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

I was approved for a XXXX XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the XXXX XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification XXXX  XXXX number XXXX XXXX ( CLOSED ACCOUNT ) payment late year XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX
Product: Debt collection

I am not responsible for this account. Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Product: Debt collection

I contacted zakheim law group concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.
Product: Credit card

Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ). 

I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing. 

Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years. 

Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use. 

It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax consumer report and noticed a consumer statement added to my credit file, i did not give verbal or written permission for a this statement to be added in my consumer file, i demand the consumer statement be immediately deleted from my consumer file
Product: Mortgage

On XXXX XXXX, XXXX two loan payments for the same amount were initiated on my account in error. As a result both payments were returned insufficient funds. I contacted my loan servicer Nationstar Mortgage and they told me to go ahead and make my payment through another checking account, which I did. As far as I know, my account was then current. On XXXX XXXX, XXXX my loan modification which was originally done in XXXX XXXX was reversed as a result of the NSF on my account which was not my fault. I am now, not able to make payments via online and the principal reduction and reduced interest rate on my mortgage has been reversed. Additionally, there has been negative credit reporting on my account. 
I have spoken to a total of 11 people regarding this matter since the issue began on XXXX XXXX, XXXX to no avail. Everyone says that the loan will be rebooked eventually however it has not happened. The negative credit reporting has caused me to not be approved for a parent loan for my daughter 's college education. This is causing me much stress and I would like it resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute in regards to the inaccurate items on my report & I haven't received any results. 
There has been unauthorized inquiries, and unverifiable accounts reporting on Equifax, XXXX  and on my XXXX XXXXeport. My letters seem to have been disregarded because I havent reviewed results or proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( XXXX and XXXX ) and XXXX ( Experion ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that Experion was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 student loan accounts on my XXXX, XXXX and XXXX credit files, two of the accounts have different account numbers, the two accounts named DEPT OF EDUCATION/NELNET account number is XXXX, and the two accounts named U S DEPT OF ED/XXXX/XXXX account number is XXXX. the problem is there is no phone number being reported and it says that the accounts were opened in XX/XX/2012. I have disputed these accounts with XXXX, XXXX and XXXX and for some reason they told me that the accounts were verified as accurate. I asked XXXX, XXXX  and XXXX for the original contract that has my signature on it or any documents that they might have that proves that these accounts belong to me or that proves that I opened these accounts since they are claiming that the accounts were opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want these accounts validated or deleted from my credit file.
Product: Mortgage

Unfortunately, I currently have a loan that was modified with Flagstar Bank. According to Consent Order XXXX, I should receive have received information about being added to the list of consumers defrauded by this company. The Order purports that Flagstar made it hard for mortgagees to receive these modifications and once they did receive the modifications, they paid months of trial payments when only 90 days was sufficient by law. I started the modification process XX/XX/XXXX, but did n't receive the finalized paperwork until XX/XX/XXXX. During the process I had to filed bankruptcy in order to keep the modification process going forward, because Flagstar and it 's Georgia lawyers illegally proceeded with the foreclosure process even though I was in the middle of the modification process. After the modification was approved in XX/XX/XXXX, I made trial payments up until XX/XX/XXXX, six months. Three months longer than necessary. I would really like for someone to look at my files and help me understand what really going on. My modification documents show an excess of arrears that makes no sense at all.
Product: Checking or savings account

Subject : Resolution Needed for Missing Deposit I hope this message finds you well. I am writing to express my deep frustration regarding an ongoing issue with my recent deposit at Chase Bank, located at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I made a cash deposit and met with a personal banker immediately afterward. Unfortunately, this deposit has not been reflected in my account balance. 

Despite my effortsemails, phone calls, and in-person visitsI have encountered conflicting information each time I seek clarification. The escalation department directs me back to the branch for investigation, while the branch manager assures me that the matter was referred to the escalation team. 

Although I dont recall the exact amount, it exceeds {$3000.00}. What concerns me most is that any deposit made with proper identificationSocial Security Number and Driver 's Licenseshould be accurately reflected in my account. I believe that reviewing the CCTV footage from XX/XX/XXXX will clearly show my deposit transaction and may identify any errors during the process. However, despite my requests, there has been no effort made to review this footage. 

I urgently request your attention to this matter and a prompt resolution. I hope we can resolve this issue promptly and amicably.
Product: Vehicle loan or lease

I made a promise to pay for Monday the XXXX. I got an email telling me to make sure its paid by XXXX that day. I made the payment that day XXXX the next morning I went to go to work and my car was repossessed and that they said I cant get it back. I cant get anyone to talk to me about it. The only man that seems to answer the phone doesnt want to listen or even care about my situation. He tells me that they said XXXX XXXX  on the XXXX but I got proof in email letters that it said XXXX XXXX Im walking and have XXXX  children now I lost my job and about to lose my storage because they took my car that i made a payment on. I dont understand how they can do that to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX account number XXXX and account XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX  XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX  XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX. 
Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit card or prepaid card

I have been trying to pay off my Barclay card. The company hasn't been following my instructions in regards to using the appropriate account for withdraw of payment. Also the company has started become aggressive with trying to increase my monthly minimum payments without proper notice. Now I am showing that I am behind on my payments. Please assist me in trying to get this resolve.
Product: Credit reporting or other personal consumer reports

All the information missing and not accurate and incorrect, no verification was neither they had done any investigation. 
Account number # XXXX XXXX XXXX
Product: Credit reporting

Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.
Product: Checking or savings account

I used Venmo services to receive my federal and state tax refund, after having my taxes deposited for about a week, Venmo froze my account and refused to tell me why. They were rude and unprofessional. I have XXXX babies that are going without because Venmo decided to keep my funds instead of closing my account and releasing my funds. None of which belonged to Venmo, but they saw fit to keep the funds for loss prevention. I have a little over {$4500.00} still stuck on Venmo. I have also read that Im not the only person they have done it to. There are thousands of people going through what I am going through. I have decided to seek legal help if Venmo will not release my tax refund.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card

On XX/XX/2023, I applied for Capital One XXXX XXXX XXXX and was denied. I called into the reconsideration line and provided 15 USC 1691 in response to the declination of my business credit application. They would not reprocess the application manual and advised me to wait the approbate time and reapply at a later date.
Product: Debt collection

Some one use my XXXXXXXX credit card on XX/XX/2014 for XXXX and now midland credit want me to pay XXXX. This charges wasnt mame by me.
Product: Credit reporting or other personal consumer reports

Hello, I have reached out the the 3 creditors in this matter, XXXX XXXX, Apple Card XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have a Alaska visa credit card thru bank of America. I had this card since last Year. I made the 1st payment in full which was {$2300.00} and I thought I set up Auto pay to make the next payment but the Auto pay wasn't set up correctly. When I found out that my account was past due I right away called the bank and ask him to give a payoff the account. The customer service said because my account was past due they have blocked the card. I told her that was ok but I need the payoff. She kept me on hold for about a minute and came back and said if you want to payoff the account it's {$210.00} dollars. I made the payment right away. Yesterday I went to my bank of America account to check my balance and saw the credit card was past due. I called today to talk to customer service to see why my account was passed due. She said the customer service gave me the wrong payoff so I had to pay all the late fees, interest and additional {$150.00}. I told her I will not pay that because I was given a wrong payoff and also ruined my credit because they have reported on my credit. She refused to help me and took no accountability for what they have done and hang up the phone on me. I need help because the bank is not welling to work with me.
Product: Debt collection

I filed a complaint with CFPB, complaint no. XXXX on XX/XX/20. Bakalar replied with lies, I did not cancel the appointments, the times they gave me were not acceptable, and I have been asking for documents for two years. The Homeowners Association in association with Bakalar, their attorney and debt collector, is in violation of F.S. 720 for failing to provide documents requested. 

The attorney/debt collector is now charging me {$250.00} to respond to the complaint I filed with you. This is OUTRAGEOUS and I believe illegal. 

I want Bakalar investigated for charging unethical/illegal fees to answer the complaint. 

Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX while in XXXX XXXX a friend and I visited XXXX XXXX XXXXXXXX XXXX. I was told that the bill was going to be XXXX Pesos however after I signed one of the receipts he came back and said it was denied and asked me to sign again. He was covering the amount and when I uncovered it is was for XXXX Pesos. I complained to him but decided to allow the extra charge. The next day I got home and looked up the charges and there were 2 charges from 2 different establishments. XXXX and XXXX XXXX XXXX XXXX When I contacted my credit card company Capital One they informed me that the charges were made with XXXX minutes of each other. Obviously this business has a setup to double charge customers. After Capital One supposedly investigated the charges they found no evidence of fraud and charged me {$600.00} USD for the fake transaction plus {$510.00} USD for the one that I did authorize. I have already closed my account because of the poor customer service but I still have a balance to payoff.
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. 

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 ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX