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

I have disputed this problem several times with XXXX XXXX XXXX and the three credit bureaus over the past year with no results. I had two credit cards with XXXX  XXXX that I let get behind, but when my finances got better a few months later I called XXXX XXXX and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with XXXX XXXX that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
Product: Checking or savings account

A check was deposited into the checking account on XXXX XXXX XXXX all of the funds were available but Capital One has put a restriction on the account that does not allow the funds to be withdrawn, transferred or moved, and they have not explained why! 

The account is still restricted as of todays date, which is XX/XX/. I would just really like for the funds to be released to go ahead and take care of all my financial obligations.
Product: Debt collection

On XX/XX/XXXX I went to XXXX XXXX XXXX after calling in advance to find out what the cost would be to be seen by a doctor. I was given the cost and paid in XXXX installments. I have been receiving collection notifications in the mail for the visit on XX/XX/XXXX. I have called several time concerning this bill and after several unsuccessful attempts I was told by a manager that I was being billed for being treated by the doctor. I have been told that {$270.00} I paid was for the use of the facility and the collection notification I'm receiving is the cost for a XXXX treating me.
Product: Mortgage

This conventional interest only loan started at 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXXXXXX then Nationstar and then Mr. Cooper. I applied for a loan modification with Mr. Cooper after suffering a XXXX XXXX in XXXX of 2014. During the entire time period I also had several property damage claims that were sent to XXXX, XXXX XXXX XXXXXXXX and Nationstar totally more than {$25000.00}. All of the checks were signed by myself and turned over to the current mortgage servicer at the time. The mortgage servicers were supposed to sign and return the insurance money to me so that I could complete the repairs and pass their inspection. All of these servicers never endorsed or returned the funds so that I could repair the property. I believe that this was a conspiracy to defraud me by the investor, XXXX, XXXX XXXX XXXXXXXX Nationstar, and Mr. Cooper to bring about the foreclosure of my property. 

I have attached proof of my attempts to receive the insurance claim funds from the loan servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute, which by law should have been endorsed and returned to me to complete the repairs years ago. I believe that this is a conspiracy by all parties to force a foreclosure on the property. 

After I completed the COVID special forbearance, the investor should have approved a streamline modification to allow me catch up and reduce my payment. Mr. Cooper did not allow this option for this conventional loan. This would have allowed me to keep my home and keep their loan intact.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some charged off accounts and collections account also quite a few hard inquiries. According to the FCRA 15 USC and 1681b this company is violating my consumer rights. Charge off accounts : XXXX acct : XXXX, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct : XXXX XXXX XXXX, vehicle XXXX XXXX, XXXX XXXX Also hard inquiries that are not mines XXXXXXXX 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
Product: Debt collection

I have received a notice from XXXX XXXX about a inquiry that originated from Bank of America on XX/XX/2019 i then reached out to Bank of America attempting to find out what type of account or application this inquiry is in connection with i then learned it was Bank of America small business credit card team. I then spoken with customer service explaining to them that the account that was opened was in connection to a fraudulent application using my personal information that i was not aware of into XX/XX/2019.
Product: Student loan

navient claims that I have three loans with them, I do but recall having three loans with them and requested promissory notes. I want proof of the loans.
Product: Credit card

My debit card was lost and fraudulently used to take {$3700.00} out of my checking account over a two week period in XXXX, 2016. I reported the card as lost within two minutes after I realized it was lost. Citibank told me it would credit my account for the full amount while they did an investigation. It has now been four long months and I have not received any credit to my account, and I have not received anything in the mail regarding this dispute. I keep calling them to see why this is taking so long and I am getting very frustrated. Do n't use Citibank, they will steal your money and never give it back to you.
Product: Credit card

I spoke with a representative at Amex customer support named XXXX on XX/XX/year> to confirm that I would be receiving the {$200.00} statement credit after spending {$1000.00} on my card in the first 90 days as that was what the mailer said that I received when I signed up for the credit card. I spoke to XXXX today on XX/XX/year> who said she is a supervisor and was not assisting me and would not pull the notes from my previous call on XX/XX/year>. I also contacted the customer support center before that to also confirm that this offer I received in the mail was legitimate and they also confirmed several times to me that yes I will receive that statement credit as long I spend the required amount which I did. She confirmed to me that I will see that statement credit on my XX/XX/XXXX statement but I just received my credit card statement today and that credit is not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian,  XXXX , and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.   XXXX   said they will removed but still fail to do so. Experian and  XXXX  said they verified but the court said they did n't verified threw them. This item is not mines
Product: Credit reporting or other personal consumer reports

Last year XX/XX/year> I contacted you to dispute several debt collection accounts that still appear on my credit report. Pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. Several accounts appear to be reaged and appear more than once of my credit profile. These accounts should not be furnished as they are in violation of my consumer rights. According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. Also, I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my credit profile. Under 15 USC 1681 b : Permissable Purpose of consumer reports ( a ) in General subject to subsection ( c ) any cunsumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. NO WRITTEN CONSENT is equivalent to IDENTITY THEFT. Therefore, I request that you investigate and remove these accounts from my credit report within 30 days in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received information from XXXX stating that the information was accurate and I requested the information and I was not provided that information. I also contacted the XXXX Capital One regarding this matter and I have not received any information. Not only do I know that this account is fraudulent but not mine, because I have had an active account with XXXX Capital One already and it has just been upgraded to a SAVOR Capital One card as of this month. I contacted Capita One regarding this matter and I have been told by XXXX on XX/XX/XXXX that my account is in good standing and it was just upgraded to the new card. I have been dealing with this dispute for over a year and this needs to be removed since I have not been provided accurate in formation the last year. i have even sent this letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccuracy on XXXX Capital One Account Dear XXXX XXXX XXXX, I am writing to formally dispute the reported inaccuracy associated with my XXXX Capital One account XXXX which appears to be in collections under your management. My account is currently active and in good standing, and I have been notified that my XXXX Capital One Card has been upgraded to a SAVOR Capital One card. 
Despite this upgrade and the positive standing of my account, I have received information indicating that it is being incorrectly reported as being in collections. This discrepancy is concerning, and I would like to resolve it as quickly as possible. 
Please provide me with the following information to clarify this situation : 1. Verification of the account status and any outstanding balances.

2. A detailed explanation of the circumstances leading to the collection report. 
3. Documentation supporting your claim regarding the collection status of my account.

I appreciate your prompt attention to this matter and look forward to your response within 30 days. If this issue is not resolved, I will consider further actions to protect my rights.

Thank you for your cooperation. 
Sincerely, XXXX XXXX, ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, In XX/XX/XXXX, I disputed a collection account on my Experian credit report. 
Dispute # XXXX Experian notified me of the results of the dispute on XX/XX/XXXX. They deleted the collection account from the original debtor was XXXX XXXX but had been sold to XXXX XXXX   XXXX prior to the dispute. 
Account # XXXX This item was removed from your credit report. 
XXXX XXXX  First reported XX/XX/XXXX Sold to XXXX XXXX XXXX   Account Name XXXX XXXX Account Number XXXX Account Type Credit card Individual Responsibility Date Opened XX/XX/XXXX Closed {$220.00} written off Status Updated XX/XX/XXXX Monthly Payment {$0.00} Credit Limit {$200.00} High bal {$320.00} t was removed on XX/XX/XXXX. I was notified of this on XX/XX/XXXX and have attached to this complaint report # XXXX that shows they removed it. 

Now 60 days later it appears on my Experian credit report again. My issues are that this account was already removed from my credit report because of my previous dispute. In the dispute results report there is a section that shows my credit report " before '' the collection account was removed. It shows XXXX XXXX XXXX as the owners of this collection account. 
Account Number XXXX. 

This account was removed and then recently it reappeared on my credit report. 

Now the General Account Info is different but it is the same account. 
Account Name XXXX XXXX XXXX Account Number XXXX Acct Type : Debt Buyer Responsibility : Individual Date Opened XX/XX/XXXX Status : Collection acct. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$220.00} Bal Updated XX/XX/XXXX Recent Paymnt Amt $ XXXX  Monthly Payment {$0.00} Original Balance {$220.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Once again I request proof of this debt. I have already disputed this collection account reappearing on my credit report with Experian. The dispute number is Report # XXXX dated XX/XX/XXXX. 

