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

I received an alert from my bank that my credit rating changed. I looked at my report and saw there was a drop of 104 points from XXXX to XXXX on my credit score. The statement showed the negative report came from XXXX XXXX Barclays Bank Credit Card. I placed a block on my Barclays XXXX XXXX  credit card back in XX/XX/2020 during the Covid Pandemic. On XX/XX/XXXX XXXX  Yearly Plan my security system charged Barclays credit card for {$90.00}. I contacted XXXX XXXX and advised them on XX/XX/2020 that this charge should not have gone through because the card was blocked. XXXX indicated they would reverse the charge and put the charge on my XXXX XXXX XXXX. XXXX  I found out today only credited back to Barclays {$82.00} rather than the {$90.00} stating that it was prorated for two days. I never once received a bill for {$7.00} which now turned into XXXX. XXXX XXXX sent me an email verifying our conversation on XXXX XXXX, 2020 which I will attached below. Also, I spoke with a supervisor at BarclayXXXX who apologized for the error stating " I see you spoke with an agent in XX/XX/2020 and requested to have your card blocked '' she further states " we are sorry for your inconvenience and will notify credit agencies on XX/XX/2020 to remove the negative report. I said that's much to long to wait. XXXX the supervisor said " we only report to credit agencies once a month ''. I am so upset I have never been late on a payment my entire life and to have my credit score drop 100 points for Barclays error is horrible. Please rectify this error as soon as possible. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XX/XX/XXXX Loan amount : {$300000.00} The property was valued at {$640000.00} First of all the assessment value was very high in fact too high for the property at the time XXXX. The true property value in XXXX was closer to {$530000.00} which is a big red flag. 

The RMS reverse mortgage solutions. broker mislead an XXXX year old veteran who is now XXXX in XXXX. RMS false representations that the loan would not have to be paid back and his heirs would be able to live in the home in fact inherit the home without any fear of penalty or interest or having to pay back the loan. Which is not true, the loan must be paid once the owner passes away. The loan amount must be paid in full or pay 95 % of the assessed value of the home. The broker made the reverse mortgage sound very appealing adding there is no risk of losing your home at any time. Which is not true, if you default on the terms of the mortgage such as maintaining property tax, homeowners insurance and maintenance of the property you may lose your home. It will be very difficult nearly impossible to repay the loan in full to retain ownership which will result in having to sell the property to pay the entire loan amount. My elderly father was mislead with RMS false representations. He is now faced with his heirs not inheriting his home as he was reassured that would be possible. His wish was for his home to be an inheritance. Which regrettably is no longer a possibility. I hope this post may help others ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal complaint against XXXX XXXX XXXX for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. XXXX XXXX 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on XXXX XXXX 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, XXXX XXXX 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.
Product: Debt collection

These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} TransUnion : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

Debt is stale, from 2003. 
Original debtor discharged this debt ; MCM collection agency has failed to provide verification and that debt was sold to several different companies.
Product: Payday loan, title loan, or personal loan

I contacted PNC bank after I received their letter and was told they were ending their relationship with this insurance company so they were canceling my coverage. THis is nine years into a 12 year agreement. The only option they gave me is to contact the insurance company and try to obtain this coverage myself. I have paid for this insurance for nine years and it is a part of my original loan agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX  XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on XXXX/Equifax/XXXX  this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.
Product: Credit card or prepaid card

XXXX  XXXX, Hurricane Harvey hit the XXXX area and flooded my home. I was not able to get in contact JP Morgan Chase since I lost everything. During the month of XXXX, I was able to start contacting creditors including JP Chase. Thats when they notified me that account was now close and will not be able to open up. The customer service rep notify me that there was nothing to be done and it will sent to collect. " saying i don't care if you were hit with a hurricane, you owe chase money! '' I still tried talk to several customer service reps and the same answer. Please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXXXXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows 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 credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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.
Product: Debt collection

I XXXX XXXX canceled XXXX XXXX operator and paid their last mailed bill of {$53.00} on XX/XX/year>. Reference number:XXXX Since then I havent received any more bill. Today XX/XX/year> I got a notification email from my XXXX XXXX saying there was a significant change in my Credit score ( XXXX points ) and a debt collector named Amsher collection service owe {$14.00} assigned by XXXX XXXX as their client. 
I never got any mail from Amsher about this amount and unbelievably they put derogatory remarks in my credit report including XXXX points deduction. 
1. My question is how a mobile operator didnt send bill by mail or email to the customer and directly send it to debt collector?

2. How a debt collector reports credit union about {$14.00} payment missing without sending mailed notification to the customer?? 
I believe there was no payment remaining after I paid {$53.00} and I am speechless how XXXX XXXX can do such XXXX  work with customers. 
My XXXX XXXX account number was : XXXX
Product: Credit card or prepaid card

On XX/XX/21 I used a phone number that I googled and believed to be the Wayfair credit card payment line to pay my recent credit card bill. I made the payment and was told I would receive a statement of the payment, but it was never sent. On XX/XX/21 I received a suspicious phone call saying that my transaction had not been completed and that I still owed them my bill. When I called number listed on my bill, I was told that my account was now overdue and was not directed to a customer service representative to resolve the issue. I am confused because each time I call, I have a different answer. They either say they can't find my account or that I owe a debt. I also don't understand why I can't get a customer representative to help me. When I was able to find one on XX/XX/21. I feel that I have been scammed. I don't know if my information was stolen or if there is a glitch in Wayfair 's system
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to inadequate security and monitoring measures, the company Equifax permitted my credit information and the credit information of my wife to fall in the hands of bad actors. This misuse of my credit information has caused worry, potential future fraud, and very likely identity theft by the bad actors.
Product: Student loan

I am a victim of the illegal practices conducted by Navient. I was contacted by phone by an automated system letting me know I can request forbearance of my loan and then I was emailed and was asked to reply with a simple " Yes '' in the email if I wanted to participate in forbearance. I have done this 3 times because now I am in a cycle of increasing the interest on my loan and not earning enough money to pay it. I thought the emails were too simple a solution to my problem but I had trust in Navient and their solutions and debt managing. I do n't know what to do but I am glad that they are being sued by the Federal government.
Product: Debt collection

I submitted a written request back on XX/XX/XXXX just 7 days ago to regain access to my accounts online and on the mobile app. The request was approved. I am now being denied access to speak to the fraud department who's elected to deny speaking with me further regarding my open fraud claims after submitting my declaration of forgery and the statement of fraud and police report, along with a written request via the demand letter. Navy Federal as also elected to ignore my attempts to resolve the open collections accounts that were a result of fraud on my accounts and open profile that occurred over 6 years ago. Navy Federal has taken funds deposited to me for my living expenses for fraudulently opened accounts that have now been charged off. I have now been told by your customer service on phone calls that the fraud department will no longer speak to me further because I am calling them to much. I can't even get an update on the open fraud claims that were submitted for the old accounts in collections. I was denied access to the funds in my account prior to Navy Federal withdrawing the funds because you declined all of my transactions stating that you couldn't remove restrictions on my debit card because you all couldn't use the updated telephone number and email address on file even though you've accepted my previous requests from the same email and as recently as XX/XX/XXXX you sent an OTP that verified my identity as recently on XX/XX/XXXX you removed restriction on my debit card after I called in and provided my recently updated account password. I've made it clear that I don't have access toa Navy Federal where I am currently located, and I've been sent in circles trying to access my funds. I am requesting that the funds taken out of my account by collections be returned. I'm requesting that any and all restrictions on my debit card be removed after you've identified me as of XX/XX/XXXX and approved my request. I'm requesting that the notes on my account denying me access to speak to the fraud department regarding any and all matters related to my accounts be removed. I have been a loyal Navy Federal member for over 10 years. I am now out of {$1500.00} dollars due to the negligence of the credit union.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX unauthorised Hard enquiries on my account which are XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts on my credit that mostly XXXX is reporting incorrectly but also a few on XXXX and Experian. 
The first is a public record that is hindering my ability to qualify for credit. XXXX is around 60 points lower than my XXXX and Experian score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from Experian and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXX  XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXX is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy.

This is my last attempt at correcting it myself before getting an attorney involved.
Product: Credit reporting or other personal consumer reports

The details listed on these papers are not mine. Please correct all details as soon as possible.
Product: Money transfer, virtual currency, or money service

I have been a long-time user of Zelle, utilizing it since its inception, particularly through XXXX XXXX , which integrates Zelle for convenient money transfers. Despite its ease of use, I have encountered security issues that have made me hesitant to rely on the platform. Over the past few years, I experienced two incidents of unauthorized transactions that resulted in significant financial losses. The first instance occurred over two years ago when around {$850.00} or {$800.00} was stolen from my checking account. Upon contacting my bank, I was informed that they could only lock my account and issue a new account and card, but no further resolution was provided. Unfortunately, I lacked sufficient documentation, such as screenshots, to support my case. The second incident involved a fraudulent transfer of {$650.00} to an individual named " XXXX XXXX, '' and once again, the bank 's response was limited to locking my account and issuing a new card. Due to these repeated breaches, I have significantly reduced my use of Zelle, opting instead for alternative platforms like XXXX and XXXX, which I find more secure and reliable for my financial transactions.