23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XX/XX/XXXX XXXX {$9700.00} XXXX XX/XX/XXXX XXXX {$8000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld XXXX XXXX is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so. Please note the attached FTC report and my driver license. Please remove it from my credit
Product: Debt collection

I have filed a fraud report. XXXX XXXX has put a collections on my XXXX and Transunion credit report and the debt is not mine. I paid all my medical bills with my insurance. I would like Transunion and XXXX to delete this collections off my report and block the collection agency from ever adding anything again.
Product: Checking or savings account

On XX/XX/2020I received no notice from my bank USAA that close my account with no warning and close my account in 60 days. They cut off all assess to my account where I could not get any my money out my account. Which was XXXX then went to XXXX in my account. I ask for supervisor ib regards to why my account was closing and they said was because suspicious activity with disputes. I said that was nothing suspicious. when in order
Product: Credit reporting or other personal consumer reports

I tried to fix this issue for several times and send my first dispute letter last XX/XX/XXXX but I never received any response from the 3 credit bureaus. I demand to delete this negative accounts and inaccurate inquiries listed below. I also attached my ID and copy of my current address to proof that I'm the one who send out my dispute letter not a 3rd party. Also I attach my dispute letters and FTC Report for proof. Thank you Please delete this items now! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have 2 HELOC with Wells Fargo and have been paying more than minimum for approx. 15 years, yet my balance remains unchanged
Product: Credit reporting

The information is still remains. I just received a response from XXXX which is a collection on my Equifax report that responded through the CFB case # XXXX that they were going to remove this collection.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXXXXXX ) Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX
Product: Debt collection

There are 2 marks on my credit from this collection agency. I paid the debts in full and was informed that the company would do their part in deleting these marks from my credit report. However, it has been over a month and my credit report is not showing an updated status to these debts as well, they have not been deleted from my report all together which, upon speaking with a representative to pay the debts, ensured me they would delete the reports.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other accounts.
Product: Checking or savings account

I realized I was defrauded when I did not receive the items I ordered on line for {$59.00}. I tried varies avenues to locate the company but every email I tried was reporting scam, I could not obtain a phone number to contact. I immediately reported to my bank, Chase. They gave me a temporary credit for the {$59.00} until further investigation. On XX/XX/2023 I received a call from XXXX XXXX, Supervisor from Chase Claim Department that they were going to debit my account of {$59.00} because she spoke with the merchant and they said the package was delivered to my home and they provided to her my name and address for proof, so on XX/XX/2023 we are debiting your account of the amount of {$59.00}. XXXX XXXX gave me the USPS Tracking number and said I could verify it myself. I immediately accessed the internet at USPS. com and put in the tracking number and found the information XXXX XXXX said was there was not. The tracking information from the postal service stated a package 8oz was delivered to a Mailbox. There is no address, no name just stating a First Class Package. A first Class package in weight is no more then 3.5 ounces. I ordered ( 2 ) two suitcases. I have been to the Chase Branch in XXXX XXXX XXXX XXXX, XXXX Ca XXXX and spoke with Branch Manager, Ms.Jannett. I submitted a formal statement complaint with a clerk there at the bank along with documents as proof I submitted to her the tracking information, I submitted to her the Police Report Number,. I pointed out to her the information on the tracking that there is no evidence that I received the 2 suitcases I ordered and I am a victim of a scam. But they are treating me like I am the scammer. Organizations like the Bank should have varies classes in educating staff and Management the avenues in these scams without putting more unnecessary stress on there customers who entrust them with our money. The scam is enough.
Product: Credit reporting or other personal consumer reports

Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX  credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been XXXX days as reported in XX/XX/XXXX XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in XXXXwo payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.
Product: Credit card or prepaid card

To Whom It May Concern, The company involved is Capital One ; City of Industry, CA. 
I have had a credit card w/ Capital One for several years, however, I paid off this account and destroyed my card, and never ordered another one. ( My wife also destroyed her card years ago, & is still paying off a smaller balance on that card ... on time, every month! ) Just about a month ago I received a statement in the mail, claiming I had a previous balance of {$100.00}, and now stating that I owe {$140.00}, as of XX/XX/2020 ; w/ a 'minimum due of {$93.00}!? ' What??? ( Just received this late last week. ) First of all, as I mentioned, I do not even possess a credit card with Capital One, as I destroyed it years ago and never ordered another one! I have made NO purchases through this corporation in YEARS!, and they continue to send me statements that have been showing XXXX balance, up until now!? ( Just another annoying factor! ) I have been unavailable and had my wife call Capital One on Tuesday, XX/XX/2020. ( She called : XXXX ) She immediately asked for a supervisor, spoke w/a man named XXXX, explained the entire situation, and he then transferred her to the 'collections department.??? She then was speaking with a man named XXXX, and once again explained the entire situation. XXXX proceeded to tell my wife that something was charged in XXXX.? Really???, not by me! 
Today, Tuesday, XX/XX/2020, I receive another statement reminding me that my payment is due by XX/XX/XXXX! Payment for WHAT? ( certainly a form of harassment! ) When my wife asked XXXX what the charge was, he rattled it off very quickly.? She then asked him to send a copy of the charges ( the actual statement showing the merchant & purchase ) ... as I've NEVER received a statement showing these 'fraudulent charges! ' He said he could not, that he'd have to talk to me or send it to me? Why doesn't he then??? I live at the same address as my wife!? Another suspicious, odd circumstance. 
Capital One is a horrible, greedy company that preys on it's customers! We've had cards w/ them for quite a few years, & when my wife was very conscientious w/payments, she asked them to work w/us on the interest. They said the COULD NOT! 
They are a crooked, money-hungry company, and we can only hope and pray the truth be known, so they stop harassing and scamming poor, innocent customers!!! 
Thank you for your immediate attention to this matter.
Product: Student loan

Navient has taken auto debated from my account for two months after payoff of my Federal Direct student loans. The first withdraw was after full payment, the second withdrawal was after auto withdraw enrollment had ended. Navient also adjusted a balance onto the account at the time of the second withdrawal XXXX XXXX documents signed and returned. Checks for {$120000.00} sent to Navient XXXX Navient posted the received amount with resulting {$89.00} credit ( Date of zero balance ) All loans posted correctly. 
XXXX Navient initiated auto withdrawal of {$1900.00} from Savings Acc. ( Should have not been withdrawn ) After calling in, the rep. stated that the payment would be reversed and that the money should be going back to the savings acct. Agent of Navient suggested contacting bank. 
XXXX XXXX, payment reversal of XXXX posted to account. 
XXXX XXXX bank stated there was no indication of payment reversal. Explained the situation to the bank, Funds refunded. Stop Hold placed on account. 
XXXX Navient posted new balance of XXXX, backdated to XXXX, no capitalized interest as of XXXX, but now earning interest. 
XXXX Navient initiated auto withdrawl of XXXX from Savings account without permission and without being enrolled in auto withdrawal. 
Navient claimed the XXXX withdrawal was blocked, my bank claims the money has already transferred to Navient. 
I 'm asking that Navient send a payment in full letter dated for XXXX/XXXX/2016 per payoff date. I 'm asking for XXXX payed per overpayment. In addition, I demand quick response and return of the funds amounting to XXXX taken without permission or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I put in a dispute with Experian for an inaccurate account on my credit report. By XX/XX/XXXX, the dispute was resolved, and the account was exactly the same. I was not shown how the account was verified or notified by writing the methods they used to verify this account. On XX/XX/XXXX, at XXXX ; I called and spoke with a representative at Experian about the account that wasn't properly verified because it didn't go through the proper 30 days process to verify the account, nor was I notify of the verification process. I requested that the account was re-investigated and that I was provided proof of the verification process in writing. The representative stated that they can't verify information and just re-report whatever the creditor says. I stated that how is that possible when the point of the verification process is to verify the account for inaccuracy. The representative stated that they don't do that they just report the accounts no matter if its wrong or not. I told her that this was against the law and asked to speak to a manager or supervisor, the representative stated that the manager or supervisor wasn't available and then hung up on me. I have several inaccurate accounts on my Experian credit report that I have requested to be verified and hasn't and haven't been notified of the verification process. I also can't re-dispute the account as I have been blocked to submit the dispute again. Please help with this I am a teacher trying to purchase a home for my family.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX has violated my rights. 

I looked at my Experian, XXXX, XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Please cross-reference with complaint XXXX-XXXX. They wrongly closed out my complaint. I bought up the rate on my mortgage, meaning that while Region 's paid most of my closing costs, I have to pay a mortgage rate of 4.3875 rather than a par rate of somewhere around 3.875, meaning that I will pay thousands of dollars more over the course of my loan. Region 's significantly changed the fees disclosed to me in the Loan Estimate presented to me. Region 's sent my complaint to their Compliance department but their Compliance department only reviewed it with technical regulations in mind and that because Region 's paid the closing costs, they stated that they were fine in changing / increasing the fees I was disclosed. In their eyes, I therefore lost all my consumer protections because I bought up the rate. If / when Region 's sells this loan off, they will make thousands of dollars off of the increased rate for someone with an XXXX credit score. I feel this is extremely unfair, deceptive and abusive. I passed this up to the very highest levels of management, speaking to XXXX XXXX, Regional Mortgage Manager. He touted his resume, told me that this store had a 100 % customer satisfaction rate, asked what I wanted ( to which I responded I just wanted to pay what I was originally disclosed ), told me he would research my issue further and get back to me ; it was two weeks and multiple calls from me to the call center before I spoke to XXXX XXXX again - at which time he had four additional people on the phone and told me he was bringing closure to this issue and that Regions would not do anything further. I feel that due to the flippant nature in which my complaint was handled, the lack of proper governance and controls, the lack of an effective compliance management system and the willful negligence and unethical behavior exhibited by Region 's, the CFPB should conduct a further investigation as to the manner in which other customers who bought up their rate were treated and to see if the amounts they were originally disclosed also increased as mine did. This could bring about a rather large enforcement action against Region 's. Additionally, the co-borrower on this loan is an XXXX XXXX Servicemember / XXXX and is about to leave for a deployment overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to record, on XX/XX/2014, a " XXXX '' bank card was opened in my name in the amount of {$400.00}. I did not consent nor authorize this account to be opened. Since then the account has gone into a collections account monitored by a company called " XXXX XXXX '' for the amount of {$1000.00}. 

I have paid a credit repair service to dispute this fraudulent account but the account has not been removed yet.