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

I have made several attempts to the credit bureaus to investigate and provide accurate information on my consumer report. Last attempt was XX/XX/24 and they reported that they did and updated accordingly. I got a copy of my credit report 2 days ago and was appalled by the amount of inaccuracies listed. Collection accounts listed as " Open '' Balances listed, date last active varies, numerous discrepancies AND inconveniences across the bureaus. It is my right as a consumer to accurate credit reporting. This is damaging to my credit and my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been notified by XXXX, as well as me, on more than one occasion involving account # XXXX from XXXXXXXX XXXX to date of this complaint. Also Spring Oaks Capital LLC has been notified as well. Most recentIy, see XXXX  Dispute Report # XXXX. However, XXXX XXXX & Spring Oaks Capital LLC keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least three major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!
Product: Credit reporting or other personal consumer reports

I paid off a loan from XXXX XXXX on XX/XX/2024 I have receipts and now XXXX XXXX and XXXX XXXX still say my loan is still active and I havent paid it. Ive been denied additional financial assistance because a creditor report shows that its delinquent in XXXX XXXX and experience and need wallet and XXXX XXXX. Ive disputed this on email and ohone and now and keep getting noticed that I still have an account balance. it says that my information is inaccurate. I have receipts showing that I paid off {$23000.00} to happy money and its still showing up after my disputes. The account is now showing delinquent and its now lowered my score. Its been 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and concern regarding the recent attempt to remove fraudulent items from my credit report with Credit Bureaus. This is the second time I am addressing this issue, and I am profoundly disappointed that the fraudulent charges remain unresolved. 

I initially contacted your company to report several unauthorized and fraudulent charges on my account. I immediately took action by notifying your customer service department and submitting the necessary documentation to support my claim. After a thorough investigation, your team assured me that the fraudulent charges would be removed, and my account would be restored to its accurate state. 

Regrettably, despite the assurances I received during our previous correspondence, I find myself still grappling with the same fraudulent charges on my most recent account statement, dated [ date ]. It is not only frustrating but also deeply concerning to see that the problem persists, affecting my financial security and trust in your company. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. I must emphasize that these charges are not a result of any actions on my part but are, in fact, the result of unauthorized transactions that occurred without my knowledge or consent. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused financial distress but have also eroded my confidence in your company 's ability to safeguard my financial interests. 

Moreover, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account and that you communicate the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am experiencing severe anxiety due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIANXXXX XXXX XXXX XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Dear sir/madam My name is XXXX XXXXi have a checking account with chase.i got a XXXX  XXXX loan I'm a self employed.chase locked my account on XXXX stating that I need to provide my tax returns, a loan letter from XXXX and a Irs ein number.i did provided them all the documents and they opened my account and I used some money. But as on XXXX they have locked my account again saying that the ein needs to be before XX/XX/2020. According to law self employed don't need a EIN number to file taxes and to get XXXX  loan.i used my personal social security number when I applied for the XXXX loan.i got XXXX XXXX loan last year which was a higher amount into my same checking account .at that time chase didn't blocked my account and didn't send me any messages regarding EIN number.i f this is chase requirement than why wouldn't they ask me last year when I got my 1st loan from XXXX.i need a fair inquiry about my case. And if chase can't help me out than please send me a written letter explaining the reasons why my account was locked.you can contact me at XXXX
Product: Bank account or service

The Financial Institution I am filing a complaint about is : OneMain Financial XXXX XXXX XXXX, MD XXXX XXXXI took out a consolidated loan from my credit union to pay off a few small credit cards and debt, OneMain Financial being one of my creditors. I took a check that was written out by my credit union to OneMain Financial and was told, " I could not use a check from another loan to pay off my loan with OneMain financial. ''
Product: Student loan

Fedloan Servicing took over my loans in XXXX of XXXX after I initiated the PSLF application process. I maintained my auto-payments that were established with my original lender and was never notified of changes to my invoice or loan structure. My loans are Direct Loans and I was under the Graduated Repayment Plan, I knew I would be denied for PSLF, but I am hopeful for the Temporary Expansion of the Public Service Loan Forgiveness program as I have worked for over 10 years in non-profits, made 120 on time qualifying payments, all of my employers have been certified and I have always paid in excess of what my established billing amount has been for years. I have been battling Fedloans since XX/XX/XXXX with consistent denials as a result of incorrect information on their part. They recognize the errors when I call and inform me that they will resubmit my application for review with TEPSLF. They will not allow me to speak to a representative at TEPSLF and will not provide copies of our conversations nor the emails they claim to be sending to TEPSLF on my behalf explaining the errors. My most recent denial came in XXXX of XXXX, I received a phone call from a representative from Fedloan stating my account was ready for approval for forgiveness but they needed my employer to send a recent certification letter. I had my employer do so, and resubmitted a new application as directed by Fedloan representative. I then received notification less than two weeks later that my application was being denied because the amount that Fedloan has been invoicing me monthly is less than what my payment should be if I were under the Income Based Repayment Plan, however my monthly payments made for years, exceed what my payment should be under the IBRP. The amount being billed by Fedloan is exactly XXXX less than what the IBRP payment would be. My monthly payments are 100-150 dollars more than what my payment would be under IBRP. They also claim that my estimated IBRP amount went up almost XXXX between the XXXX notification of XXXX being the required payment, to XXXX it exceeds XXXX. My documentation that I have submitted all along to Fedloan has not changed, my household size had not changed, I have always provided my tax return documents from XXXX for full disclosure and clarity. I just found out yesterday that when Fedloan acquired my loans from XXXX in XXXX of XXXX when I submitted my application for PSLF, they altered the structure of my Graduated Repayment Plan, dropped my monthly invoiced amount from XXXX down to XXXX without my knowledge or approval, resulting in the denial of TEPSLF. If Fedloan had not changed my repayment structure and left my invoiced amount where it was with my previous lender, my application would have been approved for forgiveness. I feel this was done intentionally and illegally, I meet all of the outlined criteria for TEPSLF and Fedloan is doing their best to block the process, including by actually altering people 's loans. This needs to be stopped and I am seeking legal action, I have also notified my Attorney General for the State of Arkansas as well as the Department of Education Complaint line.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except XXXX and i have attached the same letter over and over again, i have also verified with the creditor wells Fargo and they have sent the notification many times please have XXXX change their reporting thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my mother cut a check to me for the amount of {$50000.00}. On XX/XX/year>, I deposited the check at the BMO XXXX branch located in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Soon after the deposit was made, BMO informed me that the back office/fraud department would not allow me to access the check funds. Apparently, they needed to do more research on the check and I was informed that the entire process may take up to 30 days. As a result, my account became a withdraw only account with limited access. 

On XX/XX/year>, I lost faith in BMO and decided to go to the BMO XXXX XXXX branch located at XXXX XXXX XXXX, XXXX XXXX CA XXXX to withdraw most of the of my funds before they unreasonably hold onto anymore of my money. Lo and behold, when the 30 days came ; BMO decided to close my account with no mention of anything about the {$48000.00} funds remaining from the check hold. Every BMO employee, in person or on phone, told me to contact their fraud department ( XXXX ) XXXX. 

Between XX/XX/year> and now, I have called the fraud department multiple times ( sometimes they would hang up on me ) and the fraud department is telling me that they are holding onto my funds. The only way to retrieve the money is to have the check issuer call their bank to recall the funds. I ask them is there some sort of form they have to fill out or what legal document is BMO requesting and the responds I get is " The bank should know, it is a bank to bank transaction ''. 

So I tell my mother to call her issuing bank, XXXX XXXX  and they say that the funds have already been withdrawn. Long story short, on XX/XX/year> we do a XXXX way call between : me, my mother, the XXXX XXXX department agent XXXX, and the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX asks XXXX what the problem is and XXXX basically states that the funds are on a hold account and that BMO needs to have the issuer 's bank mail out a hold harmless letter. Once BMO receives the hold harmless letter, BMO will return the funds to the issuer 's bank. 

XXXX asks them where she should send the hold harmless letter, and XXXX provides her with the email. As a side note, XXXX was the most professional/helpful agent in that department I spoke to. About 2-3 days later, XXXX informs my mother that she is bewildered with the situation. XXXX has asked their legal department as well as the higher up executives of the bank and this is the first time they have heard anything about this. XXXX then apologizes and said she was advised to not send any hold harmless letter or statements out. This brings us to the present situation and the money is still being held hostage by BMO.
Product: Debt collection

I recently checked my credit report and discovered that this company is reporting that I owe them a debt.
Product: Credit reporting

XX/XX/2014, I have attempted to get my annual credit report from Equifax. 
On their request form it asks for information about a mortgage and a recent auto loan, neither of which I have. It then tells me to send in a copy of my S.S. Card and my drivers license and a copy of my lease. Basically, my entire life information. 
Then I never receive anything in the mail. 
Twice I have sent information. Twice I have received nothing in the mail. 
This is HIGHLY concerning as they are apparently showing items that would indicate identity theft, yet refuse to follow the law and give me a free copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing my on their credit report my account with XXXX was 30 days late from XXXX of XXXX. This account should never have been late and should never have been reported late. I have filed previous complaints in XXXX to address this error in reporting. For some reason this account this year started to report that period in XXXX of XXXX as late. I filed a complaint with the CFPB and XXXX responded that they directed Experian to report my account as never late. Their response to the CFPB complaint in XXXX and then recently in XXXX of XXXX indicated the same that they directed Experian to report my account as never late. 

In XXXX I filed a complaint with Experian XXXX in which they responded to the CFPB that my account was reflecting exactly like I said it would as never late. 

I have been filing disputes with Experian to challenge this error in reporting. Each time they tell me the company is telling them I was late. They will not look at their own comments or any of the documentation that I provide them that this is an error. They simply say it is a automated dispute system and the creditor is saying I was late. 

They tell me I can go back to the creditor but when I go back to the creditor they say they have directed experian to correct this information. It is a back and forth an back and forth where my credit report remains in ERROR and Experian is doing nothing to fix it.
Product: Debt collection

I am in recepit of a letter dated on XX/XX/XXXX from Credit Corp Solutions. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with Credit Corp Solutions and they have breached my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

Ive been dealing with XXXX XXXX XXXX, identity abuse and abuse towards my credit report from XXXXXXXX XXXX XXXXXXXX XXXX 
As of, XX/XX/XXXX, Ive been going back and forth with the company via emails ( XXXX, XXXX ) and phone calls on several occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding my security deposit ( {$1100.00} ), in which has not been returned to date. I became a victim of XXXX  XXXX on XX/XX/XXXX and within XXXX XXXX  I was asked to vacate my dwelling due to the XXXX. Ive filed reports with XXXX  on XX/XX/XXXX on this matter, and the XXXX XXXX XXXX  on XX/XX/XXXX. The Property Manager XXXX responded to XXXX  on 3 different occasions and never stated a balance was owed ( which is false ), she advised the XXXX  that I couldnt receive my security deposit because the lease wasnt met ( my 1 year lease was met as of XX/XX/XXXX and I never signed a new one ). Then all of a sudden I get a Letter dated XX/XX/XXXX stating a debt is owed ( {$1200.00} ) to the apartments and threatening that my credit will be damaged. This Business has caused a great amount of stress in me and my children lives and still damaging my name by reporting inaccurate information on my report. The Attorney General has yet to follow up and Ive sent them follow up emails on XX/XX/XXXX and XX/XX/XXXX. I have all necessary documents and all will be attached below. Not once did the Business state a debt was owed.
Product: Bank account or service

Citibank continues to lie and stall about my closed account. They cashed XXXX checks and told me they never received them, even accused me of lying. The checks were sent to their XXXX department. I have the banking statements. My Congressmen XXXX XXXX 's office has been assisting in this matter. Since their intervention in XXXX Citi apologized but soon after reneged. Now Citi has gotten very retaliatory. Not only have they reneged on their agreement to settle for a lower amount they now increased it. They are crooks and the world knows it!
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry is shown on my report that i did not authorize