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

XXXX credit report shows unknown hard inquiry from Capital One/XXXX XXXX XXXX. I have never in my life been to a XXXX XXXX XXXX. XXXX refused to help and told me to contact Capital One. Capital One refused to help and transferred me back to XXXX. Now both are saying it is the other 's problem.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against NCA for Harassment and Illegal Debt Collection Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against NCA, a debt collection company, for engaging in harassment and illegal collection activities regarding a debt that I do not owe. Despite multiple attempts to rectify this matter, NCA continues to harass me and has refused to remove the erroneous information from my credit report. 

Below are the details of my complaint : Debt Collection Company : NCA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Summary of Complaint : Harassment : NCA has been incessantly contacting me through various means, including phone calls and letters, despite my repeated requests for them to cease all communication. I was even inappropriately served a lawsuit at my place of work as an intimidation tactic. Their aggressive tactics have caused significant distress and XXXX 

Illegal Collection Practices : NCA has been attempting to collect a debt that I do not owe. I have thoroughly reviewed my financial records, and there is no evidence of any outstanding debt associated with NCA or any entity they represent. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of deceptive or abusive practices in debt collection. 

Erroneous Credit Reporting : Despite my diligent efforts to dispute the debt with XXXX, NCA continues to report the alleged debt on my credit report. This false information has severely impacted my creditworthiness and has hindered my ability to obtain credit or secure favorable interest rates. Moreover, upon conducting further research, I discovered that NCA is not even listed as an active business entity. 

I kindly request that you thoroughly investigate this matter and take appropriate actions against NCA for their unlawful activities. I also urge you to ensure the removal of this fraudulent debt from my credit report to restore my financial integrity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please keep me informed of any progress or actions taken regarding my complaint. Thank you for your dedication to protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Credit card

0 % charges are being satisfied prior to interest bearing charges as a priority over interest bearing charges out of the minimum payment paid and anything over the minimum payment is being applied toward interest bearing charges. In addition for every installment purchase at apple suppose to be interest bearing become interest bearing each month beyond month # 1 instead of seeing 12 months interest or 24 month interest bearing the consumer is being subjected to a reduced installment balance while the interest bearing balance is not being reduced with the payments made on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or agree to XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have worked at XXXX in XXXX via XXXX-XXXX XXXX  and received two checks for my wages for the first two weeks of XXXX then i deposited them to my bank account through the bank app. One day after i deposited the checks the bank ( BANK OF AMERICA ) closed my account and seized my checks without informing me or refunding me. I called their customer service number and asked them the reason, they told me the checks were forged. Then i contacted XXXX-XXXX XXXX and informed them about the checks they gave me. They said there was nothing wrong with their checks. Now bank of American besides closing my account but also do not refund me. I also went Bank of America at this address : XXXX XXXX XXXX, XXXX, TX XXXX, the manager looked at checks and said there was nothing wrong with them so i could cash them anywhere, then i cashed them XXXX, XXXX  also called me the next day and asked me to return the cash. I really need your help, please please please help me get my money back from Bank of America.

Thank you
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously, as it is not sent in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has been causing me significant stress and anxiety. Additionally, I have noticed that my personal information on the report is incorrect, which seems to be contributing to the appearance of these unknown and inaccurate accounts.
Product: Credit reporting or other personal consumer reports

Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX and XXXX ) XX/XX/2024 XXXX XXXX. I have attached the FTC fraud report for the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXXDEPT OF ED XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Citibank to report on my XXXX file for almost a year now as they did before a dispute was recorded. Every month I get a letter from them that they are now reporting to XXXX and give it 30 days to appear. It never does. XXXX said the need to call the XXXX XXXX help line to get this to report correctly again. Citi Executive Mastercard.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX  XXXX. 

Upon information and belief, XXXX XXXX XXXXXXXX received notification of my credit bureau disputeXXXX XXXX XXXX XXXXXXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXXXXXX Account. 

Upon information and belief, XXXX XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXXXXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXXXXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXXXXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX XXXX rather than grant XXXX  to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXXXXXX XXXX Accounts to third parties.
Product: Mortgage

I filed complaint XXXX against XXXX XXXX XXXXXXXX attorney of fact XXXX XXXX XXXX, VP YOU ANSWER : THIS DON'T BELONG TO US. ARE INCOMPLETE, YOU SIGNATURE FROM YOUR COMPANY NAME AND VP ARE ATTACHED TO TWO PURCHASE AGREEMENTS DATED XX/XX/2009 FOR XXXX XXXX AT XXXX XXXX XXXX XXXX, MI XXXX, ONE WITH HUD AND ONE WITH XXXX  XXXX. FOR XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WERE YOU INVOLVED WITH THESE TRANSACTIONS?
Product: Credit card or prepaid card

My credit card company Capital One is not resolving a dispute I have with a merchant. In XXXX of 2019 I made a reservation with a company called XXXX XXXX XXXX to stay at the XXXX XXXX XXXX XXXX for XXXX XXXX. The company charged my capital one credit card {$490.00}. In XXXX of 2019 XXXX XXXX XXXX emailed me and stated that their company is closing and that I needed to contact my credit card company for a refund. The company could not be reached. I reached out directly to the XXXX XXXX XXXX XXXX who confirmed that the reservation had in fact been canceled and they did not receive payment for the room from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX reserved a room on a NEW reservation and I payed the XXXX XXXX XXXX XXXX   DIRECTLY for a stay at their hotel on XXXX XXXX. In XX/XX/2019 I submitted a dispute on the transaction from XXXX XXXX XXXX with Capital One. Capital One received my complaint and assured me that the case was very simple and that they would contact me if they needed further information. I received a letter in the mail from Capital one around XXXX stating that Capital One had not heard from the merchant and they considered the dispute closed. On XX/XX/XXXX I checked my capital one credit card and saw that the company had reversed the transaction of refunding my {$490.00}. I called Capital One to inquire and they stated that XXXX XXXX XXXX had provided the receipt from the transaction where I was originally charged claiming that was proof that I had stayed in the hotel. After being provided the information to Capital One to send them my documentation proof ( which they had refused in the past to provide me stating they did not need my documentation ) I sent all of my documentation- including statements from the XXXX XXXX XXXX XXXX of the cancellation from XXXX XXXX XXXX, my rebooking confirmation, the statements FROM CAPITAL ONE showing that I had been charged by both Hotels for Everyone and the XXXX XXXX XXXX XXXX for the exact same stay from XXXX XXXX, 2019 and several other pieces of proof making it very obvious that this company defrauded me. Capital One has now had this documentation since XX/XX/XXXX and I have called them repeatedly asking about the status of the dispute. I have constantly been told that " the back office is working on it '' and was assured that there would be some status as to my dispute by XX/XX/XXXX ( obviously not ). The company will not remove the transaction from my credit card and it is currently accruing interest. This is a very clear cut case of a company defrauding their customer. Capital One needs to remove this transaction from my credit card in accordance with the Fair Credit Reporting Act. I am happy to provide all the documentation I provided them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 reporting, credit repair services, or other personal consumer reports

This is my XXXX time disputing accounts that are fraudulent. I am not an attorney or third party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize : -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 reporting or other personal consumer reports

This account was charged off on the following date XXXXXXXX XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I tried to access my security freeze with check systems. Their online system refuses to accept the pin that they sent me by US mail letter dated XX/XX/XXXX. They're requiring an undue delay by not giving me a replacement PIN immediately and forcing me to wait on the US mail. I can not open an account with a new creditor because of this delay. And I may have to spend even more money and reapply to this creditor all over again because of this undue delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency reporting to my XXXX report : Professional Finance Co reported om XX/XX/2022 the amount of {$140.00} This is a fraudulent account reporting to my XXXX report
Product: Checking or savings account

XXXX WELLS FARGO LIED. Wells Fargo closed my account, depriving me of my livelihood and creating a stressful situation for our family. On XX/XX/XXXX, we provided the information required to update our bank account. I attached an email showing that papers were received for the second time on XX/XX/XXXX. 
WELLS FARGO lied. They restricted my accounts due to professional incompetence. They received the documentation required to verify compliance with US sanctions, laws, and regulations. I see complicity and disrespect here. XXXX  needs to know. We are definitely being mistreated. The CFPB did not see my attached email, which confirmed that I sent the papers. I am attaching it again.
Product: Mortgage

Ten years ago I took out an equity line on my house with TD Bank. It was a no doc interest only loan. I have never been late with a payment to TD or to XXXX which holds my mortgage. In XXXX I decided I need to do a refi because it made no sense to continue paying interest only. My mortgage broker looked at my credit and said that I had really good credit with the exception of being in foreclosure with TD. Unbeknownst to me my loan had ballooned in XXXX. I called TD to find out what was going on and why I had never been contacted. I was told that they had sent one certified letter to an old address that was of course never signed for, they had never attempted to call me, and even had my social security number wrong on some of my documents. I was very upset and let the rep at TD know that they had ruined my credit making it impossible for me to get my home refied, and that I was sure that TD was not in the business of owning homes and that we needed to make the situation right. The rep then informed me that they had done research on my home and that they would actually stand to benefit from taking my home and selling at auction because of all the equity that I have. I then tried to get a loan modification which was turned down. I feel that TD has been predatory and aggressive and had no interest in trying to work with me. The made XXXX effort to contact me and I would not have found out about the foreclosure until the sheriff served papers. Because the loan payments were on automatic withdrawel from my account and a small amount I never noticed that they bank had stopped taking payments. I need help and very much do n't want to lose the home that I have worked so hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, XXXX and XXXX both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. Experian does show it properly as my mortgage payment?
Product: Credit reporting or other personal consumer reports

I have repeatedly and diligently tried to correct inaccuracies in my credit report. Regardless, Experian refused to remove the account status as closed. This debt has changed hands several times : from XXXX XXXX XXXX to XXXX XXXX, XXXX, and now to XXXX XXXX XXXX XXXX XXXX XXXX 

To handle the situation formally, I filed a complaint with the Consumer Financial Protection Bureau. Both collectors marked the case closed after my complaint, and neither of them did anything more regarding that issue. However, Experian continued to maintain this bad listing on my report. It is to be recalled that the FCRA bestowed certain rights upon the consumers ; one such right is that when a debt is sold, the original creditor ceases to own or have any valid claim to such debt. It is in this regard that the account by XXXX XXXX XXXX shall be deemed invalid and removed from my credit report. 

Aside from the fact that this condition is weakening my financial status, it has also brought about a very valid and serious question of compliance with federal regulations that are put in place to protect consumers against such discrepancies. That this has not been addressed by Experian so far is a source of personal frustration.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down considerably on this account from XXXX XXXX XXXX, XXXX, Transunion, and XXXX  are reporting incorrect information. The balance is now XXXX and it should reflect that.
Product: Student loan

All of my Student loans have been charged off and updated as paid to a balance of XXXX. But it is still on my credit
Product: Credit reporting or other personal consumer reports

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXXXXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In 2023, Mohela and I agreed on a repayment plan for my student loans. I have the paper work with the stated repayment plan from Mohela. Recently, Mohela transferred platforms and increased my payments by {$100.00}. This goes against the agreed upon repayment plan and there was no warning or correspondence from Mohela about the increase. I called to see why this happened and why they are not following our agreed upon payment plan. I could not get an answer from their customer service. I can not afford this increase and I am frustrated that Mohela was unable to look at their own original paperwork to see that they made a mistake when transferring the loan to the new platform. They are taking advantage of good customers. My loans are in good standings and I always pay on time. I am now worried about my financial future due to this error that they can not seem to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account in full months ago. I requested a paid in full later and for my credit report to be updated. Nothing has been done as yet about this matter.