23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Experian put erroneous information on my credit report. When I inquired about the information I was told it was from a doctors office. The company however, is called the XXXXXXXX XXXX XXXX XXXXXXXX and the total amount is for {$1700.00}. I disputed the amount, advised it was not mine, and requested any documentation proving that this was my account. I also provided documentation that my identity have been stolen. Has previously put a block on my credit report and usage of it. Despite all of this information Experian advised this was my account but provided no information to confirm.
Product: Credit reporting or other personal consumer reports

Information on Experian credit report : XXXX XXXX Account opened on XX/XX/year> Original balance {$29000.00} Remaining balance {$21000.00} Monthly payment {$680.00} Original Creditor- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I have spoken with XXXX XXXXXXXX XXXX and they confirmed that they do not have any accounts linked to my information or SSN. 
I have disputed this with Experian multiple times, and they refuse to remove the account or provide proof of the debt/account This account and address is not reported on any of the other bureaus. I have asked Experian to check to see if there is a " mixed file '' where a consumer with similar information may have their accounts reported to your file if error. Experian has declined to research that issue. 
I Need help to resolve this issue. It's been on going for years now & I can not get it corrected. 
Also, Experian reports addresses under my name. I have never visited neither lived there in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX let a thief open an account using identity theft. My identity was stolen. XXXX and Equifax are REFUSING to remove fraudulent information. I am updating my complaint. I am proving BOTH an FTC Identity Theft Report AND a XXXX Police Report. Please CFPB MAKE THEM STOP HELPING IDENTITY THIEVES AND FOLLOW FEDERAL LAW. Thank you.
Product: Debt collection

I am writing this complaint due to Bull City Financial not responding to my request for validation of this debt. I have written a letter asking for this information in XXXX XXXX with no response and I have also contacted them via telephone with no end result of receiving this information. They are still reporting this information on my credit reports and the 30 days to verify and validate the debt has passed. I would like for them to remove this information since they have not validated this debt in an accurate manner. Both debts are totaling {$280.00} from XXXX. Thank you!
Product: Checking or savings account

I received an email that Bank of America was unable to open a Bank of America Advantage SafeBalance Banking Account. I DID NOT ATTEMPT TO OPEN ANY ACCOUNT with Bank of America. This e-mail was dated XXXX2023. I do not want to open and account or do any banking with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Unauthorized Changes to Credit Report and Data Breach Concerns I am writing to formally express my concerns regarding serious issues with my credit reports and the handling of my personal information by Experian, XXXX, and XXXX XXXX XXXX. 

First, my personal data was compromised in data breaches involving these companies, which has left my privacy unprotected. Additionally, there was an unauthorized unlocking of my credit freeze. I had previously ensured that my credit reports were securely locked and did not authorize these changes. I asked for the incorrect addresses to be removed and it was not. 

Moreover, there are incorrect addresses listed in my credit report that I have repeatedly requested to be corrected. Despite my efforts, these inaccuracies persist. Given the significant breach of my privacy, unauthorized changes, and ongoing inaccuracies, I am seeking immediate action to rectify these issues, ensure my data remains protected, and provide accountability for these violations. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have notified XXXX & Transunion MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my STATE ATTORNEY GENERAL as this has not been removed. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. 

Please remove ASAP. Transunion is in VIOLATION of 15 U.S. Code S 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.
Product: Credit card

I was sent a Walmart Capital One card XX/XX/XXXX. I had not had XXXX in years & did not apply for a new one. I called in and spoke to a gentlemen with Walmart Capital One & he told me I had an interest free promotion that was active & did not expire. I received my bill and just noticed I do have interest charges on it. I called today, XX/XX/XXXX & they told me there is interest. I asked for a supervisor to review the call that was recorded where he told me I would not be charged interest for using the card. All she said was she was sorry I was misinformed. I would of never used the card If I knew there was interest. Can you please assist me with this?
Product: Debt collection

The company portfolio recovery services represented XXXX XXXX XXXX  and this account was dissmissed making me no long responsible for this account see attached.
Product: Debt collection

I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.
Product: Mortgage

COMPLAINT # I 'VE ALREADY MADE TWO PAYMENTS FOR OUR MORTGAGE..XX/XX/XXXX ANDXX/XX/XXXXIN THE AMOUNT OF " {$1800.00} INCLUDING ESCROW ''. MY " TAX-EXEMPTION '' IS NOT BEEN DEDUCTED EVER SINCE. I AM HOPING STEARNS LENDING WILL REIMBURSE MY MONEY FROM THE TWO MONTHS OR WHATEVER LENGTH OF TIME THEY TRY TO LEAD ME ON WITH THEIR UNRIGHTEOUS DOMINION, VS. UNSCRUPULOUS CONDUCT.
I RECEIVED A RESPONSE FROM THEM ONXX/XX/XXXX. A COMPLAINT CASE #XX/XX/XXXX STATING IN RESPONSE TO ( CFPB ) : THERE ADDRESS : STERNS LENDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I AM STILL WAITING FOR WHATEVER IS TAKING THEM SO LONG. I DISCLOSED MY TAX-EXEMPTION TO THEM DURING THE PROCESS OF PURCHASING OUR HOME IN XX/XX/XXXX, AND AGAIN IN XX/XX/XXXX TAX-EXEMPTION # XXXX XXXX AND PARCEL # XXXX. HAS BEEN PROVIDED TO THEM AHEAD TIME. SINCERELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( WIFE. XXXX XXXX VETERAN, XXXX XXXX XXXX ... I AM ALSO : XXXX XXXX XXXX XXXX VETERAN '' ACCORDING TO MY MEDICAL RECORDS WITH THE VA REGIONAL OFFICES STATES WHERE I LIVED PREVIOUSLY .... ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX., AND NOW ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

I've been trying to tell BoA that their online App is malfunctioning but every time I speak to them they are rude to me and won't help me. After I try to resolve the issues they just end up hanging up on me. The main issue is that no one is able to understand the problem and they keep transferring me around. The Credit Card department is the most unreasonable and rude people where if it's NOT a simple resolution they just disconnect the call. Unprofessional and very Frustrating to consumers. The problem is that when I selected 1 time frequency as my payment type but it keeps going every month. I never made it a " Reoccurring '' payment but it automatically does it on its own. This is a big problem and has cost me fees. I try to get help from them but they get frustrated with me and then just disconnect the call. This has been going on since XXXX XXXX of this year. I don't know what to do anymore but to contact this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax not only continues to report false and misleading information about me on my credit file, but also when I attempted to have the items corrected, I was told that they do not even have a credit file for me. This is false, misleading and is an unlawful violation of my consumer rights.
Product: Checking or savings account

I have had an account with Capital One for several years. Earlier this week I lost my debit card and requested a new one. Today ( XXXX.19 ) I received a new debit card and activated it in my app. The app was glitching and not loading completely but I was still able to activate the card and get a success message. I just got paid 2 days ago so there is plenty of money in my account that I need to access to pay my bills today. Shortly thereafter I tried to use it and it would not work, so I tried to call. I had to call 4 times before I could connect. Then I was on hold for 40 minutes -- call was dropped. I called again and waited on hold for another 30 minutes. While I was waiting I had started researching and found that they had XXXX  from their customer service account, @ AskCapitalOne, that there was an unspecified technical error causing these issues ( XXXX XXXX   XXXX ).  No information was provided in regards to what is specifically happening, why it is happening, what they are doing to fix it, how it will be resolved, or how they intend to compensate customers for their losses. I am currently unable to pay my bills, shop, or eat because I can not access this money. I have attempted to contact them via XXXX as well and have not received a response.
Product: Debt collection

A company identifying themselves as XXXX XXXX XXXX XXXX called my cell phone XXXX at XXXX XXXX XXXX XXXX. The automated dialer asked if I was XXXX XXXX to press one and I think it said disregard call if not, this is an illegal non-compliant TCPA call that was made to my cell phone. I pressed one to tell them its a wrong number. 

The male agent was immediately defensive about me asking for the company name as if he didn't want to give it, he stated he didn't call me that the automated dialer did, I advised that was a problem, he was speaking over me and very unprofessional, he refused to give me an address to send correspondence to and hung up on me. I called back and the same thing happen again with a male agent I think the same one, again refused to give me an address for correspondence, I was online and asked if he was associated with the MN location and he said no XXXX, GA and was extremely unprofessional, said he didn't have anyone in their Compliance or Legal department and hung up on me again. 

They acted so deceptive and unprofessional that I felt an obligation to report them. I was going to mail them correspondence to not contact me anymore just in case verbal wasn't enough but instead ended up wasting time while I'm working to get an address from someone who called my cell phone for the wrong person. This company is clearly not living up to what they say on their website and I quote " We practice our PhD, or " Preserving Human Dignity, '' philosophy when talking to clients ... we will collect money while maintaining mutual respect. '' On the third call I reached a Mrs. XXXX who accidentally hung up on me, I called right back and she answered and gave me all of the requested address information. XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Product: Credit card or prepaid card

Benefit Claim Number : XXXX Card Holder : XXXX XXXX XXXX : Chase XXXX XXXX credit card Summary : Dispute for travel reimbursement for medical emergency Contact : XXXX XXXX My wife, XXXX and I ( XXXX ) purchased flights on XXXX using our credit card number ending -XXXX on XX/XX/XXXX. XXXX completed XXXX school and we were moving from XXXX to XXXX XXXX. Flight and baggage fee total {$190.00}.

On Thursday, XX/XX/XXXX, XXXX XXXX, sustained injury to her XXXX XXXX  XXXX. She was rock-climbing at XXXX XXXX  in XXXX XXXX when she fell off the wall and hurt her XXXX. Ambulance took her to XXXX XXXX Hospital where she underwent XXXX and tests. She sustained incredibly painful XXXX XXXX. Doctors note is included, and she was unable to fly across the country the next day on FridayXX/XX/XXXX because of extreme pain.

Chase XXXX XXXX has travel reimbursement for medical reasons, but they wo n't approve our case. We have filled out all requested information that we can. Chase Claims Benefits requests a doctor complete their Physician 's Statement. We have reached out to XXXX XXXX Hospital several times by phone and email, but billing and administration can not / will not help us. This is the Emergency Room, and they can not get the emergency room doctor to complete the Physician 's Statement. We understand their inability because Emergency Room doctors are very busy saving lives.

Please help us.

Best, XXXX and XXXX
Product: Mortgage

On XX/XX/2024, I paid half of my upcoming mortgage payment amount due on XX/XX/2024. When I tried to pay the remaining half of the mortgage payment amount on XX/XX/2024, I noticed the XX/XX/2024 payment was applied to an escrow account, not the principal and interest of the mortgage. I called the bank on XX/XX/2024 but its mortgage customer service department was closed. On XX/XX/2024, I called and spoke with a representative from the mortgage department who confirmed the XX/XX/XXXX payment was applied to an escrow account. I asked that the payment be applied to the XX/XX/XXXX principal and interest payment due with the correct as of date to match when the payment was received by the bank. The representative explained to me that the bank did not accept bi-weekly payments for principal and interest and could not process the XX/XX/XXXX payment towards the XX/XX/XXXX payment due until the full payment amount was received. Further, the representative indicated the payment would be applied based on the date of the later payment and not when the monies were received by the bank. This process does not allow consumers to pay down principal and interest faster on mortgages and disadvantages consumers greatly. The process is intentionally set up to prevent consumers from paying their mortgages quicker and is not transparent to the borrower upfront as part of the mortgage origination process. The bank says that it does not charge pre-payment penalties to mortgage borrowers but is not transparent in that they do not allow consumers to make mortgage prepayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX Balance : {$38.00} Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Balance : {$960.00} Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/2019 and a balance of {$76.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I did not receive my free annual credit report. This is a repeat request from last year.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company XXXX XXXX on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my XXXX XXXX XXXX loan was sold to a third party collection firm named Arco Collections. The original loan amount from XXXX XXXX was XXXX. Arco Collections had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company XXXX XXXX refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.
Product: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

{ account name ; lates } This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CREDIT ACCEPTANCE CORP XXXX XX/XX/2012
Product: Debt collection

My company, XXXX XXXX XXXX, worked with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX until XXXX XXXX or so. At a certain point in time, a miscommunication on their end caused the relationship to be severed because the departments within XXXX were unable to communicate with each other, causing two parts of the company to simultaneously keep withdrawing money from my account ( to pay debts owed ). Part of this relationship entailed them holding onto reserve funds of 15 % that they would give us on a rolling 3 month basis. However, they claim they accidentally forgot to set that up. Upon circling back and asking for my reserve funds, instead, they said we owe them nearly {$4500.00}. I asked for the two forms of proof required to validate this claim. They only provided one, which can not be proven, and ignored the other request for the reserve ledger which is the more important piece as it would validate they owe money. This was in XXXX. I continued following up and they ignored me and recently sent my company to collections. As I do not intend to pay a bill I do not owe money for and since they can not furnish proof that I owe this money, I am concerned that they are misrepresenting money owed. I spoke to my counsel and my counsel said this is a common tactic by XXXX and they never return money. By extension, I am assuming the claim of {$4500.00} is completely bogus and they likely owe me $ XXXX. Right now, since I have no means to access the old records, all I want is my debt written off. If I can get my reserve funds, even better. But I do not want a tarnished reputation because of an inept and unethical company who apparently is known to do this to others according to the lawyer. This company should be carefully investigated and audited but right now my concern is for my reputation only.