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

I have a XXXX XXXX mortgage loan serviced by Seterus and the loan was offered a forbearance owing to the federally-declared disaster from Hurricane Irma. The forbearance let to a loan modification which had a trial plan that ended on XX/XX/XXXX. The trial period payments were made on time as required by the modification agreement i.e., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Seterus ceased from being the servicer on the loan and new servicer now is XXXX XXXX XXXX. XXXX XXXX XXXX  has concluded the modification process begun by Seterus. 

On XX/XX/XXXX, Seterus maliciously made a derogatory report to the Credit Bureaus by stating that the loan was 120 days past due. This is incorrect. The loan was being repaid as agreed leading up to the declaration of the disaster by the federal government and one of the terms and conditions of the forbearance was that negative reports would not be made as long as the loan was in forbearance. Immediately after the forbearance the loan was approved for modification and the terms of the modification were adhered as prescribed. 

I am disputing the report of the loan being 120 days late. I spoke to 3 people at Seterus today, Mr XXXX, Mr XXXX XXXX and Supervisor XXXX XXXXn. Ms. XXXX stated that the late payment applies to XX/XX/XXXX. This is incorrect because the loan was in forbearance at that time and the terms of the forbearance specifically state that no negative reporting will be made, so Seterus is violating its agreement.
Product: Debt collection

AN ACCOUNT WAS OPENED ON XXXX OF 2017 WITHOUT MY AUTHORIZATION. THE AMOUNT SHOWN IS {$1000.00} DOLLARS.
Product: Checking or savings account

On XX/XX/year> my debit card was charged for the amount {$97.00} from a merchant i did not recognize or gave authorization. My bank sent me a text asking if i made that transaction i replied no. They said no funds would be taken from my account. The funds were still tooken. i reached out to bank & filed a dispute & it was denied twice even after i provided evidence of that i did not authorize the transaction.
Product: Debt collection

On XXXX XXXX I received a letter from Capstone Credit & Collections, LLC with the following statement : " As you are aware from our original letter, your account was placed with our office some time ago and remains seriously past due. As of this date, our client has agreed to settle the above referenced account for a lump sum payment of 75 % of the current balance if received within 30 days of the date of this letter. '' The problem, is that I never received any prior notification from this agency, or any information about the debt at all from the original creditor. 

After receiving the letter, I noticed a " derogatory '' account on my credit report - which of course had a significant negative impact. 

This debt was a surprise to me, and I feel the verbiage of the letter was intended to elicit panic and immediate action/payment on my part - and the fact that I never received any prior notification from them, seems deceptive and inappropriate. 

I am not sure of the timing of the debt, but from what I can tell, it is from earlier this year. I was employed prior to the pandemic, and assuming the debt was valid, could have investigated/resolved the issue before it suddenly appeared on my credit report. I have made an effort to repair my credit over the years ... and this surprise derogatory account on my credit ( with no prior warning - even from the original creditor! ) will certainly affect my financial recovery - and have a negative impact on my life.
Product: Checking or savings account

Wells Fargo Bank charged many unnecessary fees, and accepted deposits to my account without my authorization causing account closure.
Product: Debt collection

MIDLAND FUNDING purchased an old credit card account from XXXX XXXX. the last factual date of activity and payment is not reflected in the report. Midland has entered their own arbitrary date which incorrectly reflects the 7 year statute of limitations. 

Midland has also failed to provide proof of account ownership from XXXX XXXX custodian of records. They only offer copies of the last few statements with an existing balance, a balance not indicated as to when the purchase was made or last date of payment activity - only " existing balance '', which I refuse to accept as proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have incorrectly pl aced two m issed payment on each  Nelnet account for a total of 18 mis  sed payments on all  XXXX  credit reporting agencies.. I wa s never late, my account was placed in forbearance  in  XX/XX/XXXX .. and th ey have me down for late payments after that. They need to be deleted and removed from my credit because it has significantly hurt it.. I have attached the proof as well.. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I got the statement for XXXX over payment from US Department of Education. 
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down XXXX points IN XXXX XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and US Department of Education at all until XXXX XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XXXX ). 
When I got my statement from US Department of Education, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XXXX XXXX XXXX. This issue reported at XXXX/XXXX/XXXX from US Department of Education. I do n't understand why. I did n't get any letter, email, statement or bill before XXXX XXXX. Simply I got the statement in XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XXXX XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XXXX Now I am in extremely hard time. Please help me.
Product: Credit card or prepaid card

A late fees & interest was charged by BoA for their failure to trigger Auto Pay. When asked the representative, I was told that fees were legit and ca n't be reversed. Its not the first time this has happened. I had a similar issue and had to pay the fees & interest but, now, I would not pay for bank 's system mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a Redeemed repossession and Redeemed or reinstated repossession in the comment section ( s ) on both my XXXX and Equifax credit reports. The repossession took place in XX/XX/XXXX. The comment should be removed since its been more than XXXX years since my initial late payment that lead to the repossession per 15 U.S. Code 1679c - and FCRA 605 ( a ) ( 5 ).

This comment is still having an adverse impact on my XXXX and Equifax credit reports affecting my score. 

I submitted a dispute with both XXXX and Equifax on XX/XX/XXXX, after obtaining my payment history ( attached ) from XXXX XXXX XXXX which clearly outlined the dates of the repossession. Neither credit bureaus have removed the comment despite providing them with proof that the repossession occurred more than XXXX  years ago now. Instead, they just changed the name of the original creditor.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. 
These are the accounts that are inaccurate : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, Ally bank sent me 4 emails that they have closed my 4 accounts and will send the check. I received the 2 checks on XX/XX/XXXX and deposited it to my new bank and they rejected the check with both my name and my sons name on it. I called Ally bank on XX/XX/year> and was on the phone with them for XXXX minutes, the supervisor said theres a resolution to that and has given me specific directions : send back the check and write a letter of instructions to Ally bank requesting a new check with just my name on it. This was mailed on XX/XX/year> and the bank confirmed receipt on XX/XX/year>. They asked me to call back on XX/XX/year> if I havent received the new check. I was then informed when I called again that day that the bank can not issue the check without my sons name on it. I asked them to issue the check under any of my 3 other accounts with just my name but they keep on declining it and wouldnt give me any reason as to why they can not do it. I dont have a job for more than a month now and my XXXX XXXX XXXX XXXX  last month and he needs financial help from me to continue with his XXXX, doctors appointments, XXXX  and further testings which I have mentioned to Ally banks customer service XXXX yesterday.
Product: Debt collection

This is phantom debt contrived by a criminal enterprise originally located in XXXX XXXX, NV. This was initially thought to be identity theft but is actually mail fraud. A complaint has been filed with the XXXX. XXXX inspection XXXX. This is report C # XXXX The initial letter dated XXXX XXXX, XXXX was from XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX had purchased an account from XXXX XXXX Bank for {$690.00} and I now owe this money. This is fraudulent. I have never heard of any of these companies. 

XXXX has provided me with the following : XXXX XXXX, XXXX XXXX XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX XXXX, NV. XXXX The next XXXX XXXX XXXX XXXX letters have come from Resurgent Capital Services XXXX. XXXX XXXX XXXX MI XXXX demanding payment and personal information. This collection agency also has many other names and XXXX but no physical addresses. 

These are criminal enterprises as can be seen from the internet- XXXX.I have also filed a complaint with the credit agency XXXX XXXX I have not and will not send any money. I have the originals of all letters. 
Thank You
Product: Credit card

I opened a case back in XX/XX/year> because of their untruthful credit card practices and was told I wouldn't be charged for annual fee and now I have an annual fee. I tried to contact XXXX XXXX from the original case and she has not returned my call. The previous case was XXXX. I have not been notified of this increase and was promised back in XXXX  that I would not have an annual fee as to why I signed up for this card in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I have noticed some on unauthorized & unverified items. According to the FCR a legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) 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 XXXXXXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This student loan was XXXX by Department of education due to a lawsuit with this company pertaining to fraud. I reported this to Experian Experian denied my request to have this item removed since it was discharged due to fraudulent activity. This shouldnt remain on my credit report.
Product: Payday loan, title loan, or personal loan

Dear representative, I am in the middle of closing a purchasing a home. I paid off all of my credit cards, & personal loans to be able to qualify for the mortgage. I called, got the p/o & paid Mariner Finance in full over the phone on XX/XX/XXXX. On, XX/XX/XXXX the payment cleared my account. At the time of making the payment, I asked the representative how long it would take to get proof from their company, that I paid the loan off. They said 7 days. I called on XX/XX/XXXX and said I need the promised proof of payment. They said their policy is 15 days, but maybe if I could send over my bank statement & prove that it cleared my account I could get the proof from them. I sent the proof on the XXXX ( same day XXXX but never heard back. I called on XX/XX/XXXX & they said they still have to wait 15 days. I called today & now I am told that the proof of payment which is eligible to be sent out on the XXXX can only be mailed. Why is it that every other company has been able to accommodate me withing 3-5 days & this company will only mail proof after 2 weeks. I will lose my rate lock as interest rates have increased & won't close my loan on time. I am very upset since I work in the finance industry & know this is illegal. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY XXXX REPORT XXXX XXXX XXXX XXXX NEEDS REMOVED FROM EXPERIAN CREDIT REPORT ATTACHED FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a closed credit card account for the XXXX  XXXX XXXX  XXXX XXXX with a balance of {$3400.00}, the actual balance is XXXX ( XXXX ). This account was closed due to possible fraud and transferred to another XXXX card. TransUnion has not updated this balance since XX/XX/2018. 
Additionally, TransUnion is using the inaccurate balance of {$3400.00} as part of my overall credit usage which has decreased my credit score by at least 30 pts. 
The account that is reporting inaccurately is displays on my credit report as ; XXXX XXXX XXXX  acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) UNABLE TO PROVE BANKRUPTCY CASE # XXXX DATED XX/XX/1992 2. ) UNABLE TO PROVE THAT XXXX XXXX FUND PAID FOR THIS CREDIT CARD. 
3. ) UNABLE TO PROVE THAT CREDIT CARD PURCHASED PLANE TICKET UNDER OUR NAMES. 
4. ) THIS CREDIT WAS NEVER AUTHORIZED BY US. 
5. ) THEREFORE, THIS CREDIT CARD IS FRAUDULENTLY OPENED & USED.
Product: Credit card

Capital One offers a few ways to verify your identity. One is taking a picture of photo ID and selfie. Another is phone number, and another is tapping the card to the back of your phone. 

Taking a picture of my ID and doing that selfie does not work. It gives an error that the ID couldn't be verified. 

The phone number does not work either. I have had this phone number for 7+ years and am the only one on the bill, but are unable to use it to verify.

The tapping of the card does not work either. No error given, and phone has all permissions given to app. 

Capital One does NOT offer manual verification, which is upsetting because they have no branches within my state. How am I supposed to verify if technology isn't working as it should? This is an issue as one of the main reasons I got the card was for it's some of its features such as XXXX XXXX and virtual card numbers, but I can't use these because they can't verify who I am with AI technology evaluating my ID. 

Called fraud department, called digital services and main line. None could help and just said " keep trying '' after waiting 72 hours. This has been done and still nothing is being accepted. Attached is screenshots of what the website states.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

I have tried over and over calling, and emailing this seller, and have asked for a tracking number, and no response or reply. This is so hurtful my niece really wanted this doll and though I couldn't afford it I'm on SSI and XXXX I said I have to get it for her because her [ parents are on drugs and don't buy her anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get an address removed from my Experian redit report that does not belong to me at all. I have never lived nor received mail at that address.
Product: Debt collection

Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!
Product: Payday loan, title loan, or personal loan

Hello I apply for the mortgage assistance due to national emergency for Covid and unfortunately the bank has been extremely misleading purposely and also the bank has make decisions without my authorization including ending the trial And or removing me from the mortgage assistance I really need help please I can provide all the details of the request thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

there are XXXX inquiries on my report not tied to any cards of mine that I did not apply for. same inquiry twice there is now on alert
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : XXXX, 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.