23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I called Concord and I spoke with XXXX who took a payment because I was trying to access the website from XXXX to make payment and the page to make a payment would not load. He told me he was aware of that the website was having issues and he took the payment and waived the late fee. I asked him if this payment would cause a 30 day delinquency and he said it would NOT, and not to worry because they only report 60 day and higher delinquencies. On XX/XX/XXXX I called and spoke with XXXX and XXXX after seeing that I did indeed get a 30 day credit marker. He told me he would speak with his supervisor and have the call reviewed to confirm if XXXX DID indeed tell me that I would NOT get the marker and that someone would call me back, to date I have not gotten a call back or a reply to 2 email communications that I am attaching and the credit marker has not been removed. I have since gotten another marker and they told me on at least 2 phone calls that they only report 60 day and higher delinquencies I have all communications documented. On XX/XX/XXXX I spoke a young lady who told me a XXXX XXXX would review the calls and get back with me, which has never happened. This matter has affected my credit score and I missed a home purchase offer because of this. This has been mentally and emotionally draining. I have requesting a copy of all communications I have had with this company since XX/XX/XXXX. I have asked them for an address or contact person to have the call recording subpoenaed. The reporting on my credit report is not complete. The time share loan was opened in XXXX of XXXX but Concord did not start reporting payments until XXXX of XXXX when I went past due, due to me being set up on auto pay and my bank went through a merger and our debit card number changed and I didn't remember to update the card which was indeed my fault but as I explained to them I was paying every month on time and then they only start reporting me once I was behind, I do not believe that that is right. They are not giving me credit for my on time payments prior to the delinquency. I am desperately in need of help because I am not able to purchase a home because of this. I have 9 other open lines with no delinquencies. I again got another marker in XXXX because I called on the XXXX  which is the payment due day and they said because it was 31 days past due. I didn't understand that if my payments are due on the XXXX of each month. Because I had been told anything under 60 days is not reported I thought I was ok. No, another 30 days delinquency. I need these calls reviewed because if I was given correct information these credit markers would never have happened. I feel I am being taken advantage of and being that they have not responded to my emails or returned my phone calls they are very much aware they are wrong. They are currently only showing me with 7 payments made when 17 payments have been made which is causing my payment percentage on this loan to be 70 % due to the delinquencies which is damaging my score tremendously. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX  XXXX # XXXX
Product: Debt collection

I keep getting harassed by someone claiming to be a process server on behalf of XXXX XXXX from XXXX XXXX XXXX @ ( XXXX ) XXXX x XXXX. 

They are claiming that I owe a debt and is threatening to take me to court or arrest me. They left me messages detailing my Name, Date Of Birth and address. 

This has to stop.
Product: Credit reporting or other personal consumer reports

I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ( 13 ) ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME AND I WANT THEM REMOVED RIGHT NOW! I SPOKE WITH AGENT XXXX FROM EXPERIAN AND HE DENIED HELP.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Debt collection

I was with XXXX XXXX XXXX at my old house. I did not transfer them to my new house. I tried several times to talk with someone there. When I finally did talk to someone I was told because I had them for over 6 months that I was an XXXX customer. I stayed with XXXX at my new address. I was in contact with XXXX XXXX at XXXX XXXX through email where he told me that the cancellation or move fee was not waivered however since I was still with XXXX he would waive them and that he just needed to have my new address. I gave him that, and never heard anything else about it. I then get a collection letter from Hillcrest Davidson. I called and XXXX with XXXX who told me that I would need to provide him with proof that I did not owe the debit. I sent him the email, and I also called them to make sure they got the information. XXXX was rude from the beginning of the call. I tried to explain to him the situation and that it was already taken care of. I asked him to get in contact with the company ( XXXX XXXX  ) to verify, and to please mark this as disputed until that is taken care of. He told me not to tell him how to do his job. I asked to speak with a supervisor because the conversation was not going well. He hung up on me. I called back and he gave me to XXXX. This man was not any better, and when I told him I didn't want to talk to XXXX, and that I needed this to be handled. He told me that XXXX is my rep and I will be talking to him about this. I have emailed XXXX as well again to find out why this went to collections. I do not owe this bill, and I am still with XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX
Product: Mortgage

I have been with Ditech as a mortgage service company for many years. Every month i pay my bills on time through my bank 's bill pay service. Beginning in XXXX Ditech stopped applying the payments to my account and began a constant harassment via mail and phone towards me for non payment on the account. I have gotten my banks bill pay department to supply all proof that the money was paid to Ditech for both XXXX and XXXX XXXX payment. I have called and talked to them at least 12 times in the last month and they always reply that they are researching to call back in 3 days. It has been 2 months now. This week i told them to either resolve the payment application to my account this week or i would initiate legal action against them.
Product: Credit reporting or other personal consumer reports

The items on my credit report are currently tied to pending litigation due to reporting errors. Since these matters are under legal review, the disputed errors can not be verified. Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed.
Product: Checking or savings account

This complaint is regarding citibank 's inability to stop fraud on my account and then not reimbursing XXXX checks of my retirement money. 

The account I am talking about is mine and my wife'e joint account On XX/XX/XXXX around XXXX I opened up the citi mobile app and I saw fraudulent transactions. I right away called customer service and reported the unauthorized transactions. These are the following fraudulent transactions reference number XXXX - fraud deposit if {$5100.00} reference number XXXX - unauthorized withdrawal {$800.00} and {$200.00} reference number XXXX - unauthorized teller withdrawal {$2300.00} reference number XXXX - unauthorized withdrawal {$1000.00} My XXXX  social security deposit was deposited on XX/XX/XXXX - which is obviously after I reported the fraudulent activity. 
In the beginning of XXXX citibank had me open a new separate account. On that account in XX/XX/XXXX I got my next social security deposit. 

On the week XX/XX/XXXX I spoke to the bank on the phone to understand what was going on. They told me both of my accounts- both the original one with the fraudulent activity and the newer one they had me open in the beginning of XXXX- would be closed and did not give me a reason. 

On XX/XX/XXXX I went to my branch in XXXX XXXX, NY to discuss this and explained how was I supposed to live without my retirement money. They just told me to make a police report and submit for camera footage to be pulled to find who withdrew money from XXXX XXXX XXXX  which I have never been to. That day I filed a police report. 

That night we saw my wife 's separate citibank account- which is a separate account and NOT linked with this account- was blocked. When we called to ask about this, citibank did not give us a reason and instead used berating language with my family On XX/XX/XXXX I went to the branch to get my money from my account as I no longer wanted any relationship with this bank. However they refused to give me my XXXX  money - which is a total of {$3000.00} They also did not let me close my accounts saying that citibank will close it from their end. I find this extremely disturbing as this makes it look like I did something wrong and citibank wants to end their relationship with me. But the truth is that THEY FAILED to protect my account despite being their customer for many years and now I want to end my relationship with them. 

How am I - a retired person with no other source of income - supposed to live with my retirement money? They did not even give me my money from the new account they made me open in XXXX. How do I survive now? The amount of XXXX  XXXX  my family and I have been through has been awful. My wife is a patient with XXXX XXXX XXXX and felt XXXX  on the night of XX/XX/XXXX when all of this was happening that we had to keep checking her XXXX XXXX all night to make sure she was okay
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXXXXXX {$110.00} XXXX XXXX XXXX XXXX {$97.00} XX/XX/2023 Same Accounts XX/XX/2023 Same Accounts Ive contacted the companies and Credit Bureaus All I get in return are they have identified that these belong to me. These accounts have been charged off and are still open revolving accounts damaging my credit score. I did not receive a 1099 from the IRS. These are noncompliance FCRA regulations and need to be removed immediately
Product: Credit card

On XX/XX/2024, I responded to a mailed ad for a USAA XXXX XXXX. I was approved for a {$12000.00} limit. However, once I started getting mailings showing they based my XXXX of a fraudulent XXXX XXXX, I immediately reached out to both USAA and XXXX ( USAA claimed XXXX was the source of the XXXX XXXX XXXX ). When I asked XXXX why they reported a XXXX score when their website shows a XXXX, XXXX said they have no idea where USAA got that score from. When I contacted USAA with this information, they asked me to submit a credit dispute form. The investigation resulted in USAA saying they were under no obligation to dispute credit scores. The card was subsequently cancelled and this complaint submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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: Money transfer, virtual currency, or money service

I have a Money Network debit card through my company, XXXX XXXX. On XX/XX/XXXX, I transferred {$450.00} to my fiance 's XXXX XXXX XXXX account as I have done many times over the year. I put the money into his account so I can send my landlord an e-check to pay our rent as this saves me a {$15.00} fee, as opposed to using my debit card to pay it. This time, by XX/XX/XXXX, it still hadn't arrived there, so I called the number on the back of the card, ended up at a call center in XXXX. I explained the situation to her, that this was my rent money that was missing, she said there was nothing they could do and that I should call another day. I called on XXXX, then again on the XXXX, XXXX, XXXX, the last call being on the XXXX. At XXXX point they said they were sending this to 'research ' to look into what happened. I've spoken to call center personnel, supervisors, and a manager. On XXXX, the manager told me that I would have to file a dispute, that she would send me the forms in the mail for me to fill out and send back. I begged her to email them to the email address they had on file for me on my account but she refused. They FINALLY arrived late on the evening of XX/XX/XXXX, as I was on my way to work, I filled them out there and sent them back on XX/XX/XXXX. The day the forms came in, I also received a letter dated XXXX, it said that they had completed an investigation of the 'dispute ' on my card and had determined that 'no error occurred ' and that the dispute claim had been closed! If there was no error, then where is my money??? The dispute form I received that night also said that it could take up to a total of 90 days for this to be resolved. I spoke to XXXX XXXX XXXXXXXX on XXXX, and they do not have the money. Because of this mess, I ended up paying my rent late, they charged me a {$50.00} late fee..Money Network also charged me a {$3.00} transfer fee for money that never arrived at its destination. Because of Covid, I have only worked sporadically, I work as a Security Officer in XXXX, and the shows I get scheduled for keep getting cancelled. That {$450.00} is going to be a problem again for me at the end of this month because rent is due and XXXX XXXX  XXXX check has already been spent because he had to cover the {$570.00} rent payment, so some bills that need to be paid had to be put off or allowed to lapse, like cable, cell phones, auto insurance, and his special dietary considerations due to having XXXX XXXX XXXX on XX/XX/XXXX. Please help me! Thank you for your time.
Product: Credit card or prepaid card

I mailed XXXX remittance coupons ( over the course of a few months ) and they kept my remittance coupons but did not credit my account. 

The first XXXX were sent to XXXX XXXX, XXXX. The XXXX office acknowledged having received them ; did not return them ; yet did not process them. The next XXXX were sent to the payments processing center ( XXXX different credit cards x 2 months ). 

The next XXXX were sent to XXXX XXXX, XXXX. I have the tracking numbers and XXXX receipt. Some of the ones sent to XXXX XXXX, XXXX were new remittance coupons ; while some were copies of previous ones he and/or the payments center ignored. 

That's XXXX breaches of contracts, as I am the agent of behalf of the principal and I instructed them to credit the principal 's account yet they failed to perform. 

I informed them ( the first few times ) that they must credit my account whether they accept my coupon or not because as per UCC 3-603 ( b ) when tender of payment is refused, there is discharge. Therefore, they are in violation of UCC 3-603 ( b ) XXXX times. 

They have already acquiesced to this violation 3 times, by not responding to my letters in which I told them, " Failure to respond via affidavit is acquiescence. '' In addition, they have already acquiesced 3 times to following : - Violation of US Code 1601 ( transparency in consumer credit transactions ) - 12 CFR 1002 ( Equal Credit Opportunity Act ) ; - Securities fraud ; and - Trust fraud I gave them ample time to respond, stating in no uncertain terms that failure to respond is acquiescence. I offered them opportunity to request an extension. Yet they neither responded nor requested an extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I bought a house through XXXX XXXX company. I lived in the house until I sold it on XX/XX/XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of XXXX XXXX was bought out by XXXX XXXX  and it appears on my Transunion account even though the XXXX account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to XXXX on XX/XX/XXXX and XX/XX/XXXX. I spent over an hour and a half on XX/XX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the XXXX XXXX board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.
Product: Credit reporting or other personal consumer reports

A number of items were verified with out proof supplied to me as the creditor, I have a quit claim deed in which I have a court order to give the home to my husband and I did a quit claim deed giving up my rights to the home and still have it reporting on my credit as XXXX XXXX Experian and XXXXXXXX failed to remove my mortgage off my credit I also have instructions listed in the attachments below. Please correct this quickly as my ex husbands credit worthiness and financial situation is affecting my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On 5/30/2022 a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. Equifax failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report May 2021 presents willful noncompliance.

In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.