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

EQUIFAX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. EQUIFAX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE TWO ACCOUNTS STILL OPEN ON MY XXXX   CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info EQUIFAX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE S DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY CREDIT SCORE
Product: Credit reporting, credit repair services, or other personal consumer reports

The very same day I send a complaint to cfpb my score with equifax drops significantly! No explanation no alerts even though I do have a membership. How on earth does it make sense just so happen the same day my scores drops 69 points while all my other scores are rising. How is there a 123!!!!! Point difference in my other two scores. Please make it make sense Im so tired. Ive been barreling these mistakes from my past for years waiting, paying, crying. Nothing helps because of things like this. Is it even possible to recover Ive searched high and low on how to fix things I have 1 % credit card ratio, on time payments on 17 accounts continually reporting. Paid installment loans like where does it give where where where?
Product: Credit card or prepaid card

We have a XXXX interest portion of our account and an interest bearing. We made extra payments towards our interest bearing portion and they were applied to our XXXX APR balance. Chase doesnt apply them to current balance on purchases of the card.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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. 16815-2 ( AN1 ) 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: Bank account or service

I am filing this complaint because I was in a accident while I was atleast XXXX XXXX or XXXX years old. Which a lawsuit was won against New York XXXX XXXX XXXX to be held in a ( CD ) Certificate of deposit account. Which this account was to be guarded by the New York Community bank upon the age I reach XXXX for {$8300.00} dollars that should have matured several times and also accumulated interest and I demand all the matured funds and at the highest amount of interest should be placed back in this account upon me recieving my funds. Well I turned XXXX and it was time to go and retrieve the money that is rightfully mines so I went about getting all of my legal documents to retrieve the money from the bank. I live with my Uncle who assists me with this matter and I give him all legal permission to communicate with all parties involved. Which who I took the trip with to Queens County Savings Bank to retrieve the money which was awarded to me. Now upon the arrival of me reaching the bank and speaking with a Financial Service Associate XXXX XXXX and XXXX XXXX the bank manager of the bank which informed us that the money was put in a Abandoned Property Account in 2011. Now according to the stipulations of the court official order which was handed down by the Judge who handled my case. I have been following and going by the right actions to get this matter handled as quickly as possible because for the simple fact I should not be punished from retrieving this money that is rightfully mines for this banks XXXX mistake while breaking the law and i am truly fed up with this matter. They are also very unprofessional at New York Community bank for not returning phone calls and was put on hold for no-one to return to the phone. I was also informed to call XXXX XXXX from the Abandoned Property Division of New York Community Bank which also never answered my phone calls and never returned my phone calls either. Just take note that I will also be filing a complaint to the Better Business Bureau and I also demand that this matter be resolved as soon as possible.
Product: Mortgage

My mortgage company is Loancare LLC out of XXXX, VA. They received my payment on XX/XX/2017 but returned it for insufficient funds. I know for 1000 % that the money was in my account and the bank never charged me an overdraft fee which would have happened if the check was truly returned. I 've emailed them but I 'm not expecting a response due to their track record online. SHUT this company down. How many bad reviews do they have to receive before someone will do something? I am literally 2 months into my very first mortgage and already having issues with them.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have items on my consumer report that are a result of identity theft and not made by a transaction related to me. I never gave written consent for the following companies to furnish this information on my report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get LOANCARE to add escrow to my loan payment monthly. They asked me for numerous documents ( homeowner 's insurance and tax statements ) which have all been provided. It has been over two months and no one has contacted me to let me know when this will be done. I have placed many calls ( put on hold for over 15 minutes before I hung up three times and keep telling it will be done and then when I call back, they say the same thing ) and can provide documentation. It seems they have many different departments and none of them interact with one another. It has been an awful experience since my loan was bought from XXXX. I never had one problem with them. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by capital one bank on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for XXXX XXXX XX/XX/XXXX XX/XX/XXXX and lastly XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/2022 we did not adjust our payment to reflect the new escrow amount. I was setup on autopay through XXXX. I caught it in XXXX and called Lakeview Loan ServicingXXXX XXXX They stated that we missed the payment completely and gave me an email address to send my concerns to. I did that and they said that the payment was put into suspense and I owed {$230.00} to get it current and they would release the suspense payment. I made that payment on XX/XX/XXXX. They still say I am one month behind, but I am not. I think I still owe them {$500.00}. I have had repeated conversations with them and lots of email correspondence. I have provided all my bank statements showing that I paid every month all the way back to XX/XX/2022. Our credit is getting hit negatively every month due to this issue and I can't seem to get someone to help me. My credit score has gone down XXXX points to to their inability to resolve this issue. Please help me!
Product: Credit card

I was preapproved for a XXXX XXXX credit card after 3 months of rejections. I finally was able to get pre approved on their website while scrolling and I accepted the reapproval and I was approved for {$300.00} limit on XX/XX/year> | received my card on XX/XX/year> and was excited to finally make a change. 
I've had them 8 years and messed up when I was XXXX, I am now XXXX and want to start fresh. I received a letter today XX/XX/year> DATED for XX/XX/year> stating they were closing my account for " past negative experiences '' which sucks because I always wanted a chance to redeem myself with them. I've been approved for other stores cards so this was very heartbreaking and misleading. Customer reps can not help, they told me to send a letter to the billing dispute and credit bureau dispute department. I hope my letter reaches them but why approve me and send me my card if you were close the account?? It's like trying giving candy to a child and say oh nope! You can't have that like you can't play with peoples emotions and credit like this! I want there to be a way to reopen my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} : XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXXXXXX Filed a complaint with XXXX requesting an investigation on several accounts. XXXX never sent information to prove the debt nor removed.
Product: Vehicle loan or lease

For the 3rd time since having this car the loan company has taken full payment for the month the loan company then cuts the car off manually so that Im not able to go to work nor take my children to school. Hugh inconvenience to my life and it cost more money from myself. This loan company has also added XXXX dollars to my loan after a year of having the car and never sent me a reason. I am now stuck home and unable to go to work because the company cut the car off. After I made a payment on XX/XX/2020
Product: Credit card

Dispute ID : XXXX The bank is not resolving the dispute. It hasn't even issued the temporary credit. It requested information from me and on its letter it said that I could submit the documents via its online message center but they didn't open the portal for that. They now ask me to mail or fax the documents to them.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX  XXXX XXXX Account # XXXX I do not have a contract with XXXX  XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

This is a request under FCRA 1681i. 
I submitted dispute via CFPB # XXXX on XX/XX/year>. I see XXXX of the XXXX accounts I disputed regarding FCRA 1681b ( a ) ( 2 ) were verified. 
I submit this request today in accord with FCRA 1681i and I am requesting ALL the records that will reveal the procedures used that led to the accounts listed below that were VERIFIED instead of being DELETED. 
PLEASE DO NOT SEND ME ANY MORE SILLY POSTCARDS THAT DO NOT FULFILL THE REQUIREMENTS UNDER FCRA 1681i. 
This also indicates that you have not adhered to the XXXX day timely requirement each time I submitted requests under FCRA 1681i and that is a clear violations of FCRA 1681i. 

I am requesting under FCRA 1681i the name of the person ( s ) you spoke with along with their telephone number and business name and address. 
I am also requesting under FCRA 1681i the records that will reveal ALL the procedures used that led to the accounts to be verified. 

I also as a federally protected consumer under the Fair Credit Reporting Act have a right to request EVERYTHING that you have on me in my experian credit file. I mean EVERYTHING that pertains to me I am requesting as this is my right under the FCRA, so make sure to send me EVERYTHING that is in my experian file. 

Additionally accounts listed below should be DELETED! 
XXXX ) XXXX XXXX # # XXXX 
XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXX XXXX # XXXX 
XXXX ) XXXX XXXX XXXX # # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Thank You very much in advance.
Product: Credit reporting or other personal consumer reports

Resurgent/LVNV Funding and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Resurgent/LVNV Funding ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( Resurgent/LVNV Funding ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By Resurgent/LVNV Funding reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and XXXX continue to report this on my credit report. I have reached out to Resurgent/LVNV Funding to provide me with the contractual obligation that I signed with them and to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Product: Checking or savings account

I have banked with Wells Fargo for over 6 years. There have been numerous times I was charged overdraft fees incorrectly. I was either charged for fees still pending and even after the funds were deposited. I have also set up my account to take from my savings so there are no overdrafts, but my bank never did that. Instead they charged me overdraft fees.
Product: Credit card

XX/XX/2023 XXXX XXXX XXXXXXXX {$85.00} charged twice by credit card company in error they admitted it but say they dont know how to fix it. The city of XXXX confirmed they only received one payment. Sat on hold for over an hour for dispute dept when it not a dispute with the seller the dispute is with the credit card company as they charged me twice in error. Then sat on hold again with a supervisor who also admitted they charge me twice in error who also doesnt know how to fix it. 
Then another charge to XXXX XXXX XXXXXXXX XXXX for {$33.00} credit card company paid the seller once but charged me twice. Admitted again they did it but claim to not know how to fix it. 
Both of these double charges have separate transaction numbers as stated by the supervisor. She states she dont know how to fix it. I tried twice two calls one on hold for 45 for dispute XXXX that never answered. Then again another 45 min with rep and supervisor who resolved nothing.
Product: Bank account or service

Wells Fargo and Co. wrongfully closed my Roth IRA account number XXXX during 2016 without my authorization. I have had this retirement savings account for more than a decade and I know Wells Fargo wrongfully closed my account because I can no longer view my account information online. As such, I am seeking the CFPB assistance in order to recover my proceeds as soon as possible from Wells Fargo.
Product: Credit reporting or other personal consumer reports

Today I tried to retrieve my free annual credit report from Experian via XXXX, the authorized site for this purpose under federal law. Experian 's system refused to provide me access to my credit report after I had provided my identity information, as Experian is required to do by law. Experian, in fact, has prevented me from accessing my report in this fashion for years. The last time Experian successfully provided me a credit report via annualcreditreport.com was on XX/XX/2015. Yes, 2015. More than eight years ago. Since then I've had to send them snail mail and/or file regulatory complaints to obtain my report, despite Experian 's obligation under federal law to have a WORKING system on annualcreditreport.com. 

Experian needs to fix their part of the XXXX web site. Experian needs to provide me with the free copy of my credit report that I am entitled to. The CFPB must fine and sanction Experian for Experian 's pattern and practice of breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just checking my Account and it states that my credit was checked on XX/XX/2022 by at XXXX  - XXXX. The only reason I am checking is because I just also got an email that a Visa ending in XXXX that I do not own was opened in XXXX under my name as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill placed on my report that was already paid due to an XXXX XXXX  I have submitted the paperwork and the company and the bureaus have refused to update and remove this from my credit report. I even went to court with the company showed my proof to the judge and it was dismissed I sent in proof from the court with my complaint to the bureau yet on my current dispute they said it was accurate and didn't remove it.
Product: Mortgage

I sold my house, and paid the loan balance in full with the proceeds from the sale, yet Regions Mortgage inaccurately reports the payment in full as closed by either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus a nd   XXXX   XXXX   XXXX   wo uld not do anything to correct this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX According to XXXX5 U.S. Code 1681c-2 and the FCRA 605B, all of this information must be blocked immediately from the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been well past that timeframe and you are in violation of these laws because I am a victim of identity theft. Please delete these items immediately until the investigation is completed as they are in violation. 

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach along with identity theft. All of this is being investigated by the FTC. These accounts should not be furnished on my consumer credit report because they are in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report ANYTHING on my consumer report which directly violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a 30 day delinquency on my XXXX credit bureau reports. I have submitted my dispute with Experian, XXXX and XXXX and have not heard back yet with resolution. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. 

XXXX Bank is unable to verify the delinquency. Please refer to the captures uploaded as images for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX