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

Lexington Law is deceptive in practices. I was a victim of their hotswap scheme and was transferred from a loan representative after being denied credit for a business loan. The first reviews on XXXX were good until I dug much deeper and found the real issues. I lost money to this scam. I could have been using this money to pay creditors rather than wasting months paying for little help.
Product: Money transfer, virtual currency, or money service

I have experienced multiple fraud attempts and transactions on my account and I can't access my funds. I have put in a dispute with the bank and it was dropped.
Product: Mortgage

My mortgage loan # XXXX for property located at XXXX XXXX XXXX XXXX XXXX NJ XXXX properety Block XXXX XXXX XXXXXXXX tax account XXXX was trasferred to Fifth Third Bank. After that Despite being current with mortgage payments. The I have delinquency on my real state payments with the city of XXXX tax collector. I have been strugling to resolve the issue but each and every communication with fifth third their representatives have not made any serious diligence to resolve the issue and instead they have stated that my mortgage is current. After providing all information they have refuse to provide a payment evidence for real state taxes and hazzard insurance at current moment my property taxes are delincuent with about XXXX on penalty interest accumulated. The city of XXXX have provided records that shows not payments made for the entire year 2022. My home insurance policy with XXXX XXXX was never pay by fifth third neither fifth third have provided any evidence of the destiny of the escrow funds, despite several phone calls and online engagement. I find this mortgage servicer to be at best incompetent and at worst a conspirator to create this situation. They have done not decent effort to correct the situation and I have requested the escrow account to be terminated .I have requested that they pay the interest and penalties as per their legal obligation .I request the return of all the funds that they escrowed tor insurance and taxes so I can take care of those payments by other reliable mean.
Product: Debt collection

After numerous attempts to contact XXXX and XXXX of company reporting on both agencies, the said company " Account Resolution Service '' A.K.A " ARS '' listed on my credit consumer reports will be removed and then reappear weeks later. 
Cat and Mouse game. 
" ARS '' is now reporting as an original creditor, fraud! 
I have never signed a contract nor do I have acknowledgement of any service, product or repair with " ARS ''. 
I have informed XXXX and XXXX of this information, but still remains? 
Is it fraudulent of ARS to report as an original creditor when they are not? 
Also, why is n't ARS showing me a signature page that I have requested?
Product: Checking or savings account

We, XXXX citizens opened a checking account in XXXX and it was closed in XX/XX/XXXX with a credit balance of XXXX {$390.00}. 

In this regard, we have received several emails messages from the bank advising us to provide a legitimate US address which I updated on XX/XX/XXXX. 

Nevertheless, in spite of having complied with the bank 's request my account was definitely closed on XX/XX/XXXX, and I have not received my money back as of yet to the given address. 

We consider this issue has taken very long for the bank to give us a positive response, and consider this has been an unethical and discriminatory management practice and lack of corporate responsibility by Wells Fargo bank to hold our balance, since we did comply with the bank 's requirement, and thus demand that our money be sent immediately to the given US address. 

We truly appreciate your valuable support in solving this matter at your earliest convenience. 

Best Regards
Product: Credit card

I believe American Express is discriminating against me because I am XXXX and the merchant is white owned. this is regarding dispute XXXX. 

They previously had the case closed with no indication their would be any rebill. the investigation was closed. but today i look and they re-opened it without telling me. Almost as if my word and my photos of the damaged product did not mean anything. 

I also submitted today a new update from XXXX, an email from XXXX  Investigations team where they CONFIRM the product and box were damaged when they received it from the merchant and they also confirmed the damaged product was returned to the merchant in the origin city of XXXX, FL. The XXXX team also confirmed it was returned to the exact address the merchant gave me and them. 

I am owed my money on this transaction, because I received a damage product when it was advertised as " Excellent '' ; I also had it returned with their carrier and XXXX confirmed it was damaged and that they returned it to the merchant in XXXX, FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

See ALL attached proofs of your failure to protect my security, as the consumer, as well as and the confidentiality of my non-public personal information which is hurting and harming me now presently.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing.

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Debt collection

this is not my debt the information of the debt owned by this person does not match my own personal information
Product: Debt collection

On XXXX XXXX I received notification from XXXX  ( via their mobile app ) that a collection account was placed on my credit report in the amount of {$580.00}. The account allegedly derived from a payday loan with XXXX XXXX. I have previously been in contact with XXXX  XXXX via mail regarding this account. I have explained t oXXXX XXXX on several occasions that this account was not mine and I had no knowledge or responsibility for this account. The account was placed with XXXX XXXX XXXX and was removed from my credit report as the result of a dispute. Debt Recovery Solutions has again placed this account on my credit report and have done so without any prior notice to me of any kind. I have never heard of Debt Recovery Solutions until I received notice of their placement of a collection account on my credit file. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.
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 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. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Checking or savings account

BECU has responded to my initial complaint however they have not provided a signed copy of the agreement they reference in their lawsuit against me nor in their response to the complaint processed through you. I would like a copy of that signed agreement for my records-thank you
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this accounts to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency LexisNexis has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

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  * 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total
Product: Credit reporting, credit repair services, or other personal consumer reports

When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXXXXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit reports are still showing a late payment for my XXXX XXXX Credit Card, Acct # XXXX for the Month of XX/XX/year>. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?
Product: Credit reporting or other personal consumer reports

Dispute reason Unverified account I never had a contract with this debt collector for any debt. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.
Product: Credit card or prepaid card

I can no longer login to my BBVA Compass credit card account. When I attempt to call the company, the phone number listed on the back of the credit card abruptly disconnects with an error message before I can talk to anyone. I called a separate phone number, and the technical support rep assured me they would send me an e-mail to reset my account, but the message never arrived. Although, an e-mail from Compass did arrive, it didn't have any instructions on how to reset my password. I have been dealing with this issue for about a week. I just want to pay my bill, but the company won't allow me to.
Product: Payday loan, title loan, or personal loan

It has been 6 months that I am trying to get access to my Line of Credit. Multiple Multiple trips to different bank locations, over 10 online requests to have my access restored again. 
I DONT access to online banking I DONT receive statement in the mail. 
I DONT know what interest rate is I DONT know anything about this loan just paying what bank teller will say every month. 

