23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CREDITACPT Installment account with account # XXXX opened on XX/XX/year> and a balance of {$6500.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.15 USC 1666b,15 USC 6802 15 USC 1681A ( 2 ) ( I )
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been trying to contact and have had inquiries that I didn't recognize or apply for are on my credit report from Capital One Sale And and XXXX XXXX XXXX and It has held me back from getting a home. I never Authorized or told someone from this company to pull my credit score and they did and when I try to contact them no one got back to me and the people on the phone didn't even know what I was talking about.
Product: Payday loan, title loan, personal loan, or advance loan

On Tuesday, XX/XX/XXXX, I contacted an associate at Upstart XXXX regarding a late payment that was reported 45 days late. The associate assured me that if I paid the outstanding amount of {$23.00} immediately, the late payment would be removed from my credit history. Following this advice, I paid the bill on the same day. 

However, on XX/XX/XXXX, the late payment was still reported as 45 days late on my credit report. When I reached out to Upstart again to address this issue, I requested to speak with a supervisor. The supervisor incorrectly claimed that I had placed a " do not contact '' instruction on my email address, which I had not. Furthermore, I did not receive any letters, emails, or phone calls informing me that this late payment would be reported to the credit agencies. 

I have been consistently paying this loan for the past two years. Due to Upstart 's internal errors and a mere {$23.00} late payment, my credit score has dropped by XXXX XXXX. This has caused significant financial distress and is unacceptable. 

I urge Upstart XXXX to correct this erroneous late payment report and restore my credit score to its previous level. Their misleading practices and failure to communicate properly have resulted in unjust harm to my credit rating. 

Loan Summary : Loan Amount : {$1000.00} Outstanding Principal : {$590.00} Unpaid Accrued Interest : {$0.00} Loan Number : XXXX Interest Rate : 15.35 % Origination Date : XX/XX/XXXX 2021
Product: Checking or savings account

I opened my new Citibank business checking account with an offer up to a {$2000.00} cash bonus at Citi branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

The bonus term : To qualify to earn up to a {$2000.00} cash bonus, open a new Citibank business checking account between XX/XX/XXXX, and XX/XX/XXXX. Then, make a qualifying deposit in New to Citibank funds to an eligible account within 30 days of account opening and maintain that balance for 60 consecutive calendars days. The cash bonus will be credited to your Citibank business checking account within 90 days from the end of the month in which you completed all offer requirements. 

My new Citibank business checking account was opened on XX/XX/XXXX and new to Citibank funds {$100000.00} more were posted on XX/XX/XXXX and XX/XX/XXXX. So, my new funds in Citibank within 30 days of my account opening. 

{$100000.00} more funds were available on XX/XX/XXXX and need to maintain to XX/XX/XXXX for for 60 consecutive calendars days. I maintained my fund until XX/XX/XXXX which was more than 60 days. 

I should receive my cash bonus {$1500.00} by XX/XX/XXXX but I did not. So, I contacted local branch and the manager told I need submit W-9 form then I sent my W-9 form to the banker who opened my Citibank business checking account . My W-9 form was submitted on XX/XX/XXXX. 

As of today XX/XX/XXXX I still not receive my {$1500.00} bonus since my Citibank new business checking account opened on XX/XX/XXXX
Product: Mortgage

On XXXX XXXX 2017 I asked bank of the Ozarks in XXXX Al for the pay off on my property and they told me that they cant give it to me in person that they have 7 days by new government law to send it in email. In this time they added XXXX to the pay off by attaching a charged off loan from years ago to it and also I payed my car off years ago and they did n't return the title
Product: Credit reporting or other personal consumer reports

I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent charges were made on my bank of America credit card. These charges were eventually removed, after contacting the company on several occasions. They are now, however, reporting late payments to my credit report for the period these fraudulent charges remained on my account but unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my XXXX report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my XXXX Report. I have never heard of this company. I show an inquiry for XXXX on XX/XX/XXXX on my Equifax report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my XXXX report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my XXXX report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for Equifax. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for XXXX and another on the same date for XXXX. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my XXXX. Again this was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION XXXX The below accounts are preventing me from obtaining employment and they are totally not correct, and I want these accounts deleted immediately. 


XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all XXXX  bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX  XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX ( b XXXX collections must be 100 % accurate across all three bureaus. I request validation under XXXX XXXX XXXX XXXX Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you XXXX be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Provision of Dispute Results to XXXX : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this time immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX - Account # : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Mortgage

I started the loan process normally to get a loan and purchase a nes home. I realized later that they are trying to discriminate us in regard of theirs pratices. They asked me to provide documents at least 10 times the same documents sometimes without a clear explanation. They would to deny after I added my wife they asked us to provide 2 years of paystubs we did it. And they asked me a private question " why I want to move from here to the new place '' they wasted time we missed the first settlement date on XX/XX/XXXX and I was penalized because I already scheduled a tenant for my current house and got transfer offer from my company to the new location... they were still about asking the same things to waste the time again. The Realtor scheduled the next closing for XX/XX/XXXX and at this time they asking the same thing to waste time for example to provide the homeowners insurance contact... she already emailed them about this process many times. The asked me to explain the Lender assistance on my current mortgage ( a debt of {$2200.00} for 10 years without interest with the balance of {$1900.00} ) I said i don't have statement for 12 months and they have the mortgage company contact for now there are the both documents they require that I provided at least five times yet. The rate bock at 6 25 % and will expire on XX/XX/XXXX where everything will change. I suspect that they intend to change the loan conditions... the mortgage counselor didn't respond to my mails he leaves like mystery invade everything. The would me to pay for appraisal twice ( {$750.00} and {$800.00} ) to discourage me
Product: Vehicle loan or lease

I leased this vehicle until Lease was finished with GM, then purchased vehicle through XXXX XXXX placed a down payment signed contract, and paid a car payment, then I was told the car was paid off by XXXX XXXX. I was unable to make car payments, I called XXXX  and was told to call gm and they said return vehicle I wasn't given my down payment back. Gm came took vehicle and sold it cheaper than what I was making payments for in XXXXXXXX XXXX car auction and then place a {$35000.00} charge on my credit report.
Product: Debt collection

I believe this is a robocall, but it is a harassing call claiming that they are debt collectors from some Progressive Management Systems Debt Collection. 

The number they provide to be removed XXXX sounds bogus, and a XXXX search shows many others complaining that even calling this or the other number back actually damages and ruins your credit. 

The other number is XXXX.
Product: Mortgage

I filed for bankruptcy in XX/XX/XXXX and was discharged in XX/XX/XXXX. Yet today Real Time Resolutions wrote me about collecting a debt on my house. The house address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The original account number ( on the Real Time invoice ) is XXXX. It is illegal for them to contact me since this house was surrendered as part of bankruptcy in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had Equifax subscription for almost XXXX years. Earlier in XX/XX/2018 I made an attempt to log in and could not. I called the following morning and was informed to call to call back in two hours. I fell asleep and did not call back. During the week of XX/XX/2018 I made another call but could not be directed to a live person. On XX/XX/2018 I made another attempt and was told they were conducting maintenance and call back in two hours. It was that day that I subscribed to XXXX XXXX. On XX/XX/2018 in the afternoon I called once and was told maintenance was being done and to call back in two hours. On the morning ofXX/XX/XXXX I made another call was told they were conducting maintenance and to call back in 24 hours, In anger I hung up the phone. I called CFPB to file a complaint and was directed to file as I am in this message. This is peculiar activity, I am trying to cancel my subscription.
Product: Prepaid card

RushCard had scheduled maintenance for XXXX XXXX from XXXX XXXX to XXXX XXXX well on XXXX XXXX at XXXX XXXX they stated it would be a little longer and they would fix the system issue well long story short its XXXX XXXX and my funds on my card has been lost and their cutomer service line is down and my payroll deposits and my other deposits are suppose to be on my card on this day XXXX XXXX and i have important bills thats due..it one thing to give a time frame and i prepared for the update but its gone to long and i cant access my online account or anything the website is down and each update that rushcard puts on facebook its a new issue. first it was maintainace now its an outage. well i was able to call my card after hours an check my balance and its not my correct balance. it money missing i cant get in touch with customer service because they are not picking up the phone and on XXXX XXXX at night i sat on hold for 58 mins before i gave up and hung up
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you update my credit report and remove the public record that is currently listed.
Product: Checking or savings account

I recently spoke with an attorney that let me know that charging an overdraft more than once for the same item is illegal. I brought this to my banks attention way after I had already asked them about these overdraft fees and was told that is how it works. I now see that they only charge me one time per items that were overdrawn. I then asked if I only have an overdraft amount of {$600.00} why is that when I reached the {$600.00} dollar point why would they then allow it to go through. There were so many times in the past that I couldnt over draw the full XXXX amount but if I did {$100.00} by {$100.00} at a time they then would allow all 6 of the overdrafts to go through just seconds later. I feel as though this needs to be looked into. Its downright evil and so wrong. My XXXX XXXX XXXX on an appliance delivery job we were on back on XX/XX/2018, I am now a single mom and feel like I have been taken advantage and basically robbed of my money.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX unsure of the exact day ), a derogatory debt was reported on my credit report. I called the lender, which was now in collection with National Credit Systems in XXXX, GA. I talked to a Ms. XXXX XXXX with the credit company. She explained that they had to investigate with the apartment company that the debt was with. She requested I send copies of two ID 's ( driver 's license and social security card ) to verify my address and identity so that they can investigate and remove the error from my report. I sent the information, but nothing happened. After talking to her several times, she finally transferred me to another person without even explaining that she was transferring me. She did this multiple times when I called her. I don't know if this is a scam or someone that is rude. The XXXX has many complaints on this credit company, but they verified that it was a legitimate company. 
Company : National Credit Systems Address : XXXX. XXXX XXXX, XXXX, GA XXXX Phone : XXXX ( ext. XXXX ) Ms. XXXX XXXX
Product: Bank account or service

Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry.
Product: Debt collection

I noticed a fraudulent loan and address on my XXXX credit report. I called XXXX to dispute the Affirm loan and addresses associated with the loan on XX/XX/24. I also called Affirm customer service to dispute the loan and address with them directly on XX/XX/24. The Affirm customer service representative asked for the phone number and email associated with the account. As I did not make the account, I do not have the phone number and email used. I offered to give the physical address associated with the account and the loan number, but the customer service agent refused to assist without an email address and a phone number. I asked to speak with a supervisor and the agent refused to transfer me.
Product: Money transfer, virtual currency, or money service

get scammed on line for a watch purchase by one i believe being a legit XXXX  seller as part of the XXXX  sell and buy sectio XX/XX/year> .sent XXXX dollari