23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ALDOUS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

Hi, I received an email from Chase on XX/XX/XXXX said they are going to close my account and I need to call or log in App to unlock. I tried log in but failed and I called customer service who told me ALL accounts are already closed by Chase and she can not provide a reason for that. She also said the remain balance will be sent in 10 business days. 

I stopped by at Chase branch on XX/XX/XXXX because I haven't received my check for around {$7000.00} balance. One of the stuff looked up in the computer and told me the review of my case was done and check was cut, should be delivered in next 7-10 days. 

I went to the same branch again on XX/XX/XXXX as I received email bank statement of one of my Chase credit card that I was told should be closed by Chase already. The banker called other departments and told me, they are still reviewing my account and need me to keep waiting another 1-2 weeks before they mail my check. From my perspective, Chase is holding my money for no reason in the past 20 days, and some of employees lied to my face about my account and check status. I am supposed to receive the check within two weeks after they closed my account, and yet, they are not even capable of giving me an exact time and status of my case.

Because of Chase, now I have big trouble paying bills or living. I may be evacuated from the apartment if I don't pay rent asap.

Despite the situation of my unfinished check, one of them told me my accounts were are closed but they were not. Causing me to have to pay more interest and late fee for credit card eventually. That seems like pure fraud to me.
Product: Credit reporting

I have an account with XXXX XXXX out of XXXX, Ga. that has been in chapter XXXX bankruptcy since XX/XX/XXXX. I 've had several issues with XXXX reporting my account correctly to Equifax. First, XXXX continued to report the account as a charge off account. I 've spoke with XXXX and Equifax many times. The issue still is n't resolved after over a year of me filing complaints. Now, XXXX is reporting the account as a payment that 's past due also. I spoke with XXXX XXXX at XXXX about the issue on XXXX XXXX, XXXX. The account was included in the bankruptcy and had a starting balance of {$2600.00}. I now owe them about {$23.00} and I 've never missed a payment. I 've been dealing with this for over a year now. Equifax has been no help. All they tell me is to call the creditor. Farmers should be charged with fraud.
Product: Credit reporting or other personal consumer reports

I asked the call taker why would XXXX XXXX still have both of the auto loans, that are paid off reporting on my credit report. I explained that the loan amounts are still being use in my debt to income ratio, and is impacting my credit score and reporting. XXXX XXXX stated that I would have to talk to the credit reporting agency, and that the case is close on there end. It is nothing they can do about why its reporting that way.
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to transunion on XX/XX/2024 to go over some incorrect personal information that doesnt belong to me. I have yet to receive any acknowledgement of my request to have the information from my credit.
Product: Credit card or prepaid card

I have an Bank of American Pre-paid Card with the Sponsor being California EDD which paid me my unemployment funds and Covid pandemic funds in XXXX and early XXXX. In late XX/XX/XXXX my Bank of America Pre-paid debt card was frozen with a balance of {$860.00} in that account from my California EDD funds. It has been frozen for over a year now. I have talked with Bank of America 10-12 times with both front line personnel and managers the answer is always the same : We can not help you, you have to call your sponsor California EDD to request the account be unfrozen. I have contacted EDD 8-10 times over the last year, my ID verification has been clear twice with them and they have nothing on hold or anything in my records to prevent an account from being unfrozen. EDD has requested my account with Bank of America to be released least 6 times. Bank of America has my money which belongs to me and is rightfully mine but will not release the funds. HELP!!! Nobody can get to anyone who has the ability to release my account. Is BofA or EDD just going to steal my funds? It is now starting year number 2 -- - What do I do??
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. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  : # XXXX, has violated my rights. 


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

on XX/XX/XXXX I was involved in a car accident that ended up ina total loss of the vehicle. My insurance paid XXXX on XX/XX/XXXX, Warranty refund XXXX paid on XX/XX/XXXX and on XX/XX/XXXX Gap insurance paid XXXX ( they did not pay it all the way off and left a {$2500.00} balance. I called Wells Fargo Dealer services and was told that they couldn't discuss a settlement with me until the loan file went to recovery ( 90 days ). Before the accident, I did not have any payments on that loan that were over over 30 days late. On XX/XX/XXXX I called the recovery dept and was told that if I would pay {$1500.00} of that balance then they would report it as settled for less than agreed to the credit bureaus. I paid the {$1500.00} in two payments but they never updated the reporting. I called the office of the president last week and was given a case # and told that they would have someone in touch within 24 hours. That didn't happen and as of today my credit looks like I have not made a car payment in nearly a year. I have been financially ruined over an accident where I was not at fault in any way. I am unable to get another vehicle because my credit score is now too low due to Wells Fargo and their unfair/untrue credit reporting practices.
Product: Debt collection

Resurgent ( LVNV ) has 3 accounts for me. Two of the accounts ( XXXX and XXXX ) are incorrectly labeled as owed and should not appear with their firm. The first, XXXX XXXX XXXX account ( Resurgent ID:XXXX ), displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Charge Off Balance : {$520.00} with a Current Balance : {$930.00} ( total debt ) ; which has been charged off meaning I do not owe this amount nor any amount to date since it has been completely charged off since it has been over two decades ago. 

The second, XXXX XXXX account ( Resurgent ID:XXXX ) displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX with a Current Balance : {$760.00} ( total debt ) ; which should have been charged off meaning I do not owe this amount nor any amount to date since it should have been charged off by now and is over two decades old. 

The third ( XXXX XXXX XXXX  ) is still in dispute concerning any debt currently owed. I would like for this firm to correct their records to reflect the above information and have {$0.00} balance for two of the three accounts noted above based on the above information which is true and correct to the best of my knowledge. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting the wrong  1st date o f delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ).  For a long time  XXXX  was reporting the wrong history and balances of the accounts since da y one,  but that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.
Product: Vehicle loan or lease

I have made a an attempt to pay off my loan with USBank early and in full. They stated my pay off amount and I paid that in full. They then charged me an additional  XXXX  cents as well as an early payoff fee of {$75.00}  (  Statement date  XXXX  vs. Pay off over the phone on  XXXX  ). My contract with USBank clearly states that I do not have any early payoff fee. I believe this is systemic predatory charging that is being charged to all consumers that attempt to pay off a balance early. Please investigate so these big banks quit screwing our citizens. Thanks!
Product: Mortgage

This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, natural person, consumer, am alive, have hand written my instructions to Experian, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). For any reason, my written instructions should not be misunderstood whatsoever. However, if you, Experian, fails to comply with I, XXXX XXXX, consumer, pursuant to 15 U.S. Code 1681n ( a ) ( A ), Experian you will be fined for {$1000.00} ( per ) account ( s ) for failing to comply with my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Must follow instructions in this letter. 

Best regards. 

XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX  and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts with Experian in a attempt to report my score accurately my latest attempt was on XXXX. Between the XXXX reporting agencies Experian XXXX   and XXXX  my score is up to a XXXX point difference with XXXX  and a XXXX point difference with transunion I'm being told its because the use a different scoring model from the other credit reporting agencies and refuse to investigate. I can understand a up to a XXXX pont difference which is still unreasonable for anyone but XXXX and XXXX point differences is outrages for anyone something is obviously wrong hear. Under the Fair Credit Reporting Act credit reports must be done fair and accurately please investigate I need this problem fixed so that it will not negatively impact my credit.
Product: Debt collection

I have been trying to contact Grain Technology Inc about a debt owed to them since XX/XX/2022. I have attempted to call them, can not get through to a live person. I have filled out their contact information form 4 several times over the past few months. I want to settle this account out and if they are not willing to work with me in clearing this debt, I want the credit bureaus to remove the debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank agreed in a phone call on XX/XX/2020 to reduce my outstanding credit card balance by 50 %. However they are continuing to send out statements and report to credit agencies an amount that does not reflect the 50 % reduction. I have previously reported this problem to CFPB wherein I asked under the freedom of information act to have a transcript of the phone call when this discount was agreed upon. When Barclays responded to CFPB about this matter and a Federal Conspiracy complaint their response ignored the said phone call. I responded to CFPB that the answers given by Barclays were not correct yet CFPB closed the complaint because Barclays responded. I can not understand why CFPB closed the complaint when obviously the matter has not been resolved. Please explain.
Product: Mortgage

Navy Federal Credit Union incorrectly deposited escrow funds of into an account without verifying that my name was attached. I have contacted them on multiple times and even submitted a letter to Supervisor of Escrow named XXXX but nothing has been done. I still have not received any monies. I asked if they could put a freeze on the account until we get this resolved and I was told NO. I was told that I had signed a form at my closing and according to the form they followed procedure. I was puzzled because my closing was done at another Title company in which I had asked about the escrow funds. After calling and speaking with XXXX different people with an hour on the same day in Escrow dept I was then informed the form signed was done in XXXX. The representative apologized stating that the form should have been updated prior to releasing the funds since my account was noted for DIVORCE, she then transferred me to the Supervisor named XXXX. XXXX reviewed the document and also apologized and stated she would try to reverse the funds but after being on the phone for about 30 min she stated unfortunately she would have to send this issue to her superior. She then asked if I could email a letter to her of all the conversations I had with Navy Federal regarding the escrow funds so she could attach with it the information she was sending. I called XXXX to XXXX to confirm receipt of the letter and she stated she received it and that I should hear back from XXXX of her Managers to resolve this matter. 

I questioned the escrow funds that I Prior to selling the property in XXXX XXXX, I inquired about the escrow funds when I requested the XXXX Payoffs in XXXX explaining that I was divorced and all escrow funds should be sent to me. I explained that due to a divorce, I was awarded the property and had been paying mortgage and taxes for the past two years. I asked Navy Federal if I needed to send them copies of the divorce decree and was told NO because they do not honor divorce decrees. Out of all the monthly phone calls and Payoff requests no one from the institution mentioned to update a Navy Federal Suppression document. 
As of date, I still have not received any escrow funds owed by Navy Federal Credit Union According to court documents, I was to receive ALL escrow funds however Navy Federal Credit Union does not honor divorce decree and has failed to honor my portion of the escrow funds due. I have also requested a copy of the signed Suppression form and still have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right 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.
Product: Credit reporting or other personal consumer reports

First premier company is violating my consumer rights to privacy, specifically referencing 18 U.S.C. 8 and 15 U.S.C. 1681b ( 2 ), they are also reporting information without your permission, citing 15 U.S.C. 1681 ( 4
Product: Mortgage

I didn't know about deferred interest on account I paid the interest they charged on account I could understand accrued interest for XX/XX/XXXX until XX/XX/XXXX of XXXX but not accrued interest XX/XX/XXXX til XX/XX/XXXX and deferred interest of XXXX and XXXX this sounds made up. It's funny that overpayment is exact amount of overpayment no more no less. They should have given me a chance to pay deferred interest during life of loan. I paid all late fees when I had to at times before this last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not 30 days late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX/XXXX XXXX,
Product: Credit card or prepaid card

In XX/XX/XXXX, I complained to the FCC about XXXX withholding a refund. I won the complaint and XXXX refunded {$270.00} on a Citibank debit card ( although I wanted a refund in the form of a check ). I used the debit card in XX/XX/XXXX, and only {$260.00} was available. When I checked the balance at www.prepaid.citi.com/XXXX, I saw an " account maintenance fee '' was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$3.00} each month for a total of {$9.00}. I know {$9.00} is n't a lot of money, but I want it back because XXXX owed me a refund and they should not be allowed to use a repayment/refund vehicle where the consumer is charged a fee. Also, in reading the law in California, that is not legal.
Product: Debt collection

I received my paycheck today with a {$300.00} garnishment from 4M Collections, with the names Discovery Financial and XXXX XXXX attached to the order. I was NEVER contacted regarding this debt and have not had any debt for 10 years or more as I filed bankruptcy back when my children were in XXXX school. I do not have any collection agency remarks on my credit, nor have I received ANY phone calls NOR letters regarding ANY type of debt owed. I have tried MULTIPLE times to try and contact them today to get an answer to no avail. They have robbed me and are 100 % wrong in taking my hard earned money. I am a single woman who is barely making ends meet. I do NOT have the money for them to take. Also, the name that they have me listed is, and has NEVER been my name.
Product: Credit card or prepaid card

My son purchased a {$25.00} Vanilla Visa Gift Card at XXXX XXXX on XX/XX/22 at XXXX. He came home and went on the Vanillagift.com website to register his card. At that time it said there was a 30 minute period before the card could be activated. He checked the account online again and it said there was 17 minutes left and then it would be activated. When my son went back on the website, giving it extra time, the site indicated there was a pending transaction made at XXXX for the entire amount of the gift card of {$25.00} by XXXX XXXX XXXX. My son and I called the customer service number at Vanilla Visa to report that his card was somehow charged, at the exact time the funds would have been placed onto the card, when he did not use it yet. We were informed that we could have a hold placed on the card and that I should call back on XX/XX/22 to see if the merchant collected the money. At that point I would then be able to raise a dispute.
Product: Debt collection

I received notification from one of my credit monitoring services that I had a collection account add to my credit profile by CommonWealth Financial. I contacted them to ask why would they place a collection on my credit profile without contacting me to see if the debt belongs to me. The representative advised that they just purchased the debt and have not had a chance to mail anything to me. I asked him why would you place the collection on my credit profile without following the proper procedures as required by the XXXX and the act overseeing how collection agencies operate. He could not give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency, and you the XXXX reporting XXXX XXXX Transunion credit reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards and Auto loan accounts opened at XXXX XXXX ( {$210.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX  ( {$400.00} ) ACCOUNT NUMBER XXXX, XXXX. XXXX XXXX ( {$4500.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ( {$17000.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX ( {$4900.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX ( {$25000.00} ) ACCOUNT NUMBER XXXX, XXXX  XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ( {$96.00} ) XXXX, XXXX XXXX ( {$360.00} ) XXXX along with a fraudulent inquiries that include XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which show the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.