I have requested proof of this debt and have not received any response. 

Get this removed from my credit report or give me proof of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  account number ending in XXXX with a balance of XXXX dollars has violated my rights. 

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 an 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 reporting or other personal consumer reports

Equifax did not recognize my ( correct ) login info online, nor even my email address. 
I called them and they said they were unable to verify me by the ( correct ) answers to the questions they asked. Their verification questions are ambiguous, but, I did answer them correctly. XXXX who identified himself as " XXXX XXXX said my only recourse was to call back later or submit documents. He would not allow me to speak to a supervisor with a better command of XXXX. 
I need to unlock my credit as part of an application, and they are not willing to help me. 
Shameful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
Product: Debt collection

There is a XXXX XXXX debt on my account that I do not remember owing, I have asked on several occasions for detailed billing and proof that I signed any contracts for the debt and they refuse to provide me any validation. I also did not receive a first notice letter. There is no way that I owe over {$3300.00} to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The forced answers to the questions on the form did not cover my problem, so I had to answer incorrectly. 

2. The problem is with the Annual Free Credit Report, from Experian. 

I just ( XX/XX/2018 ) got my Annual Report from Experian. 

A. The report on the screen was very dim, and very difficult to read for an old person like me. In other words, it did not conform to the contrast requirements of the W3C Web Content Accessibility Guidelines. 

B. I tried to print the report. In addition to a very large number of pages, the printing was also very dim and hard to read. 

C. Even when I printed it in Landscape format, some of the information on the right side of the page was cut off. That is, I could not get a printed copy of ALL of the information on my report. 

D. The large amount of unnecessary whitespace on the report seems to be deliberately designed to discourage printing. 

Also, in the Experian " validation '' process, there is a requirement to answer questions in a VERY short period of time. Three questions in one minute. One was about the first 4 characters of my drivers license number, and my billfold with my license was in another room, taking quite some time to get. Another question was my mortgage payment amount - and most people do not have that exactly memorized, so have to go look it up. I believe this short time limit is designed to discourage people.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is an addresses reporting on my Equifax Credit Report that are not mine. 
Below is the address that i would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 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 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2017, I lost my job due to a situation at my now former workplace. I fell behind on some bills, including credit cards. I have been receiving numerous calls from different numbers that turned out to be Midland Funding LLC. I even sent a letter to Midland, about their unwelcome calls, but never got response. This financial hardship I have been experiencing, along with the frequent calls from Midland, has had my anxiety skyrocketed.
Product: Checking or savings account

Wells Fargo has charged me an egregious amount of overdraft fees this past year alone - {$590.00} in total across two accounts. On one occasion, they charged me {$35.00} for a {$15.00} overdraft. 

I am a hardworking student, just trying to finish school and enter the workforce. I can not afford to pay a luxury credit fee for a few overdrafts that Wells Fargo approved.
Product: Money transfer, virtual currency, or money service

Good Day Ma'am/Sir PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently, and Paypal is accusing me for sale of unapproved file sharing services and monetery damages without any evidences, I'm asking them evidences but they just always answering me that the decision is already final. My email linked to my PayPal is XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, Experian is no Stanger to this information. 

I disputed this address ( WHICH IS NOT MY ADDRESS! ) These addresses are a result of fraud. 

Experian is now in violation of the FCRA section 623 Violation : Defamation, willful injury They ( Experian ) refuse to correct information after being provided proof of inaccuracy. 

These SAME ADDRESSES WERE Deleted from XXXX  because they're fraud! 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX. I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

Called CitiCards on XX/XX//18 to request lower interest rate and consolidate all balances to the lower rate. Was approved and confirmed rate would be 13.49 % and ALL balances combined at that rate. 

In reviewing my XXXX statement, rate and balances were NOT reduced or combined as promised. 

Confirmed on XX/XX//18 by online Chat ( transcript available ) that account was " cured '' with rate and ALL balances combined at 13.49 %. 

After many documented Chat sessions and recorded voice calls, rate and consolidation was promised but never implemented. 

Also agreed that the difference in the interest rate, ~5 % and {$600.00}, would be credited back.