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

I hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Payday loan

Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last reported XX/XX/XXXX {$48000.00} Reported balance Highest balance {$57000.00} You've paid off 15 % of this loan XXXX  Highest balance {$57000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type XXXX XXXX Responsibility Individual Remarks Repossession Times XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX USA See a mistake ? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It w
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't apply for these account these accounts are fraudulent.
Product: Credit card or prepaid card

I pay my AMEX card in full every month. The due date on my card is the XXXX of the month. In XXXX I paid the balance of {$910.00} in full one day late and incurred a interest charge of {$23.00} and a late fee of {$40.00} in XXXX for the late payment. I am ok with the interest charge and the late fee in XXXX because I paid late. However, I also received an interest charge of {$23.00} in XXXX and when I asked the AMEX representative why I was charged interest in XXXX they said that the trailing interest from the late payment in XXXX carried over into XXXX. Since I paid the balance in full on XX/XX/XXXX there shouldn't be any trailing interest. Or if there is, it should only be for 1 day? When I asked about the interest in XXXX I was told that it was the trailing interest? 

Without a clear explanation of why I was charged another month 's worth of interest for 1 day of an outstanding balance raises the issue of an unfair and deceptive act.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, especially in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that were covering lost. Funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Debt collection

This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from Citibank from XXXX and I believe I stop paying into XXXX. I was paying Citibank but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. Citibank decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and Citibank should not have sold this to them. I did my research and Citibank was being held responsible for selling loans they should n't sold. I was more than willing to work with Citibank and I have letters to prove my struggle with Citibank. I have always had a high credit score before needing a operations. I even was able to work with XXXX XXXX XXXX XXXX which I understand is XXXX of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your account with XXXX was removed from your credit report.
Product: Debt collection

Sallie Mae has contacted me all day, weekends, and holidays. They have contacted my mother and father more than once. I repeatedly told the loan officer I am still in school and I am still in an internship required by school and I will be submitting paperwork shortly. They are still calling and harassing me
Product: Debt collection

XXXX XXXX XXXX formerly XXXX XXXX sent my account to collections because their customer service was unable to determine how to have me send them back their rented modem. This has been resolved, and XXXX XXXX now has their equipment back at their XXXX, NC location. This collections balance remains on my account however, and their customer service is unable to remove it instead directing me to some customer service phone line that may or may not be to XXXX.
Product: Debt collection

I previously had a cfpb case initially concerning this issue. I was advised to contact the company directly with any further questions or concerns. Case # XXXX I sent them a certified letter to the address advised on XX/XX/XXXX but as of today, I have yet to receive a response. XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these XXXX account numbers have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I was shocked when I reviewed my credit report and found late payment on the dates below on my student loan which i thought were already taken care of. 

XXXX / XX/XX/2017 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

XXXX : {$1000.00}, I never opened a account with XXXX so I ask can this account be removed from my credit report PORTFOLIO RECOVERY ASSOCIATES/ XXXX XXXX {$3100.00} I never opened a account with XXXX so I ask can this account be removed from my credit report I just ask if these two accounts be removed from my credit report 15 USC 1681
Product: Credit card or prepaid card

I bought a Visa Gift Card from GiftCardMall.com ( run by BlackHawk ) for {$480.00} on XX/XX/18. 

The card was stolen in transit before I received it in the mail, and was used fraudulently. 

I contacted the company and was issued a replacement card, and was told to submit a formal complaint specifying the fraudulent activity in order to have an investigation that would lead to me being reimbursed for the fraud on the replacement card. I emailed in the required form to the BlackHawk network email specified on XX/XX/18. 

I never heard anything back from the company, and contacted by phone periodically to ensure there was nothing more that was needed, and each time I was told everything was fine and the the case was proceeding. 

However, this week I called and was told the case was inexplicably closed on the same date I sent in the formal complaint! However, nobody in the company is capable of answering why they are not reimbursing me for the fraud per their policy. 

In short -- I ordered and paid for a card with a {$480.00} balance, and I only received a card with a {$54.00} balance. I am still out {$430.00} the company owes me for the fraud between the time the card was between office and my mailbox. I have done everything asked to certify that I did not make the charges, and there policy is that I am not responsible for any fraud and will be reimbursed.
Product: Debt collection

I got notification via   XXXX   XXXX   that a new debt was placed in collections ; I had no knowledge of this company listed on the debt ; I called  XXXX  who advised me a loan was taken out via the internet in  2010  ; I have never received a bill, notice, or any attempt to collect. the debt was then sold to a creditor as the 7 year timeframe was ending.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX at XXXX XXXX, I invoiced a company who I am doing some work for, XXXX XXXX of XXXX, they paid the invoice which transferred {$250.00} into my PayPal account. I have had this account since XXXX. When the money was transferred into my account, PayPal took a {$7.00} fee. When trying to do an instant transfer of the {$240.00} to my checking account, which I have done numerous times. I received a message that the money transfer would be delayed up to 24 hours and no other explanation was given. This transfer usually takes about 3 minutes. I called PayPal customer service immediately and they told me to open a ticket with PayPal Merchant Services and they would let me know right away what was wrong. I just checked at XXXX XXXX and the money is still pending and I still have no explanation as to why my money has not transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse. 
I have been out of work since my company closed my location in XX/XX/XXXX. With declining values of real estate in my neighborhood I am asking for assistance in rebating or writing down the balance of the home equity loan since I have been paying an artificial high rate. My attempts to refinance to been declined as it is considered a cash out refinance to pay off second mortgage and declining appraisal value does not allow this. At this time I am seeking employment and looking for some assistance in order to deal with all the extra interest I have been paying since the housing recession in XXXX. I need a lower payment in order to keep the loan up to date.
Product: Bank account or service

I deposited our state tax refund check. Which was made out to ( my wifeand I ) XXXX and XXXX XXXX. I deposited it at the merchant square PNC branch atm. That was at XXXX on tuesday XXXX/XXXX/16. Then I recieved an email at XXXX hrs on XXXX/XXXX/16 that the check was not able to be deposited. I had to call pnc and was very Irate and had to get transferred to the escalation team lead who could n't do anything for me. I was told it was pnc 's policy " not to allow checks to be deposited when they 're made out to people not on the account. '' I responded my wife signed the back of it and I signed the back of it. I then asked for the specific policy ; which they could not find. They responded you signed the " checking account agreement. I asked them to read where it specifically says that. Again there was nothing stating that. They said I would recieve the return check within 10 days. I asked why ca n't I go get my check from the branch where I deposited it. They explained I would be getting a copy of that check and not the original. Then I would have to bring it to the branch along with my wife and her ID. I said I want the original check if not and it was a copy then Pnc should have it on file or in the computer and I should just bring my wife and her id to the bank and they just check it. They said that could n't be done. I demanded the original check then. They then were trying to get off the phone and telling us they would cotact us tomorrow XXXX/XXXX/16 at noon I told them I will already be at the branch way before then and that this situation should be taken up soon as they open. This is not the first time these mf'rs have had my money and told me what there going to do with it. I want something done. People 's money and bank accounts should be handled with respect and urgency! This is unethical business practice.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for and was granted a {$3400.00} credit limit with Alpheon last XX/XX/XXXX. They never informed me of any cancellations that come with not using the card within a certain time frame. On XX/XX/XXXX I called the company to ask them what time frame I had to use the card due to my XXXX coming up soon. On the record line the agent told me I had until XX/XX/XXXX to use my card and that the card does not have an expiration date. In XX/XX/XXXX I contacted Alpheon to request a credit limit increase and was informed that my account was closed on XX/XX/XXXX due to inactivity. Till this day I still have not received any letter of closures from the company, and if I never called them on XX/XX/XXXX my account would still be opened. I contacted the company on numerous occasions which were all recorded but still received no resolution to why my account was closed. The customer service agents hung up on me several times and after the seventh phone call I still got nowhere with them. My XXXX is coming up and my doctor already has all of the card information on file which I can no longer use for my account closure. I want my account reopened, all my phone calls to be listened to, and I want the agent who closed my account not held accountable. Keep in mind Alpheon is on my credit report along with the inquiry.
Product: Debt collection

I receive anywhere from 5-8 phone calls a day from Comenity Bank . They call from a regular number once then they will call from an no caller ID number as if to annoy me with a barrage of phone calls. Ive tried to pickup and answer the call when no caller ID calls come through and no one is on the other line. These calls only happen when Comenity Bank is making numerous calls per day. I received a call today at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXm sure Ill receive at least one more call today. I feel threatened and harassed by this bank and their relentless calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXhas  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 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
Product: Vehicle loan or lease

I verified with an account rep that I had ten days to submit car loan payment. I logged and submitted the payment on XXXX and received confirmation. Today XXXX I received an email from the business stating that the payment was received on XXXX but they reversed it on XXXX and assessed the account a fee. I called my banking institute to inquire about the ACH transaction, they rep verified that the funds were available. They also denied that a transaction was blocked by the lender. Directly after that call I called the lender who proceeds to tell me the reason they reversed the payment was either because the financial institution blocked the transaction or insufficient funds. My checking statement will verify that the account had more than enough money to cover the loan payment. The lender is using deceptive practices when processing payments, and applying fees to increase the corporation 's revenue profits while trying to hold the consumer responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.
Product: Credit reporting

I HAVE DISPUTED WIT H TRANS UNION OV ER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  ,  XXXX ,  XXXX  I DO NOT RECOGNIZE THESE INQUIRES AND  TRANS UNION S TATES THEY VERIFIED THESE INQUIRES AND I KNOW THEY DIDNT BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRES
Product: Debt collection

On XXXX XXXX, 2016, I received a demand letter from Credit Corp. Solutions, Inc in the amount of {$6900.00}. 

I am disputing this demand letter of XXXX, because it does not belong to me. I want proof of this debt of identity of who opened this account. 

Also, the demand letter was written in XXXX I do not read, write, or speak XXXX. This letter should have been written and sent to me in XXXX.
Product: Checking or savings account

Chase bank mishandled a dispute with a merchant. 

XXXX at the executive office at XXXX ( extension XXXX ) ( actual transcript ) : Me : XXXX minus XXXX is not XXXX GA XXXX : OK again MR XXXX WE CAN DISPUTE ( That ). 

No we cant dispute math, its facts. I was scammed and Chase helped them. 

Shes in Chases executive office and shes letting foreign scam companies charge checking accounts without providing any services!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them several times trying to submit insurance information for this bill and they refuse to accept my information. I gave my information when I was admitted to the hospital and I can't help if the didn't properly file my information