23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XX/XX/XXXX i spoke with a representative of the recovery department at XXXX PDT. 
XXXX the call was recorded and the representative reminded me that I asked on XX/XX/XXXX for a statement and that it will be at the residence provided in 30 days. I problem is not with the last 30 days of the account statement ; the problem is with the other requests. I specifically asked for on the XXXX call for the first date of delinquency, and the WET signature application that the Principal XXXX XXXX owes MACYs. It could not be produced in fact, it my right to ask for accounting on any account that claims I owe. They violated my rights by not being able to produce this information and continuing to keep this collection on my credit report. 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) requires that accurate information be reported and they can not verify the first date of delinquency. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 says " XXXX XXXX must provide written verification of the debt upon request. They must prove that they have the right to collect the debt. '' they could not provide basic information when asked, therefore they no right to collect on the debt. the representative was rude, dismissing me and I realized he was denying me my right to request this information be furnished so I requested a XXXX  he decided I do not need one, when asked for his ID he decided to hang up on me. they are VIOLATING ME WHEN ASKING FOR BASIC INFORMATION ACCORDINGTO THE USC. 
15 U.S.C. 1681 says it must be accurate when it gets disputed, so I'll need all MAJOR agencies to update/ and remove this inaccurate information 15 U.S.C. 1601 refers to the Truth in lending act TILA, and that says MACYs should have disclosed their terms better it was inconspicuous, and misleading to even obtain this account. 

In all they have not proven they have the documents with personal information to even prove they can collect/recover on this debt. 

please delete and remove off my credit report
Product: Mortgage

I applied for a SunTrust XXXX HELOC in XX/XX/XXXX via online because of the favorable rates and terms from a promotional mailer I received. In XXXX of XXXX was the closing at a SunTrust Branch. In order to set a closing date I had to verbally approve the terms on the HELOC on a recorded line. During the recording I agreed to draw XXXX at 3.49 % for 10 years fixed. This was on the mailer I received as well. I knew that the first draw was a promotional 3.49 % that had to be a minimum of XXXX for 10 years. The issue of my complain is what I was told my fixed rate would be on " subsequent '' draws of a minimum of XXXX. This is important because I planned to use the funds to build a pool which at the time of the closing in XXXX was not needed for several months. I was told upon asking via the recorded line that my fixed rate for future draws would be 3.99 % as long as it was XXXX and it was for a period up to 15 years. This entire process was done online and over the telephone except for the closing which was at the SunTrust Branch. The banker informed me i was there just to sign and that her role was not to go over the rates and terms of the HELOC because that was done on a recorded line about a week prior. Fast forward to XX/XX/XXXX when I went to a now Truist Branch since they merged soon after closing on the HELOC in XXXX my fixed rate would be prime + 1.99 %. This information was not conveyed to me on the recorded line. I have since reached out to Truist asking for a transcript or copy of the recording and they have refused to provide me this. The recording, I know, will show that what i was told and what I am being offered now is extremely inconsistent.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDIT COLL ( Original Creditor : XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I would like to know the status of the account, the age of the account and when it went to the collection agency. Acct ending XXXX.
Product: Debt collection

On Monday XX/XX/year> I told a representative for Mr. Cooper that we were refinancing and the XXXX XXXX XXXX XXXX told me not to pay XXXX mortgage because we were closing in that following Wednesday the XXXX. The representative said they would make note and have the calls stop. Then, on Friday the XXXX I got a letter from Mr. Cooper that said that they had sent my loan to default even though the previous rep said that I was good until the XXXX. I called the company that Friday and asked why they were still communicating with me when I told them to stop. The representative confirmed that my account was noted as closing with the refinance on the XXXX and that she will make sure Mr. Cooper stops calling and contacting me until after the XXXX if something was to go wrong with the closing of the loan. I received another call from Mr. Cooper stating that they were collecting a debt on Sunday the XXXX around XXXX XXXX  time. This is after two times communicating with Mr. Cooper to stop stressing me out about not paying and sending my loan to default when I was told not to pay since we are refinancing and closed our loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. Finbe XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( XXXX ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( XXXX ) ( B ) ( XXXX ) ; ( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card

Im locked out of my Bank of America XXXX XXXX XXXX credit card online banking because Im traveling internationally and using a VPN ( IP : XXXX ), which triggered their security system. When I applied, I provided only XXXX phone numberXXXXwhich BofA used to verify my identity during setup. I successfully set up online banking after approval using that number, but was later blocked. Now, verification texts go to an outdated number from over 10 years ago, tied to a prior account XXXX cant access. On XX/XX/year>, I spent XXXX hour and XXXX minutes on the phone with customer service ( Reference # XXXX ), asking them to use XXXX instead. They refused, and a rep hung up on me, leaving me unable to manage my account, pay bills, monitor transactions, or use the introductory offer, despite my efforts and their records showing my current, verified number.
Product: Student loan

On XX/XX/XXXX, I contacted Nelnet about payments I made in XXXX, XXXX, XXXX, XXXX and now XXXX that have not been credit. They do not respond to messages sent on their site so I called. I gave all the information to the person who was supposed to send me an email as to where to send proof of payments. After about a week I called back and was told that I had to put them in the mail. I sent proof of payments by certified mail which they received on Friday, XX/XX/XXXX. My account still has not been updated. The following are the dates and amounts of payments : XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$50.00} Total : {$230.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$49.00} XX/XX/XXXX - {$40.00} Total : {$220.00} XXXX XXXX - {$92.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$16.00} XX/XX/XXXX - {$45.00} Tot : XXXX XXXX XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - {$45.00} Total : XXXX XXXX XXXX - {$45.00} XXXX - {$49.00} XX/XX/XXXX - {$92.00} XX/XX/XXXX - XXXX Total : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've worked with my mortgage lender, XXXX XXXX, to correctly report payments during the XXXX forbearance period to each credit agency. XXXX and XXXX have the correct dates listed, but Transunion is reporting accurately reporting dates.
Product: Mortgage

After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.
Product: Credit card or prepaid card

Chase credit card : ending in XXXX I paid off my full balance and closed the account XXXX XXXX XXXX. 
I still incurred a {$19.00} annual fee after this date. I was unaware and did not log back into the account. I got an email on XXXX XXXX XXXX stating my account was overdue. I called XXXX XXXX XXXX and was told by customer service rep that I was late on the fee of {$19.00} and was charged an additional late fee of {$15.00} on top of the {$19.00}. 

I went ahead and paid the overdue amount and told the rep to close the account again. I also noticed Chase Credit Card had put a negative hit on my credit report. 

This is not fair practice. How can I incur charges/fees after I already closed the account a month prior, they should have waived the late fee since the balance was paid off.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm reaching out because I've discovered something alarming on my credit report that I need to have addressed immediately. It seems that there is an account listed that was opened using my identity without my permission. This is a clear case of fraudulent activity, and I want to make it very clear that I had no involvement in opening this account.
Product: Debt collection

Every time the phone number calls me and I answer, they immediately hang up. They never say anything. When I try and call back, I immediately get placed on hold. Sometimes I'll wait for a minute to try and obtain information as to who is contacting me. However, I become frustrated being on hold and hang up without ever speaking to anyone. Also, when I don't answer the call, and it goes to my voicemail, they never leave a message. Just today alone, XX/XX/2018, they have called my number four ( 4 ) times beginning at XXXX XXXX with the most recent one at XXXX XXXX. That is four ( 4 ) phone calls within six ( 6 ) hours! Yesterday, XX/XX/2018 I received five ( 5 ) phone calls from them beginning at XXXX XXXX with the last one at XXXX XXXX This is an EVERYDAY occurrence. The one and only time I actually spoke to someone, they were rude to me and refused to state the purpose of their call. At that point, I asked them to never contact me again. It's out of control how many times they call me even after I have requested they not. What makes matters worse, is I can't even get any information out of them to further pursue the issue at hand! It's beyond harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cell numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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 consumers safety.
Product: Credit reporting

I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX. I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security XXXX, yet again. I submitted it the first time with the dispute.
Product: Credit reporting or other personal consumer reports

It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last month XX/XX/2024. As a result, there are still accounts on my credit report that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello please for your help i have rquested Equifax to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on dispute.equifax.com due to my girl freind can access it but i cant tested on several computers. 

Please inform Equifax who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ),  regarding credit reporting for a XXXX XXXX XXXX XXXX ( XXXX ) account. Thank you for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the XXXX account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,
Product: Debt collection

On XX/XX/2018 I checked my credit report to find that a company named Commonwealth Financial had added an account to my credit file claiming that I owe them {$940.00} on XX/XX/2018. I have never had an account with this company and I am very upset that these people can just added a debt to someone's credit files unknowingly! I have never received anything from this company and do not know anything about them. It should be illegal for someone to just add an account to someone to get money that you don't owe them!!! My score has dropped almost 70 points because of this company!! I am in the process of making a major purchase soon and these people have caused my score to drop like this when I don't owe them a dime!! This is ridiculous and is just another way to keep a person from ever having good credit! I had nothing negative in my credit files until these people added this fraudulent account! Can you please help me with this??