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

I have ask over and over for XXXX thru disput thru letter to Investigated and Re-investigated Midland Credit I so as well keep ask Midland Credit thru letter to provided me proof of this alleged items specifically the Original contract, note orinstrument bearing my signature and both XXXX and Midland Credit both fail to provide proof of any documents to me I'm aware section 609 requires them to provide me with a contract bearing my signature. Failing that the item must be deleted from the report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened in XXXX but they keep putting random dates to keep it active on my credit report. TRANSWORLD says the account was opened in XX/XX/XXXX. I have sent to XXXX and XXXX multiple times for dispure, and also to a private organization called XXXX XXXX in XXXX of XXXX. It is resolved for a day or two then they report a different date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} B XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 disputes online through Equifax regarding and unauthorized hard inquiry on my credit from the department store XXXX XXXX. I have a letter from the actual store saying they made a mistake and they will remove this from my credit and yet Equifax does not reach out via email or phone to follow-up and ask for supporting documents and they close my dispute saying everything looks correct. I have been calling Equifax to dispute this over the phone and every time I do, they always say there system is down to call back in 30 mins to an hour! I tried sending a fax with this prove that this hard inquiry should be removed from my credit report and they do not do anything about it! I tried reaching to XXXX XXXX and they say it could take up to 30 days but it never gets removed and this was a hard inquiry made in XX/XX/XXXX! XXXX XXXX letter is dated XX/XX/XXXX and we are now in XX/XX/XXXX and this is still showing on Equifax credit report!
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/year>. Since then the account has been reportedly updated as charged off every month. This is an update in payment history. A charged off account should not include an active Payment history. This inaccurate information Falsely manipulates the Statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : EXETER FINANCE LLCXXXX
Product: Credit reporting or other personal consumer reports

Since last XX/XX/2023, I have tried to solve a problem with an account called XXXX, which unfortunately the experian company has repeatedly completely abused the information it must present as a credit agency. 

On repeated occasions I have requested that the information they are sharing in my credit report regarding this account is inaccurate, so I have demanded that this information be modified, and deleted from my credit report. but I have not had any satisfactory response from them. 

I have made this dispute more than 5 times demanding the same information, and the experian company only sends a report to before 30 days explaining that the information is verified and confirmed and as it can be shown in the attached documents this information is not accurate and corrected so I ask that some action already a little more severe be taken regarding this company. 

I have too many disputes trying to solve this problem with my account, demanding that the experian company please verify the disputed information and do not share information saying that the information was verified and authenticated when reviewing the attached documents you can see the inaccurate or incomplete information.
Product: Credit card or prepaid card

My credit card account was closed and when I called to speak to capital one to ask why they said it was for too many return payments, I explained to them that the last 5 month my account has been active and up to date sometimes even paying off the balance in full also at the time of the return payments my account was already up to date with monthly payments I was just attempting to make a extra payment I also explained that I made the payment but never made it to my bank to put the cash in because I had to go to work so I just simply cancelled it and attempted the next day. Didnt think my account would be closed for this especially when I have been on time and accurate with all payments prior. So I was told an account cant be reopened and I should apply for a new account, so they run my credit again I got approved for a new card account and then after receiving it in the mail a day later that account was closed they said in association to the other account when I was just following there advice. So now after filing bankruptcy last year and starting to reestablish my credit I now have a closed account with a balance now and a brand new account that was closed right away. I believe I was treated unfair.
Product: Student loan

