23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I revoked the Power of Attorney from XXXX. that I gave to them and asked that the Power given to XXXX be coveyed back to XXXX XXXX. Also Nation or XXXX has not responded to the QWR or the proof of claim i sent to them. Prior to this, I 've tried to work with them on many occasion to work it out for an affordable modification no luck at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX  shows me as 90 days late on a payments from  2015 . All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate late payments from my accounts. My accounts have never been late.
Product: Debt collection

XX/XX/XXXX Hello I am requesting an investigation into this inaccurate reporting to XXXX and XXXX by XXXX XXXX XXXX who has sold the debt to Enhanced Recovery Collections. In addition, please investigate why they did not fulfill their agreement for payment to delete all my credit reports after they received payment. 
It can also be XXXX, here is the reported collection on my credit report. 
See attached letter for evidence of reported collection on my credit report. 
This is the information to reach Enhanced Recovery Corporation ( ERC ) Debt Collection Phone : XXXX ( Call this number to contact ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXXXXXX Email/Contact : Contact Enhanced Recovery Corporation ( ERC ) using the form located on this page : http : //www.ercbpo.com/contact/ Website : www.ercbpo.com This collection was paid with the commitment by XXXX XXXX XXXX  to remove the collection from my credit report with all three credit bureaus and they failed to follow through with the commitment. They only removed it from one credit bureau XXXX ( See above ). They were responsible for removing from all credit bureaus and they did not. Please investigate. 

This is the specific account evidence I have to prove my payment to XXXX XXXX XXXX : On XX/XX/XXXX, I paid {$400.00} with a credit card ending in XXXX to have them remove this collection from all three credit bureaus. The confirmation of this transaction and agreement is XXXX Attached is a snippet of the payment from my XXXX XXXX Account, it cleared on XX/XX/XXXX from my bank. 

I paid this to XXXX XXXX XXXX, and they still sold it to Enhance Recovery and is still listed on my credit report for XXXX and XXXX. ( See above ) I would like to have this investigated immediately and removed from all three credit bureaus immediately. 
They agreed that with payment, they would delete the debt from my credit report on ALL THREE CREDIT BUREAUS. 
Please look into this matter as soon as possible. 
Thank you for your time. 
XXXX XXXX XXXX SS # ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15USC 1681a2 I have never given Experian, XXXX or XXXX permission to have accounts furnished on my credit report. They are in Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Experian Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that need to remove : XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/202XXXX XXXX-Date of inquiry XX/XX/2021
Product: Mortgage

TD Bank accepted and processed my Additional Principal payment of {$5000.00} immediately on Monday, XXXX XXXX, 2016. The money was withdrawn from my account instantaneously. The payment still had not been recorded as of Monday, XXXX XXXX, 2016, after fourteen ( 14 ) days. When inquiring about the status of the payment at my local bank branch both the Branch Manager and Customer Service representative learned that the exact location of the {$5000.00} is unknown. I have no complaints and in fact compliment both the Manager and Customer Service Rep at my local branch because they did all they could but even after an hour there was no resolution. They promised to pick up the trail today. 

The loan department indicated that this is an ongoing problem at TD Bank mortgage division for IT reasons and that I should " call them '' in advance of making an extra payment - presumably so they can " look out '' for the transfer of funds so they do n't get " lost ''. This has happened to me before but the last time the money was " found '' after three ( 3 ) days. 

So I, as a consumer am being forced to give TD Bank an interest-free loan of {$5000.00} while my regular mortgage accrues an additional 14 days of interest. I view this as a tactic to discourage consumers from pre-paying the loan which is allowed under the terms of my mortgage. In addition, I am becoming seriously concerned about the solvency of TD Bank when they are hiding money for two weeks. If I did n't complain would the payment ever be recorded properly???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to pay XXXX and they are unresponsive to emails. They have reported to XXXX, XXXX, Experian that my account is charged off. They have also reported the account multiple times on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es XX/XX/90 days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.
Product: Credit reporting or other personal consumer reports

XXXX is being reported as late payments on my account but the account is currently under investigation for its authentication because I am sure I am not the owner of this given account. I need the reporting to reflect such data. I need the late payments as well as the account to removed while pending its investigation. XXXX has stopped reporting but the bureaus have not updated and taken the late payment from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( ACCOUNT NAME : XXXX XXXX XXXX ), has violated my rights. 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 instruction.
Product: Student loan

I needed to change bank accounts for autopay through Edfinancial and to do this I had to cancel autopay and set it up again with my new bank account. Auto pay allows for a 0.25 % interest rate reduction. I submitted my new bank information on XX/XX/year> and on today XX/XX/year> it is still processing. Per customer service it can take 1-2 billing cycles to process. I asked if the extra interest accrued since the interest rate reduction was not being honored would be reimbursed for the extra interest since submitting the autopay request. I was told no. There is no reason it should take 1-2 billing cycles to change the bank account associated with my autopay. This company just wants to take advantage of getting the most interest as possible by delaying the discount associated with autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice to remove inaccurate addresses and names from my XXXX report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Product: Debt collection

