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

the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Money transfer, virtual currency, or money service

Bank of America allowed a transaction of {$6900.00} to be transferred from my account to another " trusted '' Bank if America customer. 
Initial transaction on XX/XX/XXXX for {$4400.00} and again on XX/XX/XXXX for {$2400.00}. 

The payments were to reserve a seasonal home rental. I have XXXX active police investigations. I have reached out to the Fraud Department of Bank of America. They returned ONLY {$1400.00} stating that was all they could get from his account as he has been " blacklisted ''. Bank of America refuses to hear my pleas, and continues to ignore my requests for reconsideration. I would not be pressing this if the other party was not a " trusted '' Bank of America customer like myself. It is unfair and THEY dropped the ball in their screening process. I want to seek legal action, but know it will be a difficult process. In the mean time my entire savings was wiped clean. How American.
Product: Mortgage

Recently refinanced mortgage with XXXX XXXX XXXX XXXX ( XXXX ). The mortgage was previously held by Dovenmuehle. The mortgage/refinancing was completed XX/XX/XXXX. XXXX, XXXX XXXX XXXX was the law firm involved. 
Due to timing ( XXXX period ), taxes are due so the new mortgage holder ( XXXX  ) required I wire money to cover the escrow. In turn, all parties ( XXXX, Dovenuehle, Law firm ) all advised me that once the loan paid off with old holder ( Dovenmuehle ), I would receive a refund of the escrow account I had with Dovenmuehle within 15 business days. 
Dovenmuehle confirmed loan paid off XX/XX/XXXX in amount of {$320000.00} and escrow of {$10000.00} would be refunded to me via check in 15 days. I still have not received the escrow refund and I have spoken with Dovenmuehle several times. 
On XX/XX/XXXX, I spoke with XXXX of Dovenmuehle ( they don't give last names or any other identifier like agent number, etc. ). He said I would have the escrow refund by XX/XX/XXXX. On XX/XX/XXXX, I called to report that no check arrived and spoke with XXXX. She told me check hadn't been sent but could/would not explain. She put in a request to process the check. On XX/XX/XXXX, I spoke with XXXX. Same story, check not sent and she would put in another request. I then spoke with XXXX and her Supv XXXX. Same story. The reps all tell me the only thing they can do is put in a request and for me to check back in 5 days. This has happened repeatedly. I asked to speak with the dept or individual who worked my loan and I'm told they can't give names or other dept contact info. I asked the rep to send me an email confirming she made the latest check request and am told they can't send outbound emails. I asked for a call back and was told they can't make outbound calls. Bottom line is Dovenmuehle is supposed to have already sent me the escrow refund check for {$10000.00} and I don't have it and every time I check I have to start all over - rep claims they update system to request check which has 5 day turn around time to issue check and I have to call back only to find out nothing has happened in terms of refunding the escrow.
Product: Debt collection

I have received nothing but the run around with this company. On my credit report it shows 0 % of my balance paid on this auto loan. No one is trying to work with me on getting this resolved. I paid over XXXX on this car. I want to know if this car was sold and for how much.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had an invoice from XXXX XXXX XXXX and it was referred to Medical Business Bureau for non payment. Debt owed was XXXX. On XXXX XXXX, I called and paid this and was promised it would be removed from all XXXX credit reporting agencies. As of today, all XXXX show a balance, however it shows closed on XXXX. Medical Business Bureau has failed and I expect complete removal of this from my credit report. Please see attached paid proof along with my current credit report as of this morning showing the debt open/not closed/.
Product: Credit reporting or other personal consumer reports

Various accounts are listed and being reported on my consumer report as charged off and or written off and profit loss write off and still show an open status with late payments being reported. Also some of these accounts are being reported again from a collection agency or debt buyer with a new account age, as if it's a new account.
Product: Debt collection

I received a telephone call on a company phone number from a XXXX XXXX @ RAB  http : //rabtx.com/XXXX XXXX. XXXX called stating that an account was placed with his firm for collection. I informed XXXX that the number he was calling was not associated with this debt and asked him to not call again. XXXX then began to tell me that my name was the individual that had ordered the service that was in collection. I was an employee of that company at that time - not an XXXX  - not a financially responsible individual. XXXX then began to repeatedly call three different phone lines that I personally have. One call I answered he shouted that he would contact my husband ( and told me his name ), my son ( told me his name ) and daugther in law ( told me her name ). He then began to scream at me over the phone ~ loud enough that other employees could hear him and are willing testify to the emotional turmoil it caused me. I hung up and he called back and spouted off my SSN, & home address and proceeded to tell me that he would show up at my home to collect the money. This individual is now spoofing numbers and calling my number showing up like my boss and calls from them showing up on his phone as me. This has been harassment like I have never experienced before. 

PLEASE KNOW THAT I AM NOT THE RESPONSIBLE FOR THIS DEBT, HOWEVER, I DID FILL OUT THE INFO ON THE LAST PAGE AND CHECKED " JUST ME ''
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX, have 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.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing 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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried multiple times with all 3 credit bureaus : XXXX, Experian and XXXX to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

3 major credit bureau companies accumulate information on you without your consent : XXXX, TransUnion, XXXX  ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX
Product: Student loan

In XXXX- XXXX, My son and I borrowed {$42000.00} to pay for my son 's college tuition at XXXX University . Today, XXXX XXXX, 2017, The balance that Navient says that we owe is $ 80,000+.
I have offered to pay Navient {$55000.00} to pay off the loan if my son is not required to pay taxes on the difference between my offered pay off and the balance of $ XXXX+ and my son does not have a derogatory credit report entry for paying off less than what is owed. Navient is refusing to do this.
My son is finally working steadily and this removal of debt would allow him to take steps to further his career and personal life. Navient is also servicing our Federal Student loans which we will continue to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 bit also states that consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXXXXXX XXXX customer who sent a {$1000.00} deposit to a friend 's relative as deposit to hold a vehicle. The deposit was to be returned if vehicle wasn't wanted after being seen Details Print Status Paid Zelle payment To XXXX  XXXX XXXX XXXX XXXX Zelle XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1000.00} Transfer Request Date XX/XX/year> Message Refundable deposit if not purchased, friend of XXXX XXXX Confirmation Number XXXX
Product: Debt collection

I 'm constantly getting calls from these companies concerning a debt collection. I 've spoken with them previously and acknowledge the account even though I was half sleep after working. I 'm unable to live due to calls from them everyday all day. I 've even tried blocking their number but the robot caller just picks it up and leave messages that can be retrieved / played by anyone that uses my phone. They state that they 've sent letters to me which I 've never received and could be a lie because I check my postal box very day and read every mail that comes. I 'm having a hard time focusing on work and my children due to them threatening me to sue me over accounts I tried to keep active with the original creditor but they would n't listen or acknowledge the hard time I 'm going through due to having a baby, being separated from my children 's father, losing a close sister that was very young to death and other problems that comes along when you think your doing good and being honest to keep a good credit score to have a home for your children. Right now I 'm homeless as of XXXX XXXX, 2017 due to land lord not renewing my lease.
Product: Credit card

Bank of America has been one of my cards for several years. In the months of XXXX, XXXX, XXXX. of XXXX  the bank kept charging me {$1.00} over and over. I called them each month to get this cleared up. I was told it would be taken care of 3 months in a row. All of a sudden I was reported to credit bureau after being an excellent customer of this bank for years. I have made numerous calls to the bank, but that {$1.00} cent charge lowered my credit score almost XXXX points from XXXX to approx. XXXX. I am so very disappointed in this incident and how being a good customer for years was destroyed over {$1.00} charge. I could have simply stopped in one of their banks and paid them a XXXX  dollars before I would have ever, ever been reported to credit bureau. Especially over {$1.00} I was told would be cleared up 3 phone calls to them 3 months in a row. I take much pride in keeping bills paid and credit score up. This has caused me much grief! Thank you for any help you can give me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Capital One Auto Finance for Inaccurate Credit Reporting and Mishandling of Account Complaint Summary : I am filing a formal complaint against Capital One Auto Finance regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Capital One approved an extension of XXXX payment of {$860.00}, deferring it to the end of the loan term. 
Capital One indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and XXXX XXXX : Despite making timely payments, I received a notification from XXXX on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted Capital One customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as Capital One is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from XXXX reflecting the inaccurate reporting.
Product: Debt collection

I had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX XXXX Balance XXXX {$6800.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries being made in my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a number of unauthorized inquiries and XXXX XXXX  account, XXXX XXXX I have notified the bureaus multiple times of these accounts.