23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The city of XXXX XXXX bill me for water consumption for a period I did not use because I did not owed the property for the billing period. Then, report this account in collections affecting my credit report without notice to me. I did not receive notice or have a chance to dispute this balance. I sold the property in XX/XX/XXXX and the bill goes to XX/XX/XXXX. I learned about the debt in XX/XX/XXXX after my credit score when down and I contacted the city of XXXXXXXX XXXX to pay the balance and the XXXX XXXX XXXX. After multiple calls with on solutions I sent proof of the sale of the property, proof of {$250.00} in escrow to pay the bill with the title company and requested they update and remove the collection report. The city of XXXX XXXX stated they will not remove the information and insisted even if they update the balance of {$220.00} to {$86.00} they will not remove the collection report after payment. XXXXXXXX XXXX   stated they will not let me dispute the charge or receive any proof until the City of XXXXXXXX XXXX notify them. As of today, XX/XX/XXXX I was not allowed to pay the {$86.00}. The only option is to pay the {$220.00} that I do not owe. Base on what XXXX XXXX city told me the current balance after adjustments will be {$86.00}, but their system or representatives will not take the payment for {$86.00}. Also, the title company still in possession of the escrow funds to pay the bill.
Product: Credit card or prepaid card

I have a prepaid card that was issued on XX/XX/2020. On both XX/XX/2020 and XX/XX/2020, I was charged a " monthly service fee '' of {$3.00}. I believe that charging such a fee on this prepaid card, especially so soon after issuance, is in violation of the federal CARD Act and/or N.Y. General Business Law 396-i.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX - Opened on XXXX Account Name : XXXX XXXXXXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened on XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Called Company on XX/XX/XXXX to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In XXXX, XXXX took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full. 

Per XXXX XXXX XXXX, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to XXXX XXXX XXXX The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ). 

There is also supposed to be a notice within the form stating as follows : XXXX CFR XXXX NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that XXXX XXXX XXXX XXXX States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : XXXX XXXX XXXX XXXX - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

ALso my paperwork shows Navy Federal as the lein holder however the Secretary of state shows they are not. I am aware that the XXXX is a private business and their records are incorrect. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years my Student Loan account at XXXX displayed an old, incorrect email address when I checked the contact information. Live operators on the phone also corrected the email address at my request but later the old email would resurface. 

This can be proven in a court of law by examining logs and records at XXXX. 

In XXXX I received a notice from my bank ( not XXXX ) the negative items were on my credit report. XXXX reported me 90 days late on 2 accounts. I had no knowledge they were due. All my loans were in deferment as far as I knew. My credit is good and I always pay on time. Check my history, please. 

XXXX asked me previously to use " paperless '' notifications. Their system failed to perform correctly and caused me real harm in a XXXX point credit score drop. When I check ed with XXXX on the day of the negative credit report, the contact page displayed my old, incorrect email address. I corrected it. 

This can be proven in a court of law by examining XXXX computer logs and records. 
Ironically, my credit history suggests I am correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN 5 YEARS AGO. this was settled. i was XXXX and on my own. the XXXX  was paid the copay. that was to settle it. the rest was out of my medical savings account. they never applied or didnt apply correctly... i explained this repeatly. then it finally dissappeared from credit report..i figured whew ok finally handled ... .now it mysteriously appears years later. ITS THE ONLY THING ON MY REPORT THAT IS DETRIMENTAL I AM XXXX XXXX SOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX PLEASE HELP
Product: Checking or savings account

I was supposed to get my direct deposit from social security for the amount of {$930.00} on the account ending XXXX on XX/XX/year> and citizen bank still XXXX released my check or my funds to my account and am supposed to get my direct deposit 2 days after my payday and Citizen Bank did not release my funds to my new account.
Product: Checking or savings account

I was charged two overdraft fees when my account never was overdrawn. Please see attached statement from the bank showing that the PENDING charges were subtracted from the account balance BEFORE the actual transactions were deducted from the balance. The pending charges still have not posted & a deposit went in that would cover them if they did go through. If your account has not gone into a negative balance - it is not overdrawn. I had {$580.00} available in my account & {$570.00} in charges that posted.
Product: Checking or savings account

A checking account was fraudulently opened in my name at Wells Fargo. They will not disclose who violated me and my personal information. I have reached out to them by phone and email with no response. I am wondering if Wells Fargo is up to their old tricks. Did they open this account in my name? Is this the reason they will not tell me who did this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : Acct ending in # XXXX  for a Discover Credit Card is issuing a collection that was original date as of XX/XX/2002. this accpunt is still reporting almost 16 years after the fact. This colcetion was chraged off by creditor over 15 years ago and is still being reported as derrogatory in my XXXX  credit report.

Discover is in full violation of the fair credit reporting act ( FCRA ) Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) as the time has elapsed for this item to continue on my credi and personal history. this is adversely and without merit affecting my excellent credit as of the last 10 years.

I need discover to remove this item as collection from my equifax history immediately and or be penalized by CFPB for violations of FCRA for the past 8 years of reporting eroneously stated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted an extension from XXXXXXXX XXXX for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Product: Credit reporting or other personal consumer reports

My account was included in XXXX Bankruptcy and should show as such in my XXXX credit. It should also so a {$0.00} balance. I asked company to correct this issue, and it appeared to have been corrected. It is now back to being incorrect. I have asked them to correct it again
Product: Credit card or prepaid card

IN XX/XX/2019, I WAS VICTIM OF FRAUD ON MY BANK OF AMERICA VISA CREDIT CARD FOR USD XXXX. I TALKED TO THE BANK ONCE I HAD NOTICE FOR THIS LARGE AMOUNT OF THE CHARGE AND THEY OPEN AN INVESTIGATION AND COUPLE OF DAYS AFTER THEY FAILLED CLOSING THE CASE SAYING THAT THEY NOT REVERSE THE MONEY BECAUSE WHO DID THE CHARGE HAD THE CHIP AND THE PIN NUMBER OF THE CARD. THAT STATEMENT IS FALSE BECAUSE I NEVER GIVE THE CARD TO ANYONE, AND ALL THE TIME THE CARD HAS BEEN IN MY HANDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting incorrect status information. I was never late on my XXXXr - 30 days in 2019 on XXXX, XXXX, and Equifax.

I was never 30 or 60 days late with XXXX/XXXXXXXX  XXXX on XXXX  and XXXX. 

There are unauthorized inquiries reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being CAPITAL ONE BANK USA NA, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.
Product: Credit reporting

Enclosed are copies of reports on disputes from Equifax. These XXXX disputes were created in the mind, ( or lack thereof ), Equifax. Equifax has now taken upon themselves to create disputes out of thin air. 

I have NEVER disputed : My address ( I know where I live and, this is XXXX of the few things Equifax has right ). 
OR : XXXX XXXX XXXX. Here again Equifax created, by themselves, another dispute. I mean now really, think about this. This account was closed the same day it was opened and NEVER had a balance, Why would I dispute that?
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by XXXX, XXXX and Transunion. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Violation of FCRA Provision Dear Sir/Madam, I am writing to file a formal complaint against Experian, a consumer reporting agency, for their egregious violation of the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1022.142 ( e ) ( 4 ). On XX/XX/year>, I submitted documentation to Experian demonstrating that I was a victim of human trafficking. Despite this, Experian has failed to take appropriate action, and their actions have caused significant harm to my credit and well-being. 

On XX/XX/year>, XXXX XXXX of Experian 's XXXX XXXX  department contacted me and informed me that they would not be proceeding with my case because they purportedly found that my certified non-governmental organization ( XXXX ) was not accredited. I have since attempted to contact XXXX XXXX multiple times, leaving several voicemails expressing my concerns and seeking resolution. Additionally, I have requested to speak with her supervisor, XXXX XXXX, but my calls have gone unanswered, and no action has been taken to rectify the situation. 

Experian 's refusal to block adverse information from my consumer report, despite the validity of the submitted trafficking documentation, is a clear violation of FCRA regulations. 12 CFR 1022.142 ( e ) ( 4 ) explicitly prohibits consumer reporting agencies from refusing to block adverse information based on the validity of the submitted trafficking documentation. By disregarding this provision, Experian has not only failed to uphold their legal obligation but has also betrayed the trust of consumers like myself who rely on them for accurate reporting. 

If Experian 's XXXX XXXX  department had performed their due diligence, they would have easily verified the legitimacy of my XXXX by visiting the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX website. On the website, under the " Advocates '' section at XXXX XXXX XXXX the XXXX affiliation of XXXX XXXX XXXX, my advocate, is clearly listed as a certified XXXX. Experian 's failure to conduct such basic verification demonstrates negligence and a lack of commitment to their responsibilities. 

I am deeply concerned about the impact this has had on my creditworthiness and reputation. Experian 's actions have not only hindered my ability to access financial services but have also caused emotional distress due to the re-traumatization of my experiences as a XXXX XXXX XXXX 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their violation of FCRA regulations. I also request that Experian be compelled to remove the negative item from my consumer report immediately and take steps to rectify any damage caused to my credit and reputation. 

Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in ensuring that consumer reporting agencies like Experian uphold their legal obligations and protect the rights of consumers. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Hi, I applied for a Heloc for the amount of {>= $1,000,000} with PNC bank in XX/XX/XXXX. 
I was told the process would take around 45 to 60 days. Previously, I had a Heloc with PNC bank that I paid off in a few months. My expectation was everything would be the same since my credit rating is better and my bank is PNC bank. I was going to use the money to pay off some of my credit cards. Since I applied for the loan, I have pay off half of my credit cards, and I provided all the documents to the bank. I feel like I have been discriminated based on my previous loan which was back in summer of XXXX. My credit rating is much better and PNC should have access to my soft credit report since I am their own customer. My financial hasn't been change, my assets our stronger and my credit rating is better. I also have a better job since XX/XX/XXXX. I applied for the loan in XX/XX/XXXX and now is XXXX XXXX a lot has changed since I applied for the loan. I tried to escalate the matter internal but I haven't been successful. 
ordinary people such as me apply for a loan to pay down their debt and access to the capital shouldn't be monopoly only to a certain group of people. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with Equifax on XX/XX/23 on XXXX XXXX that's on my credit report I was told to fax over my paperwork showing that I paid full XXXX XXXX XXXXXXXX. On XX/XX/23 my dispute was complete so I call on XX/XX/23 @ XXXXXXXX XXXX and I spoke with XXXX XXXX and he told me that I owe XXXX XXXX the money because that's what they say in the report. I told him to look at the receipts that I sent in and he would see that I paid in full. I ask for a supervisor and I ask the supervisor who I'm I spoke with and he wouldn't give me his name and he was so rude to me about my dispute telling me that I owe XXXX XXXX and that's my bill and I need to pay them people because I owe them that young man was so rude to me I cry. I'm send a copy of the receipts that I fax to Equfiax showing them I paid in full XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two car dealerships that were not authorized to run my credit, I have the letters from the car dealerships and sent them to XXXX XXXX, I have heard nothing from them and every time I try to send a letter it gets returned. 

XXXX AND XXXX did not have authorization to run my credit through XXXX XXXX, XXXX XXXX needs to delete ALL hard inquiries off my credit report
Product: Checking or savings account

I was charge overdraft fees when the money was there and I called in said it will be fixed it was never reversed or fixed cause my payroll check always hit my account to pay the fees before the reversed it
Product: Debt collection

XX/XX/2022 - XX/XX/2022 ( is still going on to this day ) XXXX XXXX XXXX XXXX XXXX broke my accommodations, made me do an extra XXXX  weeks of work, went against my consent when withdrawing and put it as temporary. I was allowed one accommodation XXXX weeks later which allowed me to get a XXXX-. I can not transfer this in a XXXX XXXX This is ridiculous. Then they tried to resign me up for a course and threaten collections. There was something wrong with the instructions for this course and it affected my educational opportunities. The teacher retaliated and now RMS collects is attempting to collect the bill from me. claim were put out to human rights, civil rights, and professional services. The school is a diploma mill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to remove a fraud alert on my credit file from Experian for 60 days, only to be ignored when I call and forward mail that include my credentials such as : Purpose of the request, current utility bill, clear drivers license, and copy of my SS card. In contrast, Experian have not responded to my concerns to date so I can secure a loan from the bank that is essential to my financial future.