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

Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/19. Within a week Trans Union and XXXX came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/19. XXXX processed the request and removed the account two days later. Trans Union and XXXX did not. I spoke to representatives of both companies on XX/XX/19 who told me that they never received the update from the collection agency and to file another dispute. I did so and again XXXX refused to update my account. I spoke to an XXXX representative on XX/XX/2019 who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/19 who confirmed that they did indeed send the update to XXXX  and Trans Union and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I previously opened a compliant on XX/XX/23 which Experian, XXXX, and XXXX did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # 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 may make any of the following items of information Any 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to XXXX in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to First Federal Credit Control and XXXX  XXXX XXXX and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, XXXX refuses to even complete a dispute and sent me one letter back!
Product: Debt collection

I have had 2 accounts that have been reported to my credit report since approximately XX/XX/XXXX by portfolio recovery associates. I had never received any communication from them what so ever until I had applied for credit and got declined stating that I had a derogatory item listed on my credit report. When I pulled my credit report I had not one but 2 accounts listed from them showing an open date of XX/XX/XXXX but a first  reported date of XX/XX/XXXX I immediately disputed both items in which they both came back verified. I had disputed them again with the same outcome. 

Further review of my credit reports is showing that the terms of these 2 accounts is listed as 1month terms. According to the following from the FDCPA : FDCPA 807 ( 2 ) ( a ) : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt I do NOT have any terms with this company on either one of these accounts.

This is one example of a violation that Portfolio is reporting on both of these accounts and with all 3 credit reporting agencys.

Another one is regarding Portfolio NOT reporting the date of first delinquency. Citing the FCRA 623 ( a ) ( 5 ) : Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Clearly we are way past the required 90 days as this account has been reported to my credit report since approximately XX/XX/XXXX. As of now, both of these accounts do not have the date of first delinquency on my credit reports.
Product: Credit reporting or other personal consumer reports

An account from XXXX is still on my credit report and all 3 bureaus. It appears closed on XXXX and paid in XXXX and Equifax which is inaccurate. This appears as XXXX card.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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/year>
Product: Credit reporting or other personal consumer reports

While I was sent on a work assignment stationed in New York in XXXX my personal information was compromised and used to apply for and open multiple lines of credit using my identity without my knowledge or consent. I have reason to believe it may have been my XXXX XXXX but have no physical proof. However I have reported this to the XXXX police department and it is under further investigation for identity theft. The theif used my identity to open retailers XXXX, XXXX XXXX, multiple XXXX  accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, Equifax, and XXXX about inaccurate balance for XXXX XXXX XXXX. The balance is showing up {$360.00} and {$360.00}.
Product: Debt or credit management

A debt collector I.C Systems put a mark on my credit report. This is the 3rd collector that XXXX has used over the past 3 years. Each time, I have proven I don't owe this money based on my communications with XXXX  around the date I cancelled the service. I have also shown a credit card statement that shows that XXXX previously agreed I didn't owe anything and credited my account. I can't understand how a debt collector has the right to do this. Also, how can XXXX just pass this from company to company. I haven't received any documentation from IC Systems - I was alerted by my credit monitoring that I have a " major '' derogatory mark over this {$130.00} bill that I do not owe. 

Do I have any rights here?
Product: Debt collection

I have tried several attempts to have them remove the debt from my report. I have sent letters and now I have filed a complaint as well. Please verify or remove from my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I saw unauthorized inquiries that shouldn't be there, and Im baffled as to why. These discrepancies caught me off guard during my regular check. Refreshing my browser didnt change anything, proving it wasn't a glitch. I urge you to carefully inspect the documents Ive sent to address this issue promptly and alleviate my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported medical debt on my credit report in violation of its settlement agreement with the NY Attorney General, executed on XX/XX/XXXX, wherein its Experian 's XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agreed that such debt would not be reported " when the date of the first delinquency is less than one hundred and eighty ( 180 ) days prior to the date that the account is reported to the CRAs. '' XXXX  XXXX XXXX has reported Account number XXXX as of XX/XX/XXXX, which services were allegedly preformed by a dentist less than six months prior.
Product: Payday loan, title loan, or personal loan

