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

Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the XXXX XXXX loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the XXXX XXXX loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the XXXX XXXX credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by XXXX XXXX, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact XXXX  and ask for Trade Line. I'm not clear who made the changes and why would XXXX/XXXX  XXXX would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.
Product: Checking or savings account

I have a money lion account and attempted to sign up for their roarmoney banking account. I was told someone else used my SSN in 2020 to sign up, and because of this, I will never be able to sign up for the RoarMoney account, which essentially traps all my earnings on the app with them. It is either fraud or a scam, and they should fix the situation. I can prove my identity.
Product: Student loan

In XXXX of XXXX I inquired as to why XXXX had not taken my XX/XX/XXXX auto withdraw as scheduled. My account was blank and I had received no email or physical mail indicating my loans had been switched to a different servicer. I figured out my loads were sent to Aidvantage. I called Aidvantage and complained about how no one notified me and that I had a payment post-due. Am I now in default for something I did not cause? Is the XX/XX/XXXX payment still required to put my account into the green? Rep told me " no, because the switch happened while the payment was due, you will not owe that payment ''. I was highly doubtful. So I set up my Aidvantage account. And I was overdue for that payment. And Aidvantage had access to my banking information that I never authorized. I immediately called back. The rep I got the second time informed me that a ) the former rep was mistaken and I need to pay the overdue amount immediately. And B ) that I shouldn't worry that Aidvantage had my banking information without my consent because they got it from XXXX. I paid my overdue balance that day, XXXX. In XXXX when I began loan repayment, my accrued interest was added to my principal. Meaning through the covid measure in place. I no longer had accrued interest and my current interest rate is 0. However, my XXXX payment, XX/XX/XXXX payment, and XX/XX/XXXX payments all have {$340.00} of {$500.00} applied to interest. The remaining {$160.00} is all that is being applied to my principal. I have tried calling and emailing Aidvantage and can not get resolution, a supervisor will not return my calls. They are telling me I have accrued interest, but I have documentation from XXXX stating I did not as of XXXX because it was applied to my principal. Also, the Aidvantage website does not have any accrued interest documented on my account, and I have 0 % interest. Aidvantage is committing fraud against student loan borrowers. Furthermore, it had been 3 full months and the student loan has not been reported to credit agencies. At any minute my score will tank which will negatively impact my ability to find a new place to live. It's terrifying.
Product: Debt collection

They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Experian is not complying with Fair Credit Reporting Act 15 USC 1681i ( 7 ). Experian is in violation of 15 US Code 1681e compliance procedures. I the consumer XXXX XXXX has been damaged as a result. Experian has produced a boiler plate response to my request. I have sent several correspondences USPS certified mail to Experian regarding inaccurate reporting on XXXX XXXX credit report. Experian continues to ignore Fair Credit Reporting Act laws. Specifically 15 US Code 1681 ( a ) Accuracy and Fairness of Credit Reporting, 15 US Code 1681 ( b ) Reasonable Procedures. Experian has caused damages to the consumer XXXX XXXX and continues to furnish inaccurate information. Experian has several violations reporting on XXXX XXXX credit report. Experian is Civil liable 15 US Code 1681n for willful noncompliance. As a result I am invoking remedy 15 US Code 1692c and my specified remedy is 15 US Code 1692c PAY THE INVOICE FOR THE VIOLATIONS APPEARING ON XXXX XXXX CREDIT REPORT INADDITION TO PAY FOR DAMAGES CAUSED TO XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX District of Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to Equifax, XXXX, & XXXX two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & Pacer are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX, US Bankruptcy Court, & Pacer. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.
Product: Credit card

I received a robo call from Capital One saying that my account was overdue because I missed a payment on my credit card. I had not used my credit card for over a year so I was confused. When I signed on to the online banking I had received a late fee and found that I had a new annual fee placed on my card that were not part of the original terms. I went through all of my communications and found that I was never notified that I was going to be charged an annual fee. There were also no documents in the online banking showing that an annual fee was going to be charged. I called Capital One and they could not confirm that I had received any communication regarding the change of terms and the new annual fee that I was being charged that also led to a late fee because I had no idea I was being charged the annual fee.
Product: Credit reporting or other personal consumer reports

Re Application # XXXX for Loan from XXXX XXXX XXXX Once again on XX/XX/year> XXXX XXXX XXXX Has apply for a loan from US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX This has created another Credit Check. 

Please inform XXXX XXXX XXXX to stop using my name to apply for loans Please inform US Bank XXXX OH that I am not applying for a loan Please thank XXXX - XXXX XXXX XXXX XXXX PA XXXX XXXX for being vigilant on my credit report XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles handling disputes, practically in light of the recent CFPB lawsuit highlightinh significant issues with the platform.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Capital One was reporting a card # XXXX-XXXX ( the last 4 numbers are XXXX ) owed and past due on my credit report and capital one was able to verify the numbers with me originally and last year they removed the item. 

