23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the incomplete and inaccurate investigation conducted by [ Credit Reporting Agency Name ] into several accounts on my credit report. These accounts include a third-party collection account, an eviction account, and a student loan account with inaccurate payment history. Despite my attempts to rectify these issues through the proper dispute process, the responses from the credit reporting agency have been inadequate and have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

Issues Third-Party Collection Account : The third-party collection account listed on my credit report is inaccurate. Despite submitting a detailed dispute, including supporting documentation that proves the debt was paid in full and should not be listed as a collection account, the credit reporting agency failed to correct the information. This violates the FCRA, which mandates the accuracy and completeness of reported information under Section XXXX ( a ) ( XXXX ) ( A ). 

Eviction Account : The eviction account listed on my credit report contains several inaccuracies, including the dates and amounts owed. I provided evidence demonstrating these inaccuracies, yet the credit reporting agency did not perform a thorough investigation, as required by FCRA Section XXXX ( a ) ( XXXX ). Their failure to correct or remove the inaccurate information demonstrates non-compliance with the FCRAs standards for accuracy and completeness. 

Student Loan Account : The student loan account on my credit report shows an inaccurate payment history. Specifically, it incorrectly lists late payments for months when payments were made on time. Despite providing bank statements and other evidence to support my dispute, the credit reporting agency did not correct the inaccuracies. This oversight is a violation of FCRA Section XXXX ( a ) ( XXXX ) ( A ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 

Relevant FCRA Statutes Section XXXX ( a ) ( XXXX ) ( A ) : This section mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and ensure its accuracy and completeness. 
Section XXXX ( a ) ( XXXX ) : This section requires that the credit reporting agency notify the furnisher of the disputed information and that both entities must investigate and report the results back to the consumer. 
Impact The inaccurate information on my credit report has significantly affected my creditworthiness, leading to higher interest rates on loans and difficulties in obtaining new credit. It is essential that credit reporting agencies adhere to the FCRAs guidelines to ensure the information reported is both accurate and complete.
Product: Checking or savings account

Company name : Netspend Product : Prepaid card Issue : Charged more than expected What happened : On XX/XX/year>, I used a service called XXXX ( which I have used many times before ) to send {$8.00} worth of mobile minutes to a friend in XXXX. However, I was unexpectedly charged {$240.00}. I immediately contacted both the merchant and Netspend to dispute the charge. 

The receipt clearly shows that I only purchased XXXX XXXX of XXXX XXXX for {$7.00} with a {$1.00} processing fee, totaling approximately {$8.00}. There is no mention of a gift card or any other additional item that would explain the extra $ XXXX charge. 

The merchant ( XXXX ) initially told me I had also purchased a gift card, but never provided evidence of it. When Netspend investigated, the merchants response did not mention any gift card, and yet my claim was denied on the grounds that there was no error. This decision was made without acknowledging the receipt I later found and submitted, which clearly disproves the total amount charged. 

A Netspend representative told me that the charge must have been valid because I had a transaction history with the merchant, and that it came from the same IP address. However, past transactions and IP addresses do not justify unauthorized charges, and this response completely ignores the new evidence I provided. 

I believe Netspend failed to fairly evaluate the dispute, and I am now stuck with a {$220.00} overcharge that I did not authorize. I am seeking help to have this charge reversed and for Netspend to properly reconsider the dispute with all of the relevant evidence. 

Claim Number : XXXX Date of XXXX : XX/XX/year> Disputed Amount : {$220.00}
Product: Credit reporting or other personal consumer reports

I have had my credit frozen for years. I unlock if I need to apply for credit. I was able to check XXXX just fine and my report is still frozen. I have tried managing and viewing my freeze with both Transunion and XXXX and once I'm in my account, it says to call. I can not run a report to see if someone applied for credit in my name or if either company accidently unfroze my reports. I have called and am unable to get through.
Product: Debt collection

I opened a XX/XX/XXXX XXXX XXXX credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by XX/XX/XXXXXXXX XXXX via email and by Portfolio Recovery for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with Portfolio Recovery that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.
Product: Debt collection

I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX went into a lock-down because of XXXX, so I ended up not having a job. Because of XXXX, I had no way of making monthly payments for my vehicle. I decided to call Infinti Finance Department telling them about my situation regarding making payments.

The employee I spoke with placed me on a forbearance for one month and told me I dont have to make the payment at the end of the forbearance, but that my loan will be extended from the original time it was supposed to be paid off. 

Another month went by, and I still wasnt working, so I called Infinti Finance. They put me on another month of the forbearance. I called the finance department around XX/XX/XXXX requesting to take me off the forbearance so that I could start making payments, which I did moving forward. I set myself up autopay at that time. 

Sometime in XXXX, I received an email saying that I had to pay double the amount for the billing, so I decided to call Infiniti about the matteras I was on autopay. The agent on the phone told me to ignore it and continue to make my monthly payments, which I did as it was set onto autopay. 

XXXX year later in XX/XX/XXXX, I noticed that my credit score dropped horrifically. I called Infiniti and they said that I had XXXX late payments. I was very confused and shocked to find out I was late on a payment because I am on autopay. I asked Infiniti Finance to find out if I can get the situation resolved and they said that it wasnt possible. I even paid what they said I owed, which was the two monthly payments plus the original that comes out automatically every XXXX of the month. 

I am a XXXX XXXX who is serving on XXXX XXXX, and they still wouldnt attempt to accommodate me. I tried telling them exactly the story about how I noticed a double payment and was told by a representative to ignore. A year later I find out it resulted in XXXX of negative late payment remarks on my credit reports. 

At that point I tried disputing for over a year with no results, no help, and no guidance. They dont even care if youre a XXXX XXXX, so I dont know why they even have a XXXX department in their finance department because it very misleading.
Product: Credit card or prepaid card

I don't understand how i can be charged atm fees or not be reimbursed the fees when i withdraw money. There is no Bank of America anywhere close to me. I dont see how its fair that i lose $ XXXX {$5.00} every time I need to withdraw money
Product: Mortgage

I submitted a complaint before. 
My loan was transferred from XXXX XXXX to Fay Servicing XX/XX/2021. My investor changed from XXXX to non government investor in the middle of my covid forbearance. 
We were affected by covid. 
Just recently received an approval for the modification increasing payment almost double. 
My payment was almost XXXX with a step rate but max interest rate lower than Fay gave me on the modification. 

My new payment has increased to XXXX With 5.50 interest amortized by 40 years with a maturity date of 30 years leaving a balloon amount that they are charging me interest on plus I will need to either refinance the balloon or pay off which is more interest. 
I had a balloon payment from previous mod that drew no interest. 

They are offering a larger interest rate then current rate today trying to make more money on our loan. 

The home went into foreclosure and Im having no other choice other than to accept this modification to keep our home. The rate is to high We wanted to continue making regular payments. 
I will be making the trial plan payments in hopes and prayer the rate can be reviewed for lower and the balloon payment be taken in consideration to not pay interest on this balance. 

Fay Servicing has been difficult to work with and dont care. The loan officer we spoke to going over the numbers said were past do and the investor can do what they want its not government loan.. even though this changed in the middle of our covid forbearance. We were current prior. 

This is causing us to pay more for this loan, like charging for the modification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I purchased some items from XXXX and I was offered a coupon but instead the employee mistakenly ran my credit line for a XXXX credit card which I am highly up set about.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : CREDIT MANAGEMENT COMPANY XXXX {$2100.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 ) ( XXXX ) A person shall not furnish any information relating to a 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

I have one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment  account
Product: Checking or savings account

On XX/XX/19 deposited paycheck in the amount of {$2600.00} into checking account. This is the same deposit that is made twice monthly. Same amount, same account. There have been no issues for the past year with deposited paychecks. Bank now refuses to make funds available until XX/XX/19, which has compromised our jobs, due to childcare not getting paid, compromised our mortgage payment, and now we can not pay our electric which is due by XX/XX/19, before being shut off. We have attempted to contact the bank and were told by both our local location and the customer service line, that they were going to hold our paycheck for 10 days due to our account being negative before. Our account has {$.00} in it with no outstanding balances or purchases. This holding of our paycheck is in no way useful to the bank, other than keeping us from paying our bills and as a form of punishment.This is through Fifth Thirds Bank.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Vehicle loan or lease

I am the original owner of the vehicle which was sold to a private party who obviously needed clear title to register the vehicle. 

Made inquiry with Wells Fargo as to the most efficient speedy way to be able to issue clear title to the new owner - was told they " would not '' accept cash payment for payoff at a Wells Fargo branch - and - was also told that if a wire transfer was done the funds had to come from the account holder 's bank account no other account -- I am on the road for my job so this process made it extremely difficult Went through the " hoops '' had to have funds transferred by my wife to my account so we could generate the wire for payoff before we could even accept a cash payment from the buyer - So today we executed a wire transfer directly to Wells Fargo Bank ( Wells Fargo Auto ) and now we are being told it will probably not hit the loan account for 3 to 4 days and they had told us we could request a expedited lien release for the new buyer to register the vehicle - The last person we just spoke with to discuss those questions " hung up on us '' ( name was XXXX ) - we tried multiple times to follow up on this issue today and held on the phone 34 minutes and then were disconnected Seems like the lack of customer service and issues at Wells Fargo have not changed - however my ultimate complaint as a consumer is the fact they made it SO difficult to payoff a loan either in person or by any other method - a creditor should accept funds from " anyone '' for payoff - what if the acct holder is no longer living or not in the country or otherwise unavailable -- After the run around we got to further be " hung up on '' is outrageous behavior!! Thought you should know
Product: Credit reporting

XXXX XXXX XXXX = i disputed the account balance which was {$160.00} as reported and then I challenged it because the actual balance is {$15.00}. I can not understand how the balance went down and the credit utilization from XXXX XXXX to XXXX XXXX. My score dropped XXXX points even though my balance went down. SEE PAGE XXXX OF THE ATTACHMENT.
Product: Debt collection

In late XXXX early XXXX I was contacted by XXXX XXXX for a credit card debt. I spoke with a woman and manager at the time about a lump sum payoff. The communication moved to LTD Financial services for reconciliation. I was told that for both credit card balances I could receive a lump sum payout and if paid on time they would cancel the debt. I was given to dates to pay which then complied. I later received a letter claiming only XXXX account which entirely incorrect. I proceeded to contact the both companies where they passed the blame for the communication several times. I finally got fed up and decided to pursue other avenues. I contacted a woman who works with credit and paid her money which turned out to help me get several things cleared up but not the card situation as the company continued to state that i did not complete the payout for both cards as verbally discussed. I did my due diligence and requested information in writing however they refused to do so until after payment of {$1600.00} which I felt pressure to do so and was able to make happen at a time very traumatic in my life. Fast Forward to now and I am being falsely reported to credit bureaus for be delinquent when this matter has been solved since around XX/XX/XXXX. I want to make aware of their practices and shady business transaction to get money.
Product: Checking or savings account

First Citizen 's Bank in XXXX, NC. We opened a new checking account with this bank in XX/XX/XXXX. The bank was very inconsistent with its check cashing policies and this caused many inconsistencies with funds available for purchases. I called the bank in XX/XX/XXXX to ask them questions regarding the posting of funds available and the balance amount, check deposits. I told the representative with all the confusion and inconsistency and change in balance and fund availability that I wanted the bank to stop paying checks and authorizing purchases when the funds are not available. The representative told me she would change the account to a no overdraft coverage status. She told me no charges would come through unless the funds were available to pay for them. 

They lied. They continued charging over draft fees. I called again and asked to place the account on no over draft,, again they told they would. I told them I had called in XX/XX/XXXX with the same request. The representative told me they could pull up the phone conversation. They said they would research and verify the request, ( now there were two on file ). They told me they could not find them. 

We have hundreds of dollars in over draft fees. The bank ignored my requests to stop paying for items without the coverage in the account, moreover the balance showed many times the funds were available and still we would get over draft fees. 

We have never had an experience like this with a banking institution. I know they have those recorded conversations with my requests to stop over draft payments. And they intentionally ignored my requests in order to generate fees from our account.
Product: Debt collection

Happened on  XXXX / XXXX / XXXX  They claimed I owed {$290.00} over a credit card I never owned. They knew the la st 4 di gits of my social and my address. They claimed the account was opened in  XXXX  with my current address when I did n't live at my current address in that year. Their language was abusive and harsh and did n't let me speak, they just kept demanding money and payment.
Product: Mortgage

In XXXX 2015 my wife and I began VA refinancing procedures with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The loan was approved and we signed papers on XXXX XXXX, 2015, on XXXX XXXX, 2015 the loan was transferred to Green Tree. The refinance papers showed that XXXX months worth of escrow was held to pay for property taxes due on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 I received notice from the XXXX County Treasurer that we were delinquent in paying property taxes. On XXXX XXXX, 2015 I called an agent with XXXX XXXX and was told they would look into the matter, and she confirmed that there was XXXX months worth of monies withheld to pay property taxes, I also emailed her a copy of the tax statement. On XXXX XXXX, 2015 I again called the rep. from XXXX XXXX and had to leave a voice mail, since I did n't receive a call back, on XXXX XXXX, 2015 I called and talked to another rep, and he told me I would have to call Green Tree. I did call the tax division at Green Tree and advised what the problem was and she told me it would take XXXX days to look into the matter and another XXXX days for a decision to be made, I told the lady this was not acceptable and asked her XXXX to talk to a supervisor and she told me no both times, On XXXX XXXX, 2015 I tried to make a written complaint to Green Tree, but with the subject heading Complaint in was rejected and I was instructed to call Customer Service, I was finally able to get the email to go through by putting a different heading for subject matter, today I got a return answer that the matter was being looked into and it would take XXXX days from the date of my notice to them to reach a decision, well past the date of XXXX XXXX, 2015 when XXXX County said a lien would be placed on the property.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the 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 DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record from these banks XXXX XXXX XXXX
Product: Debt collection

I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. XXXX XXXX XXXX had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless XXXX XXXX XXXX due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX