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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Violated The Fair Department Collection Practices Act and the Fair Credit Reporting Act. 

Midland furnished deceptive billing statements and is using the statements to justify and to collect more than I owe. 

XXXX XXXX  / XXXX original owners of the application credit card contract received seven additional payments of {$150.00} after the account was charged off on XX/XX/XXXX. XXXX XXXX XXXX was aware of the situation and deleted all trace and information from my credit reports. 

Charge of Date : XX/XX/XXXX. 

1. XX/XX/XXXX, {$15000.00} 2. XX/XX/XXXX. {$150.00} 3. XX/XX/XXXX. {$150.00} 4. XX/XX/XXXX. {$150.00} 5. XX/XX/XXXX. {$150.00} 6 XX/XX/XXXX. {$150.00} 7 XX/XX/XXXX. {$150.00} Second, violation of the FCRA by Midland in not notifying to the credit reporting agencies that my account is under settlement agreement and that account is under dispute. In addition, inaccurate information has not been corrected from my credit report within the 30 days of my dispute. 

Third violation by XXXX XXXX XXXX was objecting to the court and myself upon request of the original application contract is a violation of the law and my rights. 

Final violation by XXXX XXXX XXXX. " Under the FDCPA, a collector is required, within five days of the first contact is required sending, in writting, a notice of my right to dispute the debt. Failure to do is a violation of the FDCPA. '' For XXXX XXXX XXXX the first contacted was the filing a of lawsuit and thereafter I was sent a letter of my right to dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$650.00} Removed XX/XX/year> & Replaced XX/XX/year> I requested proof of agreement between myself XXXX XXXX XXXX XXXX which does not exist as I have not entered into any agreements with this collector that would allow them to report to any XXXX  about any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 received BBVA Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with BBVA for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.
Product: Checking or savings account

I opened up this checking account on XXXX XXXX, 2022, for the bonus promotion. I deposited {$50000.00} 2 weeks later and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1000.00} bonus per the terms and conditions of the bonus but I have not received anything yet. Please credit my {$1000.00} bonus as the terms stated.
Product: Credit card or prepaid card

Barclays was contacted today in regards to a due date change. I have been contacting them since XXXX for the due date Change since I am a victim of the pandemic and can not make a payment on the first of the month since XXXX my payments have been late most paid by the 5th but the first is impossible. I have been told by reps that when my payment cleared they would go into the account, change the due date and then contact me. To no avail. 
XX/XX/XXXX at XXXX I was told by a rep that even though the account is in good standing that my due date can not be changed. I was informed that due to me contacting an outside agency which is only this one ( consumer protection agency ) he informed me a letter must be sent by this agency before they can make any changes to my account stating they are no longer legally representing me. 
I was fully under the impression that this agency ( consumer protection ) was not a legal entity and can or will not give legal representation. Barclays has illegally recently answered a dispute filed by XXXX  stating that a payment for XX/XX/XXXX was 30 days plus late when the rep and my XXXX  account has confirmed that a payment was made on XXXX XXXX 4 days after the due date no where near 30, I have begged and borrowed to pay this account and have been illegally penalized in so many ways but the main issue is being penalized for contacting this agency is illegal, the phone call was made at XXXX on XX/XX/XXXX and will be subpoenaed if required, this is extremely unfair and illegal from falsely reporting to robbing me every month now since XXXX for a late fee when I been asking for a due date change that has never happened. 
This bank has gotten {$180.00} from me in late fees since XXXX. This bank has also illegally penalized me for contacting this agency and informed me that this agency must send a letter before anything can be changed on my account. This is extremely unfair and unconstitutional
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and trans showing inaccurate information sent police report and idtheft letter fcra violation
Product: Student loan

I am a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.
Product: Money transfer, virtual currency, or money service

So I spoke to some one they told me 30 days to hear back from merchant ok on one of my dispute it has been past 30 days the other one is almost close to 30 days. I told them that the merchant would not contact them cause I have tried multiple times. Well I asked the supervisor a question and she rudely hung up on me. I normally do not have this problem. I was also told they were suppose to give me a refund after 10 days until settled and they didnt even do that. I just want the money back cause I didnt receive the items.
Product: Vehicle loan or lease

( I submitted an earlier complaint and was given a completely irrelevant response by Credit Acceptance which I will upload for review. I also am working on getting a local attorney. ) I have a predatory auto loan for a XXXX XXXX XXXX that I got used from a XXXX Dealership in XXXX, Oregon in XXXX of XXXX. I was mislead by the dealership and wasnt aware of the amount being financed for this car which already had high mileage. The interest rate is so high that I cant pay down the principal. When I missed a few payments after losing work they started adding up as the car payment alone was {$500.00} a month. This severely hurt my credit score which went from a XXXX down to a XXXX. Which in turn impacted my ability to trade the car in at a different dealership to get out of this loan. The car has been valued at {$5000.00} at most for trade in, Credit Acceptance wants {$15000.00} for a car that isnt worth that at all. To make matters worse, the tires were bad and I had to spend an additional {$700.00} on new tires and the transmission is starting to slip even though I have kept up on fluids and routine maintenance Fixing that issue would be more than the car is worth. I noticed that Credit Acceptance was being sued by the CFPB. Im also looking into getting a local lawyer to see if I have a case. This has impacted my credit and my ability to get a decent rental ( housing ) as well.
Product: Credit card or prepaid card

I 've been a Chase cardholder for about 4 years and never missed a payment. I had 2 credit cards opened and tried to make purchases and found they were n't working. After contacting Chase I was coldly told that Chase does n't have to explain why they abruptly closed my accounts and they have a right to end the relationship.It is very bothersome as most of my credit was on these 2 cards. Furthermore, their actions will negatively affect my credit score and I have done nothing other than trust Chase with my credit score. I 'm very disturbed and would like an answer. I would also like to warn consumers that  Chase should not be trusted, they can ruin you with a heartless bat of an eye. Try XXXX, they care and are much more reliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX I disputed these two accounts on my credit report SBA never late XXXXXXXX XXXX never late I supplied information to transunion that payments were made on time and it should ve current. Transunion never sent me results and never looked into this matter. XXXX updated my account as paid off but late payments remained. Transunion did not verify the information therefore both accounts should be deleted off my report. 
XXXX XXXX personal loan not my account disputed many times and ask for my signature on contract, transunion failed to furnish me with that snd never sent results. This item should be deleted off my credit report immediately
Product: Student loan

This is to advise University Accounting Service , LLC, DBA UAS, LLC, that I do not owe and have not owed for over 35 years any student loans whatsoever. Having graduated in 1979 from XXXX University with a XXXX XXXX, all of my student loans to XXXX were satisfied in full back in the XXXX. Given the many years since they were paid, I do not have any written proof. However, as I recall, all student loans were fully satisfied in a 5-year repayment plan under a Chapter XXXX bankruptcy. The plan was satisfied in full and, if any balances on the loans remained, the balances were discharged under the terms of the Chapter XXXX. Therefore, be advised that I have not owed nor have I been billed for any student loans for well over 35 years. 

In conclusion, I believe your current attempt to bill me is a SCAM to dun seniors for loans satisfied years ago anticipating that all paperwork to prove the loan satisfied is no longer available. 

This is to request you desist from your false billing. I am reporting this attempt to collect from me as the SCAM against senior citizens that it is.
Product: Prepaid card

I am a Victim of fraud someone stole my card and used it ... I disputed charges and they were denied in letter it said I can request which documents they relied on on making decision
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus ( EQUIFAX, XXXX, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ 0 Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last  payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
Product: Mortgage

My Daughter XXXX XXXX and I have been trying to work with Cross Country Mortgage trying to resolve an escrow issue that I do not have the responsibility for paying. I signed a note that said my payment was to be {$570.00} per month. Then shortly after my payment went up from that amount to {$580.00}. I do n't understand why. Also, my mortgage company never paid my insurance escrow. So they put forced placed insurance on my loan due to their negligence of not ever paying my insurance company XXXX XXXX. I have never missed a {$580.00} payment since I began paying 2 years ago. They are now trying to collect {$2000.00} from me due to their negligence. I have never been without hazard insurance. My daughter faxed in my insurance information to them several times to show that I never had a lapse, and we spoke with XXXX XXXX and they also faxed it. Cross Country has ignored the paperwork. This has not helped. My Daughter spoke with the CEO of the company. That has not helped. Now they are reporting mortgage lates on my credit report lowering my credit scores. They have also sent my loan to loss mitigation. I have tons of loss mitigation letters that they keep sending. They have refused to rectify this situation from the beginning when I first bought the house. My insurance XXXX has also indicated to Cross Country Mortgage that I have never had a lapse in coverage and faxed in proof several times. If I ever did have a lapse, it was due to the Mortgage Company never paying for my escrow account. If I have a lapse now, it is as a result of Cross Country not paying my escrow account again. Again, they refused to remedy the issues. Instead, they keep trying to collect the money from me. It is n't my responsibility to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX XXXX Creditor is netcredit Balance {$1500.00} Multiple payments have been paid on this account and is still being reported late. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 Account name : XXXX  XXXX Account Number # XXXX Opened XX/XX/2014 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information as inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021 I noticed a fraudulent charge on my Citi XXXX XXXX card for an XXXX ride I did not order. The amount charged fraudulently was {$67.00}. I checked my own XXXX account and confirmed there was no recent activity. I immediately went online to dispute the charge. The website said I could not dispute the charge until it had posted, which I thought was a mistake since someone had my card information. I called the number on the back of the card to report this. The representative I spoke to told me that he would need to transfer me to another department. He then hung up on me. 

Following being hung up on, I used Citi 's online chat feature. This representative let me know that my account now had a fraud lock on it, and I would have to call the fraud department. Using the number provided, I called the fraud department and was again hung up on by that representative after answering the same questions I had answered with the first two representatives. 

I returned to the chat representative who told me to call in again and request to speak to a manager. I did, but the representative on the phone said she could only transfer me to a supervisor. The supervisor said that there was no manager available, and I would be called back within 24 hours. I never received a call back. 

The supervisor on the phone was ultimately not able to help me, as the fraud lock required she verify my identity which for some reason she was unable to do. The fraud in this case was not detected by Citi at all, I alerted Citi of it when I called. 

After receiving a validation letter to verify my identity a few days later, I called back and was disconnected by their automated service. I called again and was finally able to get the card cancelled and a new one sent. 

On XX/XX/XXXX I received a notification that my dispute had been denied, and their credit was reversed. The " proof '' supplied by the merchant was a receipt written to someone named XXXX. My name is not XXXX. The XXXX ride took place in XXXX XXXX XXXX, where I have not been in years. The only information provided for the billing address is " XXXX '' which clearly does not match my account. The contact email and phone number provided by this person also do not match mine. I have a copy of the documentation provided by XXXX to Citi and have attached it below. 

As requested by Citi, I signed a document affirming that " Neither I nor anyone authorized by me made this charge ( s ). '' I emailed this to them at the provided email address on XX/XX/2021.
Product: Debt collection

IQ Data is attempting to collect a debt not owed. It is illegal to sale and purchase fictitious debts for profit. The company that they are attempting to collect a debt from is XXXX XXXX XXXX whom I have experienced multiple accounting errors with prior to being released from my rental agreement which I have proof of. I paid a {$1500.00} deposit which I was told I would forfeit. However the leasing consultant XXXX XXXX gave false account on my move out summary and did not apply my deposit. I contacted XXXX XXXX XXXX  to discuss the matter and to my surprise I was blocked from communicating with them. How can you can one make claims that a consumer owes a debt but refuses to discuss the matter with the consumer? The reason why I was blocked from contacting corporate is because the account statement turned over to IQ Data was both fraudulent and fictitious. In addition, as I mentioned previously I was released from my lease agreement with XXXX XXXX XXXX and after signing a release form which I never received the countersigned form back from XXXX XXXX who is head of the legal department with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove any false or unauthorized entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full to tax lien in California. but they not release the lien from my credit report. I have filled dispute with transunion credit agency but still not remove lien from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.
Product: Checking or savings account

We started a nonprofit and opened a Wachovia checking account XX/XX/XXXX. I still have the signed contract. There was to be no monthly fee. Then in XXXX of XXXX Wells Fargo ( changed from Wachovia ) started charging us {$14.00} a month service fee. However, unfortunately, there was a tornado that hit the house we were using for our nonprofit about that same time and our nonprofit came to a stand still, as a result we did not notice fees being charged as we were not active at that time. In XXXX of XXXX we started looking at starting up our nonprofit again and noticed this {$14.00} a month charge. We called Wells Fargo and they gave us six months of the fees back. I ask the gentleman if these fees were going to continue each month and he said no, we don't charge those fees to anyone anymore. I would be interested to know why they had no problem changing our contract and charging us the {$14.00} per month without any notice, but when they decided to not charge the fee they did not go back on their own and stop charging us. I was directed back to the branch manager for the rest of the money, that did not work so I followed the chain of command until I reached XXXX XXXX XXXX and he told me he was the last step and he could not assist.
Product: Credit card

USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

My WF Visa credit card information was stolen and {$2300.00} fishing depth finder was purchased with it. The item was shipped by XXXX to my home where someone else signed the name " XXXX '' and the XXXX driver gave them the package. The item was ordered with an a XXXX  account using my full first and last name, that is not my email address. My name is not XXXX and I was not home when the item was delivered. I have opened a police report to investigate this fraudulent purchase. Wells Fargo denied my claim and my appeal.