23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

As of earlier today on XX/XX/21, I went to my appointment early, and was seen almost an hour after my appointment time, only to learn that my account was wrongfully closed without reason, while I had pending direct deposits. They refused to help me, they would not let me get the remaining balance of my paycheck. I was told to wait and was not given a specific time frame on when I can receive my payment in the form of a check. I am XXXX and recently moved to a new state. My family and I have barely gotten completely settled in. I made updates online to my account, because I did not have the chance to update everything in person. It was literally a emergency move. My rent was due on the XXXX, and now, Late paying my rent, electric and water, as well as other essential bills for my household. A representative explained to me that a temporary lock was on the account until I can verify who I am in person, to notify them of my recent changes. I was told twice by customer service and again to client protection services. Client protection services assured me that nothing had gone wrong with my account, no red flags, no fraudulent activities, and that they only wanted me to verify my identity in person, to lift temporary lock off of my account. I was not told to make an appointment the first time. I was only told after walking in prior to this afternoon.I did everything as advised to do, and found out almost an hour after arriving that they closed my account. They had the call on speaker. This was embarrassing and I did nothing wrong to deserve this. One of the women said something to another woman that was assisting me with my account, saying oh its one of those cases. I sat shocked and in disbelief of what was happening, as tears of anger, feeling drained filled my eyes. Even when I can get this resolved, I never again wish to bank with this branch again. This was a horrible repulsive experience. I was not given a fair chance and I feel I was prejudged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1.DEPT OF EDXXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.
Product: Credit card

I was charged multiple fees for transactions on my account that was drawn out of an old account and Citibank is racking up fees and interest also when I first got the card I was told that I was n't going to be charged a member fees per the account terms I have been charged fees after I called Citibank to have the fees discussed and reversed the interest has cause my account to be over the limit and affect my credit dramatically
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my report were not authorized by me.        XXXX  on   XXXX   XXXX   XXXX     XXXX   on   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.
Product: Credit reporting or other personal consumer reports

I am writing to formally report inaccuracies in my credit reports from all three major credit bureaus. Because of my attempts to fix these issues since XX/XX/year>, nothing has been done to address the discrepancies. 

Specifically, there are multiple inaccuracies, including but not limited to : Evictions : Incorrect or outdated information that does not reflect my actual rental history is being reported. 
Repossessions : Accounts are being inaccurately reported, either as repossessions that did not occur or with incorrect details about the accounts. 
I have made several efforts to dispute these errors directly with the credit bureaus, providing documentation to support my claims, yet the information remains unchanged. This inaccurate reporting has significantly impacted my financial well-being and access to credit. 

I am requesting the CFPBs assistance in ensuring the credit bureaus investigate and correct these errors in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company jefferson captial systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law
Product: Debt collection

I spoke directly to Portfolio over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( XXXX benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX
Product: Credit reporting or other personal consumer reports

victim of id theft. I attached police report to finally put this all to an end immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED INFO FROM XXXX XXXX THAT I WAS 3 MONTHS BEHIND IN MY TDBANK CREDIT CARD PAYMENTS UPON SPEAKING TO TDBANK I WAS ADVISED THAT I GOT MY STATEMENTS BY E-MAIL WHICH I DO NOT I RECEIVE PAPERSTATEMENTS/TURNED OVER TO FRAUD UNIT ( TDBANK ) IT WAS FOUND OUT THAT SOMEONE HAD CHANGED MY ACCOUNTS E-MAIL AND PHONE NUMBER PREVENTING ME IN GETTING MY BANK PAPER STATEMENTS. ACCOUNT CLOSED AND WAS ADVISED THAT I WOULD BE REFUNDED MY LATE FEES ALSO ADVISED THAT MY CREDIT " LIMIT '' WAS REDUCED FROM OVER {$16000.00} TO {$3700.00} CAUSING MY CREDIT SCORE TO DROP VERY LOW. RECEIVED LETTER XX/XX/2019 THAT MY CLAIM # XXXX WAS CLEARED AND THAT I WAS NOT AT FAULT AND RESOLVED " IN MY FAVOR '' AN UPDATE WOULD BE MADE TO THE ACCOUNT ON MY CREDIT CARD. LATE PAYMENT WERE DEDUCTED, BUT MY CREDIT LIMIT WAS NOT RAISED TO THE ORIGINAL LIMIT. CAUSING MY CREDIT SCORE TO REMAIN " LOW '' FAIR STATUS. DUE TO THIS OTHER CREDIT CARD COMPANIES ALOS NOTIFIED ME THAT THEY WERE LOWERING MY CREDIT LIMIT BECAUSE OF THE ACTION TAKEN BY TD BANK. JUST WANT MY CREDIT SCORE RETURNED TO WHERE IT WAS.
Product: Debt collection

I have received a debt collection report to my credit score from a compnay called Credit Management LP. So, it says that the original creditor is a company called XXXX XXXX in Texas. I have never been in TX. 

I dont know why is this report on my account. then, I called to Credit mamagement to get copy of the invoice and they said " that they are not longer holding that account '' I should contact XXXX '' but, the report still on my credit report. Then, I called XXXX requesting copy of the Invoice of the service and I have not received anything yet. All they told me is that was " a Service in TX '' So, it shows perfectly that it is a fraud affecting my credit score.
Product: Debt collection

This to complain regarding a debt collector agency by the name of XXXX  phone number ( XXXX ) XXXX. My wife received a text regarding a debt and some account requested to be block. Not sure if is fraud or a real collection agency.
Product: Credit reporting or other personal consumer reports

This is a fraudulent reporting activity and this company must be stopped. I have tried to dispute this information over and over again with the bureaus by sending documents to support the statement and they will not correct it. The keep saying the company has verified this as correct. It is not correct and I am requesting that this erroneous reporting account be corrected. I called XXXX spoke with a lady verified my name XXXX XXXX XXXX and DOB and Social. The lady advised that the account has a different name but my social and DOB stated that she couldn't help me with any information. How are you reporting an account on my credit report that I can't speak about. 


I have sent in my FTC reports to the bureaus and they refuse to block this activity
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

My name is XXXX XXXX XXXX, and I am submitting this complaint without any influence rom any third party party or agency. Please see attached documentation and identification as it contains my complaint and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX  XXXX Balance - ; XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX FL XXXX Balance - ; XXXX XXXX Balance {$2100.00} ;
Product: Mortgage

I began to struggle with my mortgage payment in XX/XX/XXXX while cooperating from a XXXX XXXX and a XXXX. I had some out of pocket medical expenses and I informed Mr. Cooper, my lender of my struggle. I heard nothing from them until I received an auction sale date for XX/XX/XXXX. Ive been working with Mr. Cooper all the month of XXXX and nothing happen. Just the usual rudeness and hours of hold time. I called today and was told by Mr. Cooper that they offered me a loan modification in XXXX and my first trial period payment was in XX/XX/XXXX and since they didnt hear from me the month of XXXX they put me in foreclosure with the XX/XX/XXXX sale date. They acknowledge they never called me in XXXX because I was under the modification but I still was being processed the same month for foreclosure. I can not be in foreclosure and loan modification at the same time. I Never received a loan modification trial period and today was the first I heard about it. The state of Georgia says they must give me 45 days and I didnt get that time. When I called today they did not quote me the disclaimer nor did they advise me that I was being recorded but I do have names and departments. When I called back to ask a few more questions my calls were blocked. On the internet the sale date/ auction date was submitted XX/XX/XXXX. I have $ 100K equity in my home and I shouldnt have to lose my home for {$8300.00}. They gave me one option and thats to pay the reinstatement amount and this is the only option I cant do. There are too many complaints that Mr. Cooper, better known as Nationstar, subjects borrowers seeking mortgage modifications to Kafkaesque delays and obstruction in Violation of state laws. I need them to offer me the program they said they offered me that would get my mortgage current and affordable. I was told today the loan modification lowered my monthly mortgage payments. Again I Never received a loan modification trial period and today was the first I heard about it. I need them to give me the time the state allows so I can be considered the modification to save my home.
Product: Mortgage

My mortgage servicer is Mr. Cooper ( Nationstar ). 
the servicer failed to pay home insurance on time from the escrow account. 
the home insurance expired on XX/XX/2023. I called on XX/XX/XXXX to the servicer to confirm that the home insurance was indeed not paid on time and already lapsed. 
the renewing insurance amount is {$960.00}. 

I then contacted my insurance company ( XXXX XXXX ) to paid it out of my pocket in order to renew the insurance while my servicer attempt to figure out the disbursement of payment. 

couple of days later ( today, XX/XX/XXXX ) I checked the escrow account and noticed that two ( 2 ) payment of {$960.00} was made to XXXX XXXX. I called my servicer again to confirm that indeed the double payment was made. at this time the extra payment can not be cancelled but according to the servicer I will receive refund from insurance company and then have to deposit {$960.00} back into escrow account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed again XXXX, Equifax and XXXX my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approx XXXX XXXX I cancelled a transaction of {$400.00} that I had entered on Google Payments. I received a confirmation of the cancellation. I relied upon the information and used the funds to make other payments. The following day they debited my bank account the {$400.00}. They have been telling me since then and are now telling me that it will be 710 days to return the funds that they should not have taken. Their support center has done nothing to correct the error. The just repeat the information on their website or cut and paste it into an email. I think that it is either inconvenient to have people Available to correct their errors. The claim that it is impossible to fix. Certainly there is a person capable of correcting this but they cant or wont relay the information. As they are not regulated like a bank they seem to believe that they dont have obligations. This is costing me hundreds of dollars in fees and loss of reputation. Their representitive offered me a {$5.00} courtesy credit. I need the {$400.00} back and will address the fees later. Thank you.
Product: Debt collection

I have spent the last 4 years fixing my Consumer Report to only have two different debt collection Associates attempt to put on my Consumer Report a debt that is not mine and I have no knowledge of as soon as my credit report starts to become credit Worthy. This is the second of two attempts in the past 3 months to tarnish My Consumer Report by a company. This new account has just shown up and is stating XX/XX/year> I have incurred {$3800.00} of money owed to them. I attached a copy of the only place that I have been to in the past 5 years concerning any kind of body or health inquiries XXXX XXXX XXXX. I owe absolutely nothing to any XXXX XXXX or XXXX XXXXXXXX XXXX. This is another attempt to keep my credit score low and keep me from obtaining adequate financing or credit for my family. If I need to take litigation against these companies because they keep harassing me with falsified information applied to My Consumer Report that's what I will do because this is unjust unfair and completely prejudice. I am being harassed outright by companies who feel that they can place whatever they want on my Consumer Report and I've had about enough of it. This is XXXXXXXX XXXX I'm a woman and I'm an XXXXXXXX XXXX woman and I am stating that this is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifying consumers of dispute outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed accounts, as Experians inactive violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX  {$560.00} XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX  {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Jefferson Capital is reporting an account on my credit report that I have not received any communication from them about. The account is reporting with a company called XXXX XXXX. I have not received any documents or letters from Jefferson Capital about this account. The account just showed up on my credit report in XX/XX/2021. Now the company is calling me repeatedly. As far as I know Jefferson Capital was required to send a letter to me before reporting this account on my credit report so that I could have a chance to request validation. The company did not send me this letter. They have not sent me any letters. Nothing. This account should not be on my credit report.
Product: Student loan

Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus
Product: Checking or savings account

I was blocked from enabling external applications to access my checking account at XXXX CST on XX/XX/2018 at the web address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete/Remove Inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EQUIFAX ARE SHOWING LATE PAYMENTS ON MY XXXX XXXX ACCOUNT WHICH WAS CORRECTED BY XXXX XXXX AND UPDATED INFORMATION WAS SENT OUT TO BOTH BUREAUS. THESE LATE PAYMENTS MUST BE UPDATED AND CORRECTED IMMEDIATELY