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

XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXAccount Number					Account NameXXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Experian credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to Experian for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from Experian.On XX/XX/XXXX I sent a 2nd letter to Experian to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Experian received my letter, copies of my letters to Experian, and copy of their response to my requestsThank you for your assistance.XXXX XXXX
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Paid all of the property taxes for the 2023. Asked for a refund of the money in the escrow account intended for tax payments. Didn't get a refund or my monthly mortgage payments adjusted.
Product: Mortgage

I currently have a first mortgage with   Nationstar. We are in the process of applying for financing to purchase a new home ( with another lender ).
Nationstar offe  red me a loan modification in late   XXXX    . I paid the  three trial  payments, and was then permanently modified.     When my new lender pulled my payment history,  the three trial payments for the modification period showed as my loan being in forbearance. My loa n was never in forbearance. This is now holding up my financing process with the new home - which I am about to lose to another buyer.     I have spoken with Nationstar numerous times, and I have also sent numerous emails to their research department ( as instructed ) with NO response.     I just received my most recent statement as well - they have been collecting legal fees from me as well without my knowledge, and for no reason. I finished a successful Chapter  XXXX  in   XXXX   XXXX    , and no legal fees should be due at ALL.     I need help. No one is responding - talking to customer service is absolutely useless.
Product: Credit reporting or other personal consumer reports

Tried to contact Experian via phone, email, and online. Was NOT able to sign into Experian, the directions to correct this didn't work. Could NOT talk to a person. Once I was on hold for 55 minutes then dropped.

So, two issues, unable to sign into my account. 
Unable to talk to a real person to determine why after a month they are still showing a {$16000.00} balance that was paid off XX/XX/year>. 

I wasted over 6 hours with out a single issue being resolved.
Product: Credit reporting or other personal consumer reports

I have discovered that my personal information was a part of several data breaches. This is is an invasion of my right for privacy. I am so confused the public on how my personal has been exposed to the public. As federal protected consumer I feel violated. Now I am requesting a block for all the account listed in the Identity Affidavit listed below. I am requesting for this because of the data breach. I am aware of Experian, Equifax and Transunion may want to refuse my right to block but due to the importance of protecting my rights and personal information my request is valid. See attached documents below of the screen shots of the results of data breaches and other valid documents
Product: Money transfer, virtual currency, or money service

Someone stole a balance transfer check from my mailbox and used it to write themselves 2 checks from my Southwest-Chase credit card. The checks were written to XXXX XXXX XXXX. The first check, went through and had taken {$860.00} out of my account, plus a {$34.00} transition fee. Once I saw this activity, I called Chase to get this taken care of. They gave me my money back, cancelled my card and got me a new one. About 2 weeks later, I received a letter saying I recently wrote a check to XXXX XXXX for {$1300.00}, which was declined, since I blocked my account. In total, XXXX XXXX tried taking {$2100.00} from my credit card plus any transactions fees that could occur.
Product: Debt collection

In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank of Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( XXXX, XXXX, XXXX ) . The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am not the debtor. I am a 3rd party that received and inappropriate call. On XXXX/XXXX/2015 at XXXX eastern time, I received a voice mail from XXXX XXXX calling from pre litigation department on behalf of XXXX County for my ex husband. On my voicemail, XXXX left his last XXXX digits of his social, stated his license will be suspended for 180 days, and the legal process will start and fees will be tacked on to his account if he does not call. The phone number she called from is XXXX. With in minutes she called my ex husbands phone number and left the same message on his voice mail. On XXXX/XXXX/2015 at XXXX I called backed and I talked to a lady that stated she was XXXX. I indicated she is not allowed to leave this information on a voicemail or talk to a 3rd party about someone else 's debt without permission. She disagreed with me and said it was ok, and that the call was being taped. My ex husband have been divorced for over 7 years. Based on my understanding of the FDCPA her actions were in violation. I would ask that the company be contacted and cease phone calls to my phone number and discontinue disclosing personal information about people on 3rd party VM. Of note, the debt we think she is calling about was fraud that took place on his account years ago that we had taken care of with police reports and the proper paperwork.
Product: Student loan

I originally consolidated my loans and applied for PSLF/FFEEL on XX/XX/XXXX. My consolidated loans were transferred from XXXX to Mohela on XX/XX/XXXX. I hit my requisite 120 payments on XX/XX/XXXX. I have consistently called and questioned why my account has not been submitted for forgiveness. I even filed an updated Employer Certification in XXXX, XXXX to show that I still work for the same federal employer ( XXXX ) and that my payment count as of that date was 125 months of payments. To date, I have made 128 months of qualifying payments, yet Mohela sat on my account and did not file for forgiveness with student aid.gov until XX/XX/XXXX ( per my most recent call to them ). My loans should have been forgiven over 8 months ago and I am continuing to wait. 

I called today ( XX/XX/XXXX ) to again question the status and was given no answers. Further, I requested information on how to contact the Mohela Ombudsman and was not given information and they even admitted that the information is no longer on their website. When asked for a supervisor, I was refused and told they had " put in a request '' but that " no one was answering, '' I remained on this call for 90+ minutes with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Bank account or service

Bank of America gave me a fee for being over extended for a period of time, but I was n't over drawn for an over extended period of time. I contacted them and they agreed that I should have not been received that fee, but they could not remove it. I get paid on XXXX but they wont recognize the payment until Monday, even though its from their bank and they send it Thursday. I do n't make enough money to hand it away to a greedy bank who looks for ways to XXXX over its customers
Product: Credit reporting or other personal consumer reports

The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report. 

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXXXXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. TransUnion the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX  TransUnion has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX, I initiated a lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. As part of the acquistion process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XXXX of XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When XXXX processed the change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX  residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. HFA has taken this 10 % each month with my automatic payment, which no has my account in a past due status. 

I have spoken with both the XXXX XXXX and the XXXX XXXX. of Taxation and Fianance and clearly this tax does n't apply when tax was paid in another jurisdiction. I have provided HFA with the following information from the District : XXXX Sales and Use Tax Monthly Return Booklet Imposition of use tax A use tax is imposed on the use, storage, or consumption of taxable tangible personal property and services in the XXXX, unless the purchaser has paid a sales tax on the purchase of the taxable tangible personal property or service to the District, or another tax jurisdiction in the United States ( US ) or to a US territory. A retailer that did not resell goods purchased under a resale certificate is liable for use tax for those goods used as complimentary gifts. For additional information see XXXX XXXX XXXX et seq. 

From the same booklet, XXXX is citing the following : Imposition of sales tax A person engaging in business in the XXXX must collect sales tax from the purchaser on : 1. Sales of tangible personal property delivered to a customer in the XXXX ; 2. Services listed in XXXX  Official Code 47-2001 ( n ) ( 1 ) ; 3. Renting or leasing tangible personal property used in the XXXX ; 4.  Charges for rooms, lodging or accommodations located in the XXXX that are furnished to transients ; 5.  Admissions to certain public events in the XXXX ; and 6. Charges for parking, storing or keeping motor vehicles or trailers in the XXXX. 

The disconnect : I was n't a purchaser : I already had possession of the vehicle and had paid tax on it. 

Account status : Past Due : {$470.00} Total Fees Due : {$23.00} Total Amount Due : {$490.00}
Product: Checking or savings account

In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 

I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX XXXX XXXX failed to uphold the stipulations in our settlement agreement. 

On XX/XX/XXXX, I applied to Bank of America and XXXX for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX  due to the erroneous information furnished by XXXX XXXX. 

Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXXXXXX XXXX 

Due to being denied, I am missing out on the new account promotions for {$200.00} that Bank of America offers and the that XXXX offers. 

I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 

I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 

I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 

I am formally requesting a reconsideration from Bank of America to open up an Advantage Plus Banking Checking and Advantage Savings Account for me. I am also requesting that XXXX open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.
Product: Debt collection

This company has repeatedly attempted over the past 8 years to collect on a debt that is more than ten years old according to there own records and simply harass me when I asked to see proof of the debt. At the time I was certainly sure I had blue cross. I also was the victim of id theft on three credit cards and my social security card along with my id taken from a XXXX in XXXX. 

Nevertheless, I have asked this very aggressive company to provide proof of the debt and the have only threated to call my work if I did not begin to make payments. " My other number ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.
Product: Checking or savings account

I am filing a complaint in regard to Capital One 's failure to deposit my direct deposit from my employer and all other pending deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. As of today, XX/XX/XXXX at XXXX, my deposits have not hit my account.
Product: Debt collection

According to the company, I owe a credit card debt for {$1000.00} dollars that I have told them numerous times it was opened fraudulently. They will not share the account number with me when asked so I can file a report with the FTC. I was notified by a CSR that the account was paid through web payments through a bank I have never had and was sent to addresses Ive never lived at along with unknown phone numbers associated with the account. I was told this week that they can not investigate any more and that I am responsible for the account which was opened in 2017. The account is a collection account on my credit report and has negatively impacted my score and ability to obtain loans/credit. I have called and explained what I wanted done with the account numerous times and they have told me they will investigate but still have not had the resolution I am looking for. I was supposedly mailed several statements that I requested but they never showed up so that I can see transactions and account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this the disputed account is updated. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bankruptcy XXXX # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

After canceling XXXX I had a balance of {$91.00}. I called and asked for them to issue me a refund CHECK. I received a prepaid XXXX with my refund amount issued by XXXX I do not want a card, I want a paper check as requested. 
With the card that was sent there was XXXX options XXXX. Pay with your card or mobile wallet XXXX. Request a bank transfer and XXXX. Request a paper check. 
When I filled out the form ( XXXX times ) to have a paper check issued. Each time I clicked on submit, it had an error message service failed. I preceded to call the customer service number on the card. Another dead end. This call was received with an automated prompt to check the balance or report a stolen or lost card only. This card does not offer an option to talk to a real customer service agent. 
I called XXXX back and explained to them the card company that has issued me the card is a dead end. They explained it is out of their hands. 
Id like northland to issue a paper check in the amount of {$91.00} to resolve this issue.