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

I previously submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit file. In these disputes, I identified specific accounts and detailed the violations of my consumer rights. Despite this, over 30 days have passed without a proper response or resolution from your end.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( b ), it is required that disputed accounts be marked as such, which has not been done. Furthermore, the FCRA 605 ( c ) has been violated as the date of last activity on this account is inaccurately reportedit should reflect the actual last payment date.

Additionally, this account remains unvalidated despite my requests, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) per the FTCs opinion. Copies of all previous correspondence regarding this matter are attached for your reference. 

I demand immediate action to rectify these inaccuracies and violations. Kindly provide me with a corrected credit report reflecting the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

Hard inquiry was sent XX/XX/2024 without my permission by XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After filing a complaint and getting the updated information about this account. I sent in the information to both XXXX XXXX XXXX on two separate occasions with the updated balance but this company is still validating false information. I have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data. At this time I was like this account to be deleted from my social immediately, since it goes against the FCRA.
Product: Credit card or prepaid card

This complaint relates to Bank of America. Background : The State of Michigan sent a letter about pending unemployment benefits. I've never filed for unemployment, and am the victim of identity theft of my name/SSN. I reported this at State of Michigan unemployment site. Subsequently, I've received a Bank of America Michigan Unemployment account debit card in my name ( never requested, fraudulent ) for unemployment fund access, with activation instructions. I've attempted to get BOA to close this out immediately as the account is fraudulent. However, Bank of America call number provides no path for this. Their online support options are only available for activated cards/accounts. Their hotline simply points users to State of Michigan site, which is non-responsive to requests. I am resourceful at navigating customer support systems but this one seems to provide no path for this type of fraud. I believe that BOA has the legal responsibility to completely close down fraudulent accounts, but they seem to block any venue for reporting that fraud ( perhaps due to the high rates of unemployment fraud, and the service overhead this would cost them in administering their cards ). Any help is appreciated, thanks.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX, XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$13000.00} ; DPT EDXXXX XXXX Balance Owed : {$350.00} ; DPT EDXXXX XXXX Balance Owed : {$3700.00} ; DPT EDXXXX XXXX Balance Owed : {$2500.00} ; DPT EDXXXX XXXX Balance Owed : {$3700.00} ; DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$2700.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$73.00} ; DPT EDXXXX XXXX Balance Owed : {$2900.00} ; DPT EDXXXX XXXX Balance Owed : {$1500.00} ; DPT EDXXXX XXXX Balance Owed : {$440.00} ; DPT EDXXXX XXXX Balance Owed : {$2200.00} ; DPT EDXXXX XXXX Balance Owed : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer who has been a victim and I know my rights. on XXXX XXXX,  2017 their were four inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all three credit bureau so far I had no luck . I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company  still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXXXX/XX/XXXXwas consumer portfolio service, inc,  XXXX, XXXX XXXX XXXX XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.
Product: Consumer Loan

I recently inquired to my auto lender Santander, as to why my balance has not been going down, I have had the loan for 6 years and I still owe a significant amount of money. I was told that there were some late fees ( of which they seems to be more than it should be ), but even more so I was told it was the way the interest was accruing. I could not get a lucid explanation for how this " interest '' was accruing at such a seemingly inordinate way. I want to have this looked into, as I believe the customers are not being disclosed as to how the interest is being calculated or added on. I think that a refund or a reduction to balance is in order. Santander is very difficult to deal with and you get different explanation every time you reach out to them.
Product: Money transfer, virtual currency, or money service

I am a Citibank customer. On XXXX XX/XX/2017, my client tried to send me {$XXXX} payment for a job via XXXX XXXX. They input my information correctly. They were only asked to input my email, and I received the email alert saying they were trying to send me money via XXXX XXXX, so it was not user error. 

The email said that if I have an outside bank, to click on the link to that bank. I clicked on " Citibank. '' I was taken to a Citibank interface, where I was asked to either log-in or register. I could neither log-in nor register for the transfer service. I called Citibank. I explained the problem to the representative on the phone. She put me on hold, and then asked me to try it again. I was able to get in. I don't know what that Citibank representative did on her end, but the money was not in my account. It was just my regular account home screen. 

I called Citibank again and was told it could take a day for the money to credit. It never credited to my account, but the money had already been deducted from my client 's account. 

My clients and I contacted XXXX. I gave the XXXX representative my Citibank account number. She confirmed that the {$XXXX} was not in my account but had been received by a stranger 's Citibank account. Due to privacy concerns, she could not tell me whose account got it, just that it was not my account and was someone else 's Citibank account.
Product: Money transfer, virtual currency, or money service

I purchased Tickets XX/XX/XXXX of 2020. Due to COVID-19 the vendor postponed the event. 
In XXXX I received an email from both my emails : XXXX and XXXX. The emails mentioned that the event was canceled therefore, the refund will be expected within 30 days. once XXXX came and i did not see a refund i contacted XXXX, However they said they refunded me on my old debit card and i would need to contact my bank. I mentioned that since XXXX i lost my old debit card which is why i did not see a refund, they still said i need to contact my bank. 

I contacted my bank ( Bank of America ) and the bank said they would open a claim and resolve my claim as unclaimed due to the fact there was no refund in my account. 

I contacted XXXX this week and said i still have received my refund and that they bank resolved my claim as unclaimed which means i never received anything. The customer service was very rude and unhelpful. Customer service kept sending me back and fourth for information between Bank of America and them. They also mentioned that a third party received my refund in New York and i do not live in New York nor did i use my card in New York to purchase these tickets in XX/XX/2020. 

Bank of America directed me to CFPB due to it being past 78 days of the ticket purchase and suggested i would have better assistance to get to the bottom of this matter.
Product: Debt collection

i had a delinquent account with capital one credit card ending XXXX. They sold the account to XXXX XXXX XXXX  and settled this debt to a XXXX balance on XX/XX/2019. XXXX XXXX reported to the appropriate credit bureaus but capital one refuses to update my account and is costing me the ability to finance a house at this time. I have called them several times and they say they no longer own this account. I do understand this process but they still show as a negative mark on my credit report and is affectiing me greatly. All i want is for capital one to show the same activity as XXXX, as it is in regards to the same account.
Product: Credit reporting or other personal consumer reports

Dear Sir, Madam, or to whom else wise it may concern, I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged : Unknown - XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within XXXX days. Relevant documents are attached for your review.
Product: Debt collection

I saw on my credit report I have a collection account with the company Hunter Warfield of the amount of {$2700.00}. I have tried to contact them multiple times to find out who this company is and why I owe this collection. I asked them for a detailed report of this collection and I have not gotten any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of mortgage process and lenders are able to pull XXXX and XXXX but not able to generate report for Equifax due to a credit freeze. I checked MyEquifax and I can not pull my own report as well. I called Equifax and they could not find any issue on there end even. The issue has not been resolved and I am in limbo with purchasing home until this is fixed.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. 

The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$11000.00} XXXXXXXX XXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, XXXX, Transunion and XXXX has not completed the investigation. 

It has been over 30 days and all of these consumer reporting agencies are in violation. 

XXXX, Transunion and XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XX/XX/2022, XXXX XXXX  ET, my wife received an email notification showing that there is a wire transfer of {$30000.00} going out from our joint saving account, and we also found out there are two more unauthorized withdrawals of {$8000.00} and {$3000.00}. So, we contacted the Chase customer service immediately to report these unauthorized transactions, the agent told us these were all done at the one branch with my ID presented at counter, and the agent was able to freeze the saving account at the time. We then headed to the Chase branch where those transaction were made, but when we got there, the banker told us since we already filed the claim, there's nothing they can do, so I only could have them to check my information on the system to see if that's my correct information, it turns out nothing matches, and the banker can't change it since the profile if frozen. 
But on XX/XX/2022, around XXXX XXXX ET, I saw a pending online transfer of {$14000.00} from the joint saving account, which suppose be frozen, to a checking account we do not recognize. So, we contacted the Chase customer services again, they said someone somehow unfreeze the account and open a checking account with my name and made the transfer. So, we filed another claim for {$14000.00}. 
On the next day, XX/XX/2022, we went to a Chase branch asked one of the bankers for help. The banker called the claim department and double check with the agent through the phone to make sure that involved accounts are frozen and no one can unfreeze the accounts until the investigation is completed and the banker also put a note on the account stating that multiple identifications are required at branch to make transaction after the accounts are unfreeze, since whoever did it has my XXXX driver license and ssn and was able to create online profile which are now frozen as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure why your inquiry dated XX/XX/2022 XXXX XXXX as well as XX/XX/2022 XXXX CARD SERVICES is appearing on my TRANSUNION credit report. According to the Fair Credit reporting Act, you must abide by the permissible purpose provision. 

