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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

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

The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XXXX, XXXX ) and XXXX XXXX Account reference account XXXX, XXXX
Product: Credit card or prepaid card

Capital One Platinum credit card. I accidentally paid my account in full XX/XX/XXXX, through the app as i was sleepy. I thought i caught it in time, cancelled it, then paid what i intended to pay. A couple days later XX/XX/XXXX, I realized what had happened and as it was Sunday, I tried to call Capital and my bank to get it resolved as I had paid many bills that day and they would all bounce as I had wiped out my checking account with the payment error- It was a little over {$9000.00}! They said, too bad, the money already left, Capital said - will send check in mail and it will take 3 weeks. I said i'm desperate - I need that money sooner. Capital said OK, we will send it electronically. It will take 10 days instead. I agreed. After 10 days I called Capital as the money was not in my checking account. Capital said - Oh, we can't send it electronic, we sent you a check. I asked why nobody called me to tell me that the plan had changed. Capital said- we don't have that function. OK, fine. I wait the three weeks and there is no check. I call Capital XX/XX/XXXX? not sure of this date, and said, it's been 6 weeks now and I don't have a check and you are charging me interest on money that you have control over. I asked them to stop payment on the check and just put the money back in to my Capital account. Capital said, we can do that. It will take 4 days for the cancel check and then a few to get the money back in to your account. XXXX ( would not give last name ) said I promise you I will follow up with you on XX/XX/XXXX. She never called. I called Capital XX/XX/XXXX, and asked the status and XXXX states that another check was issued XX/XX/XXXX and is in the mail. I said that was not the plan and nobody told me the plan changed. I told her I did not want to wait another 3 weeks for my money. She asked if I wanted to stop payment on that check and have her debit my account. I said that was the plan last week and the plan changed and why is it going to be different this week? She did not have an answer for me. I told her that it has now been 7 weeks since I have tried to get back $ XXXX dollars and that I've been lied to now on numerous occasions. She told me all she can do is stop payment and credit my account and it would take 4 days plus a few, just like XXXX had said. I told her that I had no confidence that this would happen as XXXX had told me the same thing and to add to it, never called when she said she would. XXXX stated she would call me on XX/XX/XXXX. I have no other recourse to get my money back so I am reporting them for delay in processing and lying to me about what was happening with me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed off a certified dispute letter AND THE CREDIT REPORTING AGENCIES HAVE YET TO CORRESPOND WITH ME, IN ADDITION THEY FAILED TO NOTIFY ME WITHIN 14 DAYS THAT THEY RECIEVED MY DISPUTE.THIS IS A VIOLATION OF THE FCRA AND NEEDS TO BE CORRECTED AND THE CONSUMER LAWS UPHELD
Product: Debt collection

LVNV FUNDING LLC is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me.
Product: Mortgage

On XX/XX/XXXX, I received a tax bill from XXXX XXXX for my XXXX property taxes. The due date was XX/XX/XXXX On XX/XX/XXXX, I noticed that they had not yet been paid and I first contacted Homepoint Financial, the holders of my mortgage, through their customer service number ( XXXX ) XXXX, and over the course of a 29 minute long call, I explained that the property taxes were not paid and that the amount on my escrow account would not be enough to cover them, so I wanted to find a solution to it. I was informed that an internal ticket was generated and the timeframe for resolution was XX/XX/XXXX. 

On XX/XX/XXXX I checked that the taxes were still not paid, so I contacted Homepoint again through ( XXXX ) XXXX, and was told, over the course of a 44 minute long call that it was still pending. I decided to call the tax department directly through ( XXXX ) XXXX and had to wait for 1 hour and 40 minutes. In this conversation I was again assure that my taxes would be paid. I also requested to be taken off escrow but was denied via a letter a few days later. 

On XX/XX/XXXX, I received a call from a supervisor from Homepoint. I was unable to pick it up, but I received a voice mail stating that a supervisor was directly working my ticket and would call me back when it was solved. 

After a week of waiting, I called Homepoint tax department again on XX/XX/XXXX and, through the course of a 10 minute long phone call, was assure that my taxes would be paid and that the payment would be spread out over the year for the difference in escrow balance. 

On XX/XX/XXXX, the deadline for the tax payment, I made XXXX calls to Homepoint, the longest being 12 minutes, where I was again assured that the check was sent out and that my taxes would be paid. When asked about whose responsibility it'd be to pay for interest and fees, I was told that an internal investigation would take place to determine who was at faul. 

On XX/XX/XXXX, I was displaced out of my home on account of weather and power outages and received another call from the supervisor from Homepoint I could not pick up. A voice mail was left saying that the check was picked up by XXXX on XX/XX/XXXX and it was held in a XXXX facility but was expected to be delivered by the end of the day. 

On XX/XX/XXXX, day of writing of this complaint, the XXXX XXXX XXXX website still does not show my bill as paid and has applied a {$840.00} fine to my tax account. 

With the provided tracking number for XXXX, I was able to see that the check was only actually mailed on XX/XX/XXXX and only delivered today, past even the extended deadline for tax payments. 

I made another call to Homepoint 's tax department and, through the course of 1hour and 8 minutes, I received no answers or meaningful support as to who would pay the taxes and the fine. I have also requested a copy of all correspondence and phone calls between myself and Homepoint since the beginning of our contract.
Product: Credit card

I have been back charged from capital one credit card services. My credit card limit was XXXX and now it is reflecting a XXXX over limit charge
Product: Debt collection

I called the given number that the collection was under ( XXXX ) XXXX, but was redirected to a separate company ( XXXX ) XXXX. 

I spoke to the other company that was called XXXX and confirmed my information in which I settled with a payment to close the account. They told me Id receive a letter detailing that the account would be closed in XXXX. I didnt receive anything and when I called the original number they said that the account had not been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXXXXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XXXX XXXX, 2017 and XXXX XXXX, 2017. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
Product: Consumer Loan

I have a XXXX hours week job, that pays near {$850.00} every XXXX weeks period. This job is regular. At work at XXXX location. With a car, I have the potential of doubling the number of hours and thus the income. My only expenses are a Home Owners Association fee of {$320.00} per month. Oh, I do have an XXXX XXXX for food. I am not looking for a luxury car, but XXXX wheels for the XXXX job/additional XXXX hours a week. This is the answer I get : " Thank you for your interest in a pre-qualified offer from Capital One Auto Finance. After reviewing your information, we 're unable to provide you with a pre-qualified offer. We will send you a letter in the next 7-10 business days with more information regarding this decision. 
Remember there 's no risk to your credit score when checking your eligibility for an XXXX pre-qualification offer. 
For your privacy, our customer service associates are unable to discuss reasons for our decision by phone. " Then, at other end of the XXXX phone number, I get to speak to an obviously XXXX girl, paid as miserably, as I am ( paid ). 
Does anyone have a badge and a XXXX, for these XXXX, and not innocent Americans of XXXX?
Product: Debt collection

I received a call from a XXXX XXXX stating that I took out a payday loan in 2011 in the amount of {$840.00}. They wanted to know if I wanted to settle today for a lesser amount. I asked who the payday lender was and they said it was " Insight Capitol ''. I have NEVER applied for a payday loan with this company. I told them this and they said if I wanted to dispute the case, I could but I would be " buried '' in legal fees. I told them that I am definitely disputing it, and then she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request of XXXX of XXXX!! 

On XXXX I requested an investigation from Transunion regarding inaccurate/fraudulent item on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that's being reported erroneously. On XXXX Transunion sent a letter that the investigation was completed, and the item was not deleted and had been verified. I'm flabbergasted because I don't understand how they arrived at this conclusion since this information is definitely incorrect and is fraud per the FTC identity theft report that was sent to them. 

This request is under FCRA 611 ( a ) ( 7 ) for the description of the procedure used by Transunion in providing all information to the creditor associated with my previous dispute under FCRA 611 ( a ) filed with Transunion on XXXX. 

Please provide me with all the information you used for the investigation, required by FCRA 611 on how you actually verified this fraudulent item. 

Please reply within XXXX  days or delete the negative item I originally requested!!! 
Stop playing games with my livelihood and follow the law and send me detailed information on how you arrived at your conclusion. All information should be sent to the CFPB and to the email I provided to them.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit that I didnt authorize
Product: Credit card

I paid off all my balance and closed my Discover card sometime last year. After a couple of months I received a statement for a membership fee plus a late fee. In XXXX last year I called the Card Company and told them that I had already closed the card and protested to them about the charges. They agreed to remove all charges and told me that now the card had been closed. For a number of months I received no statement from the card company. Sometime in XXXX I received another statement from the card company now with a much larger late fee. I again called the card company and told them that I had closed this card twice and have made no transactions on the card. The first agent told me that she saw the noting about the XXXX discussion, however she did not have the ability to take any action. She forwarded me to another agent. In this way I was forwarded XXXX times. I got frustrated in the process and told the last agent to do whatever he could. He asked me if I wanted to dispute member ship charges. I told him that the charges had been already taken off by them. Therefore I should not have to dispute them again. I also protested about the number of times I was transferred without any resolution to my problem. He said he could not take any action. He asked me if I had any proof that I closed my account. I told him that I had closed the account by phone. 
I keep receiving monthly statements with additional late fee. Now for a charge of {$10.00}, XXXX which had been earlier cancelled XXXX the balance stands at {$270.00} XXXX almost all late fee ). I feel that I am being harassed by the card company and request your assistance.
Product: Mortgage

I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo.
Product: Debt collection

On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong me.
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX, ACCOUNT NUMBER XXXX, all 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a bankruptcy on my credit report since XXXX XXXX, XXXX. The bankruptcy was dismissed. It was dismissed! I never went to court. None of my debts were XXXX because the bankruptcy was dismissed. I would like this taken off my report. It has been over 5 years it 's been on my credit report. My information was not even completed in the bankruptcy paperwork in the court. This derogatory mark on my credit should not be there.
Product: Debt collection

Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Their support had ridiculous wait times ( 20+ min minimum ) and there is no way to close the account online. They opened an account in my name without my permission ( I had an account with BBVA ) and then charged me {$2.00} for sending me a paper statement ( no transactions ) even though I was never asked or prompted to opt in or out. I do not want to do business with PNC and I want my account closed immediately. I requested the closure days ago via their chat but have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX in XXXX and used it intermittently over the years. I hadn't used my XXXX XXXX card for several years and I shopped their bedding and mattress sale on on XX/XX/XXXX, at which time I made a bedding and mattress purchase that totaled {XXXX}. During my interaction with the sales representative, ( XXXX XXXX ), I informed him that I had a card with XXXX XXXX but, had not used it for several years. He accessed my account information online and stated it was open with a limit amount that would allow me to purchase the bedding and mattress set. The representative ( XXXX XXXX ) finalized the sale and set it up for delivery on XX/XX/XXXX. XXXX XXXX delivered and set up the bedding on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from my Citi credit monitoring service that stated my FICO credit score had dropped by 35 points. I checked to find what had affected my FICO credit score and found that XXXX XXXX had reported that I overcharged/charged over my credit card limits. I contacted XXXX XXXX    Consumer Credit Department XX/XX/XXXX, XXXX XXXX  at XXXX. Spoke with CSR XXXX. Explained my reason for calling and requested an explanation for their credit report that dropped my FICO credit score by 35 points. She stated there was no supervisor for her to consult and she would have one contact me. I called back XX/XX/XXXX, XXXX XXXX, spoke to XXXX/Supervisor, credit specialist XXXX. He stated there was no penalty for going over card limits with XXXX XXXXXXXX. I informed him that their sales rep ( XXXX XXXX ) had closed the sale and made no mention of going over the card limits. He stated their sales reps can't see credit card limits on their systems. He said they didn't send the report that lowered my FICO credit score and there wasn't anything he or XXXX XXXX could do. There haven't been no other businesses that reported on my FICO credit score, other than XXXX XXXX. I seek your assistance in this matter.
Product: Credit card

I have had a Belk credit card for more than 20 years and it was upgraded years ago to a Belk Mastercard to be used anywhere. I was in store on about XX/XX/2024. The sales associate said that my card was eligible for an upgrade and was that ok. I assumed because of how much money I spent on the card, my rewards would be upgraded. Not true. I got a new Belk store only credit card. It is certainly not an upgrade in any way. I contacted Synchrony Bank to rectify this situation and get it off my credit report. They told me they had received XXXX of calls over this matter and they could do nothing. I would have to go through Belk. I contacted Belk customer service and they said they could do nothing but I could go make a complaint at my Belk store in person. I did that day. The manager said there was nothing she could do. She stated that Belk realized they had a problem and fixed it. She actually pointed out the young man who lied to me at the cash register. If Belk has admitted they did something illegal, like open new cards while telling customers it's an upgrade, then they must fix this with consumers. I suspect there was a monetary reward for managers and sales representatives, and it went awry when those folks lied to customers and opened a new account under the guise of upgrading an existing account. I also contacted Belk customer service on XXXX and was told they would get back to me. That was a month ago. I want the card canceled without affecting my credit score, and I want the ding on my credit score for opening a new card removed. So far, Belk and Synchrony have said they can't do that. My Belk store is in XXXX Georgia. The manager at that store is the one who admitted Belk knew there was a problem but refused to fix it.
Product: Credit card

My Ex Used My Personal Info to open multiple credit cards without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX