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

XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
XXXX when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested XXXX to remove due to incorrect/missing data and the age of line past XXXX. XXXX instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.
Product: Credit card

Tj maxx-synchrony They upgraded me to a master card from a store card. They said my store card is closed when I activate this new card. I activated the new card. They told me to destroy any previous cards on this account. I did. I used the new card. I paid it off. I used it again. I paid it off. Then all of a sudden, at the beginning of the year They were saying I had a balance on the closed card and a credit ( negative balance ) on the XXXX. I paid the balance off again on the store card to protect my credit. Then they said That they'd made a mistake, it was all XXXX account and they sent the money back. I got a check for the whole amount. 2 months go by. Then it happens AGAIN! They start calling me. I answer. They say debt collection... what!? I immediately pay AGAIN to protect my credit. Meanwhile... I make call after call... they say it was allowed to the wrong account then they say no wait XXXX account ... so they issue a credit balance refund check. they are confused... it started out at XXXX. Now ... they've DOUBLED that because I paid it AGAIN to protect my credit. Now it's showing XXXX past due with a credit on my XXXX of XXXX. So it says past due again so I pay XXXX on the app on the OLD STORE ACCT NUMBER that stops the calls. They say thanks for your payment. Today ... I am again past due and the payment was applied to the XXXX. I have all the emails. I have screen shots and bank transaction numbers... I've spent more than XXXX hours on the phone trying to pay this ... to the time of XXXX the original charge! This is WAY more than due diligence. The last person I spoke to sent me a XXXX balance letter on each credit card number. But it showed past due and will be 30 days late on XX/XX/XXXX! That will be on my credit. I have perfect payment history... so I paid it AGAIN today. 
I don't know what else to do!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This bank block access to my online banking unjustly, username XXXX and this bank without no reason blocked my account.
Product: Credit reporting or other personal consumer reports

I had helped my cousin XXXX XXXX with this property about XXXX years when he was going to sell the property he asked for my permission since it was under both of our names the problem is that he never sold it he fraudently changed the property under my name only and let it foreclosed.
Product: Debt collection

This account does not belongs to me. I have never had any account with this company.
Product: Credit card or prepaid card

Starting on XX/XX/XXXX to XX/XX/XXXX there was unauthorized transactions done by an alleged family and close family friend. As I was displace and XXXX  because the house I was receiving mail at was my grandfather 's house that passed away leaving me to have no choice but to move out. So the alleged family member told me that all mail be stopped and return to sender so I called XXXX to let them know my situation then was told that they didn't have access to my account that I needed to contact bank of America so I did and they had suspended my card and was told that there was a claim to be filed so I did but told them how can I receive my card if the address on file is not valid no more due to me not living there no more so then was told to contact XXXX for change address so within the time frame I was checking in my account I wasn't able to get access to my account because someone had access to my account and set up my online account and I wasnt able to verify myself questions were set up without knowing and having no authorization on who or what the answers were given so every time I would call to get help on my situation it was a hassle I losing hope til recently I was given a bag full of my mail which was sent to me by my brother that he had found in my grandfather 's storage that only my alleged family had access to so I finally was able to get through with bank of America and filed a fraud claim that was made on XX/XX/XXXX that was then denied on XX/XX/XXXX due to being a reopen claim that was made last year in XXXX of XXXX which was done by not me but the person to whom was commiting fraud on my account. So I tried telling bank of America explaining my situation for them keep repeating that I'm not able to file a claim for all transactions made not by me so I was told I can only file a new claim for the transactions that were not on the claim which came out be only XXXX which didn't make sense if there was more then that amount that filed which the total amount should of been more then XXXX which would be {$29000.00} that I was defrauded for
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$1100.00} Falsely listed on my credit report. Account has been resolved between the original creditor & myself.
Product: Debt collection

My name is XXXX XXXX and I, along with my old roommate XXXX XXXX, were amazing tenants at the XXXX XXXX XXXX in apartment XXXX in XXXX NC, from XX/XX/XXXX to XX/XX/XXXX. We were excellent tenants that paid our rent every month that we lived in the apartment complex. On XX/XX/XXXX I received an email stating that I owe XXXX, around {$76.00} was for the rent and the rest was due to damages to the carpet that were not visible when we left the apartment ( They claimed the " damage '' was only visible when they lifted up the carpet ). On XX/XX/XXXX I went to the XXXX nearby and got a money order for {$280.00} per XXXX XXXX XXXX ( Property Manager ) instruction. Despite paying on time and giving my money order directly to XXXX, we received letters from National Credit Systems , Inc. ( a collections agency ) stating that we still owe the {$280.00} that I already paid to XXXX XXXX XXXX XXXX XXXX  months later in XXXX. I immediately called the office and after being on hold for hours, XXXX XXXX came to the phone and asked for my money order information so he could confirm the payment. After that, he told me he would get back to me with more information. XXXX weeks later I went in person to follow up after not hearing back, and XXXX told me that the money order was in the system and I owed nothing. However, I continued to receive calls from the National Credit Systems debt collectors stating I still owe money to XXXX XXXX XXXX 

I have called XXXX XXXX multiple times to determine the state of my money order, and each time I find out the money order has still not been cashed. I returned another XXXX weeks later in person and demanded evidence in writing from XXXX that I did not owe any money to XXXX XXXX XXXX, all he could give me was an email, and according to him the accountants are the only ones able to provide me with a receipt. In hindsight, I should have gotten a receipt of payment the day I gave my money order to XXXX, but I expected him to do his job. 

It is very disappointing as a 100 % paying renter that I am now fighting with a collection agency for funds I have already paid. National Credit System , Inc is demanding {$280.00} which I have already paid. I have filed a dispute with the collections agency XXXX  but have not gotten a status update on any of these disputes. It has been over XXXX weeks since the last dispute was filed through their website. I have sent in a dispute to XXXX today, since this debt I do not owe hit my credit on XX/XX/XXXX.
Product: Debt collection

I have received a letter from XXXX XXXX XXXX with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX which purchased the debt from XXXX XXXX  credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXXXXXX  and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXXXXXX  New York state collection law is seven years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX [ XX/XX/XXXX ] I am writing to formally dispute the reporting of the charge-off account associated with Account XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and l egality of this accounts reporting. Additionally, under [ Your State ] l aw, I am requesting proper validation of this debt. 
I would like to highlight several cases that affirm my right to dispute this i nformation and request accurate reporting. In Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers ' credit reports. Furthermore, Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. 
To properly validate this account, I am requesting the following : 1. XXXX XXXX XXXX XXXX
Product: Student loan

I received a letter by mail in XX/XX/2016 that my loan qualifies for XXXX School discharge and it would be discharged. Well years later my loans were not discharged. XXXX sold my loans to Navient and Navient is pretending like they never heard of this. I have fought for years with XXXX. Now that the loans are transferred to Navient, they stated I have to start the process all over. I have 4 loans from XXXX  school that totals {$7000.00}. I just want this taken care of so I can pay my legit student loans. This has hurt my credit score and interfered with finding a home.
Product: Credit card or prepaid card

My nephew XXXX XXXX opened an account with a credit card in my name from the Bank of America. I don't know all the credit card details but the Bank of America phoned me and verified if my name was XXXX XXXX on my XXXX XXXX XXXX. He was fraudelently taking credit cards in my name. He has my fake driver 's license and took my social security card. He gave people my social security card, I don't know all the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account : XXXX XXXX, Account : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX Inquiries : credit technology, Defender security, frontier, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 16 81 section 604 A section 2 : it also states that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit, plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX  XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

XXXX sold my mortgage to Carrington Mortgage LLC in XXXX 2015. In XX/XX/XXXX, I paid XXXX {$310.00} to cover an escrow shortage. Carrington 's commumincations advised that I had a {$1600.00} shortfall. When I called to discuss this change, they advised that they are allowed by law to hold a 2 month cushion, which I understand. However, when I did an escrow analysis, I determined that they were overstating the shortfall by over {$500.00} because they were *paying* my homeowners insurance, town and school taxes one month before they are due, resulting in over {$500.00} of the shortage. I called and asked how they could pay the bills before they are even sent out, and they replied that the wanted to " make sure the homeowner was not late with a payment ''. While this sounds wonderful, it allows them to hold {$540.00} of my money in escrow in addition to the {$1100.00} cushion, which is {$540.00} that is not available to earn money for me. For example, my homeowners insurance premium is not due until XX/XX/XXXX, but the escrow statement notes that the payment is sent in XX/XX/XXXX. If Carrington does this for only XXXX mortgages, that 's XXXX XXXX in their bank account instead of the home owner 's account. XXXX recently sold XXXX mortgages to this company. If they hold just {$250.00} from each of those customers, that equates to XXXX in funds that have been collected early, and earning money for Carrington. Understanding that the law allows them to hold a 2 month cushion - {$1100.00} ( in my case ) x XXXX = XXXX in Carrington 's account instead of the home owner 's bank. 
I have owned my home for 16 years and never had any issue with XXXX or XXXX. I am astounded and appalled to know that this company is allowed to practice in a way that causes the consumer to remit funds that are not due for up to 60 days. 
I am in the process of refinancing, but after speaking with Carrington 's customer servcie department, have zero confidence that the funds in my escrow account will be returned to me in a timely manner. Reading the consumer affairs reports about Carrington lowers my confidence level even further. By the time the refinance is complete, Carrington will have over {$2500.00} of my money held hostage in escrow. I would like to know if there are guidelines regarding the process to return money in the event of a refinance, so that I have some ammunition when speaking with the Carrington customer service department.
Product: Credit card or prepaid card

On XX/XX/2019, I applied for the XXXX XXXX card from Chase Bank. A letter dated XX/XX/XXXX, arrived at my address saying I needed to send proof of current physical address. The following week, I went to a chase branch with a copy of my utility bill which was listed as an acceptable document. I told an employee my situation and he said he would take care of it and would fax the proof to the number listed. Today, XX/XX/2019, I called the card status line and was told my application was under review and I would receive a decision in writing in 7-10 business days. I had received the same response more than 2 weeks ago so I called a customer service number. I was then told that my application had been declined. Since I had not received this in writing, I asked for the reason. The representative said that they did not receive proof of physical address. In all, I was declined the card without receiving a written notification like the status line had said. I also had my personal information mishandled and sent to who knows where since it was not received by Chase. My credit will now reflect a hard inquiry which will make me look bad when I try to apply for another card. Also, the promotion I was trying to receive has since expired and I will miss out due to mishandling on Chases part.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX This is not my acoount please remove fraudulent/ unauthorized closed account from my report or provide proof in writing within 30 days.
Product: Credit reporting or other personal consumer reports

Equifax sells multifactor authentication ( XXXX ) services but it does not offer ability to set up XXXX to users of its myequifax website for free. This is terrible - Anyone who can authenticate using just my username and password will have access to my personal identification information.
Product: Debt collection

On XXXX Equifax responded to complaint # XXXX and advised that the disputed item XXXX XXXX XXXX is no longer being reported on my consumer report. Can you please advise the date that the account was removed from my consumer report?
Product: Student loan

My son in law got a student loan some years ago without my approval but using me as a cosigner. My son in law is XXXX XXXX XXXX who lives now in the XXXX suburbs. The loan was taken out at least six years ago possibly longer I'm not sure.

The company involved is Navient. They call here three times a day and when my daughter tries to talk to them they won't allow her to speak to them. Even though she is still XXXX XXXX XXXX  wife and my daughter. She has told them that I have had a XXXX and I can no longer speak on the telephone. Besides the XXXX interfering with my XXXX XXXX XXXX is very XXXX and XXXX them would be difficult. She has sent in the power of attorney that I gave her but they still refuse to speak to her. But they still keep calling.

How can I settle anything or explain my side of the issue if they won't speak to me. Now my son in law is working full time at a very good job where my daughter and I live on social security. Why aren't they going after him?

I get no help when I mail them and with them refusing to speak to my daughter their calls are noting more than harassment. Can you please help.
Product: Checking or savings account

I was pressured into opening a new bank account at wells fargo, even though I already have 2 other ones. I opened a business account and deposited {$300.00} into the account. The teller told me that the account would have no fees, so I planned to just keep the {$300.00} in there until I actually started running the business.

Problem 1 : I asked numerous times to be able to access the account online through my online banking, nobody was able to help, so I was never able to access or view the account.

Problem 2 : I started receiving e-mails that the account was overdrawn. I've never once used the account to make a withdrawal or used any money in that account. Not the balance according to the e-mail is - {$14.00} when it was + {$300.00}.

Wells Fargo willfully lied to me and stole all the money out of my account while not allowing me to access the account. I'm not sure how this Bank is still in Business after all the horrible things they keep doing to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTA! I do not believe I am late on the dates these accounts reports. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX