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

I HAD A CREDIT CARD THAT I USED WITH NAVY FEDERAL CREDIT UNION. ALWAYS PAID ON TIME UNTIL I LOST MY JOB AND HAD TO HOLD OFF ON PAYING SOME BILLS IN ORDER TO SUPPORT MY FAMILY. THIS CREDIT CARD BEING ONE OF THEM. ONCE I GOT A JOB AND STARTED PAYING BILLS AGAIN AND GOT BACK TO THIS ACCOUNT, I CALLED IN TO NAVY FEDERAL CREDIT UNION TO PAY OFF THE REMAINING BALANCE ON THE CARD WHICH AT THAT POINT WAS 30+ DAYS LATE. SO THEY TOOK MY NEW BANK ACCOUNT INFORMATION TO PROCESS PAYMENT AND PROVIDED ME WITH AN EMAIL CONTAINING CONFIRMATION OF PAYMENT AND NEW REMAINING BALANCE OF {$0.00}. ALL THAT WAS DONE ON THURSDAY XX/XX/XXXX. A FEW DAYS LATER THEY STILL REPORTED THE PAYMENT NOW 60 DAYS LATE. I CONTACTED THEM AND SAID THAT THEY RECEIVED THE PAYMENT INFORMATION FROM ME ON THAT THURSDAY XX/XX/XXXX BUT THAT DUE TO THE PROCESSING TIMES THEY HAVE AND WEEKEND AHEAD THAT THEY DID NOT RECEIVE THE FUNDS UNTIL THE FOLLOWING TUESDAY THATS THE REASON WHY IT STILL SHOWED LATE. I DID SPEAK WITH A REPRESENTATIVE AND SAID THAT THEY WILL APPROVE TO REMOVE THAT LATE PAYMENT NOTICE BUT THAT IT WILL TAKE ME CALLING THE BUREAUS AND HAVE THEM CONTACT NAVY FEDERAL DIRECTLY. TODAY IS FRIDAY XX/XX/XXXX AND STILL NOTHING HAS BEEN RESOLVED.
Product: Credit card

Been consistently making payments to this credit card company called XXXX  XXXX who admitted on call which I have a recording of that they are an offshore company in the XXXX, ive been consistently making them payments that are XXXX  the amount of the minimum payment on most months and my balance is still completely maxed out. It hasnt gone down a dime. Its still at {$1500.00} and in the past year Ive made about {$1500.00} worth of payment to them and the amount hasnt gone down at all. Theyre just scamming me and then when I requested information from them generally related to the company all they told me was it was an offshore company in the XXXX  and they did not give me any other information and I am not paying them a dime anymore and I should not have it affect my credit. theyre scamming American people.
Product: Bank account or service

I made an electronic transfer of XXXX from my checking account to my credit card account, both at wells fargo. Wells fargo now says it will take 3 days for that to be credited to my caRD. dURING THAT TIME THEY HAVE MY MONEY AND CAN EARN INTEREZST ON IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX  XXXX. 
I paid off this account but its still showing that I owe a balance. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 reinvestigation 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX AUTO* Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX  CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

on XXXX a new charge on my PayPal account was summitted. I was unaware that a new account was open.in my name but different account number and e=mail address I got a letter in the mail from XXXX XXXX XXXX XXXX stating I own PayPal XXXX this is not my debt and contacted XXXX they inform me they would summit the information to PayPal for resolution and that I should summit a complaint to CFPB. if you need more information, please contact me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX
Product: Mortgage

PHH services my mortgage, and they are in charge of my escrow. They failed to pay my insurance by making XXXX stop payments on their checks to FEMA. I discovered I had no flood insurance as Hurricane Sally was heading into the XXXX XXXX XXXX. FEMA had canceled me. I had no choice since FEMA requires a XXXX hold to get flood through private flood since there was no waiting period, and now my payment has gone up over XXXX. This was not my fault and not in my control. I'm sending this information to the insurance board along with the governor and every Florida house representative. I should not be penalized for the complete negligence of my mortgage company.
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of certain information on my credit report and I have received a response. XXXX and XXXX both found inaccurate reporting on this account and deleted it from my credit report. However, I am not satisfied with the outcome of the Equifax reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item : Disputed Item : 1. Account Name : XXXX XXXX XXXX Credit Card Account Number : XXXX Reason for Dispute : Payment history does not make sense. Also, each month the account is reporting as charged off which extends the statues of limitations. The report states charged off, but also shows a balance. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute in regards to incorrect items on my credit report, It has been well over 30 days and i haven't received any investigation results.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

negative accounts XXXX ( XXXX ) listed on my credit report that is negatively effected my credit score. I demand the account to be removed from my report due to statute of limitations. According to the FCRA, accounts passed statute of limitations must be removed from report.
Product: Checking or savings account

Citizens bank by far is the worst. 

I filed a complaint to CFPB before for being unable to reach their customer service due to always busy phone line. Eventually, the bank got back to me after I filed a complaint. In the call, I emphasized that I wanted to close all my accounts with them. However, after several months, I received an email from them saying they will start charging maintenance fees. I logged into my online banking account, and realized that they didn't close my saving account. I couldn't do it without calling their customer service again. 

I highly suspect this bank deliberately makes it difficult for customer to contact them. By now, their online chat is still unavailable. By all means, they try to charge fees. There are bad reviews of this bank all over internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments with XXXX that is reporting on my credit report, XX/XX/2020 and XXXX 2020. 

These payments were made late due to me contracting XXXX-XXXX  and being hospitalized and out of work for almost 2 months. 

I tried to dispute this information on Equifax site but the site has been down for hours. 

I am an XXXX and my position requires me to not have consecutive lates with a single creditor. I am also applying for a mortgage refinance and these lates will affect the rates I am given.
Product: Mortgage

This is regarding Rocket Mortgage. 

I recently had only been paying my principal, interest, and homeowner 's insurance. As of last week I received a letter that RM would charge me monthly taxes in escrow until I could provide a bill " through XX/XX/XXXX '' - the Tax Office confirmed that they can not provide this bill now as its in future state and won't have one available until XX/XX/XXXX. 

However, I did provide a current statement showing where I owed XXXX taxes for XXXX, reflecting the XXXXXXXX XXXX XXXX  status listed on the bill, along with a letter from the Tax Appraisal office ( attached ). 

At this point Rocket Mortgage is proceeding with raising my mortgage from XXXX per month to XXXX per month rejecting the letter from my Tax Appraisal District and Tax Office Statements. This will place me in a financial bind obviously. I've done my due diligence in calling both Tax Office, Appraisal Office, as well as escalating with Rocket Mortgage. 

The only exit I have currently is paying up my balance with Rocket Mortgage to a XXXX, and then there is still no garauntee that I can lift RM from escrowing my taxes and allowing me to manage myself. 

What options do I have?
Product: Debt collection

A collection debt is reported on my credit report. This is not my account. I didnt receive any information about this debt. This debt has been reported to my credit report. I would like this debt removed ASAP because it is not mine. I have never done business with this company and I dont where or what this debt is about. I havent given my personal information to this company or any other company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it mar concern, I was going over my credit file and found some items that are incorrect and never verified. FCRA 623, 609 violation. I request the following unknown address be removed from my file : XXXX XXXX XXXX XXXX, OH XXXX. 
The following accounts are not METRO 2 complainant Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX XXXX XXXX  to a {$0.00} balanceXXXX XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXX they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8600.00}
Product: Payday loan, title loan, or personal loan

On XXXX we were given a payoff amount that according to the lender was good through XXXX. On XXXX a cashiers check for the full payoff amount was overnighted to the payoff address. On XXXX the cashiers check was delivered, with signature confirmation on the delivery. As of today XXXX the lender has still not cashed this payment and refuses to acknowledge that it was received, even though we have signed proof of receipt. They state they record their phone calls but when they are told we are also recording the call they hang up. They are asking for a payment and will not investigate where our payoff went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an old account that should be deleted according to New York State law. 
25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX # XXXX .... has been paid and closed since XX/XX/XXXX. It's XX/XX/XXXX and that makes it 6 years, Equifax continues to report this account. Please delete this account and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy XXXX times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed from my credit report!
Product: Credit reporting or other personal consumer reports

Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Debt collection

This company called Credit Management calls me repeatedly, at least 6 times a day. They refuse to tell me who they are or what they want other than a business matter. I have never heard of this company and have never done business with them. I also have never received any correspondence from them other than the phone calls. The first call this morning was before XXXX XXXX. The first few time man they called I tried to ask questions and was told until I verified my name and social they wouldnt answer anything, and they have cussed me and hung up at least twice when I ask questions. I have told them repeatedly that I have no business with them and to stop calling. I want this handled.