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

Net Credit is reporting a late notation on XX/XX/20 and I ask that they please remove it. Due to Covid, I was severely financially impacted as my employer cut my hours unexpectedly. I was thankfully able to pay and get all caught up but I was just caught of guard for that month. I have never been late before and have not been late since. I ask that Net Credit please make a one time goodwill adjustment for the late on the account. I am now in a situation where I can buy a home and this would be a big help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
XXXX. XXXX XXXX U Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

Please see CFPB complaint ID XXXX and XXXX complaint ID XXXX. I am submitting this because I wanted to submit into the record proof that Capital One 's response to complaint ID XXXX was essentially perjury. I am still hopeful I will be able to recover my funds from them, but I am about to move so I am not sure what will happen. They have still never returned any of my phone calls.
Product: Credit reporting or other personal consumer reports

I contacted the company to cancel my trip and was told I needed to contact the merchant XXXX XXXX to make that cancel request and that merchant would notify them ( XXXX ). I followed XXXX advised and made contact with XXXX XXXX to cancel my trip, they cancelled my trip ( confirmation code XXXX  ) on XXXX/XXXX/2924 at XXXX XXXX. At that point I thought everything was final due to what XXXX advised me to do, but then they withdrew XXXX additional payments out of my banking account. I made contact with XXXX at that time to see what was going on and they refused to cancel my loan when I provided them the cancellation information and proceeded to harrass me with threatening phone calls and emails. XXXX then lied reporting false information to the credit bureau in error causing me to drop my credit score by XXXX points. I want them investigated for reporting false information and have them reverse what was reported.
Product: Mortgage

In reference to CFPB complaint XXXX I had filed an initial complaint about Bank of Hope. The issue, though they claimed it has been rectified, has not. I'm feeling pretty hopeless at this point. 

They are now harassing me and my ex-husband, who has no knowledge of the issue because I legally own the house, and threatening to send my account to collections even though my case is being handled by a man presumably employed by them. His name is XXXX XXXX. 

They need to get their BIG BANK PANTS on and use their fancy programs and plug in the CORRECT NUMBERS and fix this problem. THIS IS AS SIMPLE AS IT GETS. 

We are past ONE FULL YEAR of this same issue. I am EXHAUSTED by the INCOMPETENCE.

My credit rating is XXXX. I have never missed a payment for any bill in my entire life. I am XXXX. Do I need to hire a lawyer? 

Please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report XXXX XXXX XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Product: Credit card or prepaid card

We used our Home Depot Credit card last XXXX to purchase a washer and drier with 0 % interest for 18 months ( XXXX ). Have made all our payments and Home Depot randomly changed to 6 months and charged us back interest.
Product: Credit card

My card account was closed and someone ordered a new card and has been running up the card. They changed my address and email information and phone number on my account. CITI Bank
Product: Credit card

Please promptly block and remove the unauthorized accounts from my credit report. I did not authorize or open these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Mortgage

My loan at XXXX was transferred to Loan Care, another company. When this happened, in XX/XX/XXXX, much of the information was lost. Besides my autopay being cancelled, I went on to LoanCare 's website, and was unable to make my house payment online because of problems with the website. I spent three hours on the phone trying to get a hold of a human being, and was finally able to talk to a human being to make the payment. However, the terms of my loan seem to be missing. I have a HELOC loan ( or had ) a XXXX ARM HELOC at XXXX with the HELOC portion being adjustable. When I go online now, it looks like I have a XXXX rate with no HELOC. The part that I owe that is adjustable seems to rolled into the full amount that is fixed, and at a higher rate than what I should be paying, but it's not clear because this information is missing. When I try to call or send email to support emails to ask and clarify the terms of my loan, nobody responds. I have been waiting since Monday, XX/XX/XXXX, and nobody has responded to answer my questions. When I looked on XXXX for other reviews, it seems many, many other people have had the same issues of not being able to reach anyone. There is no customer service or humans to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX I have written and called the above company over ten times. 
XXXX writing because I noticed that my most recent credit reports contain a negative account ( see attachments ) with Capital One for my credit card account. I want to know that I understand my financial obligations, and if it were not for personal illness and being furloughed from work due to the pandemic, Id have an excellent record with Capital One. According to their records, I have never been late on my account with Capital One. Due to the financial restraints during the pandemic in XXXX, I chose to settle the debt owed to Capital One for less than the amount and ever since then, Capital One has been reporting my account as derogatory. 

Before closing my account with Capital One, Ive had a spotless record of on-time payments. While applying for additional credit and the fact that Capital One is reporting my account as derogatory to the credit bureaus, it continues to hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if this company make a goodwill adjustment to remove the " derogatory '' comment on my credit report and report me in good standing. I have settled with Capital One and paid off my debt. I honestly did not want the account to close but under the circumstances, the representative told me at the time, that is what this company had to do. This account being listed as derogatory has affected me since the year of XXXX and it is time this is corrected. By Capital One reporting this account as derogatory, which is equivalent to a payment being late over 60 days, hurt my credit history and my chances of obtaining additional credit for no good reason. 

Please remove this derogatory status from XXXX, XXXX, and XXXX, as soon as possible. 

In addition, this company did not suffer a financial loss as the principle was paid and I have paid a lot of money in interest so therefore, this company never suffered a loss. Please stop hurting my credit with the reporting of a derogatory account. I have never been late since the account opened in XXXX and it was closed because I was affected by covid. 
According to current covid stipulations, I do not believe that this company should be reporting my account negatively because of the impact I suffered during the pandemic. 
A settlement was reached with Capital One, therefore, nothing is owed, please remove derogatory status.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$470.00} Date of Account : XX/XX/year>
Product: Student loan

I signed up for a student loan in XXXX for XXXX. As soon as I got into college they started incurring interest on a daily basis. My loan went from XXXX to XXXX in the matter of two years. I started paying it down and I got it to XXXX again. I was at XXXX XXXX XXXX XXXX XXXX MI. My interest rate is 6.69 % compounding daily.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.
Product: Credit card or prepaid card

This account is a joint account between me ( XXXX XXXX ) and my wife ( XXXX XXXX ), we have this account since XX/XX/XXXX, XX/XX/XXXX my wife lost her job, we went through hardship time, we were make payment on time for all credit cards, other creditors helped us to keep credit cards open and make payments, Chase Freedom credit card did cooperate with us. In XX/XX/XXXX the account was overdue around {$530.00}, we receive a phone call from Hardship Department at Chase Freedom service, they gave us an offer to pay {$380.00} and schedule the remaining overdue balance on XX/XX/XXXX, in the mean time they will wave three months of interests, this deal will make the account current and will be able to use the card as soon as we make payment of {$380.00}. However, when we made {$380.00} payment as agreed, they close the account and did not fulfill their promise to wave three months of interest, when I called, they claim the representative can not offer such thing, after they listen to phone call, they agreed to wave part of the interest, and refuse to reopen the account. On XX/XX/XXXX we agreed to liquidate the account, they calculated the monthly payment of {$96.00} based on the balance ( {$4200.00} ) that day, we made the first payment {$100.00}, and second payment {$96.00}, however the account was showing overdue {$92.00}, I called them ( XX/XX/XXXX ) they claimed that representative was mistaken, after they listen to phone call, they promised us after we make XX/XX/XXXX payment they will take care of issue, after we made XX/XX/XXXX payment I called them, they claim the representative was mistaken again and they can not fix the issue, I asked for a supervisor, after he listen to phone call he promised to fix the issue, and he emailed another department to correct it while I am on the phone with him. After a week we check the issue was not fix, after they listen to phone they claim supervisor mistaken can not be correct. I spoke to a branch manager, he created a case, two days late a representative contacted me, she stated that this issue will resolved by card services only. The balance on this account is {$4100.00}, more than {$1500.00} interest and late fees because of customer services commitment they did not fulfill, they time we were waiting for they to correct the issue. Today XX/XX/XXXX they called us and refuse to fix the issue and asked us to pay the overdue balance and late charges they added this month. We founded that they reported that the account was late in XX/XX/XXXX, even we made a payment of {$380.00}, and late in XX/XX/XXXX and XX/XX/XXXX.
Product: Bank account or service

I have PNC Bank Checking virtual wallet account.On Wednesday Night around XXXX I received TEXT alert that they transferred {$2.00} overdraft protection account and balance was LOW and woke up at night ran to PNC ATM and Cash DEPOSIT in amount of {$200.00} at XXXX and my available balance was {$170.00} after same night around XXXX I received TEXT alert that my account is overdrawn on thursday morning XXXX ACH DEPOSIT came in my account in amount of {$10.00}, {$12.00}, and {$50.00} Total XXXX ACH deposit around XXXX. TOTAL DEPOSIT ( Cash+ACH ) is {$270.00}. 

So I did my part and act quickly to make account in positive balance BUT they still charge me {$36.00} fee for overdraft this is insane and they refuse to waive charge.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen that there was incorrect and fraudulent information on my report. I contacted these companies to have them removed and here are the companies with corresponding information ; XXXX XXXX XXXX {$350.00}, XXXX XXXX XXXX XXXX {$99.00}, XXXX XXXX. XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

For the past couple of months I have been attempting to have extra remove any/all late payments or any other unsanctioned action on my consumers report that are not up to federal codes or in compliance with congresss congressional findings. 
As per 15 usc 1666 states that there should be no transactions reported to my consumers report with my consent or authority. I have also asked extra to provide my with the laws granting them the authority to report negative remarks. 
They have not responded. They have not sent any laws rebutting my claim. So I demand they removed the 4 months of negative items which are causing great harm and are not in accordance with federal laws. 
See 15 usc 1681b permissible purpose and definition, as well as 1681c requirements related to information on consumer report.

To add congressional opinions see 15 usc 1692 a-k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my three credit reports on XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Product: Money transfer, virtual currency, or money service

Have had multiple occasions that money showed completed or transferred from another person and I used my card and received an over draft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I AM WRITING TO REQUEST VALIDATION OF THE DEBT REFERENCED ON CREDIT REPORT AND YOUR LETTER DATED XX/XX/XXXX, WHICH I RECEIVED ON XX/XX/XXXX. UNDER THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ), I HAVE THE RIGHT TO REQUEST PROOF THAT I AM RESPONSIBLE FOR THE DEBT YOU ARE ATTEMPTING TO COLLECT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00}. IN ACCORDANCE WITH THE FDCPA PLEASE CEASE ANY COLLECTION ACTIVITIES UNTIL YOU HAVE PROVIDED PROPER VALIDATION OF THIS DEBT. 

I INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH XXXX AND XXXX MULTIPLE TIMES AFTER MULTIPLE DENIALS.
Product: Debt collection

I received an email that a dispute I filed yesterday with XXXX  was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on XXXX website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me. 
She then gave an email address that is invalid. I attempted to live chat with several more agents on XXXX website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
Product: Mortgage

I am filing a complaint against Bank of America. For the third time I have been sent a Mortgage Modification dated XXXX XXXX, XXXX. The modification that was sent doubles my current payment and there was a modification that has been completed, filed and recorded in XXXX County, Florida I have a completed Modification that was recorded XX/XX/XXXX. This is the second time I have filed a complaint against Bank of America for this same issue. I was assured by their Resolution Department earlier this year that the issue had been resolved.
Product: Mortgage

I filed a claim to Wells Fargo for part of the settlement since we did a short sale foreclosure of our home of 27 years due to Wells Fargo not properly handling the account. XXXX. It took them a month to answer my claim and I received the answer today. They denied their actions and lied several times about calling us etc. the 3 years we had problems after Wells took over XXXX. Years involved XXXX to short sale foreclosure XXXX. 
The female rep who called today was like a drill sergeant and she told me about several phone calls her computer said were made XXXX XXXX? Etc. and numerous notices which we never received. I think I would have known if they had called every day for a week - which they never did and I would have seen all the notices requesting info I never got. The many modifications or forms in a variety of years I sent they said they never received my faxes- or mail and there were many. The payments they said they never received and found a month or months later or not at all. The numerous turn over in employees handling the mortgages who disappeared and never came back. 

She did not have any answers for my complaints- she just made up scenarios as we went along. She did not deny my complaints just tried to say it was my negligence or perhaps my husband tossed the notices etc- which never happened. Wells Fargo was a good Bank - Now they are one of the worst. The settlement lawsuits means nothing to those of us who lost our homes and our cars. They are doing anything to ignore us. Thanks for reading- XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns about Zelle 's handling of disputes, particularly in light of the recent CFPB complaint, which indicated serious issues with the platform. Although utilizing Zelle multiple times and reporting inconsistencies, both my bank and Zelle failed to fully explore my issues. They informed me that it was impossible to regain lost funds while continuing these actions. The CFPB 's findings reveal that Zelle not only failed to protect clients, but also allowed repeat criminals to exploit the system, leaving users vulnerable to frauds. The lack of accountability and transparency is intolerable, posing significant dangers to the security of customers.
Product: Debt collection

An account was reported to Rent Recovery Solutions that i have repeatedly advised the original creditor that i was disputing. I was living in an apartment complex and slipped and fell on their premises and they requested that i move out and then charged me for things that were not owed.
Product: Debt collection

PARAGON REVENUE GROUP Contacted me in regards to two hospital bills with past due deductibles. I gave them my Veterans insurance information for them to submit claims for payments as well as previously providing the hospital the same information. Ive also contacted the VA to ensure payments would be made on my behalf. The PARAGON REVENUE GROUP continued to contact me by phone and mail with no indication of insurance updates and they have now reported the past due bill to the credit reporting bureaus. By law, the treating hospital must submit claims for payments to the VA in a timely manner ( within 90 days of discharge from the treatment facility ). XXXX XXXX XXXX XXXX has a history of failing to submit claims to the VA and the employees dealing with insurance continually have issues with the proper entry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and Portfolio recovery is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.
Product: Checking or savings account

I just submitted a complaint # XXXX and it did not print out my statement and implied I wanted to be known as a veteran which is an untrue statement. I acknowledged it was true so there is no veteran affiliation to this complaint other than a VA employee committing bank fraud to cover up abuse on a va campus. XXXX XXXX and XXXX XXXX have family and personal ties in law enforcement who refuse to look into the fraud on my account and the bank has let them alter records and they committing violations of FDIC regulations on my account trying to or by closing it. Please refer to my original statement to clear this up.