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

I am writing to formally dispute the accuracy of the information being reported on my credit report after reinvestigation for the account on XXXX of XXXX listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXXXXXX XXXX  account XXXX Opened : XX/XX/XXXX XXXXBalance : {$10000.00} The above account information is inaccurately reported for the following reasons : Account states last payment XX/XX/XXXX on TransUnion but on XXXX XX/XX/XXXX. Also states that this account on TransUnion is late in XX/XX/XXXX but on XXXX closed.Reinvestigation Requirement under E-Oscar : According to Metro 2 guidelines and the E-Oscar automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/XXXX contradicts the reinvestigation results.The payment history reflects delinquency dates ( 30, 60, 90, 120, and 150 days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process. I am providing proof from the credit agencies to substantiate my dispute
Product: Debt collection

I told the collection agency that the debt with the creditor they were trying to collect was disputed and I filed a lawsuit against the creditor. The case is pending. The collection agency still reported this debt to the credit bureau 's ruining my credit. I don't understand what right these collection agencies had to do this without a court judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX  and sent all required documentation Per 605c, notarized to Equifax, XXXX, and XXXX. 
The adverse information has not been blocked as requested. 
Equifax sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX XXXX  request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.
Product: Checking or savings account

Shame on you CFPB for thinking an answer from Ms XXXX XXXX, Office of the Chairman who lied and/or reflected incompetence was a suitable response. 

Ms XXXX, I feel purposefully misrepresented herself in her response. She claims that said that some of these charges were duplicates. I NEVER SAID THAT. 

So ... let 's try this again. And you need to hold Citizen 's accountable. 
Disputes at Citizens Bank were not handled properly. All 3 disputes were denied, 2 claim numbers, but 3 disputes total. // There is no way to contact Citizen 's disputes department. I received 1 call from a private number, so of course I didn't answer ; from XXXX man with thick accent, claiming to be a Citizen Bank employee, telling me in an indifferent scripted tone, without any reference to a claim numbers, that " services were rendered ''. THIS IS FALSE. They aren't even all services.// After resubmitting my disputes I was told I would received 2 calls from disputes since there are 3 disputes and 2 claims numbers. I only received 1 call/ voicemail from a private/restricted number. What bank doesn't have a real claims department to contact? // Claim " A '' number XXXX totaling {$71.00} = 2 items. ITEM # 1. {$58.00} XX/XX/2021 is counterfeit XXXX XXXX makeup from an XXXX store offering money back guarantee. They REFUSED to give me my money back and now claim I am beyond the 30 day guarantee. At the time I was sick with XXXX XXXX. Scam XXXX store is called XXXX and is not related to the national chain XXXX cosmetics in any way, which I recently learned. As of XX/XX/2021 I learned this store is now closed for its scams. XXXX KNOWS I WAS SCAMMED AND REFUSED TO REFUND ME. CITIZENS BANK KNOW I WAS SCAMMED AND REFUSED TO REFUND ME. ITEM # 2. {$12.00}. A company to boost my social media followers sold me profiles of children in 3rd world countries. Claim " B '' number XXXX {$140.00} XX/XX/2021 XXXX purchase XXXX XXXX XXXX The employee dyed my hair a dark shade of blue. I wanted platinum blonde. She put too much blue in the toner and walked away from me. Normally I do my hair myself and told her to be careful not to dye my hair blue, which she proceeded to do. Due to XXXX XXXX XXXX I sought her assistance. She then cut, without my consent, my hair short due to my hair then being dark blue. I asked for the manger to call me and to date the manger has refused to do so. I made disputes with Citizen Bank. I refiled the disputes. The dispute department refused to allow contact or to even acknowledge the claim numbers upon 2nd dispute. I emailed XXXX whom to date has not responded back. I made them aware they are now part of my complaint to you. Please assist and hold Citizens Bank accountable to protect its consumers. 

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

I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX XXXX  payment on the XXXX XXXX  XX/XX/2020 and on the XXXX XXXX  XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX the living man, has made claims to the unauthorized accounts on my credit consumer report, under 15 USC 1681 XXXX XXXX, has no permissible purpose, or written consent. to report anything on my report, the information they have investigated can not be factual according to 15 USC 1681 ( A ) ( E ), the investigative report have to be information from the actual consumer. In addition, to deletion of collection accounts XXXX has been investigated more than 30 days. This information must be deleted.
Product: Vehicle loan or lease

My loan with TD Auto Finance has been set to AutoPay since it began. However, they have told me that in XXXX the autopay was stopped. There was no explanation given, but that is false because I was enrolled in it in XXXX and XXXX, as evidenced by the attached email confirmations. Due to TD Auto Finance 's malfunction, the payment did not process properly and was marked as late. When I was made aware of this, I worked with the TD Auto Finance IT team and confirmed that the error was on their backend because it was not saving account information correctly, and we were able to replicate it several times. In the attached screenshot it shows the exact issue in their AutoPay system where the bank account info what is entered in Step 1, and then confirmed in Step 2, is NOT what is actually saved in Step 3.

