23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a XXXX XXXX dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ XXXX ) and XXXX credit card ( $ XXXX ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.
Product: Credit card or prepaid card

Purchased a transact XXXX XXXX XXXX but NetSpend will not allow me an account and I'm having difficulties getting a refund on money I loaded onto the card they're supposed to mail a refund but I yet to receive it and it's going on four weeks.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on the status of my request to correct a late open account on my credit report. 

As per our previous correspondence, I submitted a dispute regarding the late open account listed on my credit report. It has come to my attention that this issue has not yet been resolved, and the late open account continues to negatively impact my credit standing. 

I kindly request an update on the progress of my dispute and urge you to expedite the resolution process. The presence of inaccurate information on my credit report has significant implications for my financial well-being, and I am eager to see this matter resolved promptly. 

Please confirm receipt of this message and provide me with an estimated timeline for when I can expect the correction to be made. Additionally, if any further information or documentation is required from my end to facilitate the resolution process, please do not hesitate to let me know. With this, I am asking for your assistance to correct this account in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Debt appeared on my credit report that is not mine. It is listed as being owed by XXXX XXXX and collected by Ad Astra.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Equifax, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .________________ Account/ # - XXXX  XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ___________ Account/ # - XXXX XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B______________ Account/ # - XXXX ( Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ Account/ # - XXXX  XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ___________ Account/ # - XXXX XXXX XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX  XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ______________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed. 

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 


XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not investigating my dispute with XXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I've had so many issues with logging into both XXXX and Equifax. I want to log into both of these accounts in order to secure a credit report freeze as well as to simply access my accounts. Every time I try to log in I go through the same cycle of retrieving my account via reseting password which inevitably ends up with the " temporary error '' page. This is ridiculous. I haven't been able to access my accounts for years. I reached out to both credit unions via phones and were not able to even reach an agent.
Product: Debt collection

I went to go look at my report & I see this person calling me a debtor ( XXXX XXXX XXXX ) I dont know this person, & I never did business with them. I dont owe them anything that theyre tryna collect. Its causing me damages & hardship XXXX & this person dont have any contracts & I didnt give written consent for them to furnish my report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX/XXXX loans starting with XXXX reporting inaccurately to Experian, XXXX  and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Product: Mortgage

I received 2 consecutive inaccurate mortgage statements from CUSO Home Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when my regular amount due is {$1800.00}. Despite these statements, I had my normal monthly amount automatically withdrawn from my checking account ( {$1900.00} which is slightly extra each month ). Upon receiving the second inaccurate statement, I contacted CUSO on XXXX  to report the issue. It was during this phone call that I was told there was a " glitch in the system '' and the error likely had to do with an ARM change. I did not recall that I had this type of mortgage and had a loan approval letter kept with my statements stating the approval was for a 30 year fixed loan at 4.5 %. I sent a copy of the letter via email and CUSO subsequently replied that I indeed had a 10 year/1 arm variable rate. They sent my their copy of the signed documents from closing indicating the 10 year/1 arm terms and asked if I had a copy. What I found in my closing paperwork was an unsigned copy of the 10 year/1 arm. I am not disputing that my signature is on the their documents, I am just explaining why I thought I had a fixed rate. In looking through my unsigned document of the terms it clearly states that I would be notified in writing at least 45 days prior to the ARM change. Not only wasn't I notified, I was the one having to initiate communication regarding inaccurate statements. The communication since has revolved around me paying the new increased mortgage amount with my previous payment being held in suspense. The explanation I was given was that they do not apply partial payments.They sent me an updated statement dated XXXX with the amount due as {$4100.00} ( {$2000.00} for XXXX and {$2000.00} due for XXXX with {$1800.00} being held in suspense ). I have sent a check to cover the difference but both XXXX and XXXX were already sent on the XXXX of each month with my typical payment ). I expressed my frustration to the company and my concern regarding the potential for status of the account to adversely affect my credit ( email sent XXXX XXXX Rather than answering my direct question regarding the status of my account and whether or not this would affect my credit, I got an email response on XXXX simply stating the vice president " is going to reach out to me ''. I have not received any calls or communication since this time.
Product: Checking or savings account

I deposited two checks in the amount of {$4900.00} and {$1000.00}. Initially I was told it would take XXXX to 5 days to clear. The funds were available the very next day. I used {$1000.00} of it to make a payment and verified with the customer service agent that the funds were available. A couple of hours later the bank put a hold on the funds and told me XXXX to 5 days. I went into the branch near my house in XXXX, Ohio on XXXX XXXX. They called the XXXX XXXX branch in XXXX, Ohio and were told the funds would be available in 5 days. After 5 days the funds were not still not available. I called customer service who in turn called the XXXX XXXX branch. The XXXX extended the hold to 10 days. I'm sorry but it does not take 10 days to verify a check from the United States. They can easily verify the account and the funds. At this point I regard this as some kind of discrimination. I will be closing my pnc account for good due to this decision by the XXXX XXXX bank manager. I've been banking with them since they took over National city and I am very dissatisfied with them. The fact you now have to go over heels half acre to cash a check is utterly disgusting. They wouldn't stop an unverified XXXX XXXX  transaction from a skimmer scam but want to monkey wrench my valid deposits
Product: Credit card

Hello! I had made some financial mistakes about 5-6 months ago and just this past month I had to borrow money from a family member to pay off all my debt. I dont understand why XXXX was able to waive my late fee after paying off all my debt on XX/XX/XXXX with everything on my bill specified and capital one is unable to. I was charged residual interest on XX/XX/XXXX after I paid off everything. I believe capital one is trying to steal {$75.00} dollars from me! I am currently unemployed and {$75.00} is a lot for me. Ive tried calling capital one multiple times and they wont budge. They keep giving me terms and conditions which I dont understand. Please help me resolve this quickly!
Product: Student loan

Mohela transitioned me to their new platform on XX/XX/2024. I received notification via the mail that the new platform was available. I was able to log into the new platform and confirm. 
On XX/XX/2024 I made a conglomerate payment of {$650.00} that was divided between my subsidized and my unsubsidized student loans through the new student portal. 
On XX/XX/2024 the funds from this payment of {$650.00} were drawn from my bank account. 
The payment had not posted by XXXX XX/XX/2024, so I called and was instructed to continue waiting. I called twice a week until XXXX XX/XX/2024 where an 'investigation ' was opened to 'find ' the funds that were withdrawn from my account. My situation was escalated to a 'supervisor '. I called two to three times a week in hopes of an update, as the payment still had not posted to my account. Each call I was met with different waiting times, each longer than the last. 
On XX/XX/2024 another 'investigation ' was opened to 'search ' for the funds. I was once again escalated to a supervisor, who did not help. 
I have called time and time again to absolutely no avail and to no update. The funds are still not posted to my account, thus resulting in the accrual of undue interest. 
At the beginning of XXXX, I logged into Mohela on their new platform and submitted my bank statements. When I called to ensure that my statements were received, I was informed that the customer service representatives could not access them. So I submitted them again, while on the phone, to no avail. I was told to continue waiting, up to 68 BUSINESS days for a resolution. This is unfathomable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. 

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Checking or savings account

I deposited a check on XX/XX/XXXX and after the 3 to 5 day hold, Citibanks fraud department had put a block on my whole account, but the issue that I had with that was that I ended up having to call them to find out that there was even an issue with the check that was deposited. so now with my whole account frozen I have to borrow and inconvenience others to get needs and things done all weekend. 
the following monday I literally spent at least XXXX hours trying to get someone to help resolve the issue, but everyone seemly has the I cant do anything attitude. it took hours to get anyone on a phone and almost as long to attempt a solution. so after driving all the way to a branch to verify my address and the check deposited, and then waiting for hours again to get someone on a phone again, as instructed, just to be told no still. apparently the previous agent neglected to do a step or two on their end and now I have to be inconvenienced for yet another day. now I have people calling and payments bouncing all at a time in which I am trying to repair my credit, how do you think thats going to look when applying for any loan, let alone a home loan I suggested they could have simply extended the hold on the check deposited until they received what information was needed to proceed with the processing of the check but they instilled to freeze the whole account, thus putting myself in what looks like another financial burden. all this time not one supervisor nor manager was able to be reached to help with anything they seemingly acted as if they didnt care or as if it wasnt even a bother for them to upset a clients plans or financial situation I almost forgot to mention that the check on deposit is drawn on their bank by another Citibank client, so they have all the information they required
Product: Mortgage

My name is XXXX XXXX and I own and operate the XXXX XXXX XXXX office in XXXX, Texas XXXX. 
Our office is currently representing XXXX XXXX XXXX and his estranged wife XXXX XXXX. XXXX XXXX XXXX owns the property located at XXXX XXXX XXXX XXXX, Texas XXXX. We listed this property for sale and have an offer on the table. 
We are not receiving the proper attention needed from the mortgage company M & T Bank and their servicing agent XXXX XXXX XXXX. 

It took XXXX XXXX XXXX over 3 weeks just to complete a pay off statement and because of this delay {$410.00} in interest was added to the delinquent amount owed by XXXX XXXX. XXXX XXXX has submitted a Short Sale Packet to XXXX XXXX XXXX however they have not acknowledged receipt of the packet. 

I am requesting assistance from the Consumer Financial Protection Bureau to contact M & T Bank and XXXX XXXX XXXX to cooperate with our office and XXXX XXXX XXXX to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I pay off my car loan of XXXX $ and the credit score have dropped XXXX points.
Product: Debt collection

I can not believe that I am dealing with this again. Today I received a push notification that my credit file had a change. I found a collection account in the amount of {$170.00}. I knew it sounded familiar. Soon I found out that the customer of the collection agency is XXXX XXXX. I used to have internet and cable with XXXX. When I switched to a company who actually provides the services that I pay for, my XXXX account was paid in full. In XXXX of 2021 I had the same thing happen to me. I was never notified by XXXX, nor by XXXX XXXX XXXX of a debt, yet I received a collection account on my credit files. I repeatedly attempted to deal with them to no avail. I then filed a complaint with your agency and you made them remove the collection account from my file. Now the same false debt from XXXX is on my files as a collection account with a different collection agency- Williams and Fudge I. How does this debt continue to haunt me when I owe XXXX nothing? Will you please make Williams and Fudge I remove the false collection account from my credit files? Will you please make XXXX XXXX stop harassing me? I am including my complaint and resolution from earlier this year. I thank you for defending me and I appreciate the service you have already provided to me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

I have written to Capital One three times ( on two of my accounts # XXXX and # XXXX ) requesting proof that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.