On or about  XXXX / XXXX /  XXXX    XXXX   XXXX  was instructed to lock a mortgage rate of  3.375 with 0 Discount points and one percent  origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up.     Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional  XXXX  dollars to close the loan in violation of the language in it 's own documentation.     I vehemently protested  XXXX   XXXX  's locking of the rates without clear instructions to  XXXX  and  XXXX  but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor.     I specifically told Navy Federal Credit Union I would not pay for  XXXX  's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to  bully  me to accept their higher terms. Furthermore, the  Credit Union  refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about  XXXX   XXXX    XXXX   when they had already published the letter.     Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial letter is dated XX/XX/XXXX and to update this file and still incorrectly report XX/XX/XXXX you exceeded the 30 days allotted for investigation and outcome from the original date of XX/XX/XXXX. I have disputed this account more than twice and the fact that there are 4 disputes and only two, ( dates XX/XX/XXXX and XX/XX/XXXX ), which are XXXX XXXX is proof you have violated my consumer rights. Experian has opened multiple dispute dates falsifying the original dispute dates WHEN THE DIPSUTES ARETHE SAME DISPUTE FOR CREDIT SYSTEMS! 
Report Number : XXXX Date Generated : XX/XX/XXXX, XXXXXXXX XXXX-REMOVED XX/XX/XXXX Reported XXXX XXXX : XXXX XXXX, XXXXREMOVED NOT REPORTED UNDER EXPERIAN DISPUTE CENTER Reported Number : XXXX Date Submitted : XX/XX/XXXX Inquiry Date : XXXX XXXX Estimated Resolution Date : XXXX XXXX ( HOW IS THE INQUIRY DATE AFTER SUBMITTED DATE ) Reported Number : XXXX Date Submitted : XX/XX/XXXX Account Dispute Modified : XX/XX/XXXX Reported Number : XXXX Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Date Submitted XX/XX/XXXX Inquiry Date : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX WE ARE NOW ARE ON XXXX XXXX DISPUTE CENTER Reported Number : XXXX Date Submitted : XX/XX/XXXX Date Generated : MISSING FROM DISPUTE CENTER Report Number : XXXX Date Generated : XX/XX/XXXX Report Number : XXXX Date Generated : XX/XX/XXXX XX/XX/XXXX ALLEGEDLY TRANSFERRED TO COLLECTION XXXX-REPORTED TO CREDIT BUREAUS REMOVED XX/XX/XXXX ADDED BACK XX/XX/XXXX INCORRECTED REPORTED AMOUNTS VIOLATING FAIR CREDIT REPORTING ACT XXXXCOLLECTION LETTER ORIGINAL AMOUNT : {$710.00} + {$11.00} INTEREST= {$720.00} XXXXUNSUBSTANTIATED typed letter of amounts, FAILURE TO PROVIDE PROOF, XXXX XXXX  RESPONSE TO VALIDATE DEBT LETTER BY XX/XX/XXXX WRITTEN XX/XX/XXXX INDICATED I OWED {$710.00} SUBMITTEDXX/XX/XXXX-REPORTED {$710.00} BALANCE {$760.00} XX/XX/XXXX REPORTING {$760.00} XXXX {$780.00} THEN REMOVE FROM EXPERIAN CREDIT FILE CAUSING A 18 POINT INCREASE XXXX {$770.00} ADDED BACK TO CREDIT FILES WITH A 3 POINT DECREASE WRITTEN DISPUTES TO EXPERIAN XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, VALIDATE DEBT LETTER ON XX/XX/XXXX ( WHICH I STILL HAVE NOT RECEIVE PROOF OF VALIDATION METHOD automated response or e-Oscar verification is unacceptable WITH VALID PROOF OF DATES AND INDIVIDUALS EXPERIAN SPOKE TO AND DOCUMENTS RECEIEVED THAT VALIDATED THIS METHOD ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EMAIL REQUEST XX/XX/XXXX. To falsely report there are 2 disputes when its the exact creditor and several more disputes than what is being reported.
Product: Student loan

I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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 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