23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 or other personal consumer reports

I request that EQUIFAX and EXPERIAN remove or delete from my consumer report file TEXAS ATTORNEY GENERAL-CHILD SUPPORT Acct # XXXX XXXXXXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. Equifax Consumer Agency did remove the information but less than a week later they placed the item back on my consumer file. The CFPB complaint number XXXX, regarding the matter. 
I have come to realize that I am a victim of Equifax ignoring consumer documents and evidence submitted with disputes, allowing previously deleted inaccuracies to be reinserted into credit reports, and providing confusing and conflicting letters to consumers about the results of its investigations Experian used flawed software code which led to inaccurate consumer credit scores and Experian for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.
Product: Debt collection

Creditor was XXXX. Account was closed around 2021. While Account was on a forbearance during Covid Lock down XXXX reported negatively to credit bureaus, attempted collections while in forbearance before payments were due. Balance reported was much higher than actual balance and could not provide accounting for alleged balance. Almost 3 years after Account was closed I recieved a lawsuite without any notification to question validity of debt and accounting. Lawsuite was dismissed in my favor. Then XXXX began to play games reporting false balance owed, and reporting late payments of 40 months and more, as if Account was open. I filed a dispute. They changed status to charge off, but continue to file every month on this closed and lawfully dismissed Account. I am wanting all late payments reported removed from time of account closure.
Product: Mortgage

On XX/XX/XXXX, the refinancing of my Citibank , N.A . home equity line of credit ( known as a " Variable Rate Equity Source Account '' ) was completed. This was a typical no-costs refinancing, as indicated in the closing Disclosure Statement which listed each of the specific individual Closing Costs, and provided that these costs would be paid by Citibank. Later, on XX/XX/XXXX, I received a final Statement from Citibank for my paid off account, which included a line item called Early Closure Fee in the amount of {$3200.00}. I immediately contacted the Citibank Mortgage Loan Coordinator with whom I worked on the refinancing from application through closure. This Early Closure Fee was not mentioned in the closing Disclosure Statement or any of the other closing documents, was never mentioned at any time by the Mortgage Loan Coordinator after numerous emails and phone calls discussing the terms and details of the refinancing, always assuring me that there were no other costs involved in the refinancing. I would have never even have discovered this Fee, which was simply added to the closing Payoff Amount, if I had not reviewed the final Citibank statement that was mailed almost 3 weeks after the closing. For the next month, I emailed back and forth with the Mortgage Loan Coordinator, who admitted " It was my responsibility to catch that, and somehow it slipped by me, '' followed by emails assuring me that she was working with her managers, and assuring me that the matter was diligently being worked on and that I would hear from them. But since her last email to me of XX/XX/XXXX, there have been no more replies to my requests for an update. A number of times I requested contact information for her managers or others to whom I could escalate the issue, but she did not provide that information. Your help in resolving this matter would be greatly appreciated.
Product: Checking or savings account

I opened a Citibank checking account XX/XX/2024 over the phone. Sent over copies of my Driver License ( front and back ). Received debit card and set up XXXX onXX/XX/2024. Set up direct deposit on XX/XX/2024. Made two deposits thru XXXX to fund account on XX/XX/2024. On XX/XX/2024 I check my mobile app to find my account was changed to blocked. Contacted citi bank over 30 times trying to resolve the issue. They claim to have left voicemails with reference number. That would be the only way to verify my account. There calling an old number I had, they found on a credit bureau even though Im telling them I dont have that number anymore. Ive asked to just close the account and send me my Direct Deposit funds to no avail. Citi bank wont close the account they wont verify me and they are holding my pay check. Ever agent I speak to gives me a different reason whyIm not getting my funds. Today is XX/XX/2024 and things have still not been resolved.
Product: Vehicle loan or lease

To whom it may concern, I hope this letter finds you well. I am writing to report an unfortunate experience with the XXXX XXXXXXXX XXXX formally ( address XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, telephone XXXX XXXX XXXX ), which has led to significant inconvenience and financial detriment. 

Two weeks after the purchase, I received a call from XXXX XXXX, a dealership representative, informing me that the monthly credit payment would increase by {$50.00}. This unexpected increase was troubling, but what followed was even more XXXX 

XXXX XXXX proceeded to make persistent and excessive phone calls, amounting to more than XXXX calls per day, pressuring me to go to the dealer and sign a new document agreeing to the increased payment terms without any justification. I asked XXXX XXXX and XXXX, the sales representative, to write a letter explaining the reason, but they refused to write a justification. Instead, they were aggressive over the phone, using treats, and this behavior caused me considerable XXXX and XXXX 

Furthermore, yesterday, I received a call from TD Bank Auto notifying me that the XXXX XXXX dealer had failed to pay off the loan on the vehicle I traded in as part of the purchase agreement. This oversight has resulted in adverse consequences for me, including damage to my XXXX XXXX and reputation due to a delay in paying off the previous vehicle loan, which I had traded in XXXX weeks ago. 

Such actions by XXXX XXXXXXXX XXXX are highly unprofessional and unethical, and they have caused me significant financial and XXXX XXXX. I believe these practices warrant investigation and appropriate action to prevent similar occurrences from happening to other consumers. 

Therefore, I formally request that your organization investigate these matters and take appropriate actions against XXXX XXXXXXXX XXXX to rectify the situation and ensure that they adhere to fair and lawful business practices. Enclosed are copies of relevant documents such as the purchase agreement, communication records, and other pertinent information that may assist your investigation. 

I appreciate your prompt attention to this matter and look forward to your response as soon as possible. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require further information. 

Thank you for your assistance in resolving this issue. 

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

I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. Ally Financial, XXXX XXXX, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.
Product: Debt collection

Quantum collections is reporting that I owe a debt to XXXX XXXX XXXX XXXX on my credit reports. It is a debt that is not owed due to my family being XXXX XXXX military. XXXX XXXX XXXX XXXX   was provided with a copy of military orders in XXXX and again in XXXX. Quantum stated in XXXX that this debt was validated and refused to remove it or show proof of the validation they received. Ive asked multiple times by phone and have since disputed with the credit bureaus. I have also emailed the CEO of XXXX and Quantum collections customer service. Under the service member relief act, I would like this debt removed from my credit report. I would also like is removed due to the fact they have yet to provide me with the validation I requested months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/17 Equifax investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you
Product: Credit reporting

I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.
Product: Credit card

I have an Ally Bank credit card. I've tried the last two months to make my payment early and I select the payment date as the date I am making the payment. But everytime I submit my payment the payment date changes to the due date and the payment is not processed until that date. It seems like they are fraudulently holding payments to collect more interst. Typical hold times on other bills I pay is 2 or 3 days Ally will hold my pending payment sometimes over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an accounts with a bank that has a late payment showing from XX/XX/2020. The situation was that i had lost my job due to the start of covid, I had made arrangements with them so that i wouldn't have any late payments on my report and they worked with me on the payments. payments were taken out automatically even at a reduced amount. The next six months there were no late payments but i notice that with both accounts they have a late payment showing on each account from XXXX. I have tried disputing it with them as well as the bureaus. They listen to me when i call and make notes but nothing changes. It is keeping me from getting a home loan and this was part of the covid relief program that i was a part of and should be removed. There is only 1 late payment with each ;. It's obvious that i was part of the covid program. Please help me to get these removed as they are not my mistake and i worked it out with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice through XXXXXXXX, provided to me by XXXX since I am a XXXX XXXX XXXX  and my personal information was compromised through XXXX  or XXXX, that two fraudulent credit inquiries had been submitted to Transunion using my personal information on XXXX XX/XX/2021, from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I called both those banks and was able to ensure that no credit cards or bank accounts were opened based on the fraudulent information. On XXXX XX/XX/2021, I went online and established an account with Transunion but their dispute page did not allow online dispute of these inquiries and instead stated I would need to call. I called XXXX and after 30 minutes of holding, was advised by an agent who spoke very poor English that these fraudulent inquiries would not be removed from my credit report or my credit score unless I submitted documentation through the mail. There is no such documentation, and mailing documents represents an undue burden on the citizen and taxpayer. On the same date, XXXX was able to remove similar fraudulent inquiries reported to me via XXXXXXXX using only information provided over the phone. The XXXX process to reach a human representative was also much more straightforward. I request that the CFPB place sanctions and civil financial penalties on Transunion to discourage ongoing anti-consumer behavior of this type.
Product: Checking or savings account

Navy Federal has restricted my account. I need my account to be unrestricted. there was no fraud on my account. I have never consented to Navy Federal reaching out on my behalf to recover funds from any individual or business from the opening of my account to the date of the restriction. Thank you please reverse whatever withdrawals were done to other people 's accounts and credited to mine I did not consent to any of this.
Product: Credit card

On XX/XX/2023 I initiated a balance transfer request with my Capital One Quicksilver credit card account. I was approved for my request for {$8900.00} and asked for it to be sent to pay off my credit card balance with XXXX  XXXX. 

During this time, I was informed by XXXX XXXX  that they were being acquired by XXXX XXXX  and the official transition would take place on XX/XX/2023. I asked a customer service rep at XXXX XXXX  prior to initiating the balance transfer with Capital One, if it would be okay to pay off my account prior to this date with a balance transfer and they said it would be fine. 

The balance transfer check was cut on XX/XX/2023 and according to the copy of the check, it shows that it was deposited on XX/XX/2023 ( XXXX day after the transition from XXXX XXXX XXXX XXXX XXXX ) I received my first statement from XXXX XXXX  and it appeared as if no payments were ever posted to the account. This was concerning for me, so I contacted XXXX XXXX  and told them what happened, and they asked for a copy of the check Capital One sent to XXXX XXXX. They had their payment investigation team and the transition team look into it further only to reply that they noticed on the back of the check it looked like it was deposited by XXXX XXXX XXXX XXXX XXXX 

The front of the check included my account number with XXXX XXXX  and was addressed to the correct XXXX XXXX XXXX XXXX Texas provided to me by XXXX XXXX  at the time. 

What's interesting is, the check that was issued by Capital One says " XXXX XXXX XXXXXXXX '' on the front of the check. On the back of the check it says " Pay to the order of XXXX XXXX XXXXXXXX '' and it also states " XXXX XXXX  '' as well. I was told by XXXX at Capital One that Capital One banks with XXXX XXXX XXXXXXXX, so I think there's a possibility that this check was returned to Capital One and deposited back in their account. Capital One informed me they are attempting to " recall '' the funds, but there is no guarantee this will be successful. I am currently accruing interest with Capital One and XXXX XXXX  while this matter gets resolved. Capital One said that this process could take 90 days, possibly longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I presented All 3 credit Reports to the CEO of XXXX, Equifax, and XXXX detailing all inaccuracies in detail with the derogatory and wrong information circled and specified in full disclosure circled each item, date, and inaccurate account. There were over 99 errors between my 3 reports alone, I sent all the appropriate codes to support my claim in affidavit form, I have not heard or received any Remedy, but I am being retaliated against by the Creditors and the Credit Bureaus. One of my accounts was closed for exercise my Federal rights. I ask that you as the number one credit agency come in and bring closure to this situation through a thorough investigation and have all information updated for accuracy across all 3 bureaus and negative information removed per the CFRA. And I am also requesting a updated copy of my report ( s ) once investigation is finalized?
Product: Debt collection

Judgement line was filed then LVNV funding started collecting. They hired an attorneys office they called said they were from a locators services and there was a civil criminal case against me and I was to call this attorney in XXXX. I never did. A few days later with no notice my checking account was garnished. How is this fair? Is any one going to do anything this time?
Product: Credit card or prepaid card

My card was with CapitalOne. I received a letter in the mail around XXXX ; unfortunately, I am just opening this letter now. I have been going through some family emergencies and health issues, and unfortunately, I missed the deadline and my account automatically closed without my consent. I had XXXX reward miles that I could redeem. I called Capital one on XX/XX/22, and they told me I couldn't access my statements or redeem my awards because my account was closed. I spoke with XXXX employee ID number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Name attached to mortgage history that is not responsible for the debt. 

