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

Called on XX/XX/22 to call about my XXXX XXXX XXXX I had. Was told that they would waive the late fees due to not getting statements that the balance due was XXXX. I paid that balance in full on XXXX XXXX only to get mail that says I paid the amount above on the date listed but no fees waived, another fee, interest assessed, and false report made to credit bureaus. The statement and right to cure are dated for XXXX and feel that this is deceptive a violation of my rights under the fair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continuously having an issue with Equifax putting a freeze on my credit report, which is interfering with the mortgage company from retrieving my credit report and score. I am in the process of buying a home and this is the only credit bureau that freezes my credit report and score. I have verified that the mortgage company is putting my information in correctly. I have also called equifax to verify and resolve the issue but equifax is not removing the credit freeze.
Product: Mortgage

I refinanced my home XX/XX/XXXX and paid off my mortgage with Ocwen. The financing company paid an additional fee so that Ocwen would record the discharge of Ocwen 's mortgage against my deed. I discovered on XX/XX/XXXX, while trying to obtain a home equity note for my home, that this discharge was never filed. All Ocwen would tell me is that it still shows pending and that they would have to research it. I submitted a research request on XX/XX/XXXX but have heard nothing from their company.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( items ). 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Two transactions were made with my debit card information on XX/XX/XXXX. The transaction ID belonging to XXXX. I did not make these transactions. I had my debit card at the time of purchase. I do not even know who XXXX is. The transactions amounts were for {$40.00} and {$20.00}. I immediately reported these transactions to Chime Bank and they made me wait until the transaction cleared to dispute it. Upon clearing I disputed the transactions and my requests were denied within 6 hours. Upon further investigation this scam is common among Chime users and everyone 's experience is the same as mine with Chime declining these disputes and not blocking this company from making withdrawals from people 's accounts.
Product: Checking or savings account

Our small business checking account through BBVA was acquired by PNC. PNC refuses access to online statements prior to XX/XX/21. The nearest branch stated that statements can be mailed for a fee of {$15.00} per statement and that online access to statements from BBVA are no longer available.
Product: Debt collection

I have been contacted by a company call TSI in reference to a XXXX XXXX charge that was falsely charged to an account that I no longer have with the company. My account with XXXX XXXX had been turned off for several months. With no consent or request on my part the service was restored under what appeared to me as a promotional run. Some time after XXXX XXXX debited my bank account for XXXX fully knowing that my debit card was authorized for a one time, ONE TIME, payment before the service was disconnected. Under no circumstance did I ask them to turn the service back on, nor did I authorize an auto debit from my account. This was a XXXX XXXX error not me as a customer who did not ask for my services to be restored. I immediately disputed the charge with my bank and my brother and I called XXXXXXXX XXXX to rectify the theft. After reviewing the account they saw the error on there part and a refund was credited to my mother 's bank account that was on file in XXXX of 2024. In XXXX, I received a letter from a collection company called TSI stating that they were managing the XXXX account with the remaining balance of XXXX the exact amount XXXX XXXX had taken from my mothers account in XXXX with no authorization. When I explained the situation to TSI letting them know that this was a false charge and that XXXX XXXX refunded this exact amount due to there error and the unauthorized charge they begin to state that the money was still owed and they would be pursueing me to collect on the debt. This is unfare and not integral. XXXX XXXX should have never sold this as a debt. They knew the error was on there part and they have sold to an aggresive creditor to try and further still money for an error that they made. My mother and I both are senior citizens and I understand that this is how creditors take advantage of people like us who are elderly. It is not fare and should be handled fairly. I am asking that this debt be resolved with XXXX removing the debt and TSI removing the debt due to XXXX XXXX owning the responsibility of the error they made instead of trying to pass it off to me as the customer. They are asking me to be accountable for a debt that I didn't authorize neither for the service or from them to steel from my account. They should be accountable for their actions and take ownership for what is right.
Product: Credit card or prepaid card

Opened a Chase XXXX Prepaid Card onXX/XX/2018 and loaded {$200.00} to start. Once I received the card I loaded another {$400.00} on XX/XX/2018. This card was to serve as a card on a shared gym account payment and a way for both of us to load money to it while getting XXXX credits. He went to load money on it and it gave him an error, I called Chase and they advised they were having system errors and to keep trying, no issue with my card. We continued to try through XXXX with no success so around XX/XX/XXXX we went into a Chase branch and they advised the card looked like it was closed. I spent an hour on the phone while there with Chase Customer Service who looked it up and said I meet all the parameters, I had the online account and she called her collections dept and she verified I had no collections with them so there was NO REASON this account should have been closed but it was, and I would receive a check in 5-7 days for my {$600.00}. XX/XX/XXXX, still no check so I call and demand to know what is going on-AGAIN. Some escalation team lady called me back and tells me the account was NOW JUST CLOSED on XX/XX/XXXX and there will NOW be a check being mailed to me. I again asked her WHY it was closed and she had no answer. Today XX/XX/XXXX she calls back saying that I logged in on XX/XX/XXXX and then the next time was XX/XX/XXXX, they ran some " script '' on XX/XX/18and because I wasnt logged in " enough '' they closed it. This makes ZERO SENSE! AND, if they in fact closed it THEN, then WHY have I not received my money yet and why was I not informed or contacted regarding ANY of this nor informed when I called in numerous times trying to load money. This is not right. I also contacted XXXX who had nothing to say about it and referred back to Chase. Who is accountable for this, I met all the parameters, did everything in the contract for the card, and I am still out {$600.00} which is supposedly being sent to me. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account.
Product: Debt collection

In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, Allen and Associates. Allen and Associates contacted me and I provided my proof of payment. One year later I was contacted by a legal firm, XXXX XXXX threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later XXXX has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

XXXX has also filed a credit default with the credit agencies which is false. 

As XXXX indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.
Product: Credit reporting

case # XXXX previous dispute ( see attach ) was delete when I receive the email from cfpb and 1 day later the put it again???
Product: Checking or savings account

I opened a checking account XX/XX/2024. I deposited {$150.00}. Then I changed my payment information for my phone to draft payment from this account. XXXX days later when I tried to log in to my account through my phone, I got an error message saying there was a problem with my information not matching so I called the customer service line. I asked them about why I couldn't log in and they informed me my account was frozen due to fraudulent activity. I asked what kind of fraudulent activity and they said they didn't have any I information on that. Then I received a message from my phone carrier saying they were going to charge me {$15.00} for a funds return fee because they were not able to draft the payment I initially setup. I tried calling the bank again the next week and they still had no information for me nor were they able to provide me with any update or what kind of fraudulent activity was associated with my account. I still dont know if my information was compromised or what's happening with my account. I have recently called again ( week XXXX now ) and they keep telling me another department is handling my case so they can't tell me anything and they still have not let me know what is going on or when matters will be resolved. I don't know if my identity was stolen or if the funds I deposited is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from XXXX XXXX to no avail. XXXX XXXX has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Spoke with customer service about extending my forbearance plan. I was approved the extension up until XX/XX/2021 and I keep getting a letter stating I'm behind on my payments and owe to bring my loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One Credit Card that was enrolled in a debt consolidation program with InCharge Debt Solutions in XXXX of XXXX. All payments have been made by XXXX since then. Capital One is reporting a late payment in XX/XX/XXXX when all payments have been made within the same 3-4 day window every month by XXXX. I filed a dispute with Capital One and provided proof of payment made by XXXX and the corresponding payment history from my Capital One account. They continue to state that the payment was late and will not correct. Prior to filing the dispute with Capital One directly, I also disputed the accuracy via each credit agency with no resolution. Capital One will not directly connect me with someone in the dispute department to discuss, insisting that I mail another dispute, wasting my time as they continue to run me in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Checking or savings account

I sent a {$500.00} deposit for a used vehicle being sold for {$1500.00} to put in hold till I could come and get it. After sending funds the individual stated someone else paid more and I would need to send an additional {$200.00} to secure the vehicle. I asked for my money back because I would not send more. He has not refunded my money and is still asking for more.
Product: Debt collection

TRANSUNION - you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Credit reporting or other personal consumer reports

Americollect keeps putting the same accounts on my credit report and also states that i have accounts with them and i don't i have never signed a contract with them also they have closed accounts listed as open and keep starting them over, they also have wrong amounts down .they have numerous duplicate accounts as well and it is bringing my credit score down.
Product: Money transfer, virtual currency, or money service

Wells Fargo settlement from my old account missing.
Product: Credit card

I got a couple of transactions on my credit card right after I got my paycheck I can give you the exact amount around {$400.00} later if you would like to ask but anyways a couple of transactions were not from me on my credit card I filed a dispute the exact next morning and when I filed I filed through email and about 7 Days later I called and they said that my dispute was denied so that is when I filed for another dispute form and explained everything to them and gave them transactions when I sent it through email it also got denied so the third time me doing it I printed out my activity for all my transactions all of them through my account predator and I wrote by hand to Page letter of everything that was unauthorized on my account every penny that was unauthorized I also circled all of the unauthorized transactions just so I can point out that I have never used the transaction multiple times like they are claiming that I did I did not get information from them because I went and did my own information gathering and printed out my own activity log for all my purchases and just yesterday I got a form which is my third form for being denied but this form said that they credited my account {$6.00} which doesn't make any sense because when I looked up the XXXX it told me that I made this transaction on the XXXX but the unauthorized transactions happened on the XXXX and the transaction they refunded me for had nothing to do at all with what I disputed it had nothing to do with it so I'm not understanding why they would grant me the money for that I feel like they didn't even take my case to actually look at it when I detail it explained it to them on the third try wrote by hand the two Page letter I circled the transactions that were unauthorized explain to them when I looked up the people that used my credit card unauthorized I was very detailed about it and I was very quick so I can try to get in that XXXX period or 30 day I'm not sure how long that is but I did everything and wrote down everything I could and I still was denied or I would say credited XXXX in my account
Product: Credit reporting or other personal consumer reports

I filed a complaint last month asking to opt-out from sharing my information as a federally protected consumer per 15 usc 6802. In there response they stated that my account was opened on a specific date and they couldn't not honor my request and they would report disputed to the credit reporting agencies XXXX XXXX, XXXX, and XXXX. I pulled my most research credit report XX/XX/year> it is attached below. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I would like this account removed from my credit report as Discover is blantaly reporting inaccurate information. This is causing damage by me having to paying higher interest rates and emotional stress. I also would like to be compensated for each violation as they have been reporting inaccurate for years.and costing me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 



Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Back in XXXX I took out a small loan for {$4000.00} from XXXX XXXX XXXX XXXX in XXXX Pa. This loan was for some minor kitchen repairs. Now we are trying to see our home and there is a lien on t he property for {$19000.00}. XXXX apparently made it an open ended loan without our knowledge. We used and paid back {$4000.00}. I now have a closing date to sell the home on XX/XX/XXXX and I need a letter releasing that XXXX. My real estate agent had informed me that once XXXX went out of business, their loans went to XXXX Bank. From that bank it went to Shellpoint Financial and NOW is with NRZ Recovery Trust in XXXX South Carolina. I have contacted XXXX Bank and they have NO record of my loan. I called Shellpoint to request original documentation and have not gotten a response. Their customer service reps say there is no record of a loan there either. On XX/XX/XXXX I called NRZ asking for a letter to release the lien on my property. They CAN NOT find me in their system either. Bottom line is, I am NOT paying for a {$19000.00} lien that I did NOT borrow. According to a letter that I have from the title company, my loan was paid but was never documented as satisfied. This is an old loan. I was never made aware there was a lien until a month ago. This loan is not on my credit report either. And if I owed {$19000.00} why was there no attempt to contact me by the above listed companies? A foreclosure attempt was never made either. What i want to happen is this to be marked as satisfied and the {$19000.00} lien removed immediately from the property and court documents. 
Sincerely, XXXX XXXX
Product: Mortgage

I have submitted a Declaratory Judgment, & Slander of Title complaint with the Superior XXXX Office. I have written several letters to the M & T BANK requesting specific information related to my mortgage/security. I have requested they answer specific detail facts that I am entitled to know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. Transunion reinserted it again today without any prior notice.