The credit card company is Capital One. They claim that I've owed an outstanding amount for the last 3 years on a credit card on my credit report. I have the original credit card. It began in XX/XX/XXXX and expired in XX/XX/XXXX. I stopped using this card more than 7 years ago, due to inability to pay. I am judgment proof. My only income is from social security and has been for quite some time. I am XXXX and can not work. I would like this removed from my credit report, as it has been more than 7 years since the debt was accrued. My other debts, such as federal student loans, were forgiven by the government due to my sole income from social security and my XXXX. Unfortunately, I have disputed this claim at least twice before. However, I recently found the original credit card from Capital One with the dates from XXXX on the actual card. I believe that the credit card debt collectors thought that they could say it has only been 3 years, because at first I could not find the card/information. I now have the card in my possession with the original dates. I also have paperwork to prove that my sole income is from social security ; I have no assets nor savings. I also have proof of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur the creditor has sold my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX, has violated my rights. 

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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Mortgage

During Covid, my husband and I elected to proceed with a payment deferral on our mortgage. XX/XX/XXXX, We received and signed paperwork to restart payments in XX/XX/XXXX. We resumed payments as we agreed in XX/XX/XXXX, today there is over {$10000.00} in a funds held account that Have not been applied to our mortgage despite my near weekly calls since XXXX. I received a multitude of responses such as the payment deferral is being processed or after three or four more payments the payment will be applied appropriately. We were assigned a home preservation specialist. I have sent him numerous emails with only one return phone call back. To date, over 90 days after my initial call and over five months after I returned the paperwork, no updates have been made to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/. I have call three times to bring attention to my credit score decreasing by XXXX points. Each time I was only given excuses and the customer service representative would only justify the decrease. I make all of my payments on time! I have no collects and no late payments. 
The only reason they could give me is that I have high balances. The balances are going down with my on time payments. Again my score should be increasing, not having the opposite affect. 
I have taken great responsibility for improving my credit and to see this negative impact, is flabergasting.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I sent this letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as REMOVE the Accounts from my report during the investigation period. 
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 card

XX/XX/2023 {$1300.00} I sent money for a product to be delivered. Here 's evidence for my dispute and all the conversations/proof. The seller never sent my item or tracking. 
I tried to pull as much info from the email of this seller and number from the store. I am possibly even seeking a police report/legal action if needed. 
I attached the docs/pdfs/invoice below for reference and our conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to equifax, XXXX, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before
Product: Credit reporting, credit repair services, or other personal consumer reports

MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.
Product: Checking or savings account

I was charged XXXX dollars for using a non-Bank of the XXXX ATM ( on XX/XX/2023 ), after I just tried using the Bank of the West ATM but it was out of service. It is the only bank ATM in town. I should not be charged for using a non-branch ATM when their only ATM in town is out of service.
Product: Credit card or prepaid card

This complaint is regarding the Citi XXXX XXXX rewards card ( gold ). It was an absolute mess from the beginning. I applied for the XXXX application bonus and recieved XXXX. Had to call in and then recieved an adjustment for an additonal XXXX. This adjustment is shown in my XX/XX/XXXX statement. 

I then create my XXXX account and find out i have XXXX points. I call XXXX and they told me they do not see any points on the account so they can not do anything. Fair enough, i can see SOME of my points on the citi side. 


So i call the citi number, tell me to call XXXX. I go back and forth TEN TIMES. Going through automated services. Each side pointing fingers at each other. 

I recieve a ticket ID # to give to Citi support so they know of the situation. Support has 0 clue what this ID number is. What is the point of my previous support creating a ticket and documenting my situation. I don't even know if he did. 

I can see I got XXXX points from my statements, which was my adjustment. Citi denies seeing points until i point out that fact. They give me a number that seems to be a hotel support line as the automated line asks for an itinerary number and can not move forward. 

Support told me they can see the XXXX points on their account. But can not see if any were spent or removed. Why? What is the point of support having access to +balances and not -balances? That makes absolute no sense. 

At this point i am stuck. XXXX will stick with seeing XXXX points. As i've called them 5 times. Citi refuses to investigate further. And directs me to a number that doesn't work. 

Absolute XXXX poor customer service with Citi. I will no longer do business with Citi and XXXX in the future. There seems to be a gap in documenting each customer services interaction. As each customer service i talked to had 0 knowledge of my situation. I have spent over 20 hours trying to get this figured out. And at this point it's not worth my time. I'll eat my {$95.00} and hit on my credit score and take it as a lesson to not do business with XXXX and Citi. 

Timeline : XX/XX/XXXX - Apply for XXXX XXXX XX/XX/XXXX - Recieve XXXX XX/XX/XXXX - Recieve additional XXXX XX/XX/XXXX - Call XXXX/Citi about points XX/XX/XXXX - Close Card, no resolution
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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 ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a WRITTEN SIGN CONTACT with my signature on it they have Failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair Credit Reporting Act. XXXX and XXXX  have Deleted this idea because they Don't have a SIGN CONTACT WITH MY SIGNATURE on it. How can Experian keep violating the FCRA? I want this account deleted ASAP do to them violating my rights and the Fair reporting act and Not put doosan a written contract with my signature on it
Product: Student loan

Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.