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

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 are reporting on my personal credit file with ( XXXX/Experian/XXXX  ) credit reporting agency. These inaccurate addresses, account and inquiry were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Debt collection

This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.
Product: Credit card

A credit card was opened without my knowledge, I submitted a complaint before but i was told to file another another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Capital One on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 


Please delete the following accounts : XXXX XXXX  Account XXXX, Amount {$920.00} XXXX  XXXX XXXX, Account XXXX, Amount {$550.00} XXXX XXXX XXXX, Account XXXX, {$1700.00} XXXX XXXX, {$1800.00}
Product: Debt collection

On XXXX XXXX, I made a payment of {$35.00} and on XXXX XXXX I made the final payment of {$41.00}. The company is DCI ( Differsified Consultants INC ). The original creditor was XXXX. I want them to send to credit bureau that account is paid so my XXXX credit report shows as paid. And to send me a statement that account has been paid.
Product: Student loan

I called EdFinancial XX/XX/XXXX to request a refund of 2 payments that were made after XX/XX/2020, they said it would between 5 months and a YEAR to process the refund. This refund was authorized under the CARES Act and other servicers are able to process refunds in a reasonable time ( 2-6 weeks ). I was told they could provide no confirmation and no method to track the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to get Experian to correct my credit card balances. I am told each time that they will update the information as soon as the creditor notifies them. It has taken sometimes 3 months. I want to know why they can confirm that a negative account is valid sometimes within the same day as the dispute but when it is in the favor of the Consumer it takes them 30-90 days. It is my understanding that they must report correct information. I think 15 days after a payment has been processed is sufficient enough time to reflect on a credit report. I also question why my score will drop 15 points if a collection is reported but then when I successfully dispute it my score only improves by 3 points. Something has got to be improved for processing. If they are going to be allowed to report payment information then it should be accurate at all times.
Product: Debt collection

This company keep collecting on a debt that dont belong to me. I filed identity theft report as well. I called this company multiple times requesting signed documents that this debt belong to me. Each time they said they where putting it in the mail and I never received it. I am requesting a signed copy with my signature that I owe this debt please
Product: Mortgage

My mortgage loan originated in Hawaii with XXXX XXXX XXXX, a few years ago servicing was sold to another company - Dovenmuehle. My loan was paid off on XX/XX/XXXX. Dovenmuehle retained the balance in my escrow reserve account. Property taxes were due on XX/XX/XXXX. I previously called Dovenmuehle Customer Service ( early XXXX ) to find out if they were going to pay for the property taxes or, if they were going to refund the amount to me. I was told they are refunding the amount and I should receive the check ( {$450.00} ) by XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX - no check received. Called Cust Service again today. Said I should receive the check within 12-15 business days. This is unacceptable. They can not even tell me if or when the check was sent. I had to advance the funds for the property taxes so I would not be delinquent. How long can a Servicer hold on to funds due to me after my loan was paid off? They could not even tell me if the check is being mailed to me ( in Hawaii ) from the East or West coast. Very frustrating.
Product: Mortgage

***PLEASE NOTE THAT NATIONSTAR/MR COOPER HAS STOLEN MY XXXX PAYMENT*** THEY WERE TOLD TO PROPERLY CREDIT IT ON THE PHONE AND REFUSED IN VIOLATION OF LAW ... THIS IS RECORDED ON XXXX XXXX 'S LINE*** > > > NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD > > > NATIONSTAR HAS CONFIRMED LOAN ESCROW FRAUD > > > NATIONSTAR HAS CONFRIMED COMPUTER FRAUD > > > NATIONSTAR HAS CONFIREMD ADDING ILLEGAL FEES > > > NATIONSTAR HAS CONFRIMED THEY DO NOT HAVE THE PROPER LOAN DOCUMENTATION ***NATIONSTAR HAS FURTHER CLAIMED THAT THEY ARE ABOVE THE LAW AND THEY DO NOT HAVE TO COMPLY WITH STATE OR FEDERAL LAWS*** QUOTE FROM THEIR RESPONSE ON THESE ILLEGAL ACTS THEY HAVE CONFIRMED " At this time the account is current and due for XXXX XXXX, 2017. After completing our review into the aforementioned issues we determined that  overall, there were no errors on our part. '' IN ADDITION, NATIONSTAR HAS LIED ABOUT A FORECLOSURE THAT THEY SAID WAS NOT HAPPENING, THEY HAVE ALWAYS FAILED TO PROVIDE MONTHLY STATEMENTS, AND THEY ARE ALL STILL REFUSING TO COMPLY WITH ANY LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I received a letter in the mail saying I was gone be receiving a check to address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I haven't received it
Product: Checking or savings account

