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

I sent a complaint requesting that you reinvestigate the disputed Account from my credit report as well as Remove or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX Balance : {$10000.00} and XXXX XXXX Balance : {$83.00} or XXXX XXXX Balance : {$83.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reporting on my credit file, that is unacceptable because I'm getting denials based on their inaccurate reporting.
Product: Student loan

About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.
Product: Bank account or service

I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped!
Product: Credit reporting

Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
Product: Credit reporting or other personal consumer reports

Recently I checked my Credit Report, I noticed I've been a victim of identity theft and found numerous fraudulent accounts and fraudulent inquiries I have NO knowledge of. Here are the fraudulent Accounts and inquiries that I have found : Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent accounts and fraudulent inquries from my credit report.I attached the identity theft report as well.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently became aware that 2 accounts from LVNV FUNDING LLC are showing up on my credit report. This is inaccurate and I believe you may have confused with another person. I would like this removed. I never received a letter stating the five-day rule to dispute these debts. How they report something to a credit bureau without contacting me or advising about rights?
Product: Credit reporting or other personal consumer reports

I saw that XXXX  XXXX XXXXt XXXX  was reporting this account to my credit report, I call them and told them that it had to be a fraudulent account. I forwarded them all the required documents several times and talked with multiple people. Each one had a different answer. They informed me the the issue was going to be handled, but no response and nothing was done. I have run out of reps to call to help me. I am asking that this account gets removed from my credit report XXXX XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACH OUT TO EXPERIAN MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this morning and have no clue how they got there. I checked my credit report as usual, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors persisted. Because of this, I'm asking that the documents I've provided be thoroughly reviewed so that I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by Experian and XXXX. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED
Product: Mortgage

Franklin American Home Loans did provide me with a loan ownership transfer notice nor did the new servicer, Citizens One Home Loans. I found out about this today when I went to make my mortgage payment and was unable to access my account. I then wait 1 hour and 23 minutes on hold while calling Citizens to obtain my new account information. Extremely poor service from both lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Ed have reported that I have been late on five student loans from them. ( FED LOAN SERV-Closed 12 late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) Fed Loan Service in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.
Product: Checking or savings account

Money missing from my bank account that ended up in overdrafts, account was closed & leaving me in debt due to unknown charges not being resolved, I filed a police report open a case with identitytheft.gov and went physically to the bank three times. This put my XXXX XXXXXXXX credit card cancelled {$120.00} owed my car insurance cancelled and still, not able 2 reinstate it, & my phone service turned off leaving it hard to communicate which happened while the accounts were still open, I filed a police report and was trying to resolve the issue when after almost 2 months the bank manager XXXX, I was working with quit and left, leaving me starting over because they had nothing on the matter and resulting in closure of my account I have proof of my financial loses and emails from me trying to resolve it myself. With the bank manager who insisted on me only speaking with her. This left leaving me in debt XXXX overdraft fee from them, XXXX for XXXX XXXXXXXX, still missing over XXXX unaccounted for and this dosent include the fees included on these charges or the affect it has had on my personal things financially affected by TD bank they reversed my partial reimbursement and never reimbursed the full amount the manager had stated there's no reason it should not be fully reembursed is no longer working for TD bank
Product: Mortgage

I had a schedule closing on my property on XXXX XXXX, 2017, but the buyer wished to close on the XXXX, 2017 instead. Even though this was a day neither me or my realtor could attend closing. I left the state on XXXX XXXX, and was able to sign the closing then. I had a closing date of XXXX XXXX because I was buying another property in Florida, and needed my loan to be closed in the beginning of XXXX, but being promised that the property would be closed on XXXX XXXX, I went ahead and accepted the new closing date. On closing date, XXXX XXXX, the buyer showed up and didnt have all his documents ready, and asked to get a few more days to be able to collect all these. The buyer requested XXXX XXXX, 2017, but it actually didnt close to XXXX XXXX, 2017. And for that to happened I had to pay out of pocket to overnight a document to the closing agent, and this was {$54.00}, I was promised by the buyers loan consultant, XXXX XXXX XXXX NMLS : XXXX phone number XXXX, that I would get reimbursed for this cost. I accepted these conditions because I was also promised that my per diem from the original closing date was going to be paid for during the extra time, plus a {$100.00} gift card. These promises were put into an addendum for my property closing contract. It is now XXXX XXXX, almost three months since closing date, and I still havent received anything from the buyers lending office ( American Liberty Mortgage, XXXX XXXX XXXX XXXX XXXX, CO XXXX ) .Me and my realtor have contacted the office about this and tried to figure out what is going on. They have told both of us that they are taking care of the matter, but they still have not done anything about it. I contacted the owner ( XXXX XXXX phone number XXXX ) on XXXX XXXX for the company and he said that he talked to XXXX XXXX and told him to fix the matter that same day. Nothing was accomplished so we contacted the owner again the day after and told him about our dissatisfaction in his company and employee. We have n't heard anything back since then. They have treated us really unprofessional, and XXXX XXXX has been really rude in emails to my realtor. Something that should have been handled on the closing date of the property, has now been taking almost three months and still have n't been handled. This is outrageous for a loan company, and very bad customer service.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

In XXXX I lived in apartment building in XXXX due to extreme XXXX XXXXXXXX. I reach out to the landlord and let them know for my safety I had to move immediately. As the law required a tentant I proved an verify XXXX  XXXX by providing them with a letter from a XXXX  XXXX worker an my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they stated i had to pay the remaining of the lease I refuse paid my last month an left. they became upset an reported un paid fee of XXXX dollars to XXXX system who has continued to ignore my pleas an legal paper work an have continued to refresh the report even though it has passed the XXXX term as recent reported i have reach out to them with no prevail. I have also disputed it several times to all three bureau equifax.experian an transunion.transworld system has open this report as recent as XXXX an claim that the report has been open in XXXX XXXX XXXX an XXXX months i have lived at my address for XXXX please help as a mother of XXXX boys who is in the process of buying a home i need help to stop this on going abuse of power to further my kids an i future.
Product: Credit reporting or other personal consumer reports

RANDOLPH BROOK FED CR, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX  This account and debt should have been ceased as of XXXX Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : RANDOLPH BROOK FED XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Hello I am having an issue with a series of multiple medical collections being reported against my consumer credit files by a company that refuses to process my disputes. They have yet to verify anything, even though I have asked them for the better part of 1 year. 

These accounts are reflected against XXXX, XXXX and XXXX and are stamped as " meets FCRA requirements '' but none do as none have been documented to me. I contend that they are not mine and the company reporting them has failed to investigate the matter as directed by myself in compliance with my rights under FDCPA/FCRA. 

I have been given the run around for a long time and am asking for mediation by this federal agency in addressing this matter.
Product: Debt collection

Every month I dispute account with all 3 credit bureaus letting them know that I never had an account with Midland Funding, Midland Credit Management, I also contact MCM every month to dispute and ask for all documentation including a written signature that I ever did business with them and they never will give me anything. 
Help me remove from credit reports as MCM changes the account number and company name to keep putting this on my reports. 

Last date of letter contacting them was XX/XX/2020 account number XXXX, they sent letter back with no documents again for the 5th time and no written signatures. 
Amount of {$6400.00}
Product: Checking or savings account

I successfully logged into my online account after using all kinds of fancy security checks. Then I engage the chat subsystem and selected the option " close account '' I then chatted with a rep advising XXXX citing i wanted to close my account. 

I advised her that I was told by the last chat person on last week that it was easy and could do it via online and a check for the remaining balance would be mailed to me. 

But today, the chat person at the " close account '' dept refused and said I had to speak with a person via telephone. I 100 % dont believe this is necessary. Why offer to chat with a person to " close account '' if accounts are not going to be closed upon request? 

The bank has all the information in their system to proceed with my request. All bill payments from the account sucessfully posted on XX/XX/2022. No more withdrawals will be made as of XX/XX/2022 This is just another poor customer service reason why I no longer want to do banking with this bank. 

I want my account closed without spending a lifetime on the phone and discussing anything with people as well.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX AUTO - XXXX XXXX - XXXX XXXX - XXXX XXXX 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: Vehicle loan or lease

On XX/XX/2018, my car was repossed. I was not aware of any outstanding balances, as my finances were being handled by my grandmother while I was XXXX a service year with XXXX during XXXX. I immediately called the police when I noticed my car missing and they informed me to contact my lender. All communications were sent to my XXXX XXXX address not my XXXX  address. It took me about 2 months to review documentations and communicate with Nissan regarding the repossession and my belonging which were never recovered. My vehicle had money and other items of value such as clothing, electronics, shoes, and sentimental personal effects that are irreplaceable. I seeking to remedy this grievance by understanding if this was justified and to what extent since communication was not established>