23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The account was charged off of with XXXX XXXX  in XX/XX/XXXX. I had been working with a debt consolidation company, XXXX XXXX XXXX, to settle the account. XXXX XXXX claims that they had contacted XXXX XXXX XXXX multiple time to workout a settlement agreement and received no response. I am no longer working with XXXX XXXX XXXX and they are currently under investigation.

Upon contacting XXXX XXXX on XX/XX/XXXX, I was informed that after the charge off date daily interest was still accruing. I was also told that when the loan was originally taken out the amount was {$5400.00}. The representative told me a total of {$870.00} had been paid on the loan. XXXX XXXX   told me they charged off the account for {$7400.00}. Currently the balance on the loan is {$16000.00}. Therefore, since the last payment on the account, they told me I had been charged {$12000.00} in interest.

In addition, after review of my credit report it shows the charge off balance as {$5300.00}. The last balance on the account was {$2000.00}. The credit report also shows that the account was charged off inXX/XX/XXXX. At this time I feel that the company is defrauding me of thousands of dollars.
Product: Vehicle loan or lease

A vehicle loan with Bank of the West that was charged off is reflecting negatively on my credit report. I have filed XXXX disputes regarding the information that is being reported under my name as it is not accurate however, the disputes are closed out and updated by the creditor adding more to the amount owed each time which in turn has continued to lower my otherwise good credit score. I have spoken with Bank of the West prior to the charge off occurring which was back in XXXX and again in XXXX at which time they were informed of the changes with the account along with the court order for the account holder to remain the only responsible party and for my name to be removed as I should no longer be legally responsible for this account. The court order was finalized XX/XX/XXXX. Since XXXX, there was a court order of protection in place preventing any form of communication between the account holder and myself and we received our final court order XX/XX/XXXX at which time the judge determined XXXX XXXX to be financially responsible for this account. I have communicated this information with Bank of the West with no avail. The last dispute I had submitted was closed out after information was updated inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX-Balance : {$8.00}
Product: Bank account or service

Wells Fargo Bank offered a {$250.00} bonus to those who open a checking account with them and make 10 debits on it within 60 days. Three members of my family took advantage of that offer and the other two have successfully completed the debits and received their bonuses, but they singled me out for different treatment and froze my account without telling me. My debit card never worked and they told me I needed a new one but that one did n't work either. No one told me the real reason, and the 60 days is rapidly passing without my being able to fulfill my debits. Every time I ask what the problem is, I get a different answer, and every time I satisfy their queries, they come up with a new roadblock. I asked for my original deposit back if they would n't let me make debits on it, and they refused because they have frozen it. I have health problems and am depleted from dealing with this, with still no resolution. I have gone into the local branch three times and spent a great deal of time on the phone with them, as well as their HQ, including their fraud department. So far I am still being treated very differently than my other family members, who did exactly the same thing in exactly the same way. They keep making new requirements of me, that were not required of others, and when I meet their requirements they make new ones. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I have tried on multiple occasions to have my Zelle Account XXXX deleted. The first time I called was XX/XX/21 and requested my account profile be deleted. I was told it was deleted only to find out it was not deleted but was inactivated instead which allowed the information to remain in their database and the account to be reactivated. I called again to follow up XX/XX/21 and was told it would take 45 days to complete my request and they would deactivate my account. 

I am writing this complaint because Zelle is telling me they can not validate my account due to the address on file not matching what I provided them when the account was initially set up. I dont see how that could be a possibility when I set the account up and clearly know my own address. 

Im frustrated because I have read that using Zelle and other applications like it leaves a person vulnerable to potential fraud if the account was hacked. I am trying to get ahead of any possible issues relating to that happening to me especially since my credit union and or bank would not restore any funds that were stolen. 

Please advice and compel Zelle to DELETE my account from their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Checking or savings account

On XX/XX/XXXX - I noticed 211 fraudulent checks had been withdrawn from my acct. the checks are not my checks ( they have a different maker and signature ). The total of these 211 checks is {$12000.00} and suntrust has done nothing to resolve this error. The investigator has never even called me to speak about the case- the fraud case number w suntrust/truist bank is XXXX. I have contacted the fraud office on XXXX original report of incident - XX/XX/XXXX went to local branch to find help - no call back XX/XX/XXXX called fraud unit - no response - filed complaint w bank XX/XX/XXXX called fraud unit - no response - filed complaint w bank XX/XX/XXXX - received a call from XXXX XXXX in reference to my complaint- told me she had 15 days to look into complaint. 
Well it has been 2 months since my funds were stolen out of my account and not one word from Truist/suntrust bank //. The sad thing is I have been a customer of the bank since XXXX when I opened my business.
Product: Credit card or prepaid card

Cfpb : went to use walmart mc charge card and card was blocked and declined after being cleared for purchases? 

card was destoryed.
Product: Student loan

Navient failed to notify me of my student loans going active when i was between semesters in school. i wrote them a certified letter that they received on XXXX XXXX 2017 and never received a response. i called them on XXXX XXXX 2017 to have the late payments removed due to their failure to respond and they lied to me saying they did and they were not going to change the reporting. after arguing and getting nowhere i hung up. then instantly after hanging up the phone i log on to navient and have a messge dated for XXXX XXXX. with a letter back dated to the XXXX. either way they never did it in the 30 day period they had, continued to live to me, and didnt make the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

Please delete these inquiries. I am not aware of them, and the company processed them without my permission.
Product: Mortgage

I have already filed one complaint with you, you said you heard from the lender and it usually takes 60 days to get resolved so I waited and logged in approx. 40 days later to see status and you had closed account. you received misleading and wrong information from the lender as I keep doing now. the lender has caused a hardship in ruining my credit with wrongful reporting but caused a hardship to the buyers as well they aren't able to do any on their home because of this lien. it all started in XX/XX/XXXX shortly my husband had passed I tried to resume which I did on time payments for a long time but started struggle as loan fully indexed to principal and interest payments and the heloc also went up. I asked the lender multiple times both in writing and verbally to drop my impound account this would have made the pmt more manageable however they didn't so I was forced to sell the home. in XXXX I knew we were selling the home so I told Ditech to credit my impound account to the XXXX payment they did not in late sept. early XXXX they sent a pay off demand to escrow ( they had plenty of time to add the XXXX interest ) but for some reason they didn't. escrow paid them off short the XXXX payment I spent the next months when notified asking them to release the impound account they never did again in writing and verbally. I received threats and payment request in excess of XXXX they change weekly not knowing the amount to ever send in by the way the payment was only XXXX short. Once I notified you guys they did send me a letter and spoke with a supervisor who gave me a pay off until XX/XX/XXXX and told me to wait and send in after I send impound account letter to them via fax I did that they received but never sent me new letter. they sent you the same pay off but prior to the XX/XX/XXXX I received a letter certified dated XX/XX/XXXX asking for XXXX + again. now it appears they took my impound account paid the new buyer taxes for them last month go figure now they owe me my impound account back and I owe them nothing for this stress. please review and take time each letter received and see the contradictorily dates have them reconvey the mortgage at once like they should have in the beginning for the buyers have them do their due diligence which is correct and legal and please shut them down they are preying on the elderly and the misinformed. the 3rd attachment has multiple letters attached please read in its entire and see how they conflict on and contradict each other the last few are fax confirmations that they received the impound request and note they made acknowledgment to you that they acknowledged we asked them to credit the impounds to XXXX payment they even tell you they received directions and acknowledged that in the their repose complaint to you under file complaint attached.
Product: Mortgage

SPS Servicing has been awful. I had my loan transferred to them and they have not applied payments to my account and consistently raise payments and increase escrow as well as homeowners insurance. They even deducted more money in one check I wrote electronically. They also are not applying my payments when I have deposited checks shown!
Product: Debt collection

The company sent my debt to dobberstien law office who didn't send a debt verification letter
Product: Credit reporting or other personal consumer reports

There are 2 new hard credit inquiries posted on my report just this month claiming to be from XX/XX/year>. They are titled " XXXX XXXX '' and " XXXX XXXX  ''. Both of these say " No contact information has been reported by this creditor. ''
Product: Bank account or service

I opened a new citigold checking account around XXXX XXXX of 2016 using a promotion code XXXX upon which I was to receive XXXX XXXX XXXX rewards points upon completing certain requirements. I received confirmation twice that I was successfully enrolled in the promotion and after completing all the requirements I received confirmation from a XXXX XXXX dated XXXX/XXXX/2016 at citibank confirming not only was I enrolled in the promotion but also that I had completed successfully every requirement to obtain the bonus miles. I was told they should post by statement close XXXX/XXXX/2016. When they had not posted by XXXX/XXXX/2016 I emailed customer service following up on the matter and to my dismay they contradicted all prior information stating I was not eligible for this promotion ( even though they gladly accepted my money and confirmed that I was enrolled in the promotion and had completed all requirements ). This is unfair practice and I would like the bonus miles that I was confirmed I qualified for, especially considering the fact that they have now taken {$90.00} in monthly service fees out of my account. Please help me get Citibank to stand up and honor their word. They should be required to honor all promotions that they allow consumers to sign up for and participate in.
Product: Credit reporting or other personal consumer reports

In my previous complaint Experian fails to comply with the FCRA in correcting and reporting accurate information This account was paid on XX/XX/18. 
This information was disputed and updated by XXXX XXXX XXXX but experian does not want to do the right thing. 

112 Claims inaccurate information Bank statement attached to prove payment was made XXXX XXXX  is not my name please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the late payments on my credit report and they still have not removed them.
Product: Vehicle loan or lease

I make additional payments each month and U.S. Bank has refused to apply the extra money correctly. I have asked them 3 times to correct this situation and they have refused.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I received an alert for 30 day Late payment XX/XX/2019. Payment was made and not 30 days late. This was reported inaccurately by Capital One.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are reporting this account as open ; XXXX XXXX account number XXXX. 

According to the company, there is no account on file. This is inaccurate information and must be deleted per 15 USC 1681b ( 2 ) and 15 USC 1692.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting by XXXX Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a re-submission of a complaint I made over 30 days to TransUnion via this complaint process ( XXXX ). TransUnion has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate TransUnion to correct the problem. 

Since XX/XX/XXXX, I have written three certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the CPW account on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the 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 reseller. The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect date of last activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$22000.00}
Product: Credit card or prepaid card

Comenity Bank handles XXXX XXXX XXXX credit card accounts and payments, There is a mistake on my XXXX XXXX statement ... XXXX amount I owe is incorrect. 
The XXXX statement with payment due XX/XX/2022 showed a balance of {$720.00} but I bought items that totaled {$220.00} on XX/XX/2022 increasing my balance to {$940.00}. On XX/XX/2022, I paid the entire balance which was {$940.00} ( instead of what I meant to pay which was {$100.00}. I called and asked for a refund of {$840.00} leaving XXXX XXXX with {$100.00} and my balance at {$840.00}. But it is not. 
On my XXXX statement where payment was due on XX/XX/2022, I have a balance of {$1800.00} because on XX/XX/2022 you gave me a payment adjustment of {$940.00} and then on XX/XX/200 you gave me a credit balance refund of {$840.00} which was unnecessary and incorrect. The {$940.00} payment adjustment is an error and should be removed because I did not receive a payment of {$940.00} in my Bank XXXX XXXX account -- I only received {$840.00} in my Bank XXXX XXXX account. 
My balance should be {$840.00} ( {$940.00} minus {$100.00} ) However, the {$100.00} payment is not reflected on the XXXX bill where payment was due on XX/XX/2022. My bank, Bank XXXX XXXX issued, me an {$840.00} from you. They clearly understand what happened, which was refund back to me all but {$100.00}. XXXX Bank XXXX XXXX statement does not show an additional {$940.00} refund from XXXX XXXX -- so my XXXX XXXX card statement should not either. 
You have to adjust my statement because you have an adjusted my payment of {$940.00} ( which was a refund ) and then charged me {$840.00} for refund againwhy do you have XXXX refunds/payment on my account? Your mistake is messing up my XXXX XXXX as outstanding balances affect your score. Moreover, I am being charged for interest an incorrect amount- {$1800.00}. 
I will attach my last XXXX XXXX bills for XXXX, XXXX and XX/XX/2022 and XXXX Bank XXXX XXXX statement for XX/XX/2022. How did my balance go from {$720.00} to {$1800.00} with only {$220.00} worth of purchases? It did not, you made a mistake by charging me twice for only XXXX refund!!!! My XXXX XXXX XXXX statement still has the incorrect balance owed.