I graduated college XX/XX/XXXX/XX/XX/XXXX. In my entire college career I only took out XXXX loans, each for {$5500.00}, totaling {$11000.00}. With the exception of 1 year differed, I paid on the loan from graduation until somewhere around XX/XX/XXXX. In about XX/XX/XXXX, I was contacted by Citibank, that to avoid a serious increase in payments, due to a change in the law, I needed to consolidate my loan, which I did. Sometime in and around XX/XX/XXXX, I stopped to pay attention to my loan. Again, the orignial amount was only $ XXXX, I had been paying around $ XXXX/month for 7 odd years, yet the statement was saying I still owed $ XXXX. Something did n't make sense. I called Citibank informed them that I believed there was a problem with the accounting on my account, that I did not believe I still should owe any money and requested a full auditing of my account. I was sent some paperwork, but there was no auditing done on their end. I called to question this, and was told that Citibank sold my loan. Since then, I 've requested proof that I owe any money from every single collection agency that it gets purchased from. Every single one refuses. I tell every single one that I do not owe ANYTHING, and if they believe otherwise, they are going to have to prove it. Shortly after, my loan gets sold everytime. I have been a stay-at-home mother since XX/XX/XXXX. All income earned in the home is my husband 's. Yet, our XX/XX/XXXX taxes were withheld in the amount of approximately {$1600.00}. We filed a hardship, and they still kept about {$800.00}! Now, I 'm getting collection calls, AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Acct # XXXX amount XXXX XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all other address attached
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$95.00} to a person that cleans my XXXX because I live in New York at the moment. I have sent him {$95.00} to clean my place before when it needed. This time I sent him {$95.00} to clean and he said he could pick me up from the airport. He asked for {$10.00} more dollars which you can see, I have done in the past instead of calling an XXXX. I land in XXXX, and he is not there. I call and call he never answered or answered any of my texts. I waited for an XXXX  then got an XXXX. I get to my place and it's a mess. He had not cleaned a thing. I immediately contact Cash App to let them know I have been scammed and they do NOTHING. 
They just kept telling me that there was nothing they could do because the transaction was complete and to ask for the the whole time I was in Kentucky and he never showed. I am XXXX  at XXXX XXXX in XXXX New York. Cash app hasn't even contacted this man to retrieve my money after all the evidence I have given them. It's like they are an accomplice to this crime. Then on XX/XX/XXXX someone got into my Cash App account and unlinked my bank account which worries me a lot. I told them and still have done nothing!! Today i got notification of another account being unlinked from my bank account. This all started with the negligence of Cash app not taking the proper steps to secure my money. The only reason i have not closed my account is because I refuse to let Cash App and this man steal my money!! They are the ones that decided to start a company like this, they can't just set back and allow people to get scammed and they take no action. I am getting a lot of suspicious phone calls and emails from all over the world all of a sudden and none it started until I started dealing with Cash App and this claim. I will upload all the statements and text message to this scammer. This has taken up so much of my time and feel that this company has no integrity to allow people to just scam and steal from people. If nothing happens with this trust me karma will find you. Cash app better hope no one breached their system. Why can't they tell me why someone unlinked my account?
Product: Debt collection

I have a XXXX balance receipt from XXXX XXXX from when the account was settled via payment and ADA laws. I have attached my final receipt from XXXX XXXX. Please remove this forthwith from my credit reports You have 100 % left to pay on this collection.

Balance {$340.00} Highest Balance {$340.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX XXXX Creditor Information NATIONAL CREDIT SYSTEMS INC
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 Balance : {$290.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$1500.00}
Product: Checking or savings account

Hi, I opened an account with Citibank and my debit card didn't arrive. So I requested another one but explicitly stated, about four times, NOT to overnight the card. Citi did it anyway, and charged me {$13.00}. I contacted a chat rep who waived the {$13.00}, but an overdraft fee was charged in the amount of {$34.00}, which the rep said he was unable to waive and to call Citi. 

Here is a timeline of events that followed : XX/XX/XXXX - requested new debit card from Citi, requested specifically several times in no uncertain terms do NOT overnight the card. Agent overnighted it anyway, charging {$13.00} - account {$12.00} overdrawn XX/XX/XXXX - contacted rep requesting refund for {$13.00}, refund granted XX/XX/XXXX - overdraft fee is charged for {$34.00}, dated XX/XX/XXXX. 

XXXX XXXX Contacted rep online, could not refund overdraft fee as system denied request. Advised me to contact Account maintenance team who would have the option of listening to the original call - gave number XXXX XX/XX/XXXX - called agent to waive overdraft fee. Submitted request, said wait 2 days to see result XX/XX/XXXX - no fee waiver granted, no communication from Citi Escalating to complaint with CFPB
Product: Checking or savings account

I was the victim of an elder scam. The scammer illegally tried to move my money from XXXX of XXXX checking accounts to another XXXX of XXXX. A fraud claim was filed. 3 of those accounts are not my money. Two are XXXX accounts where I am Trustee. The third was is the account I established for a XXXX beneficiary of one XXXX account. After the bank used the money in XXXX  of my XXXX accounts to satisfy the loss from the fraud, it made it impossible for me to pay my everyday expenses like rent/maintenance. Thus while my pension goes in to the only account which is my money, I am unable to use those funds to pay bills. I must have some form of access to this account - the only one handling my money. I will replenish the funds the bank took out of the XXXX account by next Tuesday, XX/XX/XXXX. Funds from dissolution of an asset could not be transferred into my personal account so a check will be sent to me for manual payment.
Product: Checking or savings account

I had a buisness acct w chase for 4 years. I got a tax refund from irs I deposited they flagged it as fraudulent so they closed the acct and are still holding the funds even though I went to chase and proved check was legitimate Its been almost a month and they are still holding funds my business is about to close I cant pay rent
Product: Mortgage

Long story short : The mortgage servicer is receiving payments and this can be proven by HAF and they are not applying them. The award was in XXXX of 2022 and only one payment has been posted that was HAF. The rest of the payments were made by us struggling to do so. When confronted about it in a previous CFPB claim, the company stated : " Our Corporate Office received notification from an unauthorized third party that they were receiving checks in the mail from the HAF intended for our office. We have confirmed that the address being used by the HAF to send funds to us is incorrect. Our records show we have reached out to the state of Florida assistance programs to confirm the correct address to send payments to us, as well as to confirm your participation in the program in order to investigate your assistance payments, but as of the date of this letter, we have not received a response. Please note, the correct mailing address for payments from the HAF is : XXXX XXXX XXXX XXXX TX XXXX As of the date of this correspondence, your loan is current and next due for your XX/XX/2022 payment in the amount of {$2000.00}. '' This is absolutely incorrect and false information. There is no way this information can be factual because of the fact that the mortgage servicer has POSTED XXXXXXXX XXXX payment from HAF. The mortgage servicer also complains that HAF are " hard to reach '' and they " can not get ahold of them ''. Well this is because the mortgage servicer, Dovenmuehle is doing as little as possible to get anything accomplished. I picked up the phone and dialed the HAF call center number and immediately got connected. I had the HAF representative VERIFY not ASK me for the correct address. The address she provided was not only what Dovenmuehle is stating needs to be the correct address but is also what is on the XXXX statements that Dovenmuehle sends monthly. 

Dovenmuehle, please understand that we are in our final days of fighting the battle with you. IF you do not do something promptly about this concern, we will be taking you to court and suing for more than the allotted HAF award money. We are prepared to win. Please also be aware, we have many people in a group that all have their loan serviced by you and have the same issues. We are prepared to take this class action and are actively talking with a real estate attorney that is more than happy to take this concern seriously in court. Please be prepared to actually solve this issue, I do not want to hear a single excuse in the reply to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making payments to pay this amount I owe I should have not still have a bad negative on this report I am making my payments on time please check this out thank you mr XXXX
Product: Credit reporting or other personal consumer reports

Stating that theres an eviction on my record but count states I do not and credit report states there no Public records
Product: Credit reporting or other personal consumer reports

In accordance with with the Fair Credit Reporting Act this creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to ne as a consumer with regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states | have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 

15 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

RE : Misleading offer from UMB Bank Visa Signature Card.

Offer States : " 20,000 bonus point offer when you spend {$1500.00} in the first 90 days of opening your account. You may even choose to redeem your 20,000 points for {$200.00} cash back or use it for other great rewards! '' Does not state in offer any delay in having points credited to your account for redeeming the reward. Other credit card companies apply the points to your account upon your monthly statement when qualifying for the reward. 

I did contact by phone UMB Bank and was told they did not have a rewards department or contact person and that any qualifying points that I was entitled to would be delayed from being added to my account after 90 days and one to two billing cycles of the card. This wasn't specified in the written promotional offer, making it impossible for any cardholder to be aware of the delay in receiving the bonus reward. 

I made numerous phone calls over a 2-day period ( XX/XX/2019 & XX/XX/2019 ) to have my reward points applied to the credit balance on my account only to be mistreated and given a vague response. 

Please note the offer states " WHEN '' I spend {$1500.00}, which means at that present time qualifying for purchases of {$1500.00}. UMB Bank is not abiding by the terms stated in the offer.
Product: Credit card or prepaid card

I had my bank of America, prepaid debit card stolen, along with all my personal effects, on or around XXXX 2020.My identity was stolen and used to steal money, from my account.i contacted bank of America and they froze my account.at that time I was going thru a major hardship, going out of business, but when they froze my account, it put me into official homelessness, I also had a psychotic x-girlfriend and her minions apparently whent on a spree for over a year, somehow using my personal information to drain me .I lost everything and struggled to survive day by day, by the time I was able to get myself on my feet, and even think of anything normal again I checked into my account and saw many thousands were spent so I made a claim with bank of America, and they denied my claim, so I persisted and showed evidence on my behalf and they then saw it in my favor, I was sent approximately XXXX XXXX.a few months passed and I checked on my accountant they told me I had to file another claim to get reimbursed, idid, I was denied again.so I persisted more and they saw the claim in my favor, I was issued {>= $1,000,000}, .apparently my claim was broken into several different claims.i still have 3 more claims ( XXXX ) $  {$8200.00} ( XXXX ) {$8800.00} ( XXXX ) $ XXXX.im tired of getting denied when all these claims should have been resolved in my favor since the first one was turned over.? can you help me get bank of America to stop playing games and causing massive stress when I can't get reimbursed and I have go thru this unnecessary process of having to fight for my claim when the first claims were denied then seen in my favor they are all the same claim and I don't have the time or knowledge of how to deal with this confusing mess ... I need help can I please have you contact boa with a complaint... or will I have get a lawyer and sue.? I don't even want to cause problems but I'm sure they don't deal with homelessness and going hungry if I can't get a resolution I am expecting after my claims get reconsidered in my favor for good reason, I just want fair reimbursement, without having to fight for what has clearly been agreed upon by the bank and i. I have gotten no explanation for why they deny, but I don't need one I guess... I want my life back and my claim can get me back to a place I can live my life and not possibly die on the streets XXXX me thank you... Sincerely bank of America customer.
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 NUMBER : 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. XXXX 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 : XXXX XXXX Account Number : XXXX