23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was affected by the XXXX pandemic, starting a new job, and my husband was laid off. I missed two payments on my discover account. I contacted them on a recorded line and explained my situation, and told them I wanted to make things right with them. I owed a lot. The gentleman I talked to set me up on a payment plan but told me with the payment plan, I still would get a late payment ding on my credit. I told him I really didn't want another ding on my credit report and asked him what I needed to do to assure I was current and not past due. He told me the amounts I needed to pay and by what date I needed to pay them. I paid every last dime I had to make my account current ; I contacted discover again and talked with another agent, and they assured me again I was current and wouldn't get another ding on my credit report. BUT they didn't take me off the payment plan. So it still dinged my credit report again as late. I then contacted them and asked if they would please listen to the recorded call as I did everything the representative said to do to make things right. They told me they would do an investigation and get back in touch with me.. Which they never did. I have reached out multiple times. They also FROZE my account after they marked it as late. Then said they would do quarterly, I believe? Checks to see if my account could be un-froze. I just recently am in the process of buying a new home and paid close to {$4500.00} towards this card to get my credit even better. Last week I chatted with my mortgage lender, and everything was looking good. Then Friday, I got a notification from XXXX that they had closed my discover account. I let this go for the past couple of years with my account closed because I really wasn't planning on using the card. I was just all about trying to fix my credit since it got so destroyed after this whole pandemic thing, and now discover is completely ignoring my requests to check the phone recordings to confirm that I did indeed do as they told me to do. I have been a customer with them since 2015. Since the pandemic I haven't missed ONE payment. I have paid every month on time. I had a {$9500.00} credit limit with them. This has made a huge impact on my credit, and I am very unhappy with my experience with them. By doing what they said to do, I am now paying the price with dings on my credit even worse than if I wouldn't have cut myself short and just did the payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called EXPERIAN various times to complain about mortgage lender not being able to pull experian scores. Was told there is no block on my account and all the information given was correct. Its very frustrating that Im in limbo with tryna move forward and experian cant figure out whats going on with their score model ...
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president XXXX fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer Transunion-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Ditech Financial has failed to provide {$740.00} payoff refund after 2.5 months. The mortgage was paid off on XXXX XXXX, XXXX. I called Ditech around XXXX XXXX to confirm payoff status and shipping address for refund. I emailed Ditech on XXXX XXXX, XXXX, requesting an update. I called Ditech around XXXX XXXX and was told that a refund was issued on XXXX XXXX, XXXX, but it would be reissued and should arrive within 2 weeks. On XXXX XXXX, I received a response to my original email stating that a refund was mailed on XXXX XXXX. As of XXXX XXXX, 3 weeks later, no refund has been received.
Product: Money transfer, virtual currency, or money service

XX/XX/22 someone zelled me an amount of {$340.00} and then asked me to send the {$340.00} through XXXX. I was always told once the zelle went through that was it so i trusted the transaction. 

Later on XX/XX/22 i noticed the zelle was reversed and taken away from my account. I lost out on {$340.00} because they said there was nothing they could do about it. I contaced XXXX  to see if they could do something about the {$340.00} i sent through XXXX and contacted zelle and they both said therw was nothing they could do. So i lost out {$340.00} through zelle because they reversed the charge.
Product: Checking or savings account

The bank is putting through payments when I do not have enough money in my account THEN charging me a fee for each. 
I called customer service and told them not to do this but they continue to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : I recently pulled my reports and noticed you are reporting this account as Open when its closed. Because this account is closed but being reported open by your company, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another complaint about Comenity Capital Banks inaccurate credit reporting to the consumer reporting agencies. Comenity Capital Bank responded to a complaint via the Consumer Financial Protection Bureau ( Reference Number XXXX ) on XX/XX/2022. I reviewed the response letters and obtained a copy of my credit report from XXXX on XX/XX/2022 to determine if the items Comenity Capital Bank reported to the credit reporting agencies were consistent with the banks response to the CFPB. 

I found that Comentiy Capital Bank was false in its response to the Consumer Financial Protection Bureau. I would like all items deleted immediately for violating multiple laws and regulations and for the intentional false response to the consumer reporting agencies on XX/XX/2022 and the Consumer Financial Protection Bureau on XX/XX/2022. 

Comenity Capital Bank is defaming my character by reporting accounts that have not been properly validated, reporting them inaccurately and refusing to permanently delete the accounts after being notified of the errors. 

A signed binding agreement between Comenity Capital Bank and XXXX XXXX still has not been provided for any of the accounts listed below. The accounts were transferred to other companies without an agreement. I am not liable for any of the accounts due to the lack of a signed binding agreement with Comentiy Capital Bank.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On 3 different occasions over the course of almost a year, I have been reopening and then subsequently waiting even longer for a resolution because of the nature of my claim I have been patient but it's getting to a point where I don't see how the dispute investigation is coming to a decision not in my favor when I am specifically being targeted by a fraudulent identity theft situation on top of that I need to be given what is due to me and I am way outside the XXXX day time frame allowed for a decision to be made for my claim that was filed back in XX/XX/2021 for a year long mail fraud and identity fraud crime was being put on me and I have not been able to financially recover due to this issue. I sent in police reports, written statements, and all required documents to claim dispute processing but even though I present reciept of successful send of all paperwork I am being victimized and I don't feel like anyone is really investigating anything for me to recover my funds I show proof and even did an in person identity verification at my local b of a bank branch and still I am having issues hearing back from any of the complaints I have notes in my dispute attachments. Trying to understand and fight accounts by knowing your rights when it comes to fraud or schemes involving fraud it's always good to know first, your rights so I know for a fact now that without these documents my credit will not be.issued?
Product: Mortgage

Rushmore along with XXXX XXXX XXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known XXXX XXXX notarize the assignment dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. These assignments are aIl fraudulent and fraud cant be the basis for obtaining a deed. The notary XXXX XXXX XXXX was apart of both Federal and State Court cases. The Vice President that signed are not bank presidents. The are simply Robo signers.I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the XXXX accounting and they didnt even acknowledge my request. They are also guilty of violating Federal dual tracking laws. I requested assistance submitting all of the documents and while collecting loan modifications documents they referred my loan to XXXXXXXX XXXX XXXX XXXXXXXX. This was clearly Dual Tracking.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward an-= ;? consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures again with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXXXXXX XXXX  # XXXX - XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B It is illegal to report information on my credit report without my permission. Thank you. Please remove this from my credit report. 

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 XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 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: Student loan

I took out a loan to attend XXXX located in XXXX XXXX, Texas. I took courses in XXXX XXXX and XXXX to retrain for a career. Originally, the loan was not through Navient but was later reassigned to Navient. The interest rate was exorbitant and the principal seemed to never go down. My payments only seemed to pay the interest amount. As soon as we could be approved to get a personal loan to pay off Navient we did. I no longer have " Student Loan '' but I do have a loan that I am paying on. I feel that I deserve to be a participant in any lawsuit settlements against Navient.
Product: Debt collection

This is the XXXX complaint I have filed against them, and every time I get the same ridiculous response. They make some absurd claim that the documents I have submitted are not valid. It is beyond frustrating and disheartening to see that TransUnion is failing to comply with their legal requirement to process the identity theft report. I am writing to express my extreme frustration with the lack of action from TransUnion regarding the inaccuracies on my credit report. Despite doing everything by the book with disputing these accounts, I have received nothing but stonewalling and excuses from TransUnion. I have contacted the bank, law enforcement agency, and filed a report and affidavit, but TransUnion seems to be the only agency that is not following the legal requirements. Both XXXX and XXXX have removed the accounts per legal requirement, but for some inexplicable reason, TransUnion feels I am not following all the steps. I demand that the CFPB honestly look closely at this case because it seems that TransUnion is neglecting their responsibility to process the identity theft report. I have filed it with a law enforcement agency, and XXXX is a federal law enforcement agency. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Debt collection

Southern Management systems XXXX XXXX XXXX First reported XX/XX/15 Debt ant {$770.00} I called the above mentioned company and was violated my rights FCRA being advised I must give my contact phone number to speak with an representative before anything could be discussed. I disputed this debt with all 3 major credit bureaus in which one of the bureaus have deleted. The service I received when calling in was very unprofessional and did not allow me to communicate with the debt collector to resolver this matter.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in the 2017 XXXX data breach, making me a victim of identity theft. A fraudulent account, XXXX XXXX XXXX  XXXX is on my credit report and harming my credit. Despite previous disputes, it remains unresolved. Under the FCRA, identity theft disputes should be resolved immediately. I request the immediate removal of this account. Attached is my FTC Identity Theft Report for reference. Please confirm once it has been removed. Thank you.
Product: Money transfer, virtual currency, or money service

in XX/XX/XXXX ' i got a limitation put on my account and had to submit information about myselft and took XXXX  months for them to process it and give me access to my account and then again i get another limitation in XXXX this time claiming they could not process any payments thru my bank when i had to add a new account to my file.
Product: Debt collection

the dates are wrong on this account dates of last payment should be XX/XX/2018 and not date absolute bought the account and balance is not correct, need account number and name of company for my research ABSOLUTE RESOLUTIONS INVESTMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1500.00} on XX/XX/21. I have been paying the he loan consistently since XXXX. To date, I have paid roughly {$2200.00} to this company and still have a balance of {$1500.00}. I can not afford to make these exorbitant payments. Thats more than I took out in the first place. I would like to revoke ACH authorization on my account and to have this account closed. I am willing to settle on a discounted rate to have this debt removed. I also ask that all future communication be sent via email and no phone calls should be made to myself or my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is reporting inaccurate, incomplete, and inconsistent information on my credit report this is a violation of Title 15 1681E " Accuracy of Report ''. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This consumer reporting agency is also in violation of USC Title 15 1681i 5 1-2 ( 5 ) Treatment of inaccurate or unverifiable information. " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' If this is true then the following Alleged charged-off account XXXX must be deleted immediately due to being furnished with multiple inaccuracies, it is also incomplete and inconsistent. it showcases Years of late payments after the account was already closed. There should be no late payments reported after the closed date of XXXX This is inaccurate reporting. No Date of last activity is furnished- This data field is incomplete. There is no actual payment amount furnished for alleged the last payment date which is another Incomplete data field. The date of the first major delinquency is inaccurate.the alleged date of first major delinquency is XX/XX/2018 which is 3 months after the account was allegedly closed on XX/XX/2018 this is inaccurate and inconsistent reporting. This consumer reporting agency failed to furnished the date of the first major delinquency was first reported this data field is also incomplete. Also, The payment history Calendar is inaccurate according to this credit reporting agency 's payment history key. The alleged payment history shows 4 Straight 120 's Late payment marks which are not possible nor accurate and is inconsistent with the standard of the Equifax Payment history key.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I sent a dispute to all 3 credit bureaus and they didn't comply in 30 days
Product: Vehicle loan or lease

I took out a car loan with Citizens Bank on XX/XX/XXXX for approx {$36000.00} with a monthly payment of {$590.00} monthly acct # ending XXXX. I was laid off from my job in XX/XX/XXXX and my last payment on the loan was in XX/XX/XXXX. The car was repossessed in XX/XX/XXXX and charged off the same month for {$9100.00} after the car was sold by Citizens Bank. I have a checking and savings account with Citizens Bank and without my knowledge and permission, withdrew {$9100.00} on XX/XX/XXXX out of my savings account to satisfy the charged off account. Most of my income is from Social Security retirement and I have been receiving Social Security since XX/XX/XXXX. I had saved over {$12000.00} during ths time and was in my savings account at Citizens Bank. I thought is illegal to take money from an account if most of that income is dervied from Social Securirt benefits and if there was no activity on on account for at least four years according to debt collection regs. The telephone number for Citizens Bank Asset recovery is XXXX and address is Citizens Bank Asset Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX. Please see attached docs for additional verification. Please advise if you need nay further information from me. Thank you very much
Product: Checking or savings account

My Regions Checking account was closed without my knowledge or consent. I went to the local branch as directed by the Customer service representative. The representative on the phone told me they did not have the ability to unlock the account, but I could go into the branch and have it unlocked. I went down to the local branch on XX/XX/2020, at XXXX XXXX. I asked why the account was being closed? The branch manager joins in on the exchange between the banker and myself. I was given no reason besides fraud/security put a hold on it, and Regions Bank no longer wanted to handle my accounts. I was told the bank account wont close officially until the XXXX of XXXX. At which time they would then send a check and it could possibly take up to a month. I had a balance of {$500.00} and had inheritance that was deposited twice a month to that account from Regions investment. I am glad to be gone from that bank, but why cant I get my sooner?