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

My credit is getting dinged by a debt collector for services supposedly unpaid to a home health care company. I have asked both the debt collector and the home health care company to detail the supposed billings and the amounts already received and neither company has responded. In the meantime, my FICO score has declined 100 or more points.
Product: Credit card

I was out of work last year, XXXX XXXX if went to XXXX for a credit card for assistance. They said that it was {$25.00}. Monthly payment minimum, but they are charging 22 % interest into the payment and at the same time tell me I can not pay the interest off till the {$1500.00}. Balance is paid off. But am told that my bill payments are including the interest. Thats XXXX the interest I have to pay, and I did n't even recieve that credit card, it was a simple store card ca n't even have a pin attached to it. But chase bank wo n't raise my credit limit so as to pay off XXXX and fix my credit, and the last time I was told to talk to XXXX about my issue since they uses XXXX but the mailer is from XXXX and still denighed why do they not want me to have good credit? I 'm needing to fix my car to get to work I need a new car and a house, but why do they say its too many credit card and too high a revolving balance, the balance was cause I had to go to XXXX for service and then lose the good paying job, but I 'm trying to fix it and no one cares I 'd said I 'd rather pay chase then XXXX cause they falsely charge interest, but am denighed need to get assistance with this I cam pay it down but when constantly changing rules I ca n't find a foot hold and maximum I asked for was {$5000.00} to pay off XXXX and get car fixed, at minimum pay {$50.00} monthly about XXXX rates! But will pay gladly since my housing is affected by no credit or bad credit, bug XXXX 'd like that XXXX XXXX get dealt with for being bad business.. If they can charge XXXX on interest then I should be allowed to get my credit limit raised so that I can avoid them altogether and have maintenance money so my car does n't break down and I lose my job, then am XXXX too.
Product: Debt collection

Since XX/XX/XXXX, I have been requesting for Navient to provide me with my student loan information. I provided Navient with my new address multiple times. However, I never received a bill. My new address is on my payments also. Navient refuses to provide me with any information regarding my loan. I do not know my current status. I have been sending my last known payment amount of {$25.00} each month though. I also need my student loan information to file my taxes. It's not fair for this company to report me to credit bureaus when they refuse to provide me with any information. The last time I contacted them was XX/XX/XXXX. I still haven't received a response.
Product: Checking or savings account

In XXXX XXXX, I was under XXXX XXXX by my roommate and I wanted to remove her name from the lease. The leasing office of XXXX XXXX under XXXX XXXX in XXXX, MA, XXXX requested me to resubmit financial proof. The office requested crazy amount of money under my name, and I needed XXXX dollars to meet the requirement. As an international student, wiring money from XXXX would take long and there's a government control that each person can not have more than certain amount of XXXX XXXX transferred into dollars per year. 

So I have to asked whoever I know that is an American citizen to XXXX me money because that was the fastest way because i was scared of the violence and I was not able to live in my house. 

During the process of me receiving money, from XXXX, chase closed my account forever. In the beginning of XXXX, It said it would mailed my money using check within 7-10 business day, but I never receive it. I called multiple times and they could not offered me any answer, also they said someone took my money from my account, but that was not me, and Chase thought that was me, because whoever works in Chase customer service did not know my account was closed? 

Today, XX/XX/XXXX I opened my mailbox again and saw chase think I owe them debt because I have not paid the credit card. I called again and said but my account is closed, and Chase collected all my money. Customer service from chase said the account is not closed? It hurts my credit and I need my money because it's my living expense and it is the worst thing to do with someone who was trying to escape from a violent roommate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use XXXX  ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time Nelnet ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against Nelnet for violations of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering XXXX funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full. 

I had leased a motorcycle with XXXX. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that ca n't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I did n't understand how there was any confusion with the account. I had provided XXXX with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that XXXX had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted XXXX and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, XXXX reported my status back to derogatory/in collections. My experience with XXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.
Product: Vehicle loan or lease

To who this may concern I am writing to address the subject of the aforementioned account and transactions as you aware the vehicle in question was repossessed by XXXX XXXX XXXX in the state of Il on date and subsequently resold on date XX/XX/year>2023. It is Imperative to note that in accordance with the laws of the state of IL where car was repossessed, specifically ucc 810IL cs51 as well as state Risa and mvisa statuses a deficiency claim can not be valid unless all required notice were duly provided in a proper and timely manner. Additionally I strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. I hereby request that you provide me with copies of the legal notice pertaining to the repossession as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. Failur to furnish the request proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reports will be regarded as violations of the fair debt collection practice act ( fdcpa ) and the fair credit reporting act. I also have no contract or legal documents with XXXX, XXXX
Product: Debt collection

Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX  XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX  XXXX I told them I don't have a contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon discovering I was again a victim of identity theft I took the required legal steps to have these fraudulent accounts removed. As per FCRA 605b the accounts in question were removed although not in the required time frame of 4 days which already placed the credit bureau in violation of federal law. That said, I was okay with the extended time frame however several accounts were reinserted in violation of the FCRA. The FCRA 605b is crystal clear as to when an account can be reinserted and non of the three standards set forth in section ( c ) ( 1 ) ( a ) ( b ) ( c ) apply or are being adhered to. Instead, the credit reporting agencies ( XX/XX/XXXX and Experian ) reinserted these tradelines based on the original creditors request to reinsert with absolutely zero evidence these accounts are valid. The accounts in question are XXXX, XXXX XXXX and XXXX, all were included in my identity theft report and are to be blocked permanently within 4 days of that being submitted. There are legal standards by which these can be reinserted however non apply to this case and their reinsertion is a violation of my rights under FCRA 605b. I intend to file a lawsuit in small claims court as this has harmed me and my family financially and has taken hours of my time every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF THE WEST item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BANK OF THE WEST XXXX )
Product: Money transfer, virtual currency, or money service

Square loans me money according to algorithms having to do with my sales activity. I called them to ask if i deposited money into my accout would it impact my loan eligibility. Its a yes or no question. No matter how many times i asked them they said things just to avoid my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with XXXX. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Product: Credit reporting or other personal consumer reports

I pay off capital one for about XXXX month now and it still show on my XXXX report as not pay
Product: Mortgage

Quicken loans went up on my mortgage payment from {$680.00} to {$860.00} due to taxes and insurance escrow account. Is n't there a certain percentage that they can do this. This seems very unfair. This is a {$170.00} increase. I was already struggling to pay the XXXX due to income loss. I feel like they should have made increases amounts over a certain period of time. I am not happy to get an increase after refinancing with them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan ( Chase ) conducted 7 unauthorized hard inquiries on my XXXX report when I requested an increase on my credit card limit. I was not told or warned that this request would pull a hard inquiry and therefore they did it without my consent. 
The hard inquiries reported are dated below : 1. XX/XX/XXXX 2. XX/XX/XXXX XXXX.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Product: Debt collection

company called do not call list. Someone erred and listed my phone which was erroneously listed and forwarded to debt collector. I would like full name of debt collection agent as this was complete negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a charge off on my credit file of {$42000.00} and this account does not belong to me. they've went as far as saying they have verified the information ; this information is in result of identity theft from someone stealing my information and law 15 usc 1681b states permissible purpose of consumer reports which they have broken I just want to get these accounts off that do not belong to me which Experian and XXXX have on my account.
Product: Debt collection

A debt collection company, portfolio recovery has made an alarming number of calls every week toy phone number. Not only do they call with different phone numbers they also use fake caller IDs. I think it's harassment and intimidating. I think this collection stems from a fraud account someone used with my identity.
Product: Credit card or prepaid card

I received a Vanilla VISA card for XXXX, in XX/XX/2021 from a family member. The amount of the gift card was {$100.00}. I enrolled the card using the Vanilla card website prior to using the card online. I used the card to make an online purchase of {$15.00} on XX/XX/2021. After that, I tried using the card at another online retailer but the card was rejected several times. I tried contacting the Vanilla Card company 's customer service through their posted phone number, but continued to receive a recording that no one was available to assist over the phone. The website did not provide an email address to send an email to their customer service. Also, when trying to check the balance on the card, I received an error message. Lastly, I tried contacting the issuing bank, XXXX, which says it is a member of the FDIC, however, again I was unable to receive any assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries 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 XX/XX/year>
Product: Debt collection

Received a couple of calls in XX/XX/XXXX from XXXX and when I answer, no one is there. Did a XXXX search and read that it was a debt collector called capital management and that the call is set up to force you to call them back and then they'll ask for your personal info. They call almost daily now and I don't answer. I blocked the call, but my phone still shows that they called. I've never received anything in the mail stating that I owe any company money, so, I'm pretty sure this is a scam.
Product: Credit reporting or other personal consumer reports

MY XXXX XXXX LOAN SHOWS UP ON XXXX FOR {$1000.00} AND SHOULD HAVE BEEN SHOWN AS PAID OFF WITH A {$0.00} BALANCE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

Hello, on XX/XX/2024, I made a full payment in the amount of {$6800.00} for my Citi Bank card. I was charged interest after I made a full payment towards my account. On XX/XX/2024, I contacted Citi Bank and was informed that the fees and interest would be waived, bringing my account to a XXXX balance. Not long after I was advised that the fees and interest would be credited to my account, I began receiving harassing emails demanding payments for a balance that I was advised would be credited to my account. On XX/XX/2024, I contacted Citi Bank again, and was informed that the {$72.00} balance would be credited to my account. On today, XX/XX/2024, I received an additional email telling me that my account was past due. In this matter, at a sensitive period where it's been found that XXXX Americans have been discriminated against by financial institutions, I can only consider these actions to be discriminatory in manner. It would appear that Citi Bank has been providing me misinformation regarding actions being taken on my account, only for me to find out later that no actions have been taken by the company to resolve the issue. Additionally, I was advised by Citi Bank that my credit bureau reporting would not be impacted as a result of the past due balance. At this juncture, I am not confident of this to be true.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I obtained my credit report from Experian, XXXX, and XXXX and noticed that several old and incorrect addresses were listed. These addresses do not reflect my current residence and have not been associated with me for several years. 

On XX/XX/year>, I submitted a formal dispute to Experian, XXXX, and XXXX via their online dispute system/mail, requesting the removal of these outdated addresses. I included documentation to verify my current address, such as a copy of my driver 's license and a recent utility bill.

Despite my efforts, the credit bureau ( s ) failed to remove the incorrect addresses from my credit report. This has caused confusion and potential issues with my creditworthiness, as lenders may consider the outdated addresses during their assessment. 

I am seeking assistance from the CFPB to ensure that Experian, XXXX, and XXXX promptly and accurately update my credit report to reflect only my current address. The failure to correct these inaccuracies has been an ongoing issue, and I am looking for a resolution to prevent further inconvenience and potential negative impacts on my credit score.