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

XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify XXXX or Experian of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.
Product: Checking or savings account

XXXX XXXX XXXX I have not been able to access my account since the last week of XXXX. I have spoken with them four times each time they give me a ticket number, still nothing gets resolved. I closed my account on my phone conversation with XXXX on XXXX XX/XX/XXXX. I requested the balance of my savings account {$80000.00} to be transferred to my checking account with another bank. They said it would XXXX days but have not seen the funds in my checking account as of today XX/XX/year>.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I look at my credit report and saw these collection and charge off accounts on my credit report that are not mine. if these accounts are open or closed I want them off my report immediately. The accounts are XXXX XXXXXXXX AND XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And all the Inquiries.
Product: Debt collection

Amsher collection service, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX, placed a phone bill debt on my credit report. this phone bill debt is a result of someone using my name to get a phone.
Product: Credit card

This is the email I received on XX/XX/XXXX from a creditor that I have been with for close to 20 years. I have NEVER been late, have always made above the minimum payments ( with the exception of the last few months ) and because I charged {$500.00} for a boat rental, this email was generated. I immediately called and explained my distaste and how this was an unfair business tactic. Even though they did not demand the payment they gave me 3 days to come up with 25 % of my balance or else they will reduce my limit which will ultimately affect my credit. My limit was $ XXXX and they lowered it to $ XXXX because of what they found on my credit? They stated upon my phone conversation I was " using my card too much '' which is what flagged the account?? My limit is set to be used and as long as I am paying, what is the issue? I did read my agreement and it says " XXXX to some terms XXXX require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We can not change certain terms during the first year of your XXXX membership. '' 3 days does not suffice for the advanced notice. 

XXXX below - As a responsible lender, were always monitoring our XXXX XXXX accounts. Based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau XXXX, your account is being reviewed for a possible limit reduction. 


What you can do Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$3800.00} by XX/XX/XXXX. 

Heres how you can make a payment Log into your account to make a payment online.

Call us at the number at the back of your Card.

Make a payment through your Amex App. If you dont have the app, you can easily download it now.

Something to keep in mind Until the review is complete or a payment is made, you and any Additional Card Members may experience temporary disruptions to your spending.

Were here for you If you have any questions, feel free to chat with us online or in your Amex App, or give us a call at the number on the back of your Card. Were here for you XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXXXXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting 3 diffrent dates of last activity., there are 3 diffrent account STATUS, XXXX is reporting a DEROGATORY, while XXXX reports a PAID account 3 diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting 120/late also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.
Product: Credit card or prepaid card

i'm behind on my payment and from XX/XX/2020 to the time i filled this out ( XX/XX/2020 XXXX ) I have received about 29 calls with 3 of them calls on sundays, i feel i'm being stalked and harassed. I feel CAPITALONE is not following law put into place to stop this type of mental terrorism to consumers. They should be fined or other steps should be taking to limt them them to 1 call every 90 days or fined XXXX per call
Product: Mortgage

Re : XXXX Complaint You closed this out after a letter was received from Quicken Loans. 
The company now holding ou mortgage is XXXX, and they show they received our XXXX payment from Quicken. 
We made the XXXX payment to Quicken on XX/XX/XXXX, and it is reflected in our statement from Quicken. XXXX  says they did not receive this payment. They do shoe receipt of the ESCROW amount of {$4000.00}, but no payment, all in XXXX. 
A previous 3-way call between Quicken, myself and XXXX did not resolve this payment discrepancy. Today, XX/XX/XXXX, XXXX  still does not show receipt of the XXXX payment, but they will pull that payment from the ESCROW to apply. 
This will make the ESCROW account short come time to pay taxes. 
Quicken maintains they sent the XXXX payment to XXXX. 

This is exactly why I made the original complaint, because it will cost me money, time, XXXX  and trust.
Product: Mortgage

I have a loan with Seterus Inc. Loan number XXXX. I always pay on tine and never missed a payment. Last month in addition to my monthly payment of {$240.00} I transferred {$35000.00} in intent to cover part of my principal. Seterus, instead of covering my principal, transferred the money in to so-called Suspense account. I called them to make sure that they transfer the money from this account to my principal. They promised to do that, but of course never did. It is convenient to them to keep my principal higher in order to charge me more interest. This first telephone call I made was on XXXX/XXXX/2015. Since then I was calling 2 times a week to see what has been done. So far nothing has been done and they just feeding me promises and telling how hard and how long it takes to transfer the money from one account to another. So now after a month I have no choice, just to look for your help. 
Thank you so much for your help in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts stated below has violated my rights XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # 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.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent issues I have faced in correcting the late open account on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the late payments promptly. I am asking for your help to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Credit reporting or other personal consumer reports

Yamaha Motor XXXX, Capital One and XXXX XXXX all show as chargeoff which means they have all been turned into certificates of indebtness and can no longer be reported on my credit profile. Reporting is also a violation of the Privacy Act of 1974. It is also illegal to report my transaction history.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Over the past few years I have had different prepaid cards NetSpend XXXX XXXX XXXX Etc I've also stayed at hotels quite frequently and most times hotels ask for a deposit I've seen when the deposit has literally been taken out of my account and when it's pending but then all the sudden it disappears as far as the whole transaction is will disappear from every account that I have and I seem to never get my deposits back from these hotels and this has been quite some time since this has been going on every time I call call the think company of whatever card I'm using they tell me I have to wait r make a dispute and then they are not even able to see the transaction so a lot of times they think I'm lying however I also called the hotel to hold that will tell me that they released my security deposit but somewhere in the system my security deposits for these hotels have been being kept and I would like to have my security deposits back now and I believe that these prepaid cards seem to have the most issues when it comes to getting your money back for example every Hotel have gone to they ask are really prefer you to not use a prepaid card because the security deposit and never really comes back which of course becomes the heat issue I'm not quite sure what to do but none of the banks seem to be helping me and I've lost a lot of money because of this please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. 

I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to Experian XXXX and XXXX. 

The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. 

It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. 

Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. 

The Entire account Being Reported by The Department of Education XXXX is inaccurate and is affect my personal credit report tremendously.
Product: Credit card

To Whom It May Concern, I am writing to formally submit a complaint regarding the recent closure of my accounts with Capital One. I have been a Capital One customer for over 10 years, maintaining a good standing throughout that time. Recently, I performed work for an individual who agreed to pay off my credit card balances as compensation. Although the payments were initially successful, they were later canceled and returned. As a result, Capital One has permanently closed my accounts, suspecting fraudulent activity. 

I want to emphasize that I had no knowledge of any issues with the payments and that the closure of my accounts appears to stem from circumstances beyond my control. Unfortunately, I am unable to obtain further documentation from the individual or their account, as I have no means to contact them. Given my long-standing relationship with Capital One and my prior good standing, I believe the closure of my accounts is unjust. I have attempted to resolve this issue directly with Capital One but have not received a satisfactory resolution.

I request that the CFPB investigate this matter and assist me in reopening my accounts or finding a resolution to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from Equifax stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : Equifax : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX, INQUIRY DATE XX/XX/XXXX 5. XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 7. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 8. XXXX, INQUIRY DATE XX/XX/XXXX 9. XXXX, INQUIRY DATE XX/XX/XXXX Thank you for any help that you can provide.
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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : 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.
Product: Mortgage

As refrence prior complaint XXXX in regards to FCRA none of these issues have been corrected per a response from Carrington Mortgage dated XX/XX/XXXX by referencing CFPB that they could supress info 60 days after a QWR derogatory reporting began on my account on XX/XX/XXXX I had not submitted a QWR until XX/XX/XXXX and there after only on the dates of XXXX, and XX/XX/XXXX of XXXX so as it stands my FCRA should have been accurate by XX/XX/XXXX it's not and in fact by their own admission the XX/XX/XXXX payment that was reversed was reported a missed payment when that was false.On XX/XX/XXXX I made a payment in the amount of XXXX and additional XXXX to Escrow account which dropped my payment to XXXX. With no payment due until XX/XX/XXXX On XX/XX/XXXX I made a payment in the amount of XXXX and an additional XXXX to my Escrow account which then dropped my payment to XXXX with the next due date of XXXX a response letter sent to the Department of Financial Services and myself dated XX/XX/XXXX that they didn't submit in full detail to CFPB pg XXXX states they added XXXX to my XXXX payment.Which is false the payment on XXXX in the amount of XXXX was all that was due there was no necessity to add anything per the additional Escrow payment on XXXX the account was paid in advance on XXXX no payment was due until XXXX in the amount of XXXX due to the additional XXXX paid to Escrow account. Carrington Mortgage Services has not added any funds to any monthly payment nor was it necessary to do so no amount of XXXX was due. 
Per pg 3 of the response on XX/XX/XXXX it was stated my taxes were projected at XXXX used to calculate my Escrow payment which was inaccurate as well my taxes were XXXX paid on XXXXPage 3 of response dated XX/XX/XXXX also references XXXX being placed in suspense on XX/XX/XXXX for which a falsified proof of claim was submitted to Federal Court on XX/XX/XXXX when all my account information per their own website showed the account not only current but paid in advance as well as monthly statements reflect corresponding information. FHA/HUD have also reviewed the loan/account and confirmed paid in advance on XXXXOn XXXX as well per Carrington Mortgage Services response that XXXX was attempted to be reapplied without success when no reversals alterations or were ever necessary my information should have remained in a factual state.To add insult to injury a full correction should have occurred on XX/XX/XXXX per the Carrington Mortgage Services response letter dated XX/XX/XXXX now another letter dated XX/XX/XXXX asking an additional 7-10 days is beyond comprehension.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.
Product: Consumer Loan

Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.
Product: Student loan

I attended the fraudulent college XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX. My school was affiliated with this loan company Navient ( formerly Sallie Mae ) when I applied for these loans. The school had only this lenders loan application forms in its office. I had two private loans that were consolidated into one private loan all through Sallie Mae/ Navient . 

I have recently tried to apply for a School Misconduct Discharge with Navient in order to have these loans forgiven. My application was immediately dismissed and the reason I was given was that my loan type does not qualify because of 'the holder rule '. I have twice now asked Navient for a copy of the Private Consolidation Master Promissory Note and both times they have only sent me copies of my application with no Promissory Note. I happen to have found my own copy of the Master Promissory Note from this consolidated loan I inquired about and there is not one mention of Holder Rule language or statements included on any of the pages. From my understanding this is a violation of Federal Law.