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

XX/XX/2020 - Called by phone and talked to XXXX. I said I have a divorce decree and court order for the division of assets. How can I get 50 % of the assets? Can I just send the divorce decree? How can I process this and get the money? She said, you will need to send the divorce decree to XXXX. So, I sent a digital copy of the divorce orders to the email she specified. And, I mentioned the account details and that the divorce orders were a default judgment and that we have not been able to contact him. And, on the same day, I received email confirmation of receipt of the email. On the same day, I also emailed the same email address asking to freeze the account to stop the withdrawal of money from the account. 

XX/XX/2020 - Asked for updates on the same. 

XX/XX/2020 - Again I sent email explaining the same situation from XX/XX/2020. I received email confirmation of the receipt of email. 

XX/XX/2020 - They said they are unable to process the request and that the account holder must make the request himself. They said I could take legal action against him even though this was a default judgment already. 

XX/XX/2020 - I sent a physical copy of the judgment to the Nebraska Penfed  address by USPS 2 day express mail. 

XX/XX/2020 - They said a member service representative must speak with you regarding the account. So, I called them and they said they will send a document by email with instructions for withdrawal. They told me that I need to fill the form from the email and send it back. So, I printed it out and then I was stuck because they sent me a form which was unclear and from my interpretation required his signature. 

XX/XX/2020 - I called Penfed and they said the account holder must sign the form and that I will not be able to sign the form. I told her that it was a default judgment. She restated that only he could sign and that I needed to get legal advice. 

XX/XX/2020 - I talked to Penfed  again and explained the same situation and they repeated the same advice and did not help me. 

So, Penfed has not acted on the court judgment orders as they were stated in the legal document.
Product: Mortgage

On  XXXX   XXXX  my payment was raised concerning my escrow account. My insurance last year was  XXXX  this year  XXXX . Taxes  XXXX  last year  XXXX ,. This year. my payment went from  XXXX  to  XXXX . I draw  XXXX  social security a month .When I got the mortgage they said my payment would not go up. I have a tight budget but have never missed a payment. I paid  XXXX  on  XXXX   XXXX  and they put charges on my account because I could not pay the new escrow.  XXXX  is not a lot of money to company 's but takes out of my food. There was not that much difference in the escrow. I talked with the company and they said they can not do anything
Product: Debt collection

I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.
Product: Credit card or prepaid card

On XX/XX/2018 there was a credit inquiry that showed up on my XXXX account for a credit card from XXXX XXXX. I did not initiate this request. I called XXXX   and they told me I had to call the credit card company as they ( XXXX ) simply reports what is out there. I called Synchrony but wasn't able to get any resolution. 

On XX/XX/18 I was able to speak with someone at Synchrony who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me Synchrony would notify the credit reporting agencies and that I would receive a letter in the mail from Synchrony detailing their findings.
Product: Checking or savings account

On XX/XX/2023 I had made a dispute with Wells Fargo bank ( Claim Number : XXXX ) on me never receiving fund from a return shipment I had provided the order number and information on returning the products the bank will not accept video proof of me giving the carrier. I did everything on my part to now I am a victim of the bank and {$1100.00} in the hole because the bank needs more proof which I could have provided for them.
Product: Checking or savings account

Tried to open my account with XXXX XXXX with my back will not let me link it
Product: Debt collection

I have been receiving relentless phone calls from Credit Corp Solutions ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) over a XXXX XXXX balance of approximately XXXX. Today they called my ex-husband trying to get information from him about me. we have been divorced since 2002! After I accumulated this debt, I was laid off from my job and took a loss of XXXX per year which significantly lowered my ability to pay as much on my bill as before. I continued to pay XXXX per month ( which is what I could afford at the time ) after my lay off and decrease in income. They started to continuously call me, up to 5 times per day, and tell me to pay more. I responded to their phone calls and told them that the most I could afford to pay on this bill was XXXX per month. They rejected this proposal and refused to negotiate. I then told them that I could not agree to pay more. I did research this type of situation and it is more harmful for me to make small payments without an agreement as it still was been reported to the credit bureaus even with the small payments I had been making all along. I do not want them to call me, my ex-husband or any of my family over this. I would still agree to the XXXX if they would agree to stop making reports to the credit bureaus but they refused to agree to what I could afford to pay.
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, i have hard inquiries that is currently reporting to the three credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. 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 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on XXXX XXXX, and XXXX report that seems to be inaccurate and violates my rights under FCRA. The account in question was stated to be deleted upon successful payment, but account still remains. The agreement was fulfilled on my end, but not the creditors end. Attached is the agreement that I was aware was in effect. Please review and fix any errors on my credit report.
Product: Credit card

I have a lot of inquiries on my credit that I don't recognize. I'm paying for a Citibank card and it's in common agreement with the Macy 's card that is also being paid and continues to report bad credit.
Product: Credit card or prepaid card

Received a letter dated XX/XX/2022 stating there was unusual activity on my account and call them. Called XXXX called and they wanted to know my S/S number was a recording. Called XXXX number XXXX and was put on hold, waited awhile and recorder said wait time at least XXXX minutes. Checked on line seems like fraud. 

Received XXXX letters on XXXX. XXXX dated XXXX which said I was overdrawn by {$1100.00} saying I could mail a check to the below address Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Called them at a number they supplied XXXX. A women answered and asked why I called. I explained it to her and she was going to hook me up with a direct line.! XXXX I told her that line will only ask for my S/S number so she hooked me up with another number put on hold forever XXXX letter dated XXXX was a repeat of letter received on XXXX.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was told my investigation was not done until my Id was verified i sent it in but the send my complaint back verified, then send a letter saying my information was deleted from my file and to reach out to other agencies CFPB Case XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How was XXXX, XXXX, or Transunion able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?
Product: Debt collection

This agency keeps relisting the successfully disputed information on my credit report in violation of FCRA 611. The consumer reporting agencies are not doing anything to assist in the application of FCRA 611. I've receive no written notice of the debt, its certification or intent to reinsert the information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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: Mortgage

We incurred damage from hurricane helene on XX/XX/XXXX. 

Our insurance XXXX came out and we were issued checks on XX/XX/XXXX in the amount of {$XXXX} and a second check on XX/XX/XXXX in the amount of {$XXXX}. These checks also included our mortgage company on them as payess along with ourselves. We contacted the mortgage company and they instructed us to simply send them overnight and they would endorse and send back. We scheduled roof repair people with this expectation. After XXXX weeks they returned them unsigned informing us thaty we had to endorse them and send back to them, forcing us to cancerl our repairs. They stasted they would now ber involved with every step and would keep the funds in escrow. 

Since then we hasve provided all they have asked and have yet to get any of the funds returned. We have even had to pay for the XXXX replacement out of pocket. XXXX we contact them they state they have what they need and it will be XXXX business days. We have been in communication with them for XXXX weeks staight now and were told the same thing as late as XX/XX/XXXX. Still we have not seen any of the funds and suspect they are simply prolonging the process to earn interest off of it. We have a whole in our roof and winter is setting in and it now looks like it will be XXXX earliest will be able to get repairs. 

On XX/XX/XXXX we spoke to a XXXX XXXX ( XXXX ). He apologized for the tardiness of the responses and stasted that he was going to get the full money funded to us since it barely met the criteria they usue to handle cases in such a manner. I resent him the XXXX proposals as requested ( replying to his email ) on XX/XX/XXXX only to have the emasil returned as no longer a valid email inbox. 

On XX/XX/XXXX I then called to speak to a XXXX XXXX ( XXXX ). She asked me to send the same documents that had been submitted to her and she would get with a XXXX and have them call me to finalize the situation. I have yet to receive a call back. 

On XX/XX/XXXX I called again only to reach another new person whom I had to stasrt the whole process over again. 

The mortgage company NewRez and/or the group that handles their loss draft claims XXXX XXXX XXXX not assign our claim to an individual or XXXX with a phone number to manage and instead seem to just give us the run around to not disburse our funds the inurance company provided for XXXX  months with no repairs executed.
Product: Credit card or prepaid card

My issue involves two incidents with my Chase AARP XXXX card. I have that I had been charged twice {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. When I contacted Chase in an attempt to resolve the issue I was told the conversation would be recorded. My response was that if Chase was recording the conversation I would be recording it too. Chase advise me that I was " not permitted to record and if I chose to they could not assist me ''. My response was that I did not want the conversation recorded if I could not record it too. After my requesting to speak with a supervisor I was told the conversation would not be recorded, my XXXX XXXX system indicated that Chase was recording. I spoke with the representative and ended up having to resolve the issue directly with XXXX XXXX XXXX. 

The second issue was on XX/XX/XXXX. I had stayed at the XXXX XXXX XXXX in XXXX and accidentally left an item. XXXX through XXXX found my item and agreed to ship it to me. XXXX had me go on line and complete the order, the time was XXXX XXXX Sun. XX/XX/XXXX. The charge was {$21.00}. Upon using my AARP Chase XXXX card the security code was rejected 3 times. I contacted XXXX and was advised to use another credit card. My other card went through immediately. I phoned Chase upon getting an email message at XXXX XXXX that a fraudulent charge may have been placed on my card. Again there was the issue of Chase insisting on recording the conversation and denying me permission to do the same. Chase told me the XXXX {$21.00} charge was pending on my account when I had a receipt that the charge was placed on one of my other credit cards. Chase sent an email at XXXX XXXX that my card had been cancelled and a new card would be issue upon my contacting them. This morning Monday, XX/XX/XXXX at XXXX XXXX I contacted Chase again had the recording conversation issue and was told the email was an error. I requested an email confirmation that my card was in good standing and have not received it. 

My main focus is that if Chase is recording the conversation I should have the right to do the same.
Product: Student loan

Date XX/XX/XXXX - sent request to federal student lender Date attended XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Loan is with Mohela XXXX - Acct # XXXX Loan Amount is {$15000.00}
Product: Debt collection

Sequium Asset Solutions placed an account for collections on my credit report for {$780.00}. I have never heard of this company. I was never notified of any accounts in collections. So, upon seeing the information, I contacted to company. The automated system stated I had an account balance of {$100.00} so I requested to speak with a representative. They were unable to locate an account using my name, telephone number or ever social security number. I spoke with 3 different representatives. Nothing! The last representative stated she was speaking with a supervisor and placed me on hold. I was on hold so long that my call went back into que and when it did, I was routed to XXXX XXXX Help Line. This company is a SCAM! I need there information removed from my report ASAP!
Product: Debt collection

I am writing to dispute the information that this agency has reported. The agency has failed to provide documentation proving that I am responsible for this debt. I am requesting to have this item removed from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax does not have about 50 % of my credit reported, I have contacted these tradelines and they DO report to EQ but EQ seems to refuse to post them and this is causing damage to my credit, I show 50 % less credit then I actually have and its leading to me being denied credit for a " Thin file '' or " not enough credit history '' at places that happen to pull Equifax!!! 

I have uploaded a copy of my XXXX report as well as my Equifax and you can see the difference aka missing items on the EQ vs XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Report. 

1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX )
Product: Student loan

I attended XXXX college but did not get to finish schooling there. The college was shut down due to fraud from XXXX colleges. I never finished school and i feel i was robbed of money that is effecting my credit severely. I live in a new state now and do not live at the same address obviously. I sent in papers to the XXXX XXXX XXXX XXXX XXXX and never got a response. I have no transcripts nothing at all left everything was lost in the move to a new state and have no idea how to get ahold of them. Thousands of students got their loans forgiven and i shouldnt have to pay mine back not even having a XXXX XXXX to show for my hard work at XXXX college. I need contact information so i can take care of these student loans.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights Un-authorized inquiries 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 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 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 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: Credit card

On XX/XX/XXXX I provided the company with an instrument of payment for the full and complete balance. With a certified tracking number with the USPS XXXX XXXX XXXX XXXX XXXX XXXX and a return receipt. The company ignored my negotiable instrument which in turn would be considered an acceptance. They then continued to send requests for payment until the time they decided to close the account on XX/XX/XXXX and then report the debt as a charge off on XX/XX/XXXX. 
Per UCC 3 3-603. TENDER OF PAYMENT. 
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

So as I see it this obligation to pay is DISCHARGED. But the company is reporting as a negative account to the bureaus, again as a charge off and per the IRS website Topic no. 431, Canceled debt is considered TAXABLE INCOME and must be reported as such to the IRS and NOT to the credit reporting bureaus. 

Income of a financial institution can not be reported on an individual 's credit report according to- 15 US Code 1681a. Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ). report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!