Contacted and wrote the company.
Product: Debt collection

On Tuesday, XX/XX/XXXX I called XXXX XXXX to check the status of a order of a SIM card that I had not received since I tried to order it almost three weeks earlier. I was informed by XXXX XXXX that I did not receive the SIM card because of a debt that had been incurred XXXX. 

According to the The Fair Credit Reporting Act of 1970 XXXX XXXX and Professional Credit Services are excreting unfair credit practices by ( 1 ) XXXX  XXXX  refused to allow me telephone services for a debt thetas ( 7 ) years old. Debt incurred in XX/XX/XXXX, of XXXX, and XX/XX/XXXX of XXXX made the debt 7 years old. 


Professional Credit Services XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ; Account No. XXXX ; Debit from XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX I am accusing both companies of violating my rights under The Fair Credit Reporting Act of 1970 and discriminating against me based on my age XXXX years taking advantage of me because of my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit card

I opened a credit card with XXXX, which they offered with FNBO bank. I've made all my payments timely. This past summer we were advised that the partnership with the XXXX parties would be ending. I received an email that advised that I would have to call and make my payments directly to bank as the feature was being removed from the greenlight app. My first payment amount that I needed to pay was on the APP. 
I called to make my first payment, and I asked the representative about how the card being closed would affect my credit- I was told that the credit bureaus were informed of the situation and that my credit would not be affected. I was also told that statements would be going out with balance & payment amount due for the following month. I have not received that information. I received 2 emails from the loss prevention/collections department from the bank stating I am behind- I have made payments to them each month since the closure of the card. I've called in payments, so I am confused by these emails. I called and spoke with a customer service rep and then a supervisor named XXXX because I now being told that the payment structure, fees, etc have changed and my monthly payment is now over {$500.00} a month. I never received any paperwork from the bank stating these changes. When I called to make my {$320.00} payment, I was not informed that I was underpaying or that my payment had changed and they moved my account into collections. This is unfair to me as a consumer- I've paid them timely every month but to now almost double my monthly payment is just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was redirected to a site with a preapproval for Chase Manhattan Bank credit card. I didn't know that my information was auto filled and submitted for this offer. I now have a hard credit check on my credit report and I don't think I should have to be penalized for the mistake.
Product: Credit card

I was sent a rebate card issued by Citi bank from XXXX. I was not home during the time frame to receive the card. Upon coming home and checking my mail I Did not find the card. I contacted the fraud department and reported that it was not received, they informed me that the card had been used. I sent in a fraud report and after review the bank denied it and wo n't disclose why I was denied
Product: Debt collection

I am enrolled in income based repayment with Navient on my federal student loans. They have a history of incorrectly processing the necessary paperwork, so this year I was very careful to ensure my renewal application was complete and filed with plenty of time for them to review ( over a month, possibly two months ). They failed to correctly process the paperwork. As a result, they booted me from the income based repayment program and in the process proceeded to incorrectly capitalize interest. They now assert that I owe more money than I actually owe, both as principal and as my monthly payment. I have called them at least 3 times about this, and remain without resolution. I know that the information that I submitted was sufficient, as it was identical to what was provided to other loan servicers who I submitted to for other student loans of mine.

Additionally, I was shocked to hear one of the Navient customer service agents ( " XXXX '' Navient ID # XXXX ) try to tell me that capitalization of interest is normal and correct as part of the income-based repayment process each year... that is false. Capitalization of accrued interest only occurs upon exit of the program. This man was either negligent or intentionally lying to me. I 've looked at a lot of information about Navient online and it appears that this is a pattern and practice for them.