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

In accordance with the Fair Credit Report Act XXXX XXXX Creditor : Smith Rouchn 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. This account is fraudulent account, I do not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posted a 30 day late on my credit report for Experian, XXXX and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XX/XX/2019 No information available Hard Inquiry
Product: Mortgage

XX/XX/XXXX, I filed bankruptcy Bank of America ( they held my mortgage ) told me my home was included in the bankruptcy. I continued to stay in my hose paying property taxes and insurance. XX/XX/XXXX, I found out that my house was up for auction at a Sherif 's Sale. I immediately contacted a lawyer and was not able to get help and feeling desperate, I contacted XXXX XXXX for additional help. To no avail, my home was sold and I have until XX/XX/XXXX before I am evicted.
Product: Credit card or prepaid card

Capital One Credit Card failed to disclose that the New Balance figure on the statement was not the correct pay-off figure when the O % Intro APR offer was ending. They failed to disclose that the printed statement due by date was not applicable to the 0 % offer due date of the statement period. They failed to disclose in any email, phone call or even list on the statement the end date of the Intro Offer so the consumer could pay in full the balance before the actual due date and avoid an interest charge on the next statement even when it led to a XXXX balance in the account in the period. 

I had paid off the entire new balance of XXXX before the due date of XX/XX/, 2019 on the statement. They then proceeded to charge me interest of XXXX on the next statement. 

When I called and spoke to XXXX she refused to credit me back this interest even though there were no other changes on the account and my credit rating was over 800 as well. 

I have other credit cards with special offers and they always list the date that special offer will end so that the consumer my pay off the balance before the offer ends. 

This is deceptive practice on part of Capital One, they could do what other credit companies due and disclose the actual date lined out on the statement, not show 0 % in the statement when it really is not 0 % interest to pay by the due date.
Product: Debt collection

I have continued to receive medical debt collections from Komyatte and Casbon over the past XXXX years that were sent to collections prior to being paid to the medical facilities
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : U.S. Bankruptcy XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name : Federal # XXXX Account XXXX : U.S. Bankruptcy Court # XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : Federal # XXXX
Product: Credit reporting

An account was fraudulently placed on my credit file by Experian. below is the account information i have requested a proper verification several times from experian to prove that the account is mine OR ELSE LET THEM DELETE IT, each time there response will be account validated without no proof for me. 

ACCEPTANCE NOW ACC # XXXX DATE OPENED XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

THIs ACCOUNT NEEDS TO BE REMOVED FROM MY REPORT!
Product: Debt collection

Was contacted on Saturday XX/XX/year> at XXXX PM by automated phone call requesting immedate call back no explaination as to what it concerned call back only to be informed that they was closed and to call back on weekday or make payment automatically, then i have recieved XXXX on XX/XX/year> XXXX  messages demanding payment XXXX XXXX AM which i replied stop to be removed because i had no idea who this was, then XXXX more XXXX came in at XXXX AM demanding payment even though NO ONE has said what this was about. recieved opt out at XXXX PM. i also received first mail letter from them which finally said what this was about on XX/XX/year> through XXXX MAIL, it concerns a bill that has been paid to XXXX XXXX  XXXX XXXX by the XXXX XXXX XXXX XXXX on a referral to them from XXXX. what is concerning is they are making calls that cant be answered on days they can't recieve calls back then send multiple text messages that was never sign up for. they also need to contact Original Debtor to find why they havent removed this as they was paid by a XXXX XXXX. this is harassment and uncalled for practises
Product: Bank account or service

I had this account for 15 years. At that time it was XXXX, then that was sold to Metro bank, and now First National bank bought it. I never had a problem until First National bank got into the picture. The buried me in overdraft fees and any other fees they could think of. They took XXXX direct deposites and paid themselves, at that point there is no funds to pay anything else. I was n't aware this was going on because one the bank card was demagnitized, two I felt my direct deposites were covering my charges which were XXXX dollars XXXXdollars gas food, and the big one was paying the rent. My direct deposite is from a part time job, however it 's important to me because it helps me pay the rent, I 'm a widower I live with XXXX kids and put food on the table. What I do n't understand about First National bank is that why is it when there is insufficient funds they do n't simply close the account instead of charging overdraft fees. They do n't have anything written that they have the right to have overdraft fees, so I do n't understand how they can charge me fees take everything then hand it over to a collection agency. There is something fundamentally wrong that allows a bank to do this, to the point of bankrupting an account holder. I have been in contact with them on Fridays because that was the only time I had available, one gentleman looked at my account looked at the fees, then said he did n't have the authority to waive any fees and directed me to his manager XXXX XXXX. She was supposed to get in contact with me and never did, I went back the following Friday and told him what I wanted which was to have my direct deposites returned to me because I earned them, second I want the fees waived, thirdly I want the account closed. He wrote that down and told me the regional manager has the authority to do so his name is XXXX XXXX, and then never heard a word from him. Meanwhile I feel as though they were stalling, eating out the clock so they can bring it to a collection agency so they do n't have anything to do about it. While this was going on I opened up another account and had my money moved to that account because it would have been an endless viscious cycle. That other account, there 's an agreement that if there is insufficient accounts there would be a decline when swiped. To have this thing go one and owe an exuberent amount of money baffles me and the only thing I can conclude on is that this is how the bank makes its money. So they are looking to create scenarios to look into your account and to go around doing this. As I stated before First National bank has no agreement to take my money to charge me, nor did I agree to their policies on how they run their business. I 'm a struggling guy and when I lost those direct deposites it was devistating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Checking or savings account

Until today, I was a customer of Marcus by Goldman Sachs. On XX/XX/XXXX, I called Marcus to make a wire transfer to an escrow agent. I requested to send {$39000.00}, and it was sent without issue. When I attempted to wire the remaining amount due for the down payment on my home on XX/XX/XXXX, I was told that Marcus could not send wires to external accounts that do not belong to me. Only at this point was I informed that Marcus had made an exception in the earlier wire transfer. I was forced to wire to another checking account that belongs to me, delaying my closing. I asked that all funds be wired and my account closed. The funds were wired from Marcus to my external checking account after a business day, but all access to my transaction history at Marcus was also eliminated. The customer service agents claim that there is no way for them to generate a transaction history ( required by my mortgage lender ). They claim that they can only send a letter with limited information, by mail. This is an unnecessary inconvenience that is further delaying closing on my home. I believe this policy is in place as a form of retribution for closing accounts. Policies are clearly not applied consistently, and the bank appears to intentionally make it difficult to access funds.
Product: Vehicle loan or lease

Sheffield Financial pass word reset did not work correctly i was directed to contact the institution. 
I have spent XXXX on XXXX different days to get this fixed. 
call centers are jammed However this is XXXX loan and they are charging extra interest. 

you would think for customer that held on for XXXX min and then had to abandon they would call back. 

I don't want to be charged XXXX extra days of interest because of their in ability to staff their call center or manage their technology.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Mortgage

XXXX XXXX  : My XXXX were never paid in XXXX by PHH Mortgage. I had to pay the attached tax bill out of pocket and need a reimbursement check for the amount of {$7000.00}. 

I was told by XXXX that PHH Mortgage was responsible for paying my XXXX taxes in XXXX because PHH purchased my mortgage in XXXX of XXXX and that the escrow account was purchased with this. 

I paid my mortgage and tax payments every month on time. 

I received a letter from XXXX XXXX stating that my taxes were never paid. They stated that all that they needed was a bounced check OR a wire number transfer to show proof of payment. 

I reached out to PHH Mortgage to see why the taxes were never paid and they told me that my XXXX taxes were paid to the INCORRECT parcel number. I have been working with the escalations team for the past 8 months to get this resolved with no progress made. The last email stated that they would no longer be addressing this issue. 

