23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a refund advance loan from XXXX XXXX that was sent to my Credit Karma spend account ( XXXX XXXX  ). My account was closed the same day that the funds were transferred to my account. 

I had previously requested them to change my name from XXXX to XXXX because that is my legal name. They emailed me and requested documentation to show the name change. I provided the information using the link to their website. They claim that it was never uploaded so they closed my account. 

I requested them to change my mailing address on XX/XX/XXXX. They asked for the information and told me they would have their " special team '' make the changes. I waited a week and called back. I was told at that point that I would need to provide documentation showing my new address. I uploaded the documentation and called to verify that they had received it. They told me that the special team is still working on changing it and to wait for an email. They sent an email 3 weeks later and said that the utility bill i sent was blurry and I needed to resend it. I uploaded a new utility bill on XX/XX/XXXX and I can't wait another month for this issue to be resolved. 

They told me that my tax return money would be rejected because they closed the account and that I would be receiving a pair check from the IRS. I called them this morning and they are telling me that they are not going to reject the deposit and that I have to wait for them to make the proper changes before they can send the check. They now have almost {$11000.00} of my money and I have no faith in them. I am starting to think that they will never send it to me. 

The address that the check needs to be sent to is : XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX I have attached a utility bill showing my current mailing address. 

The case number that they gave me is XXXX
Product: Credit reporting or other personal consumer reports

Last XX/XX/year> I noticed a student loan on my credit report that I did not apply for. I sent letters to XXXX, XXXX and Equifax asking them to verify and validate the account they did not send me any information and declined to remove it although they had no supporting documentation to keep reporting the account. The XXXX reporting agencies are reporting stolen debt as I did not give any written consent to any school or US Department of Education to have my personal information. This is a violation of my privacy and I demand this to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still Experian and XXXX are giving me a hard time! This is torture and very depressing.
Product: Money transfer, virtual currency, or money service

I recieved a text on my cel phone on XX/XX/year> alerting me of a fraudulent charge on my Chase checking account. I was asked was this me and I typed in NO and sent the text. This was around XXXX XXXX. I was at work. When I checked my account through the banks app I saw two charges one to XXXX XXXX from my checking account in the amount of XXXX and another for XXXX dollars to a XXXX  service ( international money wire ). And the date of transaction was XX/XX/year> and I recieved an alert on the XXXX th of XX/XX/year>. I never dealt with XXXX XXXX and never heard of XXXX XXXX  transfer. I calle XXXX XXXX Chase on XX/XX/XXXX and filed a claim there were other amounts adding up to XXXX dollars the bank reversed those charges. I was told for these large amounts I would have to wait for them to investigate, they said a police report would not help my claim. They said in XX/XX/XXXX th I would get a final determination on the claim. So on XX/XX/year> I called Chase we went over the claims and I asked for the status. I gave Chase all the info from XXXX XXXX and XXXX  money transfer. Both agency had a name of a person but could not tell me. I told Chase this info as well. I was told by Chase where I have been a customer for over 10 years that they can not recover the money and are not responsible. They said I took over 60 days to report it, I reported it as soon as I was alerted and the amounts were taken on XX/XX/XXXX I was alerted on XX/XX/year>. I called in the claim way before 60 days this is not my fault me and my son are struggling I am so saddened by this. Please help us to recover these funds I had to change my bank account number and everything the old account they took the money from is closed. Please help us I was also told by a banker at a physical chase bank that a suspicious woman called customer service and was asking my balance in the bank account they had notations in red on my account page. No one alerted me of this at all either
Product: Mortgage

Nationstar mortgage is not applying payments automatically to our " amount due ''. Rather, they are treating certain electronic payments as 'principal payments ' or essentially bonus payments leaving us with a late fee and an unpaid bill. This is beyond absurd. We made our monthly required payment and it should *automatically* go towards our amount due. Had we neglected to look at our monthly statement we would have missed the fact that we incurred an {$80.00} late fee. *****One ca n't help but wonder how many unsuspecting customers of nationstar are being hit with such fees unbeknownst to them. I encourage your agency to look into this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted claim for Hardship Covid 19 company accepted and asked for settlement I complied and company has no record of payment but I do.
Product: Credit reporting or other personal consumer reports

I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on XXXX XXXX. 

I would also like to complain against Experian as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and Experian gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if Experian themselves won't let me view my report with the account I established through them?
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I have file this report because I'd like to clear my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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: Checking or savings account

On XX/XX/2024 around XXXX/EDT we arrived at Huntington Bank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI with an order from XXXX County Probate Court and a document designating myself as an authorized representative of the estate and were not only denied access to the safety deposit box per the court order but when asking who made the determination was not given a specific name, was asked to turn over death certificates, legal documents and other sensitive information while refusing to clarify who the information was being given to and for what purpose. After then requesting for the bank representative to respond to the court order stating their refusal to provide access they also declined. Additionally, when I pressed to received a document outlining the banks process for allowing representatives of an estate to access a decedents accounts they refused to articulate the process as well and proceeded to become hostile when being asked reasonable questions about bank procedure which led us to believe there was systemic and individualized bias playing out during this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted 2 disputes with Experian regarding XXXX XXXX XXXX reporting inaccurate information on my credit report. I called Experian on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, Experian hung up on me. 

I didnt make any payment arrangements with XXXX or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently received a copy of my credit report and I noticed inquiries I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be placed on my credit without my authorization. I am requesting that these inquiries be removed immediately from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send me an updated copy of my credit report once this inaccurate information has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is inaccurately reporting my balance on my XXXX XXXX personal line of credit. The actual balance that should be reported on my file is {$770.00}. Out of my {$9000.00} limit {$8200.00} is available. I have a letter from XXXX XXXX to validate the information that EXPERIAN is reporting is inaccurate.
Product: Checking or savings account

I lost my job after being hit by a car XX/XX/2022. I am not eligible for short term disability or unemployment and Im living in a hotel. I had to set up a payment plan for a credit card and they debit my account twice a month and I never know when it will come out. On the XXXX of XXXX my account was debited the {$88.00} and on that same day I deposited {$700.00} cash after pawning all my jewelry. They still charged me the NSF fee. When the bank was Bb & t they would never have charged me now that my bank changed to Truist they charge every penny they can get out of me. They are awful. They caused me to get two credit cards closed during their merger and ruined my credit and Im trying to rent an apartment. I am stuck in a hotel and every penny I have is very important to me with no job no money coming in no unemployment. My job just fired me after I tried to file for short term disability after a car hit me while walking my dog XXXX XXXX XXXX XXXX XXXX XXXX these people are inhumane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report and wrote letters to XXXX, XXXX, and Experian on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks
Product: Money transfer, virtual currency, or money service

I made a payment though XXXX on my Citi Bank App on XX/XX/XXXX of {$1600.00}. Unfortunately, that payment went to the wrong person. The number had one of the digits wrong and was received by the wrong person. I made the transaction before XXXX XXXX and didn't find out until later that evening. The person that was supposed to get the money called me asking if I sent the money. That's when I realized the money was linked to the wrong person on accident. At that moment I was fine and called customer service right away. When I called, the lady I spoke to said that it was too late to reverse the claim. They transferred me to the fraud department to start a claim. The person I spoke to at the fraud department basically told me that the only way for me to get it was by having that person return my money back. To me, that sounded absurd so I asked how come they wouldn't do that instead of asking me to do it myself. The lady basically said they will try within 45 calendar days. At that point I freaked out so I decided to call the lady after I was done speaking to the fraud department. After numerous attempts and dialing from different numbers, the lady finally answered. When I spoke to her she kept saying that I was trying to scam her. She also stated that such money was already gone from her account and she also wanted to speak to her family to she how she should proceed with this. I was on the phone with her for over 30 minutes, explaining to her and asking her to please send it back to me. Once I mentioned law enforcement, she hung up and never answered her phone again. I tried to file a police report after that call and they basically said they couldn't do it because she wasn't doing anything illegal. I explained that she knows that money isn't hers and she's still not giving it back so that's pretty much stealing knowingly. They denied me the police report and at this point I'm blown away. I kept calling customer service to check on the status of my claim and they kept on telling me to wait, that I would receive a letter in the mail. Tuesday XX/XX/XXXX, my account was credited and refunded. I was happy but that happiness didn't last long enough. The following day the money was taken away again and was told that my money was gone and that they weren't able to get the money back from that person 's bank account and I had to pay for it. To this day, I've complained, written letters and spoken to different managers and it still hasn't been resolved. I need help to get that money back. Please..
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with Capital One Auto Finance XXXX I have been making payments on my auto loan for the vehicle financed through Capital One Auto Finance. My current balance, according to my latest statement from Capital One Auto Finance dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, Capital One Auto Finance is engaging in practices that cause undue harm and stress to me as a consumer.

I have contacted Capital One Auto Finance to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence.

I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.
Product: Credit card or prepaid card

I received 2 late fees from PNC Bank for paying my credit card bill on the due date over the phone after XXXX. I was not made aware that a payment made after XXXX is considered late. On both occasions I asked the PNC employees if the payment would post on the same day and I was told yes. I noticed a late fee on my account and asked for it to be over turned because I paid on time. They denied my request. I do not think that this is fair.
Product: Credit reporting or other personal consumer reports

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Product: Debt collection

I have been given the run around  and I conti nue to dispute and report this debt as not being mine, but I 'm still having the same issue. After 5 years this debt has still not been removed, and I need this removed and resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

They dont fix my credit and keep change us fee plus subscription fee XXXX $ they refuse to refund lexington law and poor they dont do nothing at all
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report.

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process.

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information.

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information.

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information on my credit report, and I am requesting validation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). 

Upon reviewing my credit report, I have identified the following information that I believe to be inaccurate or incomplete : Debt Collector Information : Agency Name : XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Debt Information : Debt Amount : {$3200.00} Original Creditor : XXXX XXXX XXXX Account Number : XXXX In accordance with 15 USC 1681i ( a ) ( 7 ), I request that you conduct a thorough investigation of the disputed information. If you can not verify the accuracy of the disputed information within the 30-day period, please ensure that the information is corrected or removed from my credit report. 

Additionally, I request that you provide me with the following validation : Proof of the Debt : Please provide a copy of the original signed contract or agreement showing that I am liable for the debt. 
Details of the Debt : A breakdown of the total amount owed, including the original amount, interest, fees, and any other charges added. 
Creditor Information : The name of the original creditor, the account number, and their contact information. 
Proof of Assignment : If the debt has been sold or transferred, please provide proof that you are legally authorized to collect on the debt. 
Verification of Timeliness : The dates of all transactions, the last payment, and the date the debt was reported. 
Please be advised that under the FDCPA, you are required to provide this validation within 30 days of receiving this letter. Until I have received the necessary validation, I respectfully request that you cease any collection efforts, including reporting this debt to credit bureaus, until the matter is resolved. 

If you are unable to provide the requested validation, I expect that the debt will be removed from my records, and any further attempts to collect on it will be ceased immediately. 

Thank you for your prompt attention to this matter. I look forward to your response in accordance with the 30-day timeframe required by law.
Product: Debt collection

I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?
Product: Money transfer, virtual currency, or money service

I opened a new business connected Remitly XXXX ID # XXXX with my new debt account to pay an employee - 5 days later fraudulent transactions from XXXX began. Remitly exposed or leaked my debit card information. 

do not connect or use their services