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

My complaint is about XXXX XXXXXXXX XXXX and Experian Credit Bureau. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2020 and the next is dated XXXX XXXX. 

Because I did not apply for credit with XXXX  XXXX XXXX, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, TX XXXX. The address attached to the inquiry. 

Please launch an investigation into XXXX  XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX  XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Mortgage

I had my loan home mortgage with NexBank account # XXXX I called them on XXXX because I received a letter that they were transferng my loan home account to XXXX at that time I asked about why my escrow payment was increased and they said the year before they sent a check of {$940.00} XXXX number of the check # XXXX of a surplus from the scrow analysis, but I told them I never received the received the check, they look at it at the system and the check was never cashed, I told them to resend it again, at that time they said that I had to wait because the loan was transfering to other bank, I waited and then Nexbank said I had to ask about the to the new Bank XXXX  # XXXX XXXX I called XXXX and they said that they no have any information about check and Nexbank is responsible for that because they sent the check and we never get it and they dont have that money then I called Nexbank on XXXX XXXX and they said that they dont have any information of loan because the account was already transferred to XXXX. I been calling many times both banks and the answer its been the same for three months I disgusting because it is money that already pay to bank and now I have to pay extra because the score account was short because they was doing the taxes analysis on XXXX instead of XXXX please help me to resolved this inconvenience.
Product: Credit card

XXXX contacted me via email. I contacted the number on the email. I asked the representative what were the minimum criteria to qualify for the offer. She explained she did n't know and forwarded me to a credit analyst at Citibank. She also gave me the direct line in case the call were dropped. I asked the credit analyst representative what were the minimum requirements to qualify for the credit card. I also gave him my XXXX credit scores. He stated there were various factors and that there were no minimum requirements to qualify. 

I decided to apply for the credit card based on the information the credit analyst provided. Specifically, that there were no minimum requirements. I applied for the card using the link provided in the email. I was declined immediately. Upon calling XXXX XXXX back and being connected to Citibanks information line. I learned that I was declined based on a bankruptcy I had XXXX years ago. I would not have applied had the credit analyst given me this information before I applied. I requested " minimum requirements " Now, I have a " hard pull '' on my credit report reflecting the denial. This damages my credit! 

Deceptive practices. 


I have worked very hard to get my credit rating back to good standing. Only to be deceived by companies such as Citibank and XXXX. I am requesting to be made whole.with further facts to be presented.
Product: Mortgage

I had a flex line ( home equity line of credit ) with 5/3 Bank for {$11000.00}. It had a XXXX balance on it for years. In the fall of XXXX, 5/3 Bank charged an annual fee of {$65.00} to keep the line of credit open. I failed to pay the {$65.00} fee. Then 5/3 Bank placed the {$65.00} annual fee in my line of credit as a balance and charged {$1.00} interest. When the fee was 30 days late, they called me at work and notified me. I authorized payment over the phone or I moved the money from one of my 5/3 Bank accounts to pay the fee immediately in the amount of {$66.00}. In the early part of XXXX, 5/3 Bank reported to the credit bureaus that I was more than 30 days late on a mortgage payment. This report has caused my credit to drop by more than XXXX points. I have contacted 5/3 Branch managers and been told that they can not do anything about this matter. I have contacted the customer care center and spoke to the support manager XXXX, employee id : XXXX. 
She told me that the fee is a mortgage payment and therefore has been reported correctly. I believe that the {$65.00} fee is an invoiced item. I do not believe that it is accurate or fair to report the late invoiced item as a mortgage late.
Product: Money transfer, virtual currency, or money service

Zelle is misleading the customer. You send money the other party don't receive it. Nobody can never responded
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Vehicle loan or lease

Purchased car from American car center never received my car registration now west Westlake portfolio management has the deed and found out they want let me pay my car note or give me registration for the XXXX XXXX I want to sue also I have been getting threatened call about repossession its really sad I work hard every day why threaten someone
Product: Student loan

Received a text message from an Arizona number ( XXXX  ) XXXX asking me to call them at a number located in Washington State. 

Here is the exact text message I received : XX/XX/XXXX Alert : Your file is now pending review for the new forgiveness program. Can you give us a quick call at XXXX now for details? 

I have never received text messages before from my Federal student loan servicer ( Nelnet ). This message seems like a scam and I did not call or click on the phone number. 

I worry that this is an attempt to defraud and prey on student loan borrowers such as myself during a time of great stress & uncertainty.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information purposely being reported by and to credit reporting agencies such as XXXX, Experian, and XXXX. The CFPB 's mission is to protect consumers in the financial marketplace, and XXXX XXXX has engaged in practices that are unfair or deceptive. I am attaching my explanation and details
Product: Credit reporting, credit repair services, or other personal consumer reports

review these accounts that appear on my credit report, without any authorization, they are not mine. 
Identity Theft 08 CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX yrs of payments not showing in XXXX report vs transunion
Product: Credit card or prepaid card

I received a fraudulent credit card from Wells Fargo and have called approximately XXXX times trying to find someone there that would cancel it and remove my personal information from their system so they can not open more fraud accounts in my name. On one call a person claiming to be a manager at the executive branch guaranteed me the account was closed and he would submit to remove my information and gave me his phone number which turned out to be also fake. He did not close the account, i am still getting email and letters about it and he did not remove my information from the system or I would not be getting emails and letters!!! I tried going thru wells fargo website to have my information removed and it wants EVEN MORE PERSONAL INFORMATION!! I am not giving this fraud bank more information! So they can open more fraud accounts??!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violate 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: Debt collection

15USC1681q ( 3 ), attached information to verify this Fraud and identify theft.
Product: Debt collection

Thank you for providing the details. While this confirms my obligation to the original creditor, it doesn't establish your right to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request debt verification and you are obligated to provide it. To proceed, I require verification of your legal authority to collect this debt on behalf of XXXX XXXX XXXX. This verification should include my authorization to sell or transfer the account to the collection company. 

.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a COLLECTION opened at XXXX XXXX {$680.00} on XXXX COLLECTION opened at XXXX {$490.00} on XXXX COLLECTION opened at CREDIT COLL {$620.00} on XXXX COLLECTION opened at XXXX {$4600.00} on XXXX COLLECTION opened at XXXX XXXX XXXX {$910.00} on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding Transunions failure to verify the debt or correct the many errors on my credit report. This is unacceptable. I initially disputed these items over 100 days ago with a letter sent on XX/XX/year>, and I have sent additional letters since then with all required identification and address documentation included each time : photo ID, Social Security card, and a utility bill. They still have not verified or updated the errors, nor have they deleted any incorrect information as required by law. The Fair Credit Reporting Act mandates that, in cases where documentation is provided, unverified items must be corrected or deleted. At this point, Transunions failure to act violates these protections, and I am left with errors that negatively impact my credit profile. 

Below are the specific accounts and errors that remain unaddressed : XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX XXXX XXXXXXXX : Unverified, high balance and credit limit incorrect, date of last payment incorrect. UPDATE TO NEVER LATE. 
XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, last reported date incorrect, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX XXXX XXXX XXXXXXXX : Unverified, incorrect high balance, incorrect date of last payment. UPDATE TO NEVER LATE. 
XXXX - XXXX : Unverified, incorrect high balance, date of last payment incorrect, incorrect payment history. PLEASE DELETE. 
XXXX  - multiple accounts : Unverified, incorrect payment history. UPDATE TO NEVER LATE. 

I am attaching the 5 letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, I sent investigation requests to Equifax and XXXX XXXX. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Account ( XXXX XXXX XXXX ) with Experian ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Experian has on file. '' Under the FCRA all unverified accounts must be removed ; if Experian is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Experian has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request original consumer contract with my signature or remove this item from my credit profile.
Product: Credit card

I made a purchase for a stock footage film subscription, for what I thought was roughly {$5.00} on a european website, but was actually a {$5200.00} charge. The website omitted the cents portion of the cost on their website which made the price confusing. I then disputed the charge with my credit card company, to which every time I submitted documents about the case, they keep giving vague responses and avoiding direct answers to my dispute about the cost. I've gotten nowhere with them, and I get the impression that they are just trying to avoid resolving the dispute. 

To add insult to injury, this purchase was used to support a cancer donation video, which raised far less than the {$5200.00} I was charged.
Product: Debt collection

Hello, i am reaching out to you because i am being sued by a creditor named Midland Funding LLC, I received a summons from Midland in XXXX of XXXX and answered it. I was given a pre-trial hearing which i attended earlier this morning XX/XX/XXXX. During the hearing the Judge asked me and the Plantiff 's attorney to talk about the case one on one outside before he began. While speaking with Midlands Attorney he asked me what i wanted to do with the account? I advised him the Summons i answered did not have the original creditors name on it or indicate the amount or amount being claimed that i owe, I also asked him if he had record of the last payment made to the original creditor and he advised me the last payment made was in XXXX. I advised the attorney the Statutes of limitations for this debt appears to have expired based on New York State Law. He pretty much acknowledge this but stated he only goes by what he is given to work with? That said, he advised me he would ask the Judge to adjourn the case for 45 to 60 days for discovery, and i agreed. I am reaching out because i feel the Midland is suing even though they may be aware the Statutes of limitations has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and XXXX I never received any confirmation from Equifax on the status of the 7 year fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have been in constant contact with the all three of the major consumer reporting agencies regarding fraudulent established accounts currently reporting on my credit reports. After realizing I had became of victim of identity theft I completed a police and identity theft report and sent copies to each credit bureau. For some reason an account currently owned by a company named AFNI continues to violate my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practice Act by reporting this fraud related account to my XXXX and XXXX credit report after being notified directly from the bureaus. In addition I never received any initial 5 day communication notice from this AFNI Company as per the FDCPA requires. I find this erroneous credit reporting unacceptable and AFNI is  deliberately continues to violate the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts with ChexSystems on my letter dated XX/XX/2020, and which they received certified mail on XX/XX/2020. I have NOT heard any response from ChexSystems, yet they continue to report the disputed items. 

In addition, I requested pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) and FCRA 611 ( a ) ( 7 ), that you provided to me, which provides that a consumer may request 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. 

I have NOT received any description of procedure. ChexSystems is now in violation of the FCRA under these two counts I have mentioned above. 

I demand all disputed accounts be immediately deleted from my consumer file.
Product: Debt collection

I called Portfolio Recovery Associates in XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!
Product: Mortgage

We refinanced with SWBC in XXXX. The annual escrow disclosure statement came to us around the same time that our loan was sold to XXXX in XX/XX/XXXX. That is when we learned that our escrow opening balance was a negative {$1200.00}, rather than a positive {$1900.00}. As a result of my investigating as to why the escrow account was in the negative, I found out that a " pre-paid '' check of {$1600.00} that was intended for a 1 year premium of homeowner 's insurance was not sent -- and that SWBC took this premium from our escrow account instead, therefore making the account short. Since then, I have sent 12 emails asking where this check is. I have also called many times and spoken with supervisors, XXXX XXXX being one of them -- to no avail. I have called and spoken with XXXX numerous times explaining that what had happened, and I needed time to resolve this. In the meantime, I have been sending the original {$1400.00} payment each month, including the {$390.00} intended for the escrow account. XXXX has now sent a letter saying that they have alerted the credit bureaus and returned the last mortgage payment, less the escrow account monies, saying that they don't accept partial payments ( because I didn't send the extra monies to bring the escrow account up ) .Please help!!!