I have contacted them over 20 times to solve this over the past 8 months with no resolution and do not know how to get this money back. 

I had to pay my taxes myself so now I have paid double the amount I should have paid.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023, I received an email from Experian that a credit check was made on my Experian credit file. The inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV XXXX. I called the number on the report from Experian. Spoke with XXXX on XXXX XXXX. XXXX issued an internal XXXX XXXX to block the person applying for the loan. XXXX was to send me a " XXXX XXXX '' for me to complete and return. Today, XXXX XX/XX/2023 I called XXXX XXXX back to say I had not received the XXXX XXXXt. I spoke with XXXX again. He said it takes XXXX to XXXX  days for the XXXX XXXX to arrive. I don't recall this being stated on my XXXX XXXX call. XXXX was going to place a XXXX XXXXXXXX XXXX in the mail just incase the XXXX packet does not arrive. 
I inquired again, that the application was denied and labeled as XXXX. XXXX assured me that the appropriate action had been take internally.
Product: Credit reporting or other personal consumer reports

XXXXormal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am writing to formally dispute the reporting of XXXX XXXX  account Account XXXX XXXX on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request an immediate reinvestigation of this account. 
If XXXX XXXX  can not provide verifiable proof of accurate reporting, this item must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX  is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences.

Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( XXXX and XXXX ). This is a violation of FCRA and if XXXX XXXX XXXX violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Product: Credit card or prepaid card

I am a Capital One Credit card customer since XXXX, I think. My name is XXXX XXXX. I am lodging a formal complaint to their disputes division in Utah as well as seeking federal relief from XXXX  XXXX. I disputed two charges on my Credit card. In XXXX of XXXX, I disputed a charge of XXXX dollars re a rental car. I never got any immediate update so I paid balance off in less than a months billing cycle. In XXXX or so, out of the blue, I get statement showing my balance as minus XXXX dollars. I call and find that the car rental company refunded the disputed amount. Capital One sent me a check for {$750.00}. That was all good. Suddenly now 7 months later, XXXX XXXX XXXX XXXX the XXXX dollars has been rebilled to my account out of nowhere. I call for explanation and the rep stutters about this or that and puts me on hold for over 10 - 20 minutes or longer. I hang up call back. This time I insist to the ( different ) rep that I want to dispute being rebilled. She seems stumped cause she is taken off her script I suppose. I repeated myself three times, but gave up exasperated. This is like a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Accounts # XXXX I.C. systems Inc, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, XXXX, EQUIFAX, ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSUMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. Nor could these accounts be reporting on my credit report because they did not stem/originate from a credit transaction
Product: Checking or savings account

Fraud for employer of XXXX  XXXX XXXX XXXX XXXX ex convict for robery cibernetic and unknown person XXXX  This persons alterate and robery this pay mounth due the one credit one make for me.
Product: Debt collection

On Monday, XX/XX/2023, I was reviewing my XXXX credit report and noticed a fraudulent account from Berlin - Wheeler Inc K in amount of {$77.00}. It was initially reported on XX/XX/2023. It originally came from XXXX XXXX.
Product: Debt collection

Fair collection and outsourcing ( FCO ) on XX/XX/year> did reach an agreement to settle the debt owed to XXXXXXXX XXXX XXXX XXXX for the amount of {$840.00} and i did make the payment and they have refused to acknowledge the payment or honor the agreement made. 
i have reached out to them to figure out the issue but they have ignored me. 

NOTE : i did reach out to XXXXXXXX XXXX XXXX XXXX to inform them of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX of 2024 ... and i requested for my SCRA to be applied to my debt before my return from XXXX, and they did not acknowledge my request .... so selling my debt during such time without my notice is also against the law and they have also at the point decided to ignore the payment and the agreement i have reached with the to complete this payment.