While they waived the fee, they have not reported correctly to the credit bureaus that the payment was never late. As a result, my credit score dropped 100 points form ONLY this! ( there were no other changes ). This is a violation of the FCRA because it is not accurately reporting the payment history of the account
Product: Mortgage

I HAVE A MORTGAGE ACCOUNT WITH XXXX XXXX FOR MANY YEARS & THEY'VE BEEN SENDING ME HARRASSMENT LETTERS ABOUT MY MONTHLY PAYMENT BEING BEHIND. ACCORDING TO MY RECORDS I DO HAVE HAZARD INSURANCE WITH SAME COMPANY FOR SEVERAL YEARS NOW. THEY SENT ME A ESCROW ANALYSIS ON XXXX & THEY ADDED THEIR OWN HAZARD/FIRE INSURANCE FOR THE AMOUNT OR {$4300.00} PER YEAR, SO MY MONTHLY PAYMENT WAS RISED FOR {$500.00} MORE THAN MY REGULAR SCHEDULED PAYMENT OF {$1200.00} TO {$1700.00} BECAUSE THEY SAID MY ACCOUNT IS SHORT. THEY ASKED ME BACK IN XXXX TO SEND COPY OF MY HAZARD POLICY AND I DID SENT IT QUICKLY SO THEY COULD ADJUST MY MONTHLY PAYMENT. I HAVE BEEN CALLING THEM FOR ABOUT 4 MONTHS NOW AND THEY SAID THAT MY PAYMENT IS CORRECT THAT THEY ARE KEEPING MY MONTHLY PAYMENT FOR {$1700.00} AND HAVE I'VE CALLED & BEEN TRANSFERRED TO DIFFERENT DEPTS. EACH TIME I CALL. NOW I OWE XXXX & XXXX AND THEY SENT ME A FORECLOSURE LETTER. I HAVE RECORDS THAT MY INSURANCE IS ONLY {$800.00} PER YEAR WITH XXXX AND ALSO HAVE RECORDS THAT IT WAS RENEWED BACK IN XX/XX/2017 AND US BANK MADE THE PAYMENT.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I as charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The account " XXXX  XXXX XXXX XXXX '' has been inaccurately reported by Equifax with late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are incorrect, as this account has been consistently paid on time and should reflect a " PAID AS AGREED '' status. This erroneous reporting violates the Fair Credit Reporting Act, which mandates credit reporting agencies to maintain accurate and fair information under 15 USC 1681. Equifax is required to conduct reasonable investigations to ensure the accuracy of consumer reports ; however, these inaccuracies persist. Additionally, 15 USC 1666B establishes protections against adverse reporting of payments in cases of errors or disputes, further highlighting Equifax 's failure to comply with federal law. These reporting errors have severely damaged my credit profile, hindering my ability to secure a business loan and housing for my family. The continued reporting of these late payments has caused undue financial and emotional distress. I request immediate action to correct this account by removing the inaccurate late payment history and updating the account status to reflect " PAID AS AGREED. '' If this issue is not resolved promptly, I may be forced to escalate the matter through legal remedies.
Product: Checking or savings account

Received emails from bank of America receiving an application, it being approved, and an account being opened, and the email being changed. Tried calling and got nowhere with there automated phone prompts. Emailed their abuse and security emails, no response yet.
Product: Credit card or prepaid card

My wall mart credit? capitol one card was reported lost/stolen late XXXX of 2019. On janruary XXXX two charges were made at store XXXX tchopotouloosuy wallmart one for XXXX and the other for XXXX the posted on janruary XXXX.and are associated with a card ending in XXXX, However after there investigation i recieved a letter six weeks later claiming recieved some sort of benefit from the loss of this card and its costs. This is not true. and i would like them to place this money back into my credit file as i didnt make these charges, I attempted to obtain a police report from wallmart, They said they couldnt provide meone because of the length of time that had passed that they could possibly look into it,. 

Help me with this matter as i would like this resolved Numbers for contact are XXXX this is capitol one fraud divisiion wallmarts number is XXXX
Product: Money transfer, virtual currency, or money service

Bank of America has a wire transfer service. That service has inadequate spaces for the required information to accomplish transfers in some cases. I need to transfer money to my XXXX brokerage account. To do this requires specifying the recipient ( XXXX ), their account number, for credit to the account in my name, and my account number. The BoA website only allows transfers to routing and account numbers and only to me personally. Further, it only recognizes checking and savings accounts- mine is a brokerage account, and I could also send it to my XXXX account. Clearly, the BoA system is simplistic and deficient.
Product: Student loan

I have contacted Navient, initially, the party I spoke to said XXXX XXXX on uncountable occasions. This company has this fraudulent account on my credit report three times. I have never applied for any loan of any kind with this organization. I have sent my domicile as well it is public information that I have lived between the XXXX properties XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX exceeding 20 years. My daughter has admitted to signing the documents in which I was mortified when finding this out. Her signing my name to a contract without my knowledge and saying that we were dealing with my spouse and son battling XXXX, which I have unfortunately loss them both was a massive ordeal, but that was her excuse for signing my signature and not asking, that is unacceptable. I continue to say that I knew nothing of this until discovering on my credit reports, which I immediately contacted them and have been going back and forth since. I am attaching one of the contacts from my daughter acknowledging it is her debt, XXXX XXXX, not XXXX XXXX. I am asking again for this debt to be removed. If this were my debt, I would have paid and this would be no issue, but to liable for something I had no knowledge is absolutely insane. I am asking Navient to release me of liability immediately and hold XXXX the liable party of the debt. Attached again is a letter from XXXX XXXX. Please remove this fraudulent debt from the XXXX bureaus immediately.
Product: Debt collection

A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.
Product: Student loan

Navient keeps pursuing me for my school loan balance 1. They can not produce my original signed loan document so no one can determine the loan terms and conditions. 
2. They illegally charged deferment fees and sent a letter and refund check due to a class action lawsuit. XXXX XXXX, et al. v. XXXX XXXX XXXX, et al., XXXX XXXX. XXXX XXXX. Have filed false documents in court.
Product: Credit reporting or other personal consumer reports

Please see the attached EQUIFAX data breach claim and FTC report and remove the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of Credit Union Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?
Product: Mortgage

we are behind on our mortgage payment and we are trying to keep the loan from going in Foreclosure. the bank says there is a Breach letter that expires on XXXX XXXX today XXXX i tried to make at least XXXX payment to keep the loan from going to fcl. they are not allowing me to make a payment even before Breach letter is expired. they are clearly in trying to take my house by not accepting any payments. we dont have {$7000.00} to bring the acoount current right now. but we can make XXXX payment.
Product: Mortgage

I have been trying to get a Short Sale on my home from Shellpoint Mortgage Services. The closing was set for tomorrow, XXXX XXXX, 2016 but had to be adjourned because of issues with Shellpoint. I have had to submit numerous documents multiple times to them because they kept saying they did n't receive them or were the wrong form, etc. I have called my representative at Shellpoint numerous times and she never answers the phone and never returns calls. Then she went on vacation and no one else seems able to help. It is my contention that they have received all the necessary paperwork, etc from me and my attorney but due to their incompetence the deal keeps getting delayed. Shellpoint already approved the Short Sale conditionally but we had to adjourn the closing because they say they did n't get certain forms back in time.
Product: Mortgage

On XX/XX/2018, we received a letter from Wells Fargo Mortgage informing us that they are selling our Mortgage to another Mortgage company called XXXX XXXX XXXX XXXX by XX/XX/2018. I have looked on line at reviews regarding this particular company and found many negative reviews. I am concerned because if this new company has suspect practices and motives -- in other words, they are not designed to aid people in maintaining/keeping their homes ; what choices do we have? -- if mortgage companies can choose who they finance, then why can't mortgagees decide who their mortgages are sold to? I am very concerned about my future in my home with this new company. I am a consumer what can I do? How can we be protected from predator type mortgage companies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap
Product: Credit card or prepaid card

I received a letter from Citi Bank stating my new credit card was mailed to me on XXXX XX/XX/2022 and was to be delivered this week. It has an XXXX limit. Acct endingin XXXX. I DID NOT ORDER THIS CARD. 
I called Citi Bank. On hold 20 minutes then referred to fraud and Iwaited on hold until I had to hang up. 
In checking my security.. 
liveautioneers apparently got my email off social media on XX/XX/XXXX. I do not recall visiting that website. I had no other reports. I am concerned about credit card fraud and my credit being impacted. Thank you
Product: Student loan

My monthly payment increased about {$40.00} during my transition from XXXX to Mohela. My payment auto-debited despite the fact that I can not currently cancel my auto-debit due to the transfer process that Mohela is undergoing with all accounts. I called to try to understand why my payment would have increased with no change from me ( I did not recertify or make any changes other than signing up for auto-debit a couple of months ago ). The assistant told me she could find no reason my payment increased and handed me off to a supervisor voicemail. The automated message said they would return my call within a few business days, but it has been longer than that and I still have received no information and I still can not cancel my auto-debit, which has already charged me the higher payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus Equifax, XXXX, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noted an account on my report that doesn't belong to me