Two weeks ago XXXX had yet another file error and Capital One is now re-reporting this item on my credit file. I called Capital One and after 1 hour and 40 minutes with 5 different representatives, I was advised by that they would contact me to fix this. I have not received any phones call, emails or mail from them and the item is still on my report. 

This account is in a different social a security or tin number, different name and using an address that I don't use. The social or tin they use is XXXX, where is my social ends with xxx-xx-XXXX, for security I will not reveal my entire real social here. 

This is the information on the original person who handled this and it was removed from my XXXX credit report : Case : XXXX 5 Fax XXXX XXXX, spoke to in 2018 to remove bad entry on XXXX Ext : XXXX Call back XXXX, pin XXXX A copy of the police reports, credit listing and other information are enclosed for the record.
Product: Debt collection

XXXX  XXXX continued to bill me for the residence I was in at The XXXXXXXX XXXX XXXXXXXX after I had canceled my service and moved from the location. I called many times to have XXXX  XXXX remove this charge yet they did not. Then, when I received the collection notice I disputed it with still no avail. Next thing I knew the collections company National Recovery Agency XXXX PA sent it to the credit Bureaus. I have a letter from The XXXX stating when I moved prior to the incurred utility charges in question. Despite all this I paid the collection agency so it would not be sent to the credit bureaus yet it was sent anyway. XXXX  XXXX never sent me a cancel confirmation when I canceled my services and never followed up with any cancellation notices in the multiple times I requested them to do so.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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

American Express is reporting a closed account with derogatory remarks without my authorization. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given said company, written, verbal and non verbal per 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



























































































XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXUNIVERSIT XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ''
Product: Debt collection

Dear Williams and Fudge, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with my name and SSN, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports.

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law.

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt.

2. Remove the debt from all consumer credit reporting agencies where you have reported this information.

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA.

Please confirm your compliance in writing within 30 days of receiving this notice.

Sincerely, XXXX XXXX
Product: Credit card

Background : XXXX XXXX XXXX XXXX by Citi Customer Service emailed and informed me that the XXXX membership must be renewed by XX/XX/2023 or the credit card will be closed. However, if they close my card, it will affect my credit score, so I contacted Customer Service at XXXX to request to switch or convert the card to another Citi credit card to avoid decreasing my credit score. 
Issue : The Customer Service told me that they refused to switch or convert the card to another and forced me to continue XXXX membership to avoid decreasing my credit score. It is a threat to the customer who does not want to keep the membership but the credit card and credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received my second notice from XXXX XXXX  that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, Transunion and XXXX  has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a credit inquiry on my account This is a request to remove the following inquiries that were made without my expressed permission. XXXX XX/XX/2021
Product: Student loan

Received an email XX/XX/2023 that I had a payment due that included a missed payment from XX/XX/2023. I navigated the website that stated I should call the company. I placed a call starting at XXXX XXXX  on XX/XX/2023 and gave up after being on hold for XXXX minutes. I would like to understand why my auto debit did not process and why I am being hit with a missed payment when I was never notified that a payment was missed.
Product: Prepaid card

This is showing in my credit report and I never even applied or used a card for or from this company.
Product: Checking or savings account

Company : BANK OF AMERICA I made the same deposit I have been making since XXXX. A money order for {$300.00} deposited into my checking on XX/XX/XXXX. The bank has not held any of them previously. The only difference is where I made the deposit this time. All previous times it was made in my suburban residential area. This time I was in an area with a higher minority population not thinking this would effect my banking I made my usual deposit in that area. Now there is an extended hold. I have proof of purchase of the postal money order and the bank is saying they will not release the hold. My account has never bounced a check let alone deposited fraud ever in my life let alone the 15 years Ive been with Bank Of America. The judge instructed the defendant to pay her judgement to me using money order or official check to avoid this as my funds are due in a timely manner each month. I would like the file a formal red lining complaint as the only difference in this deposit was the location it was made which has a higher minority demographic than the previous locations where the deposits were made. 
When I called customer service I was told To take the proof of purchase to the banking center when they opened. When I called the banking center they are telling me there is nothing they can do. I keep getting the run around. 
I also plan to file a lawsuit to end this red Lining the banks have historically gotten away with that disproportionately effects people of XXXX.
Product: Credit reporting

Transunion is reporting a collection that another collection company was reporting. I t was removed as the account in question was the result of an accident. This was for the ambulance ride for me to the hospital. Under the state of Florida insurance I had PIP insurance in place for up to {$10000.00} of medical bills ... the company failed to bill it..I can not be reimbursed if I pay ... they must bill the insurance directly..I have explained this to the collection company and they do not care..it is a Florida law that they provider bill the PIP insurance ... I disputed this same information when it was reported by another company..now this company is reporting he same info ... .How do I get them to remove this false/incorrect information? I have disputed this multiple times - each time trying to give more detailed information ..each time they say verified ... how is it verified ... I also never signed anything guaranteeing payment ... this is th e Fire Dept  ambulance service..they should bill properly. Also, ... now Transunion-since disputing this has made it impossible for me to access my credit info online..forcing me to do it by telephone and mail-making it very difficult to get anything accomplished