23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I do not have any issues with the three major credit reporting agencies. However, there is a problem that was started upon my move to the United States in 2018. I had a new job as a XXXX at a hospital in Maryland. In order to start work I needed a social security number. The IRS gave me a temporary Tax ID to use in place of a social security card, and eventually I received my card. My tax ID number was XXXX. While I awaited my card from the Social Security Administration, I used the Tax ID number to buy a vehicle. That vehicle has been paid off. Accordingly, I need each credit bureau to delete my old Tax ID number and only maintain my social security number ending in XXXX. My bureaus are showing basically two social security account numbers, and I need the bureaus to merge my files under just my social security number.
Product: Mortgage

Did not receive escrow after refinancing with another company. My Loan is XXXX. My Insurance company XXXX informed me they returned the insurance escrow payment ( {$810.00} ) to NewRez but NewRez never returned the escrow overage to me.
Product: Credit reporting

XXXX XXXX is on my XXXX report as an open acct, open date as XXXX XXXX, date of last payment XXXX XXXX with a balance of XXXX {$.00} i did dispute with both equifax and XXXX because it didnt match equifax report- and during the dispute XXXX removed my acct from equifax, then put it back on with different info. the first report that was removed had an open date of XXXX XXXX, and is listed as closed, when they reentered it onto my credit report on XXXX XXXX, it is listed as open, opened on XXXX XXXX, a balance of XXXX, ( i have made no payments ) and it says i missed XXXX payments ( i havent made any payment arrangements.they also have it listed as XXXX months on XXXX report.i feel something just isnt right, and i have received no correspondence from XXXX other than when my car was auctioned and i owed the amt of $ XXXX that was back in XX/XX/XXXX.
Product: Debt collection

I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. I have previously reported this information and the consumer agencies stated they verified the information but did not provide me with any further information on how they completed their investigation. It is my belief they did not complete an investigation but just stated they did. This has caused me to file for arbitration seeking damages. The account listed as XXXX XXXX Account # XXXX has several late payments that is not correct. 

XXXX XX/XX/year> XXXX XX/XX/year> Equifax XX/XX/year> XX/XX/year> XX/XX/year> These late payments are not matching so it can not be accurate so tell me how did you complete the investigation when you can not even report the same information for the account. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX, XXXX and Transunion for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.
Product: Mortgage

My second mortgage was transferred without my input to a new servicer. My first statement from the new servicer indicated that I had a past due payment as well as a due payment. I contact the new servicer and told them that this was incorrect, that the last payment to the old servicer had been made. 

I provided the new servicer with the statement from the last servicers, and a record of payments from my bank showing the payments. I have contacted the new servicer by telephone. I have spoken to the old servicer by telephone and they advised me that the information they handed off to the new servicer included all information including the last payment to the old servicer that the new servicer is ignoring. 

The new servicer refuses to acknowledge the information. They continue to show the 2nd as past due with late fees etc. 

The new servicer maintains that it is my problem to work out with the old servicer. I maintain that it was not my choice to change servicers and that it is for the old and new servicers to work out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted three letters to XXXX XXXX and equifax stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not XXXX XXXX nor equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING
Product: Bank account or service

I applied for a 18 mo. CD at Ally Bank for {$75000.00}. They withdrew that amount twice with authorization for only one. It resulted in insufficient funds charge on the checking account from which it was withdrawn. They refused to interrupt the transfer and I was charged {$34.00} by my bank for the ISF. I received confirmation of only XXXX transfer but they still contend I made XXXX requests. The branch manager at my checking account bank called Ally while I was in the office and they agreed to return the second {$75000.00}. They will not pay the cost of doing so. I told them I wanted the whole transaction cancelled and they will charge me 60 days interest or approximately {$150.00} for the 2 days it was funded. I have been a customer for several years with Ally, but wo n't continue to be if I can find a way to remove my accounts from them without severe penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide bank statements or documentary evidence to prove I was late or update these accounts to paid as agreed.
Product: Credit card or prepaid card

My complaint is against Capital One credit card services. Back in XX/XX/2017, I decided to apply for another credit card. Not realizing that my credit report was destroyed by Capital One. I assume before I head plaque for credit, that my credit was good. Knowing I have never been late with any of my payments to Capital One. That I also had no other credit card. I felt that I've been with Capital One for years and paid all my bills on time as promised. So never once, did I imagine that my credit report was no good. 

After some time has passed, I decided to apply for my annual free credit report. Just to see what was going on and what was causing my credit report not to be any good. I looked on the XXXX, XXXX, and XXXX. 

When reviewing my credit report, the only thing standing in my way, was Capital One reporting delinquency. However, the report is ready complicated and had a lot of conflicts in there. First, it says paid on time as a agree for the past 3 years without a problem. However, in is comments in there, Capital One stated I was delinquent with my payments. On one part, it says I'm delinquent. On the next part says, I pay on time. Very conflicting. How can Capital One say one thing, and on another part of the report says something else? 

Keep in mind I paid my credit card bill on time and have never been late in years. I only have one Capital One credit card. Which is called Capital One Journey.That I had all these years. I also do not receive a statement in the mail and have not received a statement in the mail for years as well. So if there was any problem I would not be aware of anything. Knowing I do not receive any statement. Then again how can there be a problem, if I pay on time and never went past the due date. 

However, I always went by the due date that Capital One said will always be my due date. For the as long as I own this credit card. I've been paying on time and have never missed one payment. That is good for a young person like me. 

If there was any problem with my account, I never once received any letter from Capital One. I never once received any calls from Capital One. I was never told my Capital One, that my payments are late or were never processed. 

So as far as I am concern, I was on time with my payments. I did everything right. So my credit report should reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting TRANSUNION to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. TRANSUNION has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number : XXXX. XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. TRANSUNION is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.
Product: Checking or savings account

The XXXX credit for XXXX was received by me and cashed but that account is still missing a XXXX credit for XXXX $ that still I don't receive. Because that account ending in XXXX had a balance of XXXX $ when it closed. And you only send me XXXX XXXX Please review this matter and we try to resolve this matter, and please notify me of info on the remaining XXXX $ / that is still not here! Thanks Chase needs to also reject mine and my wife 's IRS stimulus checks since but was sent there and my account should be closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CHASE AUTO Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CHASE AUTO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX Balance : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX NAT ) XXXX Balance : {$680.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$650.00} XXXX XXXX Balance : {$680.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I paid {$1200.00} over the phone. I was told it was for my car note for this and next month. No payment has been updated. Have I been robbed of my money?
Product: Debt collection

I called Dynamic Recovery Solutions XXXX on XX/XX/2021 at XXXX and informed them that I dispute the validity of this debt because I never applied for these credit cards and never owned them and that someone has stolen my identity. I also mailed a written letter to them on XX/XX/2021. 
Ref # XXXX, XXXX these are the two letters I received in the mail from Dynamic Recovery Solutions.
Product: Debt collection

We moved to XXXX XXXX XXXX XXXX. We resided in one apartment from XXXX  Then we moved to a second unit in XXXX, where we resided for two years, until XXXX. When we left in XXXX we were not allowed a move out inspection, we weren't sent an itemized list of damages, not were we provided any receipts to substantiate repair costs. We never received any return on our security deposit, and we simply cut our losses and moved on. Now, we have been contacted by debt collectors who have not been provided with any substantial evidence to verify any debt. They have not furnished us with documents to establish that the debt exists or is valid. They seemingly have not read their own evidence as they furnished us with our initial lease for a different unit.
Product: Credit reporting or other personal consumer reports

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: Debt collection

I see a collection on my account that is not mine and I had wrote an contacted XXXX  and they gave me a very hard time. I suspected it was fraud and the person who I have talked to on the phone acted as if he didnt care at all. I am trying to get the following account remove from my XXXX  account XXXX Credit report I.C. System, Inc ( creditor ) Account number- XXXX Collection Account Alleged balance- {$1200.00} Alleged date open - XXXX, XXXX
Product: Checking or savings account

I opened a new Business Checking Account in XX/XX/2021. I was promised a {$300.00} bonus for opening the account. I was told verbally by the person I opened the account with that to get the bonus I could do 5x ACH transactions. Now, after the date has passed, the bank is telling me that in fact only ACH credit transactions would count. They claim I was given a handout which indicates this, however, I received no such document. I want the bonus I was promised as I complied with the terms they told me in person. 

Chase provided some fake letter in response which I never received. In addition, on XXXX I spoke with their customer service, XXXX, tracking # XXXX who further confirmed to me that I was eligible and should have received the bonus. She also verbally told me ACH debit would count. Why am I being told one thing and then another. Chase must honor the terms that their employees have told me.
Product: Debt collection

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Representative, I am writing to formally dispute the results of a recent account verification provided to me regarding an account with XXXX. I previously requested full validation of this account, but instead, I only received a basic verification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand validation that includes physical proof that this account belongs to me. 

This issue is especially concerning because I am a XXXX, and mistakes in reporting are possible. I request physical documentation proving that the account associated with the details below is correctly attributed to me : Account Information : XXXX Account Number : XXXX Credit Bureaus : XXXX, Experian Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$0.00} Please provide the original signed contract or any other supporting documentation showing that I am responsible for this account. If the company can not validate the account with appropriate proof, I request that this account be promptly removed from all reporting credit bureaus. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX I kindly ask for your immediate attention to this matter. Please notify me once the validation has been provided or the account has been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to adequately protect consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer safety.
Product: Checking or savings account

I opened this checking account with a promotion which states that if i do a direct deposit for XXXX  months - I am eligible for {$200.00} cash back bonus. But when i chatted with customer service it seems that it is not the case. 
Direct deposit has been done in XXXX, XXXX and XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX - {XXXX} XXXX XXXX - XXXX - {XXXX} XXXX - XXXX - {XXXX} Department of Education - XXXX - {XXXX} XXXX - XXXX -- - {XXXX} XXXX XXXXXXXX XXXX - {XXXX} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Product: Debt collection

I am disputing an account with Fist Progress. I have asked for validation in which the response did not show a contractual agreement bearing my signature. The most recent letter was sent on XX/XX/2023. The account shows inaccuracies with the date opened, credit limit, date last active and the date of last payment. I am requesting for the inaccurate account to be DELETED off my credit report. It is reporting to XXXX XXXX and XXXX I initially contacted the credit bureaus that the account was reporting to and since an investigation was to be done First Progress has not deleted or tried to rectify this situation. The account does not belong to me and must be deleted