Neither of these inquiries are attached to any account on my credit reports what so ever. Either remove these inquiries or provide me proof that either inquiry complies with the XXXX XXXX. I am providing my social security number to assist you in making this transaction a little easier and faster. Thanks for your time
Product: Credit card

Discover credit card has been doing many legal activities in last 4 months. They don't explain anything about my account or information on any accounts on they opened under fraud team or investigation for whole situation. They had me wrote off as a dead individual recently and can't even call about that either. Discover credit card owes XXXX on unauthorized payments still, got a personal letter from XXXX XXXX Bank about it. Stop with games, lies, stories Discover credit card. Discover credit card has many issues with other customers at my bank
Product: Student loan

My loans are in an income based payment plan. My husband and I re-certified and a customer service agent informed us that if we sent in my husbands paystubs by the end of the week, the low payments would continue at we would stay on the payment plan. This was in early XXXX. Unfortunately, this was not true. After calling in multiple times and receiving different information, we were told that it would be processed the week of XXXX. We were also told to put our loan in forbearance while the IDR was being processed. We were also told to just not pay XXXX and take auto debit off. We also received multiple emails with different payment amounts over the last few weeks. 

Once it was processed, the effective date was XXXX. This caused two problems : 1. A lapse in IDR caused around {$9000.00} in interest to capitalize. 

2. Our XXXX payment is over {$1000.00}. 

Nelnet 's practices are both unfair and deceptive.
Nelnet should have all the respective documents so I will not be submitting any. Lastly, when you call Nelnet, they inform you " If you received multiple statements, please disregard the second one. ''
Product: Debt collection

These guys haven't proven that they should be having any contact with me to start. The seem to not be able to produce anything with my signature that would allow them to have any contact with me whatsoever. They have harassed me relentlessly, send me copies of bills that look like someone with word processing and graphic design capabilities. Nobody can seem to find a copy of an actual payment, delivery confirmation, photo ID of the person that opened the account. Just a bunch of scam material to steal from people. Ive easily been able to duplicate the bills in a XXXX document. All I needed to do was download a logo from XXXX XXXX and I have a bill that looks exactly like the ones you sent me. These guys do this so that they can steal from people. XXXX even changed my address in my credit file without my knowledge or consent... twice. These guys then apparently get a court order stating that the person owes XXXX but, then they want you to pay some other company called XXXX. Nowhere on the court document is XXXX listed. This REEKS OF FRAUD AND IDENTITY THEFT. They seem to have all of my PII when I never actually gave it to them. They fail to provide any kind of signature proving that they have the right to my personal information. They have now harassed other people in the process when they NEVER HAD THE RIGHT TO BEGIN WITH!!!!
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXX XXXX XXXX, and XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. After asking for a freeze on Equifax I woke up looked at my file and I see addresses that are NOT mine that have appeared on my file this is illegal.
Product: Mortgage

Recieved a Call today from my Mortgage loan servicer and was told that I was currently late on my XXXX payment. I then looked back on my records and saw that my account was debited the payment for the mortgage payment on XXXX XXXX. The representative I spoke with explained that because the payment was received early they only credited it to the principal at that time. I had explained that no it was for the XXXX payment and that it was paid on time according to there records and mine. XXXX XXXX who was the representative with Seterus - then explained that there system is not able to process it any differently and that I was responsible for late fees for the month of XXXX. After a little more discussion I was then put on the phoe with a supervisor - XXXX XXXX who then at first attempted to tell me the same thing until at which time I told her I would file a complaint with the CFPB. Soon there after she told me I would not be charged a late fee and told me to have a nice day. 
I have been in the mortgage business for over 25 years and have never heard of anything so crazy with regard to loan servicing. I am making you aware of this because I am sure this appears to be somewhat of a deceptive practice used to charge late fees and feel that others without the knowledge and experience I have have probably paid the fee and went on. This is the sort of stuff that gives my industry a bad name
Product: Checking or savings account

A wire was transfered to my account at Ally Bank on XX/XX/16. Ally confirms they have the money and will not transfer to my account. They will not tell me when they will transfer
Product: Credit card or prepaid card

The company is charging me for a product I did not receive.