23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX i called chase and informed them tht a deposit was made on my account two checks for XXXX each that i didnt deposit i also informed them that someone attempted to take XXXX out of the account because of an alert i received. They immediately turned my debit card off i was told to go in and see a banker with my social security card and ID which i did it was friday XXXX XXXX. i waited until XXXX XXXX called again i wastd the banker didnt put my information into the system to go back which i did in XX/XX/XXXX, the banker put my information into the system this time as a verification i sid all that continued calling only to be told my account was being closed no explanation i reported the fraud went in to verify my identity and was punished for it like a criminal no explanation my online was cut off they talked to me very nasty and short i dont want a negative mark on my name especially when i did the right thing i didnt withdraw any money i reported it and nothing was done at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XX/XX/XXXX XX/XX/XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you
Product: Debt collection

In XX/XX/XXXX, I contacted a company named XXXX to get an estimate to waterproof my basement. The salesman seemed to be very knowledgeable about the process of getting the necessary work that was needed. Then the salesman gave me the price it would cost to do the job, which we didn't have the money upfront to pay for the job, so my wife and I inquired about financing the project. We allowed the salesman to run our credit for approval and it was accepted. We have been making on-time payments for a year. 

On XX/XX/XXXX, I get a notification from my bank from a lender named Green Sky who has raised my balance owed from {$4000.00} to over {$12000.00} now owed to them. I called Green Sky to ask them why did my balance just triple? And the operator told me " My bill is over a year old and that is the reason why my balance increased. '' The salesman never mentioned the terms of paying back the loan. I feel that this was a predatory loan, and the salesman failed to mention all the terms and conditions for paying back the loans. We had to take out two loans to finance this project with Green Sky and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account was paid in XX/XX/year> yet the payment history has been reporting XXXX late for the last XXXX years. XXXX and Experian both stated they investigated and found no issues. The account is closed and paid how can they continue to report it as late
Product: Payday loan, title loan, or personal loan

It has come to my attention that this lender is not legally licensed by the state of California. Upon checking the DBO, Balance Credit is not listed on the DBO website. I have received 2 loans where I was charged excessive fees that were not legal in the state of California. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received multiple loans that dates back to XX/XX/2017 have had several bi-weekly withdrawal payments from my bank account. 

With the past and current loan taken out I have over paid due to the excessive interest accessed. I would like my existing loan to be deemed as paid in full with all the overpayments I have made for the past 2 years. 

I have requested to revoke authorization for ACH withdrawals. I have sent two emails and have not gotten a response. Usually, Balance Credit responds immediately to emails within 1-3 hours if its in regards to another matter ( such as payments ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy information listed on my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). According to my credit report, there is an entry related to a bankruptcy that I believe to be incorrect. 

Please investigate the following bankruptcy information and remove or correct any inaccuracies : Bankruptcy Case Number : XXXX Filing Date : XX/XX/year> Court Location : XXXX XXXX  XXXX In accordance with 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and sharing credit information, I am requesting that you : Verify the bankruptcy information : Conduct a thorough investigation to verify the accuracy of the bankruptcy information listed on my credit report. 

Provide documentation : Provide me with copies of all documentation and records used to verify the bankruptcy information. 

Remove or correct inaccuracies : If the investigation reveals that the information is inaccurate or can not be verified, please remove or correct the bankruptcy entry from my credit report.
Product: Checking or savings account

Merchant Account : XXXXXXXX XXXX XXXX XXXX I have had this merchant account since XXXX XXXX XXXX. I received a call from the risk dept in XXXX in reference to how we were processing transactions. Theyre decided to end the relationship and close the account. At the time we had processed over XXXX XXXX in payments. I was told those funds will be held for 90 days. As a small business that solution was unacceptable. Especially since we provide a service based on payment. However, we waited the 90 days. I had a few clients dispute charges for none service. However, we still have over XXXX XXXX in unpaid payouts. The representative handling the file have been very unhelpful, unresponsive, and very horrible service skills. Had to submit a complaint with XXXX just her to respond. Them emailed me with all these excuses to hold the fund an additional 90 days. Even after evalon reported this money to the IRS and sent my company a 1099 for the full amount processed. I feel like this representative is now taking this personal and targeting myself and my company due to race and gender. Further due diligence into this company shows a history on the XXXX of similar experiences.
Product: Credit reporting or other personal consumer reports

Equifax is reporting adverse information 7 years from the date of first delinquency on the accounts. Equifax states on their website that adverse info would be removed after 7 years yet adverse information is still being reported on accounts : XXXX US DEPT OF ED, XXXX US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF ED, XXXX US DEPT OF ED ; XXXX XXXX XXXX XXXX  OHIO DEPT OF HUMAN SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and sending evidence on this inaccurate bankruptcy for months on my credit under Experian. I have evidence its unverified and inaccurate. I attached all the evidence. If I cant resolve this issue In 30 days Ill be contacting my attorney.
Product: Debt collection

In XXXX & XXXX I disputed these 2 accounts that this creditor has placed on my XXXX credit file on numerous occasions & XXXX has sent me mail stating that the accounts were verified. Also I reached out to the creditor via USPS Certified mail asking them to validate the debt that they claim I owe them. I also keep getting alerts of them re-aging the date that the accounts in question were opened which is a serious FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my address corrected on my Experian credit report since XX/XX/2023. Experian as of XX/XX/2023 has not put my correct address on my credit report. 
I have been given 16 different dispute case numbers- 3 of which pertained not to my address but my name or social security number. I have been on the phone for hours with their dispute department and told numerous times that my address was fixed. It has not been. I have downloaded and sent by registered mail copies of my drivers license, social security card, bank statement, cable bill, renters insurance policy, and proof of health insurance from the state of Montana. All of these had my correct address. 
Experian has stated that they have received these documents and that they needed nothing further to fix the problem. They have not fixed the problem. I filed a complaint with you- # XXXX but the problem remains. I was sent a hard copy of my credit report from Experian which I received on XX/XX/2023 which had an incorrect address and which was different from the address listed on my online report. I am asking you to contact Experian again to please try and finally fix this problem. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 an account without my written instruction.
Product: Bank account or service

A couple of months ago I received a letter from USAA indicating that I owed some money and my account was past due. I called them to indicate that there has been an identity theft since I never opened the card nor was in possession of the card. Over the past few months I have called them several times to address the issue. Every time, it seems as though they are doing something about it but they arent and I find that they are simply having the collection agents harass me about the money. There is no mention of what they have done to investigate the identity theft and what their conclusion was. When I call identity theft department at USAA, they hear me out for a few minutes and either put down the phone or connect me back to collections. 
It is extremely unprofessional and I have not seen this with any of the credit agencies or banks that I have dealt with. 
At a minimum, i would have expected them to take note of the details, investigate it and get back to me on why they think that I was the one to open the account or atleast let me know the outcome of their investigation. I think there has been a presumption on their part to conclude without adequate investigation that I was the one to open the card. USAA I am told is typically open only to people either in the military or relatives of military. I have NO connection to the military and it seems like they did n't even bother to check this fact before issuing the card to whoever was impersonating me. 
I think the burden of proof should be on them to show me the documents to conclude that I opened the account. I even told them that I have a filed a police report and was willing to provide them with the report number. They did n't bother with it since they have pre-concluded without any investigation. I was told that the domain of the email address which was used to open the account was " XXXX ''. If they use a little common sense, that would be the first indication that it is a fraudulent account or atleast give me a chance to hear me out and take my complaint seriously. 
It has been extremely frustrating since they seem extremely unprofessional in the way they are going about this issue. I have been thrown around from one department to another and there is no transparency on what is going on. When I first reported it, they seemed to take down all the details but a few weeks later, they indicated no record of it and asked me to repeat the story again. I did and someone pretended to file a report and gave me a case number XXXX with the promise of some outcome in 5-7 business days. When I called them after a week with the case number, they simply were trying to transfer me back to collections. 
I feel I have no recourse as a consumer as I have no way of knowing what they are investigating and what they are concluding. I seem to be at their whim and they are holding me to ransom for their negligence in not verifying some basic credentials such as signature and proof of military. I think they need to be held liable for their negligence.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$9000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I paid XXXX {$830.00} with my PayPal account : XXXX. 

I later cancelled the ticket within 1 minute, but XXXX charged me a cancellation fee. I started dispute case XXXX with PayPal. PayPal requested additional documents, and I've provided everything to them. 

PayPal 's reason was : " This decision was made because we never received documentation that proves you are due a credit. '' However, I did provide the refund details sent by XXXX. 

On XX/XX/2019, XXXX finally agreed to refund my ticket in full, and I received an email from them saying " We are writing to inform you that the full refund for the flight reservation was processed on XXXX XXXX. The refund should appear in the bank card account in the next 14 days. '' However, on XX/XX/2019 I received a " notice of debit '' from PayPal asking me to pay them back {$830.00} USD. This does not make sense, as the merchant has issued a refund to my original payment method ( which is PayPal ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  XXXX  he county clerk, but did not remove them, stating they are reporting as verified.
Product: Debt collection

I contracted with XXXX XXXX lawn care for the summer of XXXX. This company constantly call stating that the only way one service can work I had to purchase another service in which I did. One day I was home and noticed that the weed guy wasnt spraying anything and that was probably which I still had weeds. The contract was finished, I paid my balance and then two month later received a collection notification from XXXX XXXX XXXX. I have been sending proof of payment to this company for XXXX months now and every month they ignore me and send me out a new collection notice last one dated XX/XX/1021. I have called this company, emailed my proof, called again and still nothing. I will XX/XX/XXXX if this is illegally reported to my credit report and I paid the balance. It seems that once I didnt want to continue receiving service from XXXX lawn care they sent my account to collections when I had XXXX balance. This collection agency know they should be verifying the accuracy of an account before aggressively pursuing customers. This is fraud that I want reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with XXXX to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to XXXX to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and XXXX refused to remove the fraudulent accounts. XXXX always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from XXXX  both dated XX/XX/XXXX, in one of the letter XXXX stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent XXXX my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need XXXX to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

XXXX currently has 6 fradulent accounts listed on my credit report. 
Comenity Bank/ wayfair {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} Comenity Bank/ Victoria Secret {$770.00} XXXX {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.
Product: Mortgage

This complaint concerns my tax bill/monthly payment for my mortgage company Loancare LLC. My tax bill was originally assessed higher as the previous owner rented out the home rather than living in it. I went to the tax office showed proof of residency and got a revised tax bill at the beginning of the year. I faxed this to the loan company and they never changed my monthly amount based on the revised tax bill. I followed up and they said they did not receive it, so I sent it to them again on XX/XX/18 to the e-mail address they gave me. No response. I followed up and they asked me to resend it so I did so on XX/XX/18. Same e-mail address was what was told to me. My monthly payment did not change. I called again and they asked me to resend it again and so I did so on XX/XX/18- I was told to send it to the same e-mail address. I stated in my e-mail that I wanted to ensure I was not defaulting on my loan due to my payment going up and me refusing to pay this amount since I had proof of my tax bill revised. No response. I then heard form my home insurance company that since I had not sent a payment in for my insurance, and I was going to go in to lapse coverage. I called Loan Care and they had no record of my home insurance. I started out with a different Loan company and they had that information and then all my information was forwaded to the new loan company so they should have had that on file. I finally got that resolved and had my agent reach out to them with the information. While I was on the phone for that, I spoke to a supervisor about my tax bill and she finally said she would look into it. Never heard back so I called again and the representative told me that because I did not have proof of this years tax bill, they could not change my monthly payment. I called the tax office and they said no one would receive that information until XX/XX/2018. So I asked how that it was possible I had to have proof of something in XXXX that did not exist? She said there was nothing she could do even though I had proof of the revised tax bill. I gave up and decided I would wait until I got my next tax bill as proof. I then got a letter in the mail on XX/XX/XXXX stating they had changed my monthly payment finally and that I would be receiving a check for the surplus money in my escrow account, which they did send me a check. The same day I got an e-mail from XXXX XXXX letting me know that my credit had gone down due to being default on my loan. I also received a letter in the mail that I was default. I have paid every single month and have proof of that from my bank. Every time I spoke to someone on the phone, they did not tell me anything about being late or delinquent. I have proof that I followed up almost every single month with a revised tax bill with no response. They have now effected my credit and are saying I did not pay one of my months even though I have proof I did. I have complained several times with no action. I know others are getting this treatment based on the online reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 2 years my Equifax report does not include all information. Sometimes it shows accounts for XXXX XXXX and then it changes and only includes accounts that also show my middle name. This creates a massive shift in my score and overall view of my credit history. I've tried to dispute things on their website but they wont open any disputes. 
I've tried twice t resolve this.
Product: Money transfer, virtual currency, or money service

I never will get my refund or help back from support
Product: Credit reporting or other personal consumer reports

I disputed this issue with all three credit report companies, for the following 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, as XXXX the companies that I mention above purchased the debt in XXXX and resold to the debt prior to the 7 year mark. And did not send me anything in the mail stating that the debt was sold I had to find out by looking at all three credit reports so when they purchased the debt they came up with a new date to keep it longer on my credit report which is not fair. Per credit bureaus are required to automatically remove most negative items from your credit report after seven years, or seven years plus 180 days for a charge-off.

That's not being done and per the law it states The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice to consumers within five days of their first contact : The amount of the debt The name of the creditor How to dispute the debt How to contact the collector in writing A statement that the collector will verify the debt if you dispute it in writing within 30 days A statement that the collector will provide the name and address of the original creditor if requested A warning that any information obtained will be used to collect the debt None of that was done for me so what can be done in this matter I need help for the disputing with all three credit report companies is not doing their jobs at all
Product: Debt collection

I have an account reporting on my credit as bad debt. I have never authorized this account nor have I given anyone else permission. I have no knowledge to how my personal information was obtained. But I do know that this debt is not mine due to the fact that I never had services with this provider.