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

I closed this account on XXXX XXXX as this bank gave my Daughter a card on my account in XXXX but in XXXX they refused to add my wife to the account the whole bill owed is my daughters debt none of it is mine XXXX XXXX I made a payment to catch account up of XXXX this paid it up thru XX/XX/XXXX these is were the fun begins see on XX/XX/XXXX my credit report should balance of XXXX then I get a statement dated XX/XX/XXXX showing previous balance XXXX and new balance XXXX then on my credit report dated XX/XX/XXXX it shows XXXX balance then when I called the bank it says balance XXXX payment due XXXX the statement claims payment due is XXXX funny thing is I paid the payment on XX/XX/XXXX due XX/XX/XXXX of XXXX they never process the payment tell XX/XX/XXXX, they also report that last week on my daughter credit report balance was XXXX then this week it shows XXXX yet they claim they don't report this info on my daughters report this came from their executive office until this bank can explain all these why payments were made not processed why the five different balances for XX/XX/XXXX I will not pay any more payments to this bill as a XXXX Veteran they are trying to make pay money I do not owe them as I stated this bill is 100 % my Daughters who they gave a card to this bank and the people that work their are full of XXXX last person I spoke to on XX/XX/XXXX she keep saying let 's keep this professional when I ask question my daughter and my wife were both listening this is what they do refuse to answer questions when asked about all the above. and please note Balances went up XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX XXXX then from XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX up XXXX then from XXXX XX/XX/XXXX thru XX/XX/XXXX it went up XXXX why the big difference then on XXXX XX/XX/XXXX I made the XXXX payment which yes my daughter now owes us but from XXXX XXXXThru XXXX XX/XX/XXXX it went down XXXX from XXXX to XXXX so this bill went up XXXX in XX/XX/XXXX when account is closed and payment was made even with everything how did this account go up XXXX after payment was made from XXXX to XXXX they refuse to explain this issue that's why I'm claiming their trying to rep me off of fees and money I do not owe even though the whole bill owed is not mine right now I'm paying the bill for my daughter and like I say I'm not paying another penny to this bank period!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 card or prepaid card

capital one closed all 7 accounts and will not allow us to redeem our points that we have accumulated to purchase a new XXXX XXXX product
Product: Credit reporting or other personal consumer reports

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.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 ) ( a ) 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 is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has contacted my employer regarding an unknown debt, claiming a collection on an unknown judgement. This appears to be fraud I have not received notice or been served to report to fight any civil claim.
They repeatedly call my phone.
Nations Recovery Center   XXXX   XXXX   XXXX   XXXX  .
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The name the company mentions.
<P/>
Their actions are illegal.
<P/>
Last call was :  XXXX - XXXX -17 @   XXXX   est Thursday  XXXX / XXXX /17   XXXX
Product: Mortgage

On XX/XX/23 I received a letter from Loancare LLC that my mortgage loan was transferring to XXXX XXXX on XX/XX/23. On XX/XX/23 I called Loancare and asked if I could make payment for XXXX in the amount of {$1000.00} and the phone rep said yes. I made a billpay from my XXXX XXXX checking to Loancare for {$1000.00}. The payment never posted on the Loancare website and my Loan was transferred to XXXX on XX/XX/23. As I write this today on XX/XX/23 my XXXX payment of {$1000.00} has not been applied to new XXXX website and XXXX website says I owe XXXX payment of {$1000.00}. 
XXXX XXXX XXXX XXXX pay has verified that I made the payment of {$1000.00} to Loancare. Loancare sent me email saying they paid {$1000.00} to XXXX on XX/XX/23. XXXX says they have not received payment from Loancare to my new XXXX account. 

I have spent countless hours gathering proof that I have made this payment correctly. Stealing {$1000.00} is a felony and if this payment is not applied I will be receive fees and my great credit rating will be destroyed. 

I have proof from XXXX XXXX that I made my XXXX payment to Loancare XXXX. 

Please help me. I have never missed a loan payment.
Product: Debt collection

I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from XXXX XXXX. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called XXXX Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. XXXX XXXX  told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquires, ive been trying to improve my credit for the last 3 years and NEVER applied for any credit or inquire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that this account is deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well. 
I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian states they receive verified information from XXXX XXXX they do not have any bankruptcy my file.Please send me proof.
Product: Credit card

I am a XXXX XXXX XXXX who feels utterly frustrated and targeted as a vulnerable person. I called to close my XXXX account with Citibank in XX/XX/year>. I made it clear that no future charges were to be allowed through, and the website showed my account as closed. Since then every month I have received late fees of $ XXXX dollars and have received at least XXXX harassing calls, texts, and emails a day about the account being overdue. It always takes at the very least XXXX different conversations with XXXX different departments after going through IA menu after menu and repeating the information. I was finally told that any company could claim I had an autopay with them and those charges would go through even a closed account, which is exactly what happened. At the time I close the account I specifically asked about if there was any way at all a new charge would go through and was told there was not. The information about closing the account also did not address this hidden exception. I filed a formal dispute with Citi about the continued unwarranted charges in XXXX, XXXX  and nothing happened. Now my online account shows that there was no such dispute and I owe for a charge I did not authorize AFTER the account was closed, and late fees every month after that with all the harassment. I have literally spent hours on the phone with these people and can not get rid of this account once and for all no matter what I do. I called yet again for another hour today, and got so frustrated that I did what I am sure is exactly what Citi intended, paid off the account just to get rid of it. Once again, I was told I would have to call the dispute department Monday to file a dispute. I was again refused a confirmation that the closed account would no longer accept charges of any kind. I am at my wits end!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies are reporting an inaccurate bankruptcy on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly allowed incorrect information to report to my credit profile, and not allowed accounts to report to my profile. 

XXXX XXXX XXXX is an installment loan with 1 year 7 months of history paid as agreed and Equifax has reported this as a revolving account.

Two credit cards have not been allowed to report to my profile. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to normally express concerns regarding zelle handling of disputes particularly in light of the recent CFPD lawsuit highlighting significant issues with platform despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claim adequately They informed me that the recovering lost funds was impossible and that tracking these transactions was infeasible. The cfpd find the zelle has not only neglected to protect consumers but have also allowed repeated offenders exploit the system, leave it as valuable to scam. This lacks accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Deletion and Blocking Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Sir/Madam, I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Blocking of Accounts : Any accounts or personal information that have been impacted by the breach and are listed on my credit report should be blocked and not included in any credit report issued by your company. 

Deletion of Information : Any accounts, information, or records related to the data breach should be deleted from your files, as permitted under FCRA 1681c-2 ( a ). 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XXXX Report Number : I respectfully request a prompt confirmation of this action and an updated copy of my credit report once the necessary actions are taken. 

Please notify me of any additional steps I must take to ensure the removal and blocking of the compromised accounts and information. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to process my request, please do not hesitate to contact me at the address or phone number listed above. 

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

I sent a letter ( XX/XX/2019 ) to ask and get a explanation as to why certain items are reporting on my credit report and also to see if Trans Union is even in compliance with federal and state law to be reporting in accurate information in regards to my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over XXXX days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act XXXX XXXX A ( XXXX XXXX. XXXX ) it clearly states a failure to investigate these items within XXXX days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach and could have fallen into the wrong hands.
Product: Mortgage

Mortgage/Impound account holder Flagstar bank did not make county tax payment when it was due. Plenty of money was in the escrow account to make the payment. 
Flagstar is claiming they didn't have to pay because there was an inquiry about a " payoff balance '' because I was looking into a refinance. 
In the meanwhile, hundreds of dollars in late payment fees accrued. 
I did not authorize them to not pay taxes. They simply decided not to because there was an " inquiry ''. I have asked them to pay me back for the late payment fees for the taxes that they were obligated to pay and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed letters to Experian, XXXX, and XXXX via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX, XXXX, TX Subject : Dispute of Unauthorized and Inaccurate Information Dear Experian Dispute Department, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and unauthorized Upon reviewing my credit report, I found the following item ( s ) that I am disputing : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C. 1681b is part of the Fair Credit Reporting Act ( FCRA ), which regulates how consumer credit information is collected, shared, and used. Specifically, 1681b outlines the permissible purposes for which consumer reporting agencies may furnish consumer reports These items are unauthorized and unverifiable I kindly request that you investigate these discrepancies and provide a corrected version of the report. I believe that addressing these issues is crucial for maintaining the integrity of the information and for ensuring that all parties involved have accurate data. 

Please let me know how you plan to address this issue. I am hopeful for a prompt resolution and am happy to provide any additional information you may need during your investigation. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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: Vehicle loan or lease

I XXXX XXXX and my husband XXXX XXXX have a loan with Santander Consumer that we opened in XX/XX/XXXX and the loan was for {$12000.00}. 
Account # XXXX Account Balance {$9800.00} Request Payoff Quote Account Maturity XX/XX/XXXX As of today the loan amount is XXXX. This was a high interest loan. I received information that I was in the multi settlement file with the state attorney general office of Georgia, in XX/XX/XXXX. I have reached out to Santander with no help they have not changed the high fees that they charge even after the Law suit and I am a disable veteran and my husband is not working due to Covid 19. The company simply got a pat on the hand for misleading consumers. On XX/XX/XXXX The executives at Santander stated that I was included in the settlement but would only receive {$200.00}. I am outraged and furious that a company can be found dishonest in it practices but still able to rip off consumers. I am writing you because I need help. I have ask voluntary repossession because i can no longer pay for this any longer. The high interest rates that accumulate is unreasonable. For the last couple of years I thought I was simply crazy until this lawsuit came about. Now I know that I am not. Please help this consumer, by removing this from my credit report and getting rid of the way this company is practicing.
Product: Debt collection

XX/XX/2020 a statement was sent directly to Telerecovery XXXX letting them know I have no knowledge of the debt they are wanting to collect. There is also no written contract between us. I know nothing about this debt which is not right. They continue to call during busy work hours as well no matter what.
Product: Debt collection

XXXX XXXX XXXX IS REPORTING AN ACCOUNT THAT ( HAS NOT BEEN VALIDATED OR VERIFIED ). THIS ACCOUNT IS REPORTING NEGATIVE INFORMATION ON MY REPORT. THIS IS A ( VIOLATION OF THE FCRA AND THE FDCPA ). I HAVE ASKED FOR CERTAIN DOCUMENTS TO BE GIVEN TO ME. ( IF I DO NOT RECIEVE THE DOCUMENTS THAT I REQUESTED WITHIN 7 DAYS FROM THIS COMPLAINT AND THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPOR, I WILL BE SEEKING FOR DAMGES UNDER THE FCRA AND THE FDCPA UP TO {$1000.00} PER VIOLATION. AND I WILL BE SEEKING DAMAGES FOR EVERY MONTH THE ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT ). " PLEASE READ THE RESOLUTION PAGE CAREFULLY ''.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. There are several unauthorized inquiries being reported on my consumer report, as well as an account. I have attached the proper documents for your review. Please remove these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is the way all three credit reporting companies ( Equifax, XXXX and XXXX ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with Equifax.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX