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

On XX/XX/XXXX, I enrolled into Victoria Secret ( Comenity Bank ( Now Beard Financial ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX. 

In XX/XX/XXXX, I notice that XXXX reported my Victoria Secret account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with Victoria Secret that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted XXXX, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open. 

As of today XX/XX/XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any Victoria Secret or XXXX XXXX XXXX XXXX store with no issues. I contacted XXXX today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and XXXX  in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the Transunion and XXXX  and that I needed to send an authorization letter to Transunion and XXXX. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted Transunion and XXXX and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # : XXXX Was removed from XXXX from dispute with CFPB complaint but remains on other reports from XXXX and TransUnion. 

On record until date inaccurate, TransUnion, XXXX XXXX has no payment data on record TransUnion has incomplete payment history. 

Have disputed multiple times with all 3 credit bureaus and only was deleted from XXXX report. XXXX and TransUnion failed to properly investigate fictitiously stating information was verified without an investigation.
Product: Credit reporting or other personal consumer reports

A collection account from XXXX XXXX XXXX reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXXXXXX XXXX was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have errors and inaccurate information on my Experian Consumer Credit Report. I have disputed these accounts as being inaccurate, and Experian had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
Product: Vehicle loan or lease

US Bank had no difficulty transferring TWO payments from my checking account via instant electronic transfer, but when they finally acknowledged they had inappropriately transferred twice, only agreed to send a CHECK refund of the duplicate withdrawal via XXXX after ten days + XXXX time, rather than use their resources to return the extra payment at least as quickly they extracted it from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX/TD Bank in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX/TD Bank on time. I normally do not mail payments, but because XXXX/TD Bank was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory.

I spoke to XXXX/TD Bank about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Product: Credit card

A synchrony bank is trying to say I owe money on my Amazon account. I have called Amazon and their cards are with XXXX not synchrony bank. This phone number XXXX keeps robo calling me and it says it's synchrony bank calling about my Amazon account. I have also received an email today stating I have an overdue account balance. Amazon has assured me of my positive balance on my card. This phone number came up as fraud and robo calls when I XXXX it.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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: Debt collection

I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! 

There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes, regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Citi -Sears XXXX , will not issue my refund to my credit card. The item was returned to Sender-Merchant on XX/XX/2022 who is XXXX. XXXX issued the refund which is confirmed by their " Email Confirmation '' but Citi Bank is keeping my refund which is illegal and will not give the credit back to me. I provided the USPS Tracking Number to them which Citi Bank -Sears can see the XXXX item was returned back on XX/XX/2022. 

On XX/XX/2022 Statement attached, according to my Citi Sears Statement, this XXXX item is back on my statement twice as {$130.00} as recharge when the item had returned and refunded by the Merchant months ago. This is not right, plus I am double charged for a item I don't have and was refunded by the Merchant. 

Then on XX/XX/2022, Sears sent me a letter ( attached ) stating I have to unfairly pay for the XXXX Item that was returned to the Merchant UNOPENED since XX/XX/2022. 

This is not right and not justice. I feel like I am being SCAMMED by Citi Bank XXXX to keep my refund and to double charge me with interest for a item I properly returned months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license, SSN card and statements for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Ten ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Mortgage

This is a follow up on earlier compliant " XXXX ''. 

Response provided by Newrez for compliant " XXXX '' is incorrect and false. Payoff Quote as of XX/XX/year> : {$520000.00} Included adjustment of {$10000.00} ( This amount is not an escrow balance, it's temporary buydown fund balance ). 
Attaching XXXX statement, buydown agreement and payoff quote documents. 

I contacted Newrez multiple times and informed to customer agent that it's the buydown fund balance applied to XX/XX/year> payoff quote and not escrow balance. Below is the XXXX statement from Newrez, it clearly has Assistance balance {$12000.00} ( which is a temporary buydown fund paid during closing ) with monthly subsidy of {$680.00}. Separate escrow fund as of XXXX is {$3600.00} ( with monthly {$1200.00} towards escrow ) - all as of XXXX. 
Now till XXXX, total escrow balance is {$7300.00} ( pending to be paid which is my complaint ). Instead of applying buydown fund towards principal while closing, Newrez wrongly ( as per customer service agent ) applied escrow balance and claiming it as it's already applied and no balance fund. I explained multiple times to customer service Newrez and spent enormous hours over call, agents agreed and sent to respective department for review only for them to come back again after a week and say same story that " No fund available '' like response given to my CFPB complaint. I'm shocked and out of words how a company who deal with financial business repeatedly ignoring critical financial details and responding to customer with lack of oversight and review of all details. I sincerely request the concerned department to contact me ASAP to sort this out, as every time i call some other department answers and send the review only for them to come back with same answer. 
Account information : OutstandingPrincipal {$530000.00} InterestRate 7.1250 % PrepaymentPenalty None PropertyAddress : XXXX XXXX ContractualDueDate : XXXX CurrentEscrowBalance {$3600.00} DeferredPrincipal {$0.00} DeferredInterest {$0.00} AssistanceBalance {$12000.00} ReserveBalance {$0.00} MaturityDate XXXX/XXXX/XXXX  ExplanationofAmountDue Principal {$420.00} Interest {$3100.00} Escrow ( TaxesandInsurance ) {$1200.00} XXXX {$680.00} RegularMonthlyPayment {$4100.00} TotalFeesandCharges {$0.00} OverduePayment {$0.00} TotalAmountDue {$4100.00}
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 reporting or other personal consumer reports

Over 2 months fighting against to XXXX or XXXX credit account. 
By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload 3 credit Bureaus report and there is showing 3 different names and account numbers. By the Law, account must report at least XXXX digits or numbers in credit report which are missing, In Equifax and XXXX is showing me issuer name is XXXX and XXXX showing XXXX credit, I contacted XXXX credit and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXX credit, now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in XXXX. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY XXXX CREDIT REPORTS ....
Product: Debt collection

I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off accounts, which I believe are incorrect and misleading. 

According to the Fair Credit Reporting Act ( FCRA ), XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : [ Provide detailed information for each disputed item including the account number, the name of the creditor as it appears on your report, and the reason for your dispute. ] Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience. 

I would also like to highlight that under Section XXXX ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified. 

In addition, according to Section XXXX ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section XXXX of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA
Product: Debt collection

I have spent hours attempting to resolve the issue. I have even gone to a XXXX  office. On the phone all people that I have spoken to have been out of the country. I had given XXXX  a credit card number to pay for the service. When the phone was never connected successfully, I contacted my bank and it took XXXX XXXX 3 months to obtain my money back. 
Now I have a letter from Credit Collection Services stating that I owe {XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN 2018 THEIR WAS OVER XXXX XXXX DOLLERS AND XXXX XXXX DOLLERS OF UNAUTHERIZED CHARGES MADE ON MY TWO XXXX XXXX XXXX CARDS MADE POLICE REPORT AND FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my knowledge that my credit report has inaccuracies. Several inquiries on my current credit report are inaccurate, and need to be removed asap! 

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: Student loan

My mom applied for student loans from Sallie Mae when I started college in XX/XX/XXXX. I had no idea how to address paying for college or what applying for a loan entailed, so she took care of that. I just graduated in XX/XX/XXXX and my loans are about to be in repayment. I was just handed my password to the account and saw that interest has been acquiring the whole time on twelve different student loans. I have called Sallie Mae on multiple occasions asking if I can consolidate my 12 student  loans or if they had any income driven repayment programs. They repeatedly informed me that neither were possible and that I should try reaching out to my cosigner. They keep encouraging forbearance, but that is only going to be a short-term fix. They want me to pay over {$1500.00} a month and I only make XXXX a year. The interest rates on my TWELVE different loans range from 9 % to 11 %. They are offering no realistic options and I ca n't afford any of the options that they are giving me. 
They are the most unhelpful company I have ever encountered and I am going through a financial hardship because of them and their lack of help.
Product: Student loan

XX/XX/19 recieved two documented calls from FH Cann within a 3 minute period. Once i returned the call and was notified of missing document needed i verified my address fo rit to be resent. The rep than asked about fax i gave her the number letting her know im not there and to not send anything with amounts on it. less than one minute later this rep sent me paperwork with every loan on it and im XXXX XXXX because i told her it was a public fax and to not send dollar amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by ALLY FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and yet you reinserted them without notifying me 5 business days after and certifying that these items were validated properly. I demand you to delete these items from my credit file or I will seek litigation.
Product: Credit reporting or other personal consumer reports

Starting XX/XX/XXXX XXXX XXXX has been reporting that I am delinquent on my car loan. When I call XXXX they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and XXXX says it is no longer their responsibility because they sent a letter
Product: Money transfer, virtual currency, or money service

On XX/XX/21, the same day my grandmother died, there were two {$140.00}, one {$500.00}, and two {$80.00} ATM withdrawals taken out of my account. When this happened I received a phone call from a person pretending to be from Wells Fargo. The man told me my account was hacked, and wanted to sign me up for a new secure service through Wells Fargo, where at that exact time I gave him my information, the money was taken out of my account. Most of this money was apart of a federal grant from XXXX for my education. These withdrawals happened at XXXX XXXX XXXX  XXXX in XXXX XXXX CA at an ATM with the ID XXXX when I was at my home in Northern, CA, nearly 10 hours north. These withdrawals were fraudulent and I was scammed. I am a struggling XXXX  XXXX  and I expressed all of this to Wells Fargo, where I filed a claim about these fraudulent charges. At the same time I also filed a police report with the XXXX County Sheriffs department. Wells Fargo denied my claim, even though the sheriff department classified the case as fraudulent, because I authorized the charges on my phone. I did not know what was happening when I received the scam phone call, my grandmother died on that day, I have the death certificate, and I did not understand what I was authorizing. I also received {$410.00} in overdraft charges, which I had to pay, even though I did not make the transactions that caused the overdraft fee. Wells Fargo told me that I originally would not have to pay those, but in the end I did. I have been completely scammed out off nearly {$1300.00}, and that is a lot of money for a broke XXXX  XXXX.