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

I have 17 open accounts with XXXX XXXX that were placed in forbearance as part of the Cares Act back in XXXX of XXXX. Over the course of the past two months my credit scores have plummeted ( in excess of 50 points ) as the information reported to the credit bureaus has been inaccurate - resulting in me no longer qualifying for a mortgage I was pursuing. I have made numerous calls to XXXX in an attempt to get this corrected. During one call I was advised it was a credit bureau issue and to file disputes with all three agencies, which I did and they're still under investigation. During another call I wasn't getting any resolution through the XXXX agent and requested a supervisor. The supervisor advised me of an option to submit a credit dispute directly through XXXX, which has to be done through the mail. During the most recent call with XXXX, the agent began laughing as I was asking a question relative to the latest information being reported by XXXX to the credit bureaus. Below, is a breakdown of the discrepancies from each credit report obtained from XXXX, XXXX, and Experian ( PDF also included showing examples ) : XX/XX/XXXX XXXX  - Account Status - Closed, Payment Status - Pays Account As Agreed, Comments - Payment Deferred, Payment History - No XXXX Payment History Reported XXXX  - Account Status - Open, Payment Status -Pays As Agreed, Payment History - No Payment History Reported for XXXX Experian XXXX Account Status - Open, Payment Status - Current, Was 180 Days Past Due, Comments - Payment Deferred & Account in Forbearance, Payment History - XXXX Payment History Reported XX/XX/XXXX XXXX  XXXX Account Status - Closed, Payment Status - Pays Account as Agreed, Comment - Payment Deferred, Payment History - No XXXX Payment History XXXX  XXXX Account Status - Closed, Payment Status -Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX Experian - Account Status - Closed, Payment Status - Current, Was 180 Days Past Due, Comment - Payment Deferred, Payment History - XXXX Payment History Reported XX/XX/XXXX XXXX  - Account Status - Closed, Payment History - Pays Account As Agreed, Comment - Payment Deferred, Payment History - No XXXX/ XXXX Payment History Reported Transunion - Account XXXX - Closed, Payment Status - Paid As Agreed, Comment - Payment Deferred, Payment History - No Payment History Reported for XXXX, XXXX or XXXX Experian - Account Status - Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported XX/XX/XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX XXXX  - Account Status XXXX Open, Payment Status - Pays As Agreed, Payment History - XXXX Payment History Reported, No Payment History For XXXX Experian - Account Status XXXX Open, Payment Status - Current- Was 180 Days Past Due, Payment History - XXXX and XXXX Payment History Reported
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested a copy of all 3 of my credit reports from XXXX XXXX XXXX. I reviewed my reports and Equifax did not have any inquires on my report. I recently have been trying to fix my reports and get a better understanding of them. I pulled my reports again each month after that and inquires reappeared on my account without Equifax contacting me. by law my legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. I Demanded that all of the inquiries be deleted for this reason and this reason alone be removed from my Equifax report. Today is XXXX and i have been disputing the same issue with them. I spoke spoke with the Rep and have is information is needed. I also have the CR that I pulled in XXXX and my current CR. thanks
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial tuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and the tracking these transactions was unfeasible the CFPB findings indicate that Zelle has not Only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

We reserved a hotel with booking.com. In XX/XX/XXXX at 2022, I flew with my family to XXXX. We stayed at the XXXX XXXX XXXX DOWNTOWN until XX/XX/2022. Our reservation was scheduled to end XX/XX/XXXX. Unfortunately, we couldn't stayed until the XXXX. We spoke with the hotel administrator and explained the situation. They said that they were only charge us for the days we stayed with no penalties and they were going to refund what was left in our account with the remainder of the days with 5 to 10 business days. This didn't happen and i contacted Chase and open a dispute. Chase said that the dispute went in favor of the other side. Immediately I informed them I was not agree with the resolution. They open another claim and today XX/XX/XXXX, they haven't resolved the problem.
Product: Debt collection

I have recently been using XXXX XXXX to monitor my credit in an attempt to repair and increase my credit score, and have diligently been working on it. When I created my account, I found 2 derogatory marks on it from the Collection Bureau of Fort Walton Beach and have tried to use the XXXX XXXX website to file a complaint with XXXX but they keep telling me that my information does n't match theirs. At no time did I receive any type of correspondence from the Collection Bureau regarding either of these charges. One is for XXXX XXXX XXXX for XXXX and entered XX/XX/XXXX and I have not used that clinic or any of it 's services for at least 10 years. I have no idea what this charge is for or when. The other I will do a separate complaint for, is for XXXX XXXX XXXX, dated XX/XX/XXXX in the amount of XXXX.
Product: Debt collection

I have had my Best Buy Visa card for years and years. I have never been late on a payment. In fact, because I get paid only once a month, I pay 3 weeks early! For some reason, last months payment ( {$30.00} ) did not apply to the account. I started receiving calls which I thought were spam because they did not leave messages. Then one morning as I am driving to work, it is Citibank. I told them I would have to call my bank. They agreed I was always on time and noted the account. However, they have continued to call everyday, at least 3 times a day and sometimes more ( calling both my cell and my work! ). It is 7 days a week. So in the last 7 days, they have calledXX/XX/XXXX ( XXXX, XXXX, XXXX  ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ;XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX( XXXX, XXXX, XXXX ) and started in this morning XX/XX/XXXX right at XXXX on the dot. This does NOT include the dates/times they have called my work phone. It is harassing and over {$30.00} which I am trying to track down since I made the payment through my bank. I have paid early for years and one misapplied payment has turned into harassment. This is beyond ridiculous and NOT OKAY. I ca n't imagine how they treat someone that actually has a true delinquency because this will be resolved shortly ( either the bank resends or they put money back in my account and I can forward payment on a second time ). Unbelievable and disrespectful.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : Account name : XXXX XXXX Account number : XXXXXXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute with Equifax and the dispute to more than 30 days so i submitted a 30 day non response they in turn sent me mail other than my disputed results which i have attached i think they are playing with me and i need this corrected asap my previous dispute case # XXXX XXXX
Product: Credit card

Bank of America Consumer Financial Protection Bureau Complaint On XX/XX/XXXX, I paid off my Bank of America credit card in full, bringing the balance to XXXX. This payment was made in accordance with the statement for the billing cycle of XX/XX/XXXX to XX/XX/XXXX, which was due by XX/XX/XXXX. 
However, I received a letter dated XX/XX/XXXX, stating that there was a past-due balance of {$53.00}. 
I called Bank of America on XX/XX/XXXX, and was informed that the charges consisted of the following : {$18.00} for interest on purchases {$31.00} for interest on balance transfers When I inquired further, Bank of America could not provide a valid explanation as to how interest accrued on a XXXX balance. Specifically : The last purchase made on this account was on XX/XX/XXXX. 
The last and only balance transfer occurred on XX/XX/XXXX. 
I am seeking a clear and valid explanation for how these charges were calculated and why interest was applied after the balance was paid in full. Without such clarification, I do not consider this a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home mortgage is reporting to the credit bureaus that my home was starting a foreclosure in XXXX of XXXX. When in fact It was paid off XX/XX/XXXX. The closing date for the buyer was XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I call each company that was an inquiry on my report I did not recognize. 

Each one could not verify. I call each creditor, XXXX, XXXX and XXXX XXXX. They told me that since the inquiry did not amount to anything that the company has to remove it. So i call each one again, and ask to verify, they could not verify and told me there's nothing they can do. 

My information is also leaked on the dark web, When I file bankruptcy I notice alot of pings on my credit report that someone was trying to apply for a loan using my information. My bankruptcy was discharged in XXXX. I notice alot more when I got my car and I applied for a credit card with XXXX. I called each credit bureaus and told them of the fraudulent inquiries and they told me that there is nothing they can do. At the time I had a fraud risk on my account. I have been battling this for almost 2 years now.

There should be only 4 inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i was paying cbe XXXX and i calledto pay less and they said no so stopped payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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

Hello CFPB, I have tried to contact American Express Serve a number of times to cancel an American Express Serve Card and have lost the card and don't have the PIN. I am unable to login or recover access to the online account and without the PIN the phone number automatically disconnects the phone line. Furthermore the corporate Amex line doesn't have access to the records of the Serve subsidiary and is unable or unwilling to help. I've also tried tweeting American Express. This has occurred from XX/XX/XXXX to XX/XX/XXXX. The account has a XXXX dollar balance and I simply want the account closed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report.

The fraudulent accounts and inquiries I request to be removed are as follows : XXXX. XXXX SELFREPORTED o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$250.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$00.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3100.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$55.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$230.00} INQUIRIES : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Debt collection

My co-payment at XXXX XXXX was {$50.00}. The collection company Americollect company keep posting the same {$50.00} repeatedly on my credit and my score keeps dropping. The same charge is on my credit 3 times. This is the same charge.
Product: Debt collection

Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes for the inquires on my reports and no one has updated me yet ..
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I requested a payment of {$2500.00} be made on my Regions Credit Card through a live agent on their call center. I used a debit card for checking account with XXXXXXXX XXXX XXXX. Regions agent said should show posted in two days. I called Regions on XX/XX/24 and payment was not there and was told it was pending. 
I called XXXX. on XX/XX/24 and was told my money ( payment of {$2500.00} ) had left my account on XX/XX/24. I called back to Regions on XX/XX/24 and payment was not made to account. Requested a supervisor, to no avail. Never received a call back from supervisor. My question is where is the money in question and where is it being held? Is my money illegally drawing interest for the profit of Regions? I request a chain of custody as to when payment left XXXX account and where is it located as of XX/XX/24.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I have been working to correct these errors for several years now and my papers are in storage as i am moving and as i tried to get an apartment is when my false credit scores has effected my life and liberty. the last date was XX/XX/2023 I have been and sent certified letters to XXXX, Equifax, and XXXX XXXX and the day that XXXX XXXX received my request they literally retaliated and sanked my credit score another XXXX points in one day although i had did no business or anything else that should have resulted in a move like that. I have been disputing and writing calling and doing everything in my power to correct these wrongs. The list is too long to put on paper but these companies has all of the documentation as i already had a free account with Equifax do to them breaching my data a couple years ago so all this information is in the files. I have a XXXX dollar debt from a credit card i disputed as well as XXXX XXXX  and several other credit cards that someone that was living in our house must have also took advantage of myself and my wife purse was stolen and her license social security card and all her credit cards was stolen separate incidents. I The companies keep saying that the information has been verified and correct and i say no you are wrong.
Product: Debt collection

We have been stressing to XXXX  XXXX our inability to afford this for over 2 years now. For over two years they have been uncooperative and ruined us financially and credit wise. We entered an agreement with them, but we had no clue what we were actually getting involved with. They purposefully withheld information from us during the presentation and the truths they did tell were watered down. Instead of doing their best to make amends with us and acknowledge our inability to make payments towards the XXXX, they sent us to collection agency ( Aspen Collections ). We are being harassed not by one, but two companies. We sent a cease and desist to Aspen to let them know we had no interest in communicating with them and to send our account back to XXXX XXXX so we could handle the cancellation of agreement, and they continued contacting us despite the cease and desist we sent. Aspen has attacked our credit, but we never agreed to work with them. Not only are they attacking our credit, but the balance is increasing with them! How can a balance increase with a company weve never worked with or signed an agreement with? Why would we discuss our account with Aspen Collections when they are unable to assist us with the dilemma were facing? Aspen is complicit in collecting funds from us to go towards a company that manipulates their members into agreements.
Product: Credit card or prepaid card

Greetings, I have had a Wells Fargo credit card since XX/XX/XXXX. I have never missed a payment. When I opened this account my interest was a little less than 15 %. Now it is 19.8 %!!!! 

I just found this out because my interest charge keeps going up even though I am paying the principle down and started making inquiries. 

During my last couple years in college, I did escalate the principle. In XX/XX/XXXX, I went to the XXXX, Colorado Wells Fargo bank seeking to refinance. I was told then that my interests rate on the card was around 15 %. Based on this I decided not to refinance. However, in my recent conversation with a Wells Fargo executive, they said my interest rates have always been nearly 20 % since XX/XX/XXXX!!!!! They claimed the bank in XXXX, must have looked a wrong information. That does not pass the smell test. I have no idea how long I have been being ripped off by Wells Fargo. 

I make two payments even month when I get paid, so I am always two weeks ahead of the due date, which is at the endow the month. However, their computer and data entry is not keeping up with my payment history, often showing I owe a payment even though I have already met my monthly obligation well in advance. 

Also, I used the card back in XX/XX/XXXX for {$700.00} for tires, but turned around and paid {$800.00} to the card, seven days later, but was still charged interest on the tires! 

I believe I have been outrageously overcharged in interest fees and how they are accruing my monthly averages. 

Please help. I am a working person - 7 days a week. I don't have money for an attorney.
Product: Debt collection

Received notification from XXXX XXXX XXXX  stating a collection account had been added to my consumer report... I attempted to reach out to the company that listed the erroneous and inaccurate account however was not able to get thru. I wrote company a letter however never received response. 

This is not my account! It is not even my name! I have had to dispute this exact same account twice already and it was removed however appears to be that it is being sold to different collection companies and listed over and over again! 

I demand that this be removed immediately.!
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started when XXXX XXXX hospital sent a collection on my behalf to XXXX XXXX XXXX in XX/XX/XXXX. I was unaware of the hospital bill and XXXX XXXX failed to get ahold of me via phone and address even though they took a copy of my drivers license and other information. Fast forward, I learned of this collection debt from XXXX and cooperated fully. I paid the amount off by XX/XX/XXXX. This was my first and only collection account since I started establishing credit in XXXX. I have never had a problem paying a bill on time ( which can be proven on my credit report ). 

It was agreed that if I were to pay a large lump sum of the collection sooner than later, the collection would fall off my report. This collection account continues to stain my credit almost 2 years later. I have already went through XXXX and they said the letter to Experian ( and XXXX ) should have sufficed but obviously it has not. I have also filed a dispute 3 times with Experian and once with XXXX ( XXXX does not show a collection account ). 

I should not have to wait 7 years for this account to fall off my report because the letter simply stated that it would be removed. This has been incredibly frustrating and such a slow process. Please remove this negative account from my credit so I can move forward.