I am trying to buy a house and its defamation to my character and livelihood.
Product: Debt collection

A collection agency is claiming to be a law firm with a unpaid lawsuit for an eviction that never happened. There is no lawsuit either. The property management company that I rented from that originally hired them did n't send the move out statement in the time allowed by law and therefore forfeited any claim against me and refunded my deposit. Kimble Trey al has no legal debt owing by me to be collecting yet they are reporting a XXXX. Debt to the credit agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in light of the recent CFPB lawsuit Highlighting significant issues with the platform. 
Despite using Zelle numerous times and reporting discrepancies, my financial institution And Zelle failed to investigate my claims adequately, they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible, The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam.. the lack of accountability and transparency is unacceptable and raises serious concerns about customer safety..
Product: Payday loan, title loan, or personal loan

I have disputed this invalid information with the three major credit bureaus. I disputed the unverified information and XXXX  and XXXX deleted the information. However, XXXX  is stating that the issue is valid, after a second attempt to resolve this matter in XXXX of 2019. This information is affecting my credit report and score. I even sent proof of the investigation from XXXX   and XXXX to XXXX.
Product: Credit card or prepaid card

CITI-M/C Double Rewards Account opened : XX/XX/XXXX . We never had a purchase of {$3.00}, & they never showed it as an unpaid balance forward. Since we pay off all purchases listed each month, this had to be their math error or ours. SEE ATTACHED : Our  XX/XX/XXXX summary history review letter. & Their  XX/XX/XXXX  response letter plus copies past 3 moths of statements.
We have spent countless hours & effort through their secure message site & on the phone trying to clarify when, where & how this amount appeared without an honest direct concise response to our question from them. Citi 's customer service representatives rarely include a name on their correspondence, making it difficult for follow-up to whomever responded to our inquiries. { Note : Also missing on their  XX/XX/XXXX  response letter. } We felt the only way to get issue cleared up was to stop using their card for purchases, which we did before  XX/XX/XXXX  cut-off plus being unaware they would be charging interest on same. Interest on interest in   XXXX    was the last straw, prompting closing our account on  XX/XX/XXXX . Their  XX/XX/XXXX  billing just received, failed to mention our {$8.00} balance due us in our Reward Account or even the fact it is a Closing Bill.
Product: Credit card or prepaid card

Application ID # XXXX, application date XX/XX/2021 at Costco Wholesale. Application was made when I joined Costco for the Citibank 's Costco Anywhere Visa. I was provided the mentioned application ID number and I received a letter about 10 days later after the application where is stated they were unable to approve my application because they couldn't verify some information on my application. The letter did not tell me what information and did not offer any possible way to resolve this or assist me on how to resolve this. I called their toll free number on XX/XX/2021 at around XXXX EST. I spoke with a representative by the name of XXXX who transferred me to the application department. I only received a recording that asked for my social security number and only told me a letter was already sent to me explaining the status of my application.
Product: Bank account or service

On XXXX XXXX, 2017 I called to place a stop payment on a check with Bank of America. On XXXX XXXX, 2017, I see the check posted, when I spoke with Bank of America customer service, they advised me that the stop was on my account correctly and XXXX XXXX put the check through a few times. The first time Bank of America stopped it but when the bank took out the check number it went through electronically and they can not do anything about that. First, I was never told over the phone or by the letter they sent to me about the stop payment did it say that if a bank puts the check through electronically it will still process. Second, when XXXX XXXX first put the check through and Bank of America stopped it then the same bank put the same amount, made out to the same person through a second time, they let it go through then. It seems very deceptive on Bank of America side, they should have stopped it for both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.
Product: Money transfer, virtual currency, or money service

I tried to buy concert tickets from someone on XXXX. I know you assume risk when you do this, so I tried to be as careful as I could. I asked a lot of questions and asked for ticket confirmation. Ultimately, I was scammed out of {$300.00} dollars using Chase quickpay ( XXXX ). I've tried to remediate the issue with both companies, who have been unwilling to do anything at all. 

Chase was unwilling to conduct any sort of investigation, or contact XXXX or the other users bank account to try to remediate the issue. XXXX has been unwilling to do anything at all. After doing some research ( which I should have done before I made the transaction ) it seems that XXXX has become a safe haven for scammers who know the company and banks won't do anything to fix these issues. 

These crimes are becoming common and they will only continue to become more common. It is disappointing and surprising to me that purely digital companies like XXXX are handling this better than our nations oldest banks. 

I know that I screwed up, but I'd like my bank to at least take this seriously. I was defrauded. Chase told me they couldn't do anything because quickpay was " self-service ''. Every product I use by Chase is self-service. But they wouldn't be able to say that if my debit card were fraudulently used. These companies shouldn't be able to offer products just because they're in high demand if they aren't going to make any attempts to secure them. I ( along with most people ) expect more from my bank and companies they partner with like XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been working with XXXX XXXX XXXX regarding the account they sent to collections, the amount was paid off back in XX/XX/2019 as contingency of signing up for new Internet service, the account had to be paid in full in cash at one of their branch. 

I made a payment of {$290.00} in cash, XXXX never send me a bill or notice of account being outstanding. I have a new account with them. XXXX is not able to fixed the account as the payment was made in cash at a branch, the collections department at XXXX has submitted an amnesty to remove the account from collections the confirmation number is XXXX. 

Convergent Outsourcing the collections company is refusing to accept the information provided to them and insists the debt still stands and is sending me collections letters.
Product: Mortgage

I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, ( XXXX ) XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I agreed to pay Loan Depot {$2500.00} for the origination charge with no charge to lock in the interest rate of 3.75 %. Between North Dakota 's title company and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of my own, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot a higher origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with North Dakota 's title company and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. Loan Depot knew " the delays on XXXX XXXX 's application were outside the control of both parties '', but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed out of fear they would raise the rate even more. Knowing the delays were beyond both parties, why am I the one paying for the delays while Loan Depot is collecting additional interest, higher fees, and additional fees? 

See also : Case number : XXXX
Product: Credit card

This complaint relates to a prior dispute with Capital One regarding my checking account, CFPB complaint # XXXX, which has been closed without a satisfactory resolution on my part. My complaint was submitted to credit my Capital One checking account with {$3000.00} that was deposited by Capital One to their own account and not to any of my Capital One accounts. Instead, on XX/XX/2023, they debited my checking account {$3000.00}, leaving me instead with a net debit of {$6000.00}, the amount which Capital One then owed me. Then, as stated in their letter of XX/XX/2023, on XX/XX/2023 Capital One credited our credit card {$3000.00} and on XX/XX/2023 they credited our checking account {$3000.00}, 'reversing their previous error '. In the meantime on XX/XX/2023, seeing that my credit card was credited for {$3000.00}, I asked Capital One to close the credit card account and asked for a credit balance refund of {$810.00}, which I did receive, # XXXX. Then, instead of closing my credit card account, on XX/XX/2023, Capital One debited my credit card {$3000.00}, which it continues to insist that I owe with late fees and interest charges. Their accounting has never allowed me to recover the {$3000.00} that Capital One has stolen from me! I have spent countless hours on the phone, often speaking with untrained representatives who will not attempt to understand my problem, trying to resolve this issue. I have filed a claim with Capital One that the XX/XX/2023 debit of {$3000.00} to the credit card was fraudulent on their part and have requested that the debit and all interest charges be reversed. I have not received any reversal of credit card charges or other response to date. Capital One still owes me {$3000.00} and restoration of my excellent credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX says that I owe them money and have reported it to the credit bureau. This is not true I never had an account with XXXX XXXX and somebody used my information