Late XX/XX/2021 I moved to XXXX XXXX from XXXX Oregon, I have checking account with Bank of America. I needed to withdraw money from a local ATM couldn't from several weeks. I tried to get online with the bank could not do it. I have called several times to the Bank to no avail, several departments such as Customer Service, International Support, Fraud Desk, Cliente Care Executive Response Team no help whatsoever. I am a retiree who depends on Social Security pension my need is such that I need to pay locally rent, food, transportation besides medication and doctores for my relative that was the reason a came to XXXX to help a relative. It has been already 2 months and no help. I am about to send documentation where it shaws my name including social security number, US passport, US citizenship certificate, my birthcertificate, my drivers license from the state of Oregon, letter from the same bank indicating the date Social Security makes direct diposit. I have nobody to orient me for this case my only recourse was to get in touch with Congressman XXXX XXXX who was able to reach to Consumerfinance.gov. Thank you
Product: Credit card

On XXXX XXXX I applied for and was approved for an XXXX Platinum card with a XXXX Membership Reward point bonus after spending {$3000.00} within the first 90 days of card membership. 

On XXXX XXXX I called XXXX to confirm that I was eligible for the offer - the rep confirmed my eligibility. To make totally certain this was accurate, I then called back two more times and spoke with different reps who also confirmed eligibility. 

Based on these approvals, I then spent {$3000.00} on the credit card. But for the confirmation made my XXXX reps, I would not have spent this money and would not have singed up for the credit card at all. 

I have contacted XXXX who is now ( after I spent the {$3000.00} ) saying that I 'm not eligible for the point bonus. They first conducted an investigation in which they claimed that I never called to verify eligibility. After providing proof that I called, they then changed their story to say that they were able to find the calls and confirmed that the representative did confirm my eligibility. However, even though they admit their mistake, they are still not willing to honor the point bonus. I have defrauded out of {$3000.00} and XXXX membership rewards points. 

Please see the attached documents which highlight my application approval, my phone call records, letters from XXXX denying I called, and their eventual admission that I did call, but they are unwilling to make good on the word of their reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full legal name only consist of one first name and one last name. I do not have now, nor have I ever had a middle name or initial. 

1. XXXX  reports that I have the middle initial of " M ''. This is incorrect and is not my name. 

1. Equifax reports that I have the middle initial of " S ''. This is incorrect and is not my name. 

1. Equifax also reports that I have a former first name as " XXXX ''. This is incorrect and is not my name.
Product: Credit reporting or other personal consumer reports

I have told Experian a dozen times that they are not listing a CD account at XXXX XXXX XXXX XXXX that now has over {$80000.00} in it. They have access to all the accounts at XXXX with the user name and password that I have provided. They have also lowered my XXXX score for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an additional payment on my Capitol One credit card on XX/XX/XXXX in order to lower the overall balance. I did this before the end of the billing period ; I had already made the regular monthly payment prior to the due date. If you look at my account history, I have done made additional payments after the due date several times without incident. 

For no reason whatsoever, Capitol One did not apply this payment to the billing cycle that it was in. My current billing cycle included transactions and payments from XX/XX/XXXX to XX/XX/XXXX. Therefore, the XX/XX/XXXX payment that I made should have been reflected in this period. 

Capitol One did not post the payment until XX/XX/XXXX, even though I made the payment on XX/XX/XXXX, it posted on XX/XX/XXXX, and it was deducted from my checking account on XX/XX/XXXX. Because they did not report this payment, my overall balance is over the credit limit on my credit report. This is not fair, as I made the payment in the billing period in order to prevent this. I have reached out to them several times and tried to dispute this item on my credit report to no avail. When I disputed it with the credit agencies Capitol One then reported the current balance as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information to my transunion credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate
Product: Mortgage

In XXXX Carrington didn't take their mortgage payment. 
It's now XX/XX/XXXX I believe still no payments taken out. 
Received a delinquency letter saying to call. 
As I told you earlier I don't have phone service right now. 
I hope you told them that in your response to them. 
An in their delinquency letter they sent forms for Mortgage assistance. 
I don't need mortgage assistance. 
All I need is them to take their money out of my account. 
It's all there waiting for them to take it. 
My payment date since I got this place has always been on the XXXX of each month. 
Since 2020 In my mind they should be removed from V.A. loans. 
Since I had purchased this place. 
3 times other companies have bought the loan and direct pay followed the buy. 
But not them. 
I'm XXXX XXXX XXXX and know every little about internet working. 
This problem started when they took the contract 6 or 7 months ago. Took 3 calls to make payment. Before they told me where to go on internet to start their direct payment. 
They don't even have any respect if you told them I don't have phone service. To get a hold of me by email
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how many more times I can do this without finally concluding the only way to resolve this is through the court system. 

