23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My statement balance for my Bank of America card for the month of XXXX was {$150.00} which is due on XXXX XXXX. I requested for a statement credit for the same amount ( {$150.00} ) on XX/XX/2021 and posted XXXX XXXX which bring my balance down to XXXX. To my understanding my balance is XXXX for the period. 

Late XXXX, I received a notification from them that my account is past due and they charged me of late fee. I called them to get clarification and told me that even my balance is XXXX, I still have to pay which I totally dont understand. They want me to pay the minimum balance, which to me is absurd, when they already posted the credit and balance is XXXX. Why are they still forcing me to pay, despite XXXX balance, and now they charged me for late fees. 

I do believed that this action is ridiculous, by forcing a CC holder to pay despite a XXXX balance on the account
Product: Debt collection

XXXX filed a lawsuit which I did not contest and call and set up payments with their attorney. I called and satisfied the debt and received a paid in full letter in XX/XX/XXXX. I am attempting to refinance my home and discovered that while my consumer report shows the balance as XXXX, the attorneys office never filed the proper papers with the court to show the judgement as satisfied. I have called the attorney misled me into thinking that they had sent the letter to my local court clerks office to show the judgement was satisfied. After waiting 7 days for the letter to arrive, the attorney for the mortgage broker I am working with called and finally got the truth from XXXX the rep we had been speaking with. The truth is that the letter was sent to their local attorney in Tennessee, and he will into sign and send the letter to the court in XXXX, Tn. According to XXXX this process could take 30 to 60 days. I lived up to my part and paid the judgement in full. It has been 14 months and the attorneys office has not sent the letter to the court saying that the judgement has been satisfied and now they want me to wait 30 to 60 days longer. By the time this is done if it is done as they say, my refinance will be denied.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Vehicle loan or lease

My loan with Hyundai Finance was paid off on XX/XX/2019. When paid, Hyundai Finance stated while late, they would show the car was paid in full and satisfied. I never dealt with a 3rd party, the loan always remained with Hyundai. I have requested a correction because this has harmed my ability to apply for loans and credit cards. My most recent call to Hyundai resulted in the same inaction.
Product: Mortgage

I sent PHH MORTGAGE SERVICES an affidavit of adverse order, which had been recorded on the land records, to remove them as trustee of my estate on my real property via registered mail. They continued to harass me about payments without true verification of the debt, so with honor I made multiple attempts to settle this debt, which was illegally and fraudulently obtained through lack of full disclosure, unfair mortgage banking practices, and identity theft. PHH illegally used and monetized my promissory note for gains without my consent and PHH also provide my private persons information to 3rd parties also without my consent. 
I presented them payment via legal tendered negotiable instruments of {$56000.00} on XXXX then {$19000.00} on XXXX to settle. PHH never returned my instruments, in which they were acceptance of, nor did they apply credit to my account. 
Phh proceeded to do a fraudulent and illegal non jurisdictional foreclosure, even after I tried to settle and have adverse affidavit removing them as trustee. PHH never sent special notice to me, nor put in newspaper for 20 days or weekly up to till sale.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain hard inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that are incomplete and inaccurate, which violates the Fair Credit Reporting Act ( FCRA ).

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As a result, I request the immediate removal of these inquiries from my credit report. 

The inaccurate information in question is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inaccuracies not only affect my credit score but also hinder my ability to obtain credit or loans when necessary. As per the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right by bringing these discrepancies to your attention. 

I kindly request that Experian conducts a thorough investigation into the validity of these inquiries and removes them from my credit report promptly. Failure to do so would constitute a violation of the FCRA and could result in further action. 

Please acknowledge receipt of this dispute letter and provide a timeline for when I can expect a resolution to this matter. You can reach me at the contact information provided above if you require any additional information. 

Thank you for your prompt attention to this matter sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card

We have Macy Credit card since 2009. This week, we received a letter from Citi Bank that stated we are ENROLLED in Credit Protection program. You have to call # to cancel the enrollment. We thought that this letter is a scam so we called Macy directly about it. We talked to the manager and complained that this is un-ethical business practice selling & charging customers service w/o their approvals. The manager offered connecting me to Citi. I told him that I am your ( Macy ) customer - not Citi. So you ( Macy ) are ok with this practice. He offered again to connect me with Citi Bank. 
So basically Macy knows of the un-ethical business practice from Citi and did NOT do anything to protect its customers base. No comments from the manager ... and again offered to connect me to Citi for cancellation. I told him that you just lost a customer. 

We are cancelling Macy card.
Product: Debt collection

I first like to refer to case number : XXXX and Related Case Number : XXXX Wherein Palisades Collection LLC responded to my initial complaint filed through CFPB in XX/XX/XXXX by stating the following : " In the spirit of goodwill, Palisades Collection , L.L.C. will close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' However, today XX/XX/XXXX I received two new collection notices from Palisades Collection, LLC one for {$2500.00} and another {$6800.00}. 

Palisades Collections LLC, knows full well that 1 ) this debt is not associated to me personally, is 2 ) long past the statute of limitations for collections, have 3 ) been notified already by my attorney in XX/XX/XXXX to cease and desist ALL communications and debt collections from me, and 4 ) the above quote from the most recent complaint filed in XX/XX/XXXX - wherein they promise categorically to cease and desist attempting collection. 

Therefore, I intend to file a mail fraud complaint against Palisades Collection, LLC for attempting to collect on a debt that they have already acknowledged is neither mine, nor collectible, and for which they have agreed in writing to " close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' If I do not receive a satisfactory response from them through your offices to fully and forever cease and desist from attempting to communicate ( or to sell this bogus debt ) for collection, I intend to file with the State District Attorney in California and further to file charges with Federal authorities for Mail Fraud ( 18 U.S.C. Section 1341 ). 

Thank you in advance for contacting them again for something that was supposed to have been resolved four years ago. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I noticed Mohela was reporting a student loan balance that is not my account and when I disputed it, they said that it was verified as valid, which is not, and I could even show it on my student loan account where my Mohela account does not equal that amount
Product: Credit card or prepaid card

I have this " XXXX XXXX '' gift card for a few years. Because of Covid and other health related situations, I have not used the gift card until yesterday. I always write down the balance on the card ( {$110.00} ). Surprizingly, I was told yesterday there is almost no blance on the card ( XXXX cent ). 

I contacted XXXX XXXX customer support and requested a transaction history. I was told that they do not have transaction history. 

I live with my husband and no one gets access to my storage. There is zero chance that this gift card gets used unless there is some fraud involved. It happened before years ago that a store clark used one of my gift card. I suspect something similar to it might have happened on this account.
Product: Bank account or service

Navy Federal Credit Union froze my bank accounts over credit card dues.
Product: Debt collection

In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.
Product: Student loan

In 2014 I was working with navient to pay off my student loans, I worked out a monthly payment plan to get brought current with my payments. I had paid on my student loans for the six months span they said I should. After the 6th month they told me that my loan would be transferred back to Sallie Mae where I could continue to make these payments.when attempting to get a hold of Sallie Mae they had no information on my loans they didn't know anything about my particular student loan debt. however upon getting back in touch with navient they told me that it was no longer in their system because they transferred it to Sallie Mae and I was brought current with my loan. I was also told that since my loans were current, that my tax return would no longer be withheld from me and I would even be able to reapply for a new student loan if I so chose. After a few days of trying to contact Sallie Mae I received another phone call from navient. they informed me that I was delinquent on a loan, which I explained I have been paying for 6 months and done everything appropriately. It turns out they conveniently left one of my loans out of the original debt that I had.so, I'm thinking I'm doing the right thing and paying off my student loans and getting ahead of it. Apparently they decided to leave one of the student loans out so they could continue to call and harass me about a separate student loan. Which should have all been bundled into the one payment I was making. Upon doing some further research, I found that four of my student loans were paid up and current, and the two that they conveniently forgot about we're still in delinquency. at this point, Sallie Mae still has no information about my student loan making it impossible to pay. A navient wants to start this payment plan all over again with separate loans that should have been included in the original. my taxes have been taken from me every year since then, and I have still not been able to resolve the issues of the misplaced loans while dealing with navient. when trying to do the right thing and pay off a debt, a company that large should not be doing everything they can to hold you back from paying off said debt. it's been racking up interest and late payments and everything else simply because they decided to separate my student loans and not tell me that I was only paying three-quarters of my loans. I have since gotten married and had children, now as a family we are losing all of our tax return at the beginning of the year. I have just recently heard about the lawsuit against navient, and realized a lot of the things that are in that lawsuit is what they also did to me.after doing what I could to get on track with the loan repayment and fix my credit and get my taxes back at the beginning of the year, they have continued to make that nearly impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Product: Checking or savings account

On XX/XX/2022, I received a merchant refund via square bank/CashApp. I called CashApp and was told that Cashapp could not and would not release the funds to me in order to protect my new account. Problem is that the merchant refund went to a previous CashApp account of mine which was closed due to consistent fraud via CashApp. Although I attempted several times to resolve the issue via CashApp and on my own, fraudulent merchants continued to try and directly debit money from my account. As per CashApps request, I changed my CashApp debit card 3 times and changed my email address. To no avail, and it became apparent to me, that the issues did not lie within the debit card but with account and routing number for square bank, as the fake merchants continued to try and debit my account. So, to help myself, I canceled XXXX XXXXXXXX and opened a new account, XXXX XXXXXXXX Upon realizing that that my granddaughters school had refunded ( merchant refund ) a {$120.00} deposit to the old account ( $ XXXX ), I immediately called Square/CashApp to have them either transfer the refund to my new account or mail me a check. They refused to do either citing security reasons and will not give me any further information on how to proceed in getting my money back. Shortly before I close the first account, I received a letter from CashApp informing me of a rogue employee who stole information and that my account was not affected. Being that CashApp states explicitly that they will not give me any information on why the money will not and can not be forwarded to me as per security issues, even after I have given all of my information from the previous and new accounts, how do I get my money back with all the security issues that Cashapp says are preventing me from accessing my money? In addition, CashApp sent me an e-mail stating that unclaimed money is then forwarded as escheat. How could this happen when I am asking for my money? I have no idea as to what the real time security issues are and CashApp wont reveal what I need to do to resolve the issue. Square simply says they will not provide me with any detail. Once this issue is resolved, I will be closing my account and since I do have several real bank accounts, including XXXX XXXX, XXXX, and XXXX. I only used Cashapp as a convenience to send and receive money to and from my children and grands as CashApp has a feature to close the card at will. However, this feature does not affect or apply to direct debit from a merchant- which is the reason for closing XXXX XXXXXXXX. I will also direct my 5 children and 10 grands to close their accounts too because this is not good.
Product: Checking or savings account

On XX/XX/year> someone broke into my account and made a pay in 4 purchase of {$480.00} at XXXX in XXXX, GA. I reported this to Sofi and they immediately locked my account. They told me they would investigate and it would take 48 hours before my account was unlocked. I have called multiple times for an update since its been almost 2 weeks and I have bills due. This may potentially impact my credit score due to being unable to pay my credit cards. I told Sofi all of this, they told me they couldnt update me. They informed me that I couldnt speak with anyone from the review team and were able to give me a timeframe that my account would be unlocked.
Product: Debt collection

Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this XXXX XXXX XXXX XXXXCapital One account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX because of this collection that is not mine as explained to both XXXX and XXXX XXXX since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately. 

I don't know but Capital One approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by XXXX XXXX. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and XXXX XXXX started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account. 

Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless! 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a XXXX XXXX XXXX giftcard, and redeemed the giftcard through the XXXX XXXX XXXX website. I had already created an account and linked my Nelnet student loan. XXXX XXXX XXXX confirmed that the payment had been sent to Nelnet on XX/XX/12, however no payment has been made to my loan.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate, incomplete and fraudulent credit information on my personal credit report. The following inquiry doesnt belong to me : XXXX. XXXX XXXX - XXXX