23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/XXXX, I logged into my account around XXXX after making a couple purchases to transfer some money from my savings to my checking. My account showed a positive balance, so I scheduled the transfer for the next day. When I checked my account 5 days later, I discovered that an E-Check came thru on XX/XX/XXXX for more than I had in my account, this never showed up as pending when I logged in on XX/XX/XXXX. Then the bank processed XXXX Debit transactions on XX/XX/XXXX before it transferred my money from savings so it could charge me XXXX more overdraft fees. Then because it went 5 days ( including weekend ) with a negative balance they charged me another overdraft fee. - Now at this point on XX/XX/XXXX, had the bank not charged me any of the XXXX overdraft charges my account would still have a positive balance. The bank charged me a total of {$130.00} in overdraft fees. This is a rip-off. I just buried my father on XX/XX/XXXX, and from total exhaustion I then was sick in bed for 3 days. I do n't need this from my bank!!
Product: Student loan

Months of issues trying to pay online. This year between XXXX and XX/XX/XXXX online payments were denied payment reversal. 
In XXXX Mohela accepted a physical check. In XXXX Mohela took the money sent by physical check but my account was never credited. They asked for further prove that I paid. I supplied proof. Have been told its under special internal review and there is no timeline on when itll be resolved. All the while interest is accruing daily.
Product: Credit reporting or other personal consumer reports

Dear Structured Settlement, This letter is to dispute the reporting of Account # XXXX for XXXX XXXX. In CFPB Complaint # XXXX, I stated that the original creditor, XXXX XXXX XXXX XXXX to verify the alleged debt as required by law. XXXX has since confirmed that the balance on record differs from what you report and that they have notified credit bureaus to remove the trade line due to inaccuracies. 

Furthermore, a payment plan was initiated with XXXX, and I was unaware that the debt had been sold. Nationwide Capital Services, operating under Structured Settlement, is not registered to conduct business in Texas and has forfeited its right to operate, as shown in the attached documentation. 

Your response that you " noted the dispute and updated your system '' is insufficient. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am demanding the immediate removal of this account from my credit report. Failure to comply within 30 days will result in further action with regulatory agencies and legal counsel.
Product: Credit card or prepaid card

I applied and was approved for the XXXX credit card by American Express Business Card on XX/XX/XXXX. The promotion for this card offer allow applicants to earn XXXX   points after $ XXXXor more in eligible purchases are made on the credit card within the first 3 months. 

When the credit card has arrived by mail it not show that 100,000 points offer in the welcome letter. I called the customer service number showed on the back of credit card and questions about the promotion offer and she said when I made purchase {$5000.00} or more in the first 3 months, the promotion points will automatic shows on my account statement. 

In the first 3 months I made purchase over {$5000.00} with this credit card and paid off my balance on time. However, the welcome points it not show on my statement. I called the customer service and concern about it and she took my information and create the reference # XXXX. 

In the past 4 weeks I made several phone called to customer service and they keep transfer my called to different department and they keep said that I has applied the card in XX/XX/XXXX that why I can not receive new promotion. I couldn't agree with the explaintnation because if I already has a credit card why the system still approved another. 
I has escalate my complaint to XXXX XXXX XXXX with case ID XXXX. On XX/XX/XXXX, I received letter from Customer Advocate Services Team response to my complaint with the same answer that American Express refuse to offer my rewards that they offer online promotion when I applied for the credit card. 



XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing is attempting to illegally foreclose on my home.
Product: Debt collection

I want to start a new complaint against this company that had may or may not have a license to collect and is doing business fraudulent and is called XX/XX/XXXXXXXX, they claim they have the right to collect on a debt already paid through President Obama 's Making Home Affordable Program created in XXXX to help homeowners with their Mortgages and avoid foreclosure and have a more affordable monthly payment. ( XXXX ) We entered into a XXXX XXXX in XX/XX/XXXX and the amount this company is trying to collect was {$87000.00} and was forgiven. Now this company namedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX is stating that they are now collecting for themselves. ( XXXX ) We strongly believe they have no right to collect and have seen on this same issue twice on the news that this company is like the last company that had acted as a XXXX XXXX and was collecting our mortgage payments. The amount the letter states they claim is {$100000.00}, which XXXX be incorrect since we were forced to pay and had to hire an attorney to stop the Foreclosure. I am reporting this company again and I saw they were in a different city in XXXX XXXX, XX/XX/XXXX on XX/XX/XXXX and it was reported by realtor XXXX XXXX. Also, CFPB representative XXXX XXXX said they need to know how widespread this is and I will say it is now in a different city, the last one was in XXXX,XX/XX/XXXX
Product: Mortgage

I was making partial payments and Homeloan Serve now has me owing {$4500.00} with a negative XXXX escrow. I tried calling in XXXX and XXXX to make a payment but they refused to take my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I have notice that the credit reporting agencies are reporting inaccurate information on my consumer report. I have also notice that they are not following what the FCRA has laced out for them in regards to 15 usc 1681 ( 2 ) ( A ) ( B ) ( I ) report containing information solely as to experiences and transaction between the consumer and the person making the report. Which is a clear violation. This is not 3rd party submitting this dispute.
Product: Checking or savings account

I am to receive my direct deposit today XX/XX/year>. The bank has stated that it is experiencing an error. They will not provide a reasoning to this issue. When I call the bank, it is impossible to talk to a person to obtain any information. The line goes silent and then they hang up. I have tried calling 21 times, attempting every different combination of numbers and can not get any answers. This has affected my electricity and gas as I have a deal with XXXX  XXXX to pay today on a payment plan and I was unable to pay, thus I have had my power shut off.
Product: Debt collection

This debt is not mine. I fought this off with the credit reporting agencies due to the many debt collectors collecting on the same account and claiming different balances. This debt collector represents an old debt and is duplicate reporting. I recently got a letter from Convergent asking for more information in order to dispute this debt since I disputed it with XXXX. With XXXX I had no issue to get it off.
Product: Debt collection

I am being contactedby the company to resolve a medical bill from XXXX. The bill is XXXX dollars. I told them I was unemployed and couldn't pay andthey said either borrow it from family or my credit report would be heavily damaged. This was in XX/XX/XXXX. 

I received another phone call today XXXX XXXX, and I told them I amnow self employed and just started a contract. They told me either pay the balance or they'll call my wife. I told them she doesn't work, and they said that i have to pay the full balance today, or my credit will be negatively reflected and I'll losemy business. I asked to speak to a manager to dispute the debt. I told them I've never received paperwork and I want a copy of the recorded call, they said I haveno right to it. They also said they don't have to follow the law andthey do not have to allow payments below the full amount. I offered to pay XXXX now, and they said either the full balance or iwill be sued. This is a very shady business and I feelmy rights under the fair debt collection practices act were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX/ Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate XXXX but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Credit card

On XX/XX/XXXX I contacted Midland Credit Management to discuss my options under the Service Members Civil Relief Act. I joined the XXXX in XXXX  and the benefits should have started at that time. The first customer service agent XXXX XXXX stated that he had to cancel my current payment plan because I was in the military and had to contact customer service. When I called the customer service number he gave me I was told they would not do anything for me and I had to go through the process of being put back on the same payment plan I had already been on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I contacted my XXXX card to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that XXXX, XXXX XXXX and Experian are reporting to my credit file balances Two weeks after my closing date with XXXX Card, then immediately decreasing my Fico score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX Card closing date is the XXXX of each month. Verified with XXXX Card. Why is XXXX, XXXX XXXX and Experian reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX Card at ANY TIME because XXXX, XXXX XXXX and Experian is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX Card that they ONLY report my Balances every XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX Card advised I should report this immediately because it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with the Consumer Credit Agencies, and to no avail, I am still plagued with the same problem. Experian has been grossly negligent in validating the debts from several companies listed on my Consumer Credit Report. The information shows to be inaccurate and incomplete. I will attempt to keep each situation separate by filing separate complaints. I have not witnessed the section on my Consumer Credit Report that is listed as, " investigative consumer report '' whereas information on my character, general reputation, mode of living or personal characteristics are obtained through interviews with neighbors, friends, family and those who have first-hand knowledge on any of the negative accounts listed on my Consumer Credit Report ( 15 USC 1681a ( e ) ). I will start with the first complaint, listed on my Consumer Credit Report under XXXX XXXX XXXX XXXX XXXX This account is shown to be account number XXXX, a closed account with no open date listed, it is showing the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX. NO PHONE NUMBER LISTED FOR ME TO CALL. The credit report account says, " 1 'potentially " negative month '' and a red 'C ' for XX/XX/2019. The original creditor isn't listed, and the amount listed is for XXXX. The credit report also reflects that this account was, " paid, was a collection account, insurance claim or government claim or was terminated for default ''. This listing sound to be unsure, as I am not sure who this company is listed. Please validate the alleged debt, as I believe them to be debt parking on my Consumer Credit Report under the guise of the US Department of Education, but a debt collector. I am unaware of this company listed, please have this company to verify their name, not who they were attempting to collect on an alleged debt for. Please advise this company that I am requesting a validation and proof of claim for them on this alleged debt.
Product: Student loan

during the COVID 19 pandemic, interest rates were frozen per the federal government. Navient XXXX XXXX continued to charge interest and other fees on account holders. 
My loan balance today was {$2100.00}, up from {$2100.00} last month. I made a payment in full today after realizing they were fraudulently adding fees and interest during the freeze ( which doesn't end until XX/XX/2022. There website shows them adding interest during the pandemic. I wish to be refunded the fees and interest that were fraudulently charged during the freeze. These accumulation of interest fees should not have been added until XX/XX/XXXX when the deadline begins repayment for all loan holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agen cy, Especially   XXXX   and  Experian,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I opened a XXXX credit card with TD Bank. Since then I have had exceptional payment history thats not being reported by XXXX. 

I reached out to TD Bank and they told me they are reporting this account to XXXX. 

XXXX is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.
Product: Debt collection

Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and Capital One. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXX XXXX XXXX | NXXXX XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXX | XXXX XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXX | XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXX | XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXXXXXX XXXX XXXX | All Banks | XX/XX/XXXX | Equifax.
Product: Prepaid card

I have tried repeatedly to add my debit card to an American Express Serve card. An error message appears that there are technical difficulties, and to try again. Have tried repeatedly, contacted tech support, " Supervisor '' XXXX, in some third-world country, became combative, belligerent, and hung up during the call. Address has not changed. American Express refuses to acknowledge technical issues. 
I want American Express to change its policy about the Serve account to accept a PO Box as a legitimate address, and to allow ANY AND ALL DEBIT CARDS, REGARDLESS OF ADDRESS, TO BE ADDED AS A FUNDING SOURCE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian notified me that my mortgage XXXX XXXX  company was in arrears. 
This dropped my credit score. 

I immediately contacted XXXX  and was informed that this is an error on Experian 's end. I have documentation from XXXX  to confirm this. 
I tried reached out to Experian via phone, but the artificial intelligence answering machine will not transfer me to a customer service rep no matter what time of day I call. 

I have attempted to call daily since XX/XX/XXXX In addition, there is no where on the website to email someone for assistance. 

How am I supposed to resolve this when there is no one at Experian to contact? 

This is having a negative impact on my Credit score. 



Below is the message I got regarding my account being delinquent : XXXX  XXXX  XXXX has flagged your account as XXXX  Days Past Due. 

XXXX XXXX XXXXXXXX has flagged your account as XXXX  Days Past Due on XX/XX/XXXX. 

Source : Experian XXXX : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX  Days Delinquent )
Product: Credit reporting or other personal consumer reports

After Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 
XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) XXXX ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under XXXX XXXX XXXX. 
According to : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
According to : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : XXXX U.S.C. XXXX ( A ) ( XXXX ) 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: Debt collection

XXXX XXXX  # XXXX ( XXXX ) {$670.00} Enhanced Recovery # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} Enhanced Recovery # XXXX ( XXXX, XX/XX/XXXX ) {$97.00} Enhanced Recovery # XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.
Product: Credit reporting or other personal consumer reports

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN XXXX BUISNESS DAYS AFTER THE DATE OF RECEIPT.