On XX/XX/XXXX, I filed my 5th CFPB complaint against TransUnion case # XXXX, Concerning accounts on my credit report that were the result of Identity Theft. 

I provided a detailed chronological history and documents supporting my claims. I even forwarded my complaint to CEO XXXX XXXX XXXX I showed that I had followed all the requirements to have ID Theft accounts blocked from my report. I was also able to show numerous untruthful statements and violations by TransUnion. 
As a result, TransUnions response on XX/XX/XXXX assured me that all the accounts I had filed as a result of ID Theft, were either previously removed or would be removed. ( see attached CFPB case XXXX ). 

However, after viewing my TransUnion credit report two ( 2 ) XXXX accounts continue to remain ( see attachments XXXX XXXX and XXXX XXXX ). Despite the fact on the following dates I had reported both XXXX accounts as a result of ID Theft and requested TransUnion to block them. ( see attached copies of TransUnion/XXXX   tradelines ) On XXXX, XXXX I filed my first ID Theft claim and request to block numerous account including 2 XXXX account. Results : No response from XXXX and accounts were not blocked On XX/XX/XXXX I filed a 2nd claim with TransUnion and XXXX identifying these XXXX accounts as Identity Theft. Results : No response from XXXX and accounts still not blocked Note : Twice, in XXXX & XXXX, I had sent certified letters, documents & an Affidavit to XXXX advising them of my ID Theft claims and requesting them to investigate and provide me with those results. To this day I have not received a response from XXXX. 

I would like to think this was a simple oversight and hope TransUnion recognizes their previous response along with my previous ID Theft claims. ( See attached ID Theft claims FTC Report Number XXXX from XXXX )
Product: Credit card or prepaid card

I have a  Citi Aadvantage  credit card with  XXXX  active balance transfer accounts.   Offer #  XXXX  with 0 % interest unti l  XX/XX/XXXX a nd Offer #  XXXX  with 1.99 % interest until   XXXX  . I have been paying more than the minimum balance so that Offer #  XXXX  with 0 % interest would be paid in full by   XX/XX/XXXX  ;  however,  Citi  used the amount over the minimum balance and applied it to the 1.99 % balance which expires in    XX/XX/XXXX  .  I called Citi customer service at   XXXX   and spoke with  a man  ager na med  XXXX  who refused to work with me and said they were compliant with CFBP rules. I was not aware this would be the case and it is an unfair and most disadvantageous way to treat any consumer. When I first made the balance transfer, the paperwork stated that the amount would be charged 0 % until     XX/XX/XXXX  an d thereafter the balance would be subject to the regular 16.75 %.  Tye  are forcing me to pay the higher 16.75 % on a balance of over {$4000.00} which I have already sent them payment for but they applied to a newer balance.     Does n't this practice go against the CARD act? Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received copy of my credit reports ( XXXX and XXXX ) and IC Systems is listed in collection section on these reports and I have no contract with this collection agency. I have never spoken to them in person or by phone, I have never received a letter or electronic communication. This is a debt that I am not liable for and this entry from IC Systems on my credit reports is damaging my credit as a consumer. I understand there are laws to protect consumers in situation like this and that I have a right to request a full investigation for authorization and verification as to why this company is listed on my credit reports.
Product: Credit reporting

I have this account on my credit report which I have no knowledge of. I was in military XXXX the whole time. Please help me dispute it. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX XXXX XXXXXXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXX - {$940.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I was looking for job online and applied for a job after doing the interview and getting the job they sent me a check to deposit in my account and told me to deposit it and order the work materials as I deposited the check instead of telling me to buy stuff from online store or something they told me to XXXX  it to someone and told me that this is the vendor, after that i felt like its a sketchy thing to do and i refused to take the job and then i told them immediately that how do i send your money back and I dont want to take this job and they started threatening me that i am trying to steal their company fund even though i asked them to send it back and i asked them where should i send you a check but they told me they dont trust me and told me to transfer it through XXXX again at that point i got email from thier hr team and told me that they will take actions and file a report and i said i will send your money back as soon the XXXX transfer was completed by me, couple hours later i got notification on my bank account and saw they check they had sent me was disputed and bank had overdrafted my account and took the money from my account so then i realized that they were fraud and they took my money. 


Attached is the id that recruiter sent me And the transaction picture
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 instruction.
Product: Debt collection

Recently I looked at my credit reports and discovered collections from LVNV Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Midland credit management . These accounts are not mine, yet are reported on my credit reports as charge offs and collections. I've contacted all these companies and ask for debt validation, informing them that I don't have accounts with them, and never had, I received no validations, yet the items have not been removed from my credit reports!!!