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

Filed a dispute XXXX/XXXX/XXXX with credit Bureau TRANSUNION regarding 3 account listings by by creditor XXXX and or XXXX XXXX, which requested they remove all innacurate, false, and erroneous information from my Transunion credit file. XXXX XXXX and or XXXX XXXX was notified as well via notification sent XXXX/XXXX/XXXX at both credit file listed contact addresses to remove all inaccurate, false, and erroneous information from all my credit files Transunion, XXXX, and XXXX within 30 days in which creditor has failed to fully comply. Received results of the Transunion investigation XXXX/XXXX/XXXX in which some information was corrected but not all and some innacurate, erroneous, and false information still remains such as a false account verified thru investigation as accurate and updated, which is totally false, innacurate, and erroneous and this account is not mine. Innaccurate account dates and etc., that will be addressed further in complaint letter that wiil be submitted with this complaint. Evidence submitted to support Transunion complaint should have been sufficient enough to resolve and correct the disputed inaccurate, false, and erroneous information contained within my credit file and reported by creditor XXXX and or XXXX XXXX.
Product: Debt collection

I used to rent at XXXX XXXX XXXX and when I decided not to renew the lease. I ended up by paying month to month rent with was expensive then was the regular rent. I was surprised to see that I was charged with extra rent when I moved out. I contacted the manager< I told her that when somebody as month to month contact that means he can move out anytime. that way I paid extra money.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my XXXX XXXX XXXX report, under the Fair Credit Reporting Act.I am requesting a copy of my XXXX XXXX XXXX report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX 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

I contacted Barclays in XX/XX/2021 when I noticed a small balance on my card that I paid off in full XX/XX/2021. Apparently my card was linked to my soon be ex husbands XXXX account & it was being used as a default payment. I contacted XXXX they were refunding all charges because fraudulent use. Barclays was called & told about this. The problem was that the interest & late fees were making the situation worse. I filed report with XXXX & we called Barclays which we were transferred to 5 different people with no resolution. I felt that my complaint would be easy & everything go away. Barclays continued to report late payments for multiple months & then closed my account. I received a letter from them saying that when they looked that I was responsible for the debit of interest & late fees combining. It is a disgrace that the credit bureaus calling cant get things taken care of. Please let me know if you need anything else from me & I hood you can get this resolved so it will stop negatively impacting my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an amount of {$3000.00} was recorded as refunded from my mother in laws ' cashapp to mine. It originally said to wait 7-10 days. We waited, and after that amount of time passed, there was still no money in my account, so, I contacted Cashapp, and they said with larger amounts it could take a few extra days so to wait 3 more days for the money to show up. We waited and still nothing. I contacted them again and then was told to call my bank, that at that point they had no information and I had to go through them. At this point, it had been over 2 weeks. I called XXXX, and they told me they couldn't help me because there was never a pending deposit of {$3000.00} ever sent from cashapp, so, they had no information on where my money was either. They instructed me to try talking to Cashapp again and if they still wouldn't tell me where my money was, to call FDIC. The final time I contacted Cashapp, they insinuated I was lying about not receiving the money and insisted it went to my bank account. I tried explaining that it never did nor was it ever pending, so that meant the error was on their end and was only met with attitude and told they had no information amd couldn't do anything about it. I called FDIC, and they told me that since the error was on Cashapps ' end, they couldn't help either since they only deal with banks and then told me to call the CFPB, which is what it did. I filed a complaint over the phone, but it never showed up on the account I made, so, I'm doing it now online.
Product: Student loan

Most of the inaccuracies and inconsistencies with Nelnet have been resolved at this time. However, there are still unexplained inaccuracies on two of my loans. This is on my two XXXX XXXX loans ( XXXX XXXX  and XXXX ). These loans are eligible for a 6 month grace period from my time of graduation from Graduate school. I Graduated on XX/XX/XXXX and thus these loans should have a six month grace period to XX/XX/XXXX with a first time payment due of XX/XX/XXXX. Nelnet informed me that these loans were actually not eligible for a 6 month grace period but were eligible for a 6 month forbearance period if I applied for 6 month forbearance. Nelnet informed me that they would apply for me and that this change would be made for me. Nothing happened. I recalled and they reapplied for me. Nothing happened. I called again and I was informed that the prior two times they forgot to send me an in school deferment request form that I needed to fill out and send back to them. I filled out the form and sent it back to them. They received it and responded saying that it had been approved for loan XXXX. However, no changes were made and my first payment due date is still in XXXX. Furthermore, the response didn't even mention loan AE. 

I would like to provide a little history as well. I have spent 8-12 hours on the phone with Nelnet across 8-10 phone calls over the past 4 months. I am currently unable to reach Nelnet as they state that their phone service is down. This has been the case multiple times. I am tired of Nelnet 's inability to provide answers, their lack of phone support, and the inaccuracies that they have had handling my loans. They continuously delay by stating that my request will take a week to process and then they do not make the change and do not follow up with any explanation.

This has been a 4 month process with minimal progress. My first payment due date is approaching and I would like to have a proper explanation for why the changes have not been made. But most of all I would like Nelnet to honor the 6 month grace period that these loans are eligible for. It has proved impossible to contact Nelnet as 50 % of the time their phone service is down and when it is not I spend hours on hold waiting to talk to a representative who usually does not have answers for me and always says the changes will take ~week to happen ( but they never do ).
Product: Mortgage

I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy.
Product: Credit card

I had my credit card number stolen in XXXX of 2015. It was my Carnival MasterCard through Barclaycard services of Delaware and the merchant of the charge is actually the one who phoned me the following day after it occurred and asked me if I made the charge, which I told him I did not, so I then proceeded to call my credit card company and explain to them the situation. They did immediately send me out a new card and number and at that time I thought and from the way they explained it that it would be resolved in a few days. On XXXX XXXX, 2015 I called them again because I noticed the charge was still on there and they basically said they had n't been able to reach the merchant which I have a hard time believing since it was XXXX. So I filed a complaint and was given a complaint number. It is now XXXX XXXX, 2015 and the charge is still on there. They told me on the day I filed the complaint that it would take 45 days to resolve and it is still not resolved. I have been a loyal customer for years with this company and have paid off my card in full several times, am always on time with my payments and this charge is still on my card. I find it ridiculous that this is occurring. I use this card a lot and I have never questioned a charge before and they are basically treating me like I am the criminal and I am absolutely getting nowhere with them. So that 's why I am writing to you.
Product: Debt collection

a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

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

There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.
Product: Credit card or prepaid card

I made a payment via the internet to my American Express account through Bank Acct A. I realized there were not the required funds in Bank Account A so I wanted to switch the payment to Bank Account B. American Express would not allow me to do that and as a result the payment did not go through. I called on the phone and made the payment in full with Bank Account B but AMEX still insisted on not canceling the payment to Bank Account A even though I made the Payment with Bank Account B. They stated numerous times it had to be submitted 3 times then they would cancel the payment. This is an unacceptable business practice and most likely illegal.

The result is 3 returned payment requests and 3 NSF Fees to Bank account A.
Product: Credit card

I called Discover. They said my account was closed. I did more digging. The website said I made a fraud alert with bureau and I need to call Discover to update. I called them, they said they couldn't help and to call XXXX. I called XXXX, XXXX said I had no credit fraud alerts, so I called Discover again. They kept transferring me until ultimately someone said my account was closed due to a business decision, with no further explanation. I pay everything on time, I have never missed a payment, I pay it all down every month using money from my job, which just gave me a promotion yesterday and a bump in salary. I did just go to XXXX XXXX and XXXX though and used it there no problem. This all happend today.
Product: Credit card

I opened a XXXX XXXX XXXX XXXX, who used Comenity as their bank provider. I received my first invoice in XX/XX/XXXX and paid it in full and on time on XX/XX/XXXX using a standard personal check. Comenity has accepted the funds and has not recorded it as paid. Now they are calling me several times a day. I provided Comenity written proof from XXXX XXXX and mailed it to the address they requested over a month ago and the calls are still coming in.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 

My one and only correct First and Last name is XXXX XXXX. 

and I have no other requisite reported names or aliases. Please remove all other versions of information similar or alleged as being my name from my credit report. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. 

Please remove all alleged employers that are listed on my report. 

Please remove all phone numbers that are listed on my report, otherwise please provide proof that you have verified them to be completely accurate and perfectly factual and certifiably compliant in its reporting. I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information. 

In accordance with Consumer Protection laws, I request that these NOTED items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified compliant and verified valid claims that are true and as reported. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of receipt of this letter. 

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank you for your prompt and timely help in this matter. 

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

I sent Wells Fargo a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was not removed with my previous CFPB dispute number # XXXX XXXX XXXX replied to my XXXX complaint that they dissolved their relationship with Equifax. I have 2 attach items. So who is Equifax verifying this supposed accurate information with? This is clearly an FCRA violation and needs to be removed immediately
Product: Credit card

I believe the following account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following account to be removed from my credit & their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX XXXX reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. The account is listed as a charge off. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had a XXXX credit card XXXX  since XXXX with XXXX BANK. In XX/XX/XXXX bank reported him 30-days-late. 5 months later in XX/XX/XXXX after being married in a month before in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could have been late as I did not have a card or no obligation to pay. I have asked the XXXX Bank and the CRA 's to remove the account. They have failed to do so. This is in violation of federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights, 15 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

Capital One is refusing to properly review my detailed evidence for a merchant that scammed me by selling me a defective vending machine. The vending machine I received from XXXX did not work or has not worked, since I received it. My electrician concluded that the voltage was too high for the XXXX, standard XXXX voltage is XXXX the machine I received was XXXX. 

Capital One is neglecting the fact that I was misled by the company which has created an extreme hardship for my business and personal finances. 

The merchant claimed that the machine was placed outside and it was not, the machine was moved the same day it was delivered to an outdoor outlet mall under XXXX covered roofs XXXX that is made from cement. The merchant lied about this fact and I also sent them several videos of where the machine was located. I'm attaching an image of my replacement machine that is in the exact same location as the faulty machine I received from the merchant. 

This evidence I provided needs to be properly reviewed. Capital One is being extremely negligent with my claim.