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

First National Bank of Omaha has placed a delinquency on my credit report for a card which I do not have. I do not have an account with this organization unless this is the result of fraud or theft.
Product: Credit card

I am a XXXX XXXX XXXX XXXX XXXX who rents out my extra room on a daily, weekly or monthly basis ( similar to an XXXX XXXX XXXX XXXX type situation ) And so i rented my room out for 10 nights to a man named, XXXX XXXX who made two payments of {$520.00} to cover the total rent costs of {$1000.00} + {$40.00} cc processing fees. Which he paid for using his girlfriends Apple credit card, with her permission. While staying here I witnessed him on numerous occasions call the cc company to make false claims about purchases he indeed was responsible for. After witnessing his shady behavior first hand as well as him stealing money from my bedroom, we asked him to leave once his XXXX day was up. In retaliation he has called the cc company to claim that the {$520.00} payments that we processed using our square cc reader were supposedly fraudulent charges not made by the account owner. 
So when I received the charge back from XXXX, I contacted the account holder for the Apple credit card, which was XXXX XXXX ( XXXX girlfriend ) and she claimed to have no knowledge of XXXX using her cc, which I know is a lie, because when I heard him call the Apple credit card operators, they had to send a verification code to the account holders phone number on file, since he was calling from his phone and not her phone number, she would receive the text message verification code and then text it to him so he could repeat it to the customer service operator and get access to her credit card account. Not to mention on a couple occasions he needed to order a new credit card, because the card he had was stolen ( another fabrication to charge off his purchases ) and in order to activate an Apple credit card, you need to put the box that the new credit card came in, next to the account holders phone, and thats how the new credit card gets activated. So in order to turn on the new credit cards, he must have used her phone to do it. Yet she was trying to spin a story to me that she has been out of the state for the past few months in on the XXXX XXXX. Well, if thats true, how did he gain access to XXXX phone if shes on the XXXX XXXX, which he obviously did! otherwise, he wouldnt have been able to turn on the new credit cards, and she was obviously in cahoots with him. Otherwise how would he have gotten the verification codes that got sent to her phone? 
When I attempted to contact golden Sachs credit card over this issue, and to report this fraud scam, I was unable to talk to anybody because I dont have an account with goldman sachs XXXX and apparently having an account is the only way that you can get transferred to the fraud department. It makes no sense whatsoever. So I am making this report in order to have the chargebacks reversed to my XXXX  account, so I can be made a whole again, since my services were rendered in full, and I deserve payment for said services. 
The charges in question were made on XX/XX/XXXX via XXXX, to XXXX XXXX ( XXXX XXXX XXXX  ) in the amount of {$520.00} x XXXX.
Product: Credit reporting or other personal consumer reports

I have an account with Capital One and previously since XXXX the account appeared as if it was closed. This month I received a letter from them stating that I owe XXXX dollars and since the account is closed I was never able to pay them and I called the number and tried to contact them by email but I never received a response. I would like to do something so that it does not affect my credit and I can settle the debt.
Product: Mortgage

We inquired about refinancing our home mortgage with Truist Bank aka SunTrust or BB & T who was our lender at that time. Interest rates were going down and were told it wasnt a good option for us and it might not be possible. So we worked with a different lender and refinanced lowering our interest rate by nearly two points. We closed with the new lender and the loan with Truist was paid in full and we received conformation of this via e-mail from Truist and were told it would be 7 10 days and the Escrow Balance would be processed and sent to us. Two weeks later I called after we received the monthly mortgage statement in the mail showing a XXXX balance and the escrow amount owed to us, Our Money, Not theirs. I have called their customer service line and spoken with representatives and requested a supervisor once a week for six weeks and have now been provided an escalation case number. They claim to have sent my escrow funds to me on XXXX XX/XX/2021 yet it still has not arrived and they claim they cant provide me written proof or documentation that they ever sent the check. Their current claim is that covid is slowing mail delivery and thats why my check has not arrived in the past 16 days. On Monday XXXX XX/XX/2021 I sent a check via snail mail from CA to MD and it arrived Wednesday XXXX XX/XX/2021 so this can not be true. They have now exceeded the duration to return my escrow funds to me as required by federal law as the refinance closed at XXXX XXXX XX/XX/2021. Truist Bank aka SunTrust Bank or BB & T is known and documented as being a lender that holds money owned to clients and customers so they can earn interest on those funds as long as possible and delaying the lawful return of customer and clients funds to them not only to gain the interest but to deny and prolong the time when the owner of those funds has access to them almost as a form of retaliation for changing service providers. Their actions are not only unlawful and criminal they are unethical.
Product: Student loan

As of XX/XX/year> I have been charged {$370.00} in interest on my loans. As of XX/XX/year> Mohela has placed me on an administrative forbearance while they attempt to recalculate my monthly payment under the XXXX plan. At this time, I was informed that the interest rate of my loans was set to 0 % and that I would not be charged interest. However, on XX/XX/year> I was informed by MOHELA that this was in fact not the case, and that my loans had been accruing interest while I was on administrative forbearance.
Product: Debt collection

The agency, Immediate Credit Recovery Inc, stated over the phone on XXXX XXXX, that they had tried to contact me at an address I moved from in XXXX 2013. I only discovered there was a court decision when I saw that they had taken {$160.00} out of my XXXX SSI on XX/XX/XXXX. 

I have called and also emailed them. I was referred to their " XXXX department '' once the original representative, a XXXX XXXX, discovered I was on XXXX with the judgement that I was unable to work. But their XXXX department has not returned my calls and I 've been calling for XXXX week now. 

I have asked to see the court order, and the original debt, as I was under the impression that when XXXX took money from my court ordered back pay, my entire student loan debt was paid. I spoke to collectors prior to my XXXX award, at which time I had been XXXX homeless for about 6 years, so I did not refuse to pay the debt, I honestly had nothing to pay the debt with. This is a fact that another credit agency took the time to verify, so I do n't understand why this agency could not do the same. 

I have tried to tell the credit agency that with my current rent, after they take the {$160.00}, it leaves me only {$17.00} for the month. I can not easily find cheap housing, as I have been denied housing without a co-signer, because, I have been told, my monthly SSI payments of {$1000.00} are not enough for me to rent an apartment by myself. I currently have to rent month to month. 

I would appreciate at the very least to have the paperwork in my hands, for my records, to settle my debts once and for all. I do not understand why the agency could not find me at my present address in XXXX Michigan : I have lived here for over 2 years now, and other agencies have found me, such as the California XXXX XXXX. Also, they found my bank account information, which is a different bank than the one I used in XXXX XXXX. 

This is causing me enormous XXXX, which I understand is not easy for people just doing their job of debt collection to sympathize with. But I have little and sporadic family or social support here in Michigan, I am quite isolated and I feel helpless at this point. I am trying to find cheaper housing but until then, I do not know how to live on {$17.00} a month. 

Thank you for your time and consideration,
Product: Debt collection

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had a collection I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts XXXX that I have included screenshots of inside this complaint, on dates XX/XX/XXXX till present XX/XX/XXXX. This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I Purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX ; Successfully financed the vehicle w/ Capital One ; whom I also have a credit card with. 
Successfully enrolled the new Account in AutoPay w/ my credit union : XXXX XXXX XXXX As well as w/ Capital One Auto Finance XXXX 
Payments were scheduled for the XXXX of each month & ran On-time & w/o issue for ( 4 ) months from XXXX Until, XX/XX/XXXX the AutoPay was halted. 
I checked w/ my Credit Union about the situation ; I have the Capital One Credit Card & the Capital One Vehicle enrolled in the AutoPay program w/ XXXX XXXX XXXXXXXX XXXX 
The AutoPay for the credit card was not halted or affected ; just the vehicle. 
They chalked it up as a mistake/glitch in the system. XXXXWe made payment & Re-Established the AutoPay for XXXX to Capital One for the vehicle. 
XXXX verified that Capital One canceled the payments from the receiving end. 
I did not request nor submit a cancellation. 
XXXX, Capital One canceled the AutoPay for the vehicle again.! But, The AutoPay for the Credit Card remained untouched & I un-disturbed. 
I verified w/ XXXX again about the cancellation of the AutoPay & its set up ; they verified that it was an external action.

Re-Established Automatic Payments for the Third time to the same financial institution. 
No Lack of Funds.

No Change of Personal Information.

No Change of Account Information. 
Capital One Issued a Repossession & sent a tow truck whose driver stated that Ur the the 5th person today who says they had their vehicle setup for AutoPay & Im Repon it. 
When I attempted to contact & resolve w/ Capital One, they told me that they could not speak w/ me due to having a cease & desist letter ; then hung up the phone. 
I contacted the Indiana Attorney General about the situation ; within 30 days I received a package from Capital One Admitting to & Listing Everything except the details of the AutoPay setup, receipt or the cancellation of Recorded Automatic Payments to the Vehicle Account. While there remains No Issue with the Automatic Payments from the Exact Same Financial Institution ( XXXX ) to the Same Financial Institution ( Capital One ) for the credit card.?! 
Capital One Stole & Sold My Truck.!! 
Causing Detriment to my Business ( XXXX XXXX XXXX XXXX ) as well as my Personal life & circumstances. 
I Thank You, in advance, for your efforts & energy towards the rectification & resolution of this situation.
Product: Credit card or prepaid card

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Delete In accordance with the fair credit reporting act XXXX  account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.
Product: Checking or savings account

My account was abruptly closed on XX/XX/XXXX. I didnt find out until I tried to access my account and I had my direct deposited check from my job sent to that closed account. I called Citibank and they told me Id have to wait until the closed account is finalized on XX/XX/XXXX and my check would arrive by mail 5-10 business days later. I called back XX/XX/XXXX and they told me it will definitely arrive between XX/XX/XXXX and XX/XX/XXXX so I wait it out and I call back and tell them I still have not received it and they sent a request to have it reissued and expedited. I spoke with 7-8 different supervisors and have gotten a different answer each time. They will not tell me whats the hold up or the estimated date I can expect to receive my money. It is XX/XX/XXXX and I still have no answers.
Product: Checking or savings account

I tried paying my mortgage with funds that have been sitting in my savings account for months. My available account balance reflected my full account balance. My mortgage company withdrew the requested funds. My savings account reflected that these funds were withdrawn. I then received a phone call from the savings account bank saying they wouldnt allow the transfer and were going to reverse it. When i asked why, they said they couldnt give me that information.
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

In my comcrica bank checking account, there were XXXX transfers from XXXX to XXXX, all of which were transferred to XXXX XXXX XXXX. The total amount was about XXXX yuan. I didn't transfer these money. My account number is XXXX, I want to get my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and equifax are disingenuous Additionally, XXXX entrepreneurs ' credit requests are three times less likely to be approved than XXXX  entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like XXXX, XXXX, and Equifax are disingenuous in their practices. Despite having a FICO score of XXXX, XXXX still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And that's what they're doing : lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.
Product: Debt collection

To whom it may concern, I have been trying to work with XXXX in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : Capital One Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}
Product: Checking or savings account

XX/XX/22 two payments of XXXX were sent to a XXXX XXXX from XXXX through my bank account. I contacted a customer service number that I thought was XXXX  they had me download an app called XXXX, and told me to send a code XXXX to the recipent and had me to it twice to supposedly verify my account, that they took the funds from and my bank hasnt refunded to funds. I filed a police report with XXXX VT police department and disputed it with my bank M & T
Product: Credit reporting or other personal consumer reports

First let me say its nice to know that at least XXXX of the XXXX CRAs XXXX still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with XXXX and Experian.They continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX XXXX XXXX XXXX Experian. Only XXXX complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by XXXX and Experian that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike XXXX a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX XXXX # XXXX Experian. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.