, TD Bank Blocked me to have Online access and same time increased my monthly payments ( changes APR most likely ) I want to know what is going on ( online access ) and I want TD Bank to go back to our loan agreement .Same APR same monthly payments This is our second complaint with TD Bank about this problem. CFPB Case ID XXXX I got a response from TD Bank XXXX Obligor to contact TD Bank at the contact information number and email provided at the bottom of the letter. 
Email returns as Address not found Phone number it will ring and will say voice mail is full. At this point I don't know what to make of this.
Product: Credit card or prepaid card

We made the credit card balance payment on the due date XX/XX/2022 at XXXX pm CST ( the time zone where we live ). But the card issuing bank ( Citi ) still charged us a late fee ( {$29.00} ) and an interest ( {$27.00} ) saying that the payment should have been made by the Eastern time. Never did they say clearly that the deadline is according to the EST ( or, it must have been in very fine print which we were never made aware of ). In our opinion this amounts to defrauding the consumers by using a different time zone to slap consumers a late fee and an interest, and hence we are seeking a full refund of the total disputed amount ( {$56.00} ).
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX have resulted in undue harm to my financial reputation and stability.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00}
Product: Vehicle loan or lease

I have had my vehicle for over 2 years now and I refinanced back in 2021 not understanding about what it meant to refinance the vehicle and my loan payment increased when I was actually closer to paying off my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXX XXXX to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX/CareCredit So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
Product: Debt collection

I'm currently in the process of buying a house and unknown collection account showed up on my credit report and dropped my score drastically I've never heard from this company I've never gotten any emails phone calls or any letters from them stating that I owed the date, it was placed on my credit without any notification about it, the company is paramount recovery systems
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with American Express since XX/XX/XXXX. You can see from my records that I paid in full without default over these times till XX/XX/XXXX, when this incident happened. XX/XX/XXXX due to our business expansion and travel I had a shortage of cash flow and had a delay in payment. On XX/XX/XXXX a representative form American Express called about the payment delays and I agreed to make full payment in 4 installments on the condition that fees, fines and annual fees will be waived ( by this time there were fees and fines imposed ). Based on this agreement, one fourth of total amount I owed ( {$1200.00} ) was paid immediately with the customer service agent. Then I was instructed to make 3 more payments beginning of next month. I did a second payment of  {$1100.00} on XX/XX/XXXX Based on this plan I was to make next payment on XX/XX/XXXX and the final payment on XX/XX/XXXX. Unfortunately, beginning about XX/XX/XXXX I started getting many calls from American Express demanding immediate payment of full amount of {$2400.00}, including fees and fines which were waived earlier by the customer service person who arranged the 4 installment payment plan. So, I decided to hold further payment until this issue was resolved, although I did make minimum payments of {$100.00} and {$200.00} each in XX/XX/XXXX and XX/XX/XXXX, hoping in good faith this could be resolved. Since then I got many threatening calls from American Express about this, none have resolved the issue. In XX/XX/XXXX I got collection notice from XXXX XXXX, agency for American Express, with a demand for payment of {$2400.00} ( which included fees, fines and annual fees ). After contesting this with the collection agency and American Express, I agreed to pay the amount of {$1900.00} once they agreed to waive the fees, fines, and annual fees. American Express also agreed to remove information posted on my credit report. I paid this amount as I agreed in XX/XX/XXXX. Then I received a letter ( dated XX/XX/XXXX, see attached ) from American Express stating that we removed the amount under review for {$1900.00} from your account. But, this has not happened since my credit report from XXXX still showing charge off, written off {$2400.00} even now. They also stated that I still owe {$560.00}, which are fees and fines, in disregard to the agreement we made. I received another letter from American Express ( dated XX/XX/XXXX, see attached ) stating that Due to technical error, we overcharged your Employee Card annual fee ( s ) and are now refunding those fees. This also not happened since all my credit reports shows charge off and balance due. Now one of my credit report, XXXX, shows charge off, balance of {$2400.00} and others ( XXXX  and XXXX ) showing charge off or balance of {$480.00}, which are wrong. As you can see from the explanation above I have paid all debts due to American Express. Because of the erroneous credit report I am having trouble getting loans and declined. I request to resolve this immediately so I can be financially stable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported late on my credit report. My loan payments have been deferred due to the Woolsey fires here in XXXX XXXX Ca. This should not be reporting negatively on my credit report.
Product: Debt collection

Capital one Bank accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return Capital One said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. Capital One sold this inaccurate account to XXXX XXXX XXXX. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
XXXX XXXX XXXX will not stop reporting this fraudulent and inaccurate account. Capital One will not send me the letter stating they released this debt over me.