23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One stated that my bill was due on the XXXX of the month. Payment was made on the XXXX of XX/XX/2023. Payment from consumer bank showed payment was posted on the XXXX of XX/XX/2023. Capital One refused to post payment as well as available credit added to card. Called Customer Service for Capital One and was advised that there is a hold placed on the account. No correspondence was given to card holder in regards of Capital One withholding credit after payment has been received. Help desk couldn't explain the reasoning behind this phantom hold. Payments has been made using this method previously, how ever this new method showed inconvenience to the consumer who underneath the consumer 's law is being violated of the credit that is owed from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXXXXXX XXXX I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX. I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX. They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.
Product: Credit reporting or other personal consumer reports

I have sent XXXX XXXX numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint is for TCF, Identical complaint filed for XXXX XXXX XXXX There are two lenders involved in my complaint. I had a HELOC loan with TCF bank that sold my loan to XXXX XXXX  XXXX  back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX  with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.
Product: Credit reporting or other personal consumer reports

WFBNA account # XXXX For over two years, I have been disputing XXXX to have this account removed from my credit report. I formally challenged the accuracy of the information reported by XXXX, XXXX, and XXXXprivate companies that collect and sell datadue to the inaccuracies present. I am frustrated by my repeated attempts to have this information removed, only to be ignored by the company. This situation has negatively impacted my credit, preventing me from applying for loans and lines of credit, resulting in higher interest rates and denial of credit access. I AM protected by law and XXXX IS BREAKING THE LAW 15 U.S. Code 1666b 15 U.S. Code 1681e
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, XXXX, XXXX [ Date ] [ Transunion ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report, I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from transunion dated XXXX XXXX. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report. 
Thank you for your prompt attention to this matter. 

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

On XX/XX/year> while I was requesting some information from my bretheren from the church my XXXX went haywire and shutoff then a blue screen took it in the shop could not shut it off and my issue I was hacked just as XXXX  said so i BOUGHT A NEW PHONE BUT AFTER THAT MY LIFE went to XXXX as XXXX accounts shoed up on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncorrectPersonalEmployers XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect addresses XXXXXXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXXXXXX - Incorrect Address XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a second dispute letter to Prosper Market Place and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX  and XXXX has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.
Product: Debt collection

I have contacted this collection agency and have been getting the run around. I was reaching out to verify the address to mail my dispute letter. I never received a notice about this debt and I currently have another phone carrier during the year it said that the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a dispute was filed, I received a letter from LexisNexis dated XX/XX/2019, revealed said information was verified. 
On XX/XX/2019, I submitted a certified letter to LexisNexis requesting the Method of Verification used to determine the validity of the information reported in my credit file. To this date, LexisNexis has failed to respond to this request ; therefore, placing them in violation of the FCRA ( copies mailed to CFPB ).
Product: Credit card or prepaid card

I was offered a new card and I thought it would be the better than original card! So I closed old account but didnt realize I that was my longest open card XXXX XXXX and that did not transfer to the new card! 
I have called and begged and pleaded to open old card that I had 30 days to change my mind but to no avail! 
I have also tried to call the bank that issued the card but there is NO way to speak to a representative unless you have a valid card. 
Macys is the department store and Citi is the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company and stated that I have not given this company permission to access my credit report. They informed me to contact the credit bureaus. I have not received any updates! 

XXXX
Product: Debt collection

When switching to XXXX they where to pay it but didnt. By time on my credit was during covid shut down and couldnt pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist ran an application for a loan and could not finish the process due to systems failure. They said call back later or go into a branch and all forms that were signed will be erased. They left a Hard I quirky on my Credit.
Product: Debt collection

Consumer Adjustment Company showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX XXXX  XXXX XXXX I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to XXXX XXXX XXXX on XX/XX/XXXX about a XXXX cell phone balance, to validate the debt they claim I owe with any formal agreement or contracts or to remove this debt off my credit report. They have been reporting to my credit report for years that I owe {$350.00}. I have NEVER had a XXXX as my phone carrier service. On XX/XX/XXXX I got a letter back from them sending a bill of the amount owed. But again I never had any service with them. And a bill does not validate or truly verified I owed them. They refuse to send any agreement or contracts. And I ask them to stop reporting if they cant send me a contract or some kind of agreement. Someone had to had this cell phone in my name. After research I was told I can file a complaint. I just want this to be remove off my report because it is unfair to have something negatively reporting on your credit that you have no knowledge of.
Product: Student loan

I have been eligible for XXXX XXXX XXXX XXXX since XX/XX/2022. Mohela and Dept of Education have not processed my application. It has been almost 6 months of waiting with no answers. Mohela stated they are unable to give me a timeframe for forgiveness due to Dept of Education dragging their feet. After serving in public service for 10 years, I have earned student loan forgiveness. I am stuck in administrative limbo and my loan servicer cant provide any information because of the Department of Education. When I call for updates, I am told to be patient and that no information can be provided regarding an actual discharge date. Something is seriously wrong with the XXXX process.
Product: Mortgage

PHH Mortgage Company has repeatedly refused to allow me to change my auto-draft payment amount, date and preferences, during the instances when i attempted to change auto-draft settings online during the month of XX/XX/XXXX and during phone calls I initiated on XX/XX/XXXX and XX/XX/XXXX. I have been trying to change my payment account due to a change in my banking account provider. The account that is currently identified as the auto-draft account no longer exists, yet PHH representatives have informed me that I may not change the auto-draft preference since it is past the XXXX of the month - however my payment is not due until the XXXX of the month. This has impacted me negatively because PHH has penalized my account with late fees added to my mortgage amount due during the month of XX/XX/XXXX, and XX/XX/XXXX.
Product: Bank account or service

On XXXX XXXX I called wells Fargo bank about a ACH transaction that was scheduled to hit my account however I was not able to see it so I wanted to confirm that it was not returned and will be paid, The customer agent confirmed that just like me she could not see anything pending on my account and assured that my deposit had gone through already as of XXXX so I should have enough funds to cover the transaction when submitted. I checked my balance all day and everything was fine and suddenly late afternoon I saw that the transaction was processed first before my deposit and the bank charged me a {$35.00} NSF fee. I called them and asked why they would process this transaction first and why was n't it showing as pending before, why the customer agent assured me that no fees will be assessed the agent replied and said that this transaction was actually submitted on the XXXX. I replied that this could not be true because their own customer agent could not locate it in their system, then he told me that we can still process it by noon the next day and charge you a fee if necessary. I replied that it was about XXXX when I saw the transaction post and that did check at XXXX XXXX and nothing was there so even the cutoff time was not accurate. last but not least I told him that I have a limited checking account that does not allow for overdraft to begin with so why would they break their own rules and pay this item instead of returning it as they were supposed to. he could not help he transferred me a another department called executive customer care who opened a case ( case number XXXX ) promised to review the recording and see what the agents promised then call me within one business day with a resolution but I never heard from them. I believe this bank continue to pray on certain groups of people. they have unfair business practices especially how they process transactions to benefit themselves and hot customers with unnecessary fees. this is again biased unfair and they can not continue take advantage of consumers and steal their hard earned money which they were already found guilty of doing. I 'm planning on closing this bank account, tell my friends and colleagues but I need to recover the amount they stole from my account prior to doing that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX Account # XXXX Charge-off : XX/XX/XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately. Thank you,
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into Bankruptcy court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record of XXXX XXXX XXXX on my report. I was informed to inquiry with Experian and XXXX. Also I checked with XXXX XXXX and they informed that public record information comes from XXXX. I then contacted XXXX and was told that XXXX XXXX does the reporting of public records ie BK 's not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the Bankruptcy Cases I want to be removed, it is not a reflection of my character. I want XXXX, XXXX XXXX and Experian to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXXXXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX
Product: Checking or savings account

A fraudulent transaction was made from XXXX for {$1500.00} that was withdrawn from my checking account on XX/XX/XXXX. I received a call from 'Citibank XXXX inquiring if I authorized payment of {$1500.00} to be transferred to someone in XXXX XXXX I replied 'no ' ; I did not authorize any such transaction. They proceeded to ask me to verify my information and open my online banking app on my phone. 

I grew suspicious and told them I did not authorize any transaction, nor did I ever use XXXX and that I would go to the bank to handle the inquiry. 

I went to the bank and we closed out my account and stopped my debit card. The bank manager tried to get information on the fraudulent activity, but we could not reach anyone who could help us. We stopped transactions on my accounts. 

I have yet to receive resolution from Citibank as they claim I authorized the transaction. I have requested information on their investigation and have never received any information on the investigation. I have attempted to call XXXX, but they will not speak with individuals, only people from the Bank. I have never used XXXX and am a CitiXXXX customer for over 30 years.
Product: Debt collection

This is an ongoing matter of identity theft. My identity was stolen in 2022. I have made a complaint similar to this one many times. Today, XX/XX/XXXX, a debt collection appeared on my credit for {$200.00} to XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have never lived in Florida. I just bought a home in Connecticut. I called the company as well as emailed them disputing this debt. They said I would need to fill out a " fraud packet ''. I have yet to receive this packet via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Equifax along with copies of my identity theft report, proof of where I have lived for 4.5 years on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and they still continue to say I am responsible for a debt that is on my credit report even though again, I have told them and given them documentations that show that I am a victim of fraud. The amount of the fraud is for {$6200.00} with XXXX XXXX via XXXX XXXX XXXX XXXX who is also not giving me proper documentation so that I can have this fraudulent account removed from my credit report. The proof I have given them should be plenty sufficient to prove that I am not the one who rented this apartment and that I am a victim of identity theft.
Product: Credit card

I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( assest recovery services ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to XXXX bank in my previous name that I have not held in 15 years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had 7 years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away. They have continued to contact me via mail after I asked them in writing to no longer contact me.