23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had another dispute in the past about Equifax and some of the accounts that were being reported, In addition to what has already been disputed I have information to add to the dispute including : XXXX needs thorough investigated, they are reporting to my credit reports under multiple names with different amounts and account numbers for the same account. They have listed as XXXX, XXXX, XXXX, and also go by the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX all under the parent company " the XXXX XXXX '' when something is removed, as it has been on my reports, it is transferred to another of their " companies '' to get it back on the reports it seems. XXXX XXXX and a XXXX account are reporting on my reports and XXXX and XXXX XXXX are reporting these same accounts as collections so some of my reports are showing XXXX negative items for XXXX account. To my knowledge this should not be the case. I attempted to contact the XXXX office in XXXX AL ( original creditor ) by mail about the account they have listed on some of my reports and offered payment in an effort to clear this matter up and I did not get a response from them. XXXX XXXX, CRA, and XXXX finance as stated before are all reporting the same accounts under different names. Can they do this? I contacted XXXX XXXX to try to sort the matter out and requested them to send me something by mail showing the terms of a payment arrangement and they refused to do so multiple times until after I talked to XXXX different people from XXXX " companies '' XXXX funding which told me they could n't negotiate a settlement with me and transferred me to XXXX XXXX XXXX XXXX in which agreed to a settlement amount and after telling them I could n't pay that day finally agreed to send me the agreement in the mail for a lower settlement amount but added in the letter that a negative report to a credit bureau may be added if I did not pay it, a day later I received another letter from them wanting the full amount. I told them I did not admit ownership of the account I just wanted the matter cleared up and off my reports. These accounts have made a mess of my reports due to multiple listings of the same account with just enough changed to look like different accounts etc. I went as far as requesting the help of a credit repair company but they did n't dispute on the proper grounds I believe. I need all XXXX of my reports investigated for these issues and they should be removed especially if the original creditor will not accept payment on the account or even reply to my inquiry about the account.
Product: Credit reporting or other personal consumer reports

This Self account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. It's paid off and should be removed from my report, it's verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. Account Details : Creditor : Self Lender Account Number, Account ID # XXXX Date of Last Activity : XX/XX/XXXX  Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Product: Credit card or prepaid card

I am submitting this claim because I had a Citibank AAdvantage Executive World Elite MasterCard and on the anniversary of my credit card account, Citibank very unethically charged me the {$450.00} annual fee and then closed my account a few days later without notice and without an explanation. 

The Annual Fee includes a host of benefits, including a 1 year membership into the XXXX XXXX XXXX XXXX. Therefore, having been charged the fee, I expect to receive the benefit. 

Counter to any intuition, Citibank canceled my card, canceled the XXXX 's XXXX membership, and refuses to refund the {$450.00}. Therefore, Citibank has been unjustly enriched since I was forced to pay for a benefit I never received. 

I called Citibank Customer Service and they wouldn't help me. So I wrote a letter to the Citibank Executive Response team and they ignored my request to refund the {$450.00}. 

This has prompted me to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

How continuously reached out to the companies to the bureaus and still have not gotten a resolve even after I submitted disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started in XXXXXXXX XXXX XXXX  when we were notified that our then loan service provider XXXX XXXX services was transferring us to XXXX XXXX an that there would be no reporting to the credit bureaus for 60 days. In XXXX of 2022 XXXX XXXX started reporting to the credit bureaus on XX/XX/XXXX my credit score dropped by XXXX I went to see why an found that Equifax had reported the account was closed. 
I contacted XXXX XXXX an Equifax. XXXX XXXX had assured us that they were reporting it as open an current XXXX an XXXX XXXX had it also open and current. Ive filed 6 disputes with Equifax an the results come back the same they have the account still showing transferred/sold with no balance owed but current. My wife is also on the loan an has been affected credit wise. I thank you in advance for your help on this matter. 

All the best!
Product: Student loan

I requested the School Misconduct Borrowers Defense for Private Student Loans application from Navient and immediately I received an OOO ( Out of Office ) response that said they would need more time to review my request. I still haven't heard anything back. I downloaded the application from httXXXX XXXX XXXX and just submitted the application and attached my supporting documents with it as of just before this submission. 

To clarify this complaint has been resolved by downloading this application from another source and completing and submitting it to my loan servicer. I just wanted this complaint filed in principal.
Product: Credit card

So BILT is a rewards program that has partnered with XXXX XXXX for convenience of rent payments. However, they have a condition to make 5 transactions in a statement cycle. The issue is they do not have a consistent billing cycle make a customer loose track of the cycle and loosing out on the rewards points they should be getting. This is misleading!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Syndicated Office System
Product: Student loan

We are trying to refinance these loans at a lower interest rate with another institution and XXXX/ECMC have failed to supply us with the proper pay-off documentation. In addition they have incorrectly categorized the loans as in default due to bankruptcy. These loans are not part of any Bankruptcy Plan and should not be categorized as such. In addition several attempts to correct both this error and a pay-off document have been met with failure on their part to make any effort to correct.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I call Experian and spoke to a specialist name XXXX, I was concern and address the issue with my credit report score. I wanted to know why my Score will drop from XXXX to XXXX XXXX points, The only change I have from XXXX report was 1 account the balance decreased, that should help my score not decrease by XXXX points, she had no answer for me, I had no new credit or no recent inquiries, she told me I had to find a License Credit Advisor on my own, I find this very alarming when this is part of their product and this effect my ability to get a mortgage and Damaged my credit., I ask to speak to a Supervisor or Manger and was told one was not available and would call me back. 

The FICO Score I feel is wrong, a big error and it need to be corrected.
Product: Credit reporting or other personal consumer reports

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i sent a letter to reinvestigate these accounts listed below because ( collection ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ( collection ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. Account number- XXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA , I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion
Product: Debt collection

In XXXX I pulled my free credit reports. I noticed that Portfolio Recovery Associates had recently placed a collection account on my file. I did not recognize this account and initiated a dispute. The dispute came back as the account being verified. I called Portfolio Recovery to inquire about the account and they informed me that they could not take any action on the account until XX/XX/XXXX because they were waiting on the original creditor to furnish verification documents. Portfolio Recovery reported negative information to the credit bureaus before verifying the information. When I questioned the validity of the account they were unable to provide proper documentation. The representative did state that this account is a charge off that is dated in XX/XX/XXXX. This false reporting has caused me to be denied for credit.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Closed on credit account back in 2012 and debt collector rude stating I owe and that they sent me documents and I never recieved. Charging me for debt over 10yrs old. that I already paid
Product: Vehicle loan or lease

The company listed below A few days ago, I spoke with a representative from Sensible Auto regarding a duplicate payment made on my account. Sensible auto made a payment to another persons account with my banking information. 

We were told that the funds would be returned. However, the funds have not been returned. 

Fraudulent transactions information : The payment was made to a different account holder. I live in Mississippi and the payment was made on behalf of an individual in New Hampshire. 

I have provided pictures below. 

Office mailing address Sensible Auto XXXX XXXX XXXX XXXX, CT XXXX XXXX Insurance lien holder Sensible Auto XXXX XXXX XXXX XXXX, GA XXXX XXXX Fax ( XXXX ) XXXX
Product: Checking or savings account

My check was supposed to be deposited on XX/XX/year>. It is now XX/XX/year> and my check has not been deposited and Capital One does not have an estimated date for when it will be deposited.
Product: Mortgage

In XXXX of XXXX I set up a mortgage loan with XXXXXXXX XXXX XXXX XXXXXXXX who sub serviced my loan with XXXX XXXX XXXX ( Loan Servicer ). From its origination, I arranged with XXXX XXXX for automatic payments to be made for my loan via ACH with my XXXX  XXXX XXXX XXXX Account. Such payments were pulled diligently and on time automatically by way of my account number and routing number up until XXXX of XXXX when unexpectedly my loan was transferred from XXXX XXXX  to Suntrust Bank now Truist. 

In the process of my loan being transferred, Truist failed to 1. update my account information so that those automatic payments would continue and 2. properly notify me of such changes. The only notice I got was a letter in the mail. No phone calls or emails. This is important to note because from 2 weeks before the transfer of my loan up until XX/XX/XXXX I was out of town. Not to mention the letter mailed to my address was accidentally taken inside of another unit on my property from a renter of mine ( in which I have written account from her stating there was no way for me to have known of this change because she accidentally had withheld my mail from my time of leaving town XX/XX/XXXX until XXXX ). 

This transfer of my loan along with Truist 's failure to update my account and properly notify me led to me missing a mortgage payment. However, even then the only notice they gave to me regarding a delinquent payment was by mail again. No phone call or email. Keep in mind I'm out of town from XX/XX/XXXX until XXXX for work in another state. And these notices too were mixed up in my renter 's mail and only found inside her unit when I arrived back home and did a random inspection of her unit on my property. 

It's extremely frustrating too because it's not like I didn't have sufficient funds in my account at the time of the missed payment. In fact, I have proof of funds and a bank statement dating from the same time in which such payment was missed and I had over {$20000.00} in my account when the missed payment was for {$1500.00} As a result of all of this, there is currently a 90-day delinquency on my credit which was reported by Truist. I have tried now 2 times to dispute this with them and they will not acknowledge their failures or update my credit given the circumstances of me not being properly notified and also having sufficient funds at the time of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous accounts reported on all three credit bureaus that I do not recognize. I have alerted all XXXX credit bureaus of this activity. Equifax refuses to remove .Please remove.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : Charged account reporting a balance Date of OccurrenceXXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information
Product: Credit card or prepaid card

I paid off the balance on my Bank of America credit card on XX/XX/XXXX. On XX/XX/XXXX the auto payment amount of {$100.00} that I had set up was deducted from my bank account. I called Bank of America onXX/XX/XXXX regarding the {$100.00} credit on my account because the auto payment amount was still taken from my account. They reversed the payment on XX/XX/XXXX and I turned off auto pay to prevent the {$100.00} from pulling from my bank account again. On XX/XX/XXXX I was charged {$8.00} in interest. Since my account had a {$0.00} balance since XX/XX/XXXX and a credit for a period of time, I did not check my account the following month. As a result, my account is showing past due and I was charged a late fee. I called Bank of America regarding this and she said that I have to have a {$0.00} balance on my account for 2 months for them to not charge me interest. They will not reverse the late charge and the interest they charged even though the account balance was {$0.00} or was a credit balance during the month.
Product: Vehicle loan or lease

Date XXXX Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
XXXX Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review Resolution : 1. Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

2. Wells Fargo Dealer Services to remove all missing/ not applies funds we have sent to you. 
2. Correct my credit for WFDS have reported multiple negative credit reporting in which has affected my credit score and my ability to obtain credit being extended to me. 
3. Remove all late from my credit reports This has been the worst most stressful experience I have ever dealt with Wells Fargo branches and Wells Fargo Dealer Services. 

Attached proof for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from XXXX proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on XXXX  reporting of this loan