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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed account inaccurately reported multiple times on my credit report which violates my consumer rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is currently under dispute for inaccurate reporting. While my dispute was marked Reinvestigation in Process, they quietly changed the reported balance to {$260.00} on XX/XX/year>. I never received any notification or explanation from XXXX XXXX XXXX. This appears to be a tacit admission the original balance was wrong. Please see my attached letter and proof of balance change on my credit report and an email alert I received from XXXX, which was how I got notified about the change.
Product: Mortgage

I contacted Newrez several times to get information on how to recast my mortgage as my former house closed and I wanted to apply the proceeds to this mortgage to lower my payments. I was not told that I needed to complete a form or that I needed to have the account for XXXX  days before I could request this initially. I had also asked if there was a fee to do this and was told no. I sent the wire as instructed and called back in for more info ( as instructed ). When I called back in, I was then told of the requirements, the fee, and that I needed to sign a form. I did all of this and complaint was supposed to be submitted to waive the fee and allow the recast as I was almost to the XXXX  day mark. Then silence. I called in to hear that my recast would be complete on XX/XX/21 and that the fee had been paid. That was a surprise since I was told there wasn't one and it would be waived. I called in today only to hear that the reapplication of my payment had been processed, but the monthly amount of my payment had not changed. I was also told - on the recording - that the offices were closed in observance of the holidays.
Product: Debt collection

In XX/XX/XXXX, a credit card appeared on my credit report simply listed JPMCB Card. I reached out to the card company, asked it to be closed, and explained that any charges were fraudulent. From there, I was told to simply make a payment and they would take care of it. I noticed it not on my XXXX XXXX report anymore in XX/XX/XXXX, so I assumed all was well. I started receiving collection calls on this debt in XX/XX/XXXX, which was now almost {$6000.00}. It is currently on my XXXX report as being paid until XX/XX/XXXX, and then charged off in XX/XX/XXXX. I have asked several times for paper copies of the credit card agreement, the credit card statements and what account the payments were made from, but I have not been provided that information. Or maybe it has been sent to the address of the person who opened the card?! I don't know but this is not my debt.
Product: Credit card

I just returned from almost 2 weeks ' travel in XXXX. The practice is now common for handheld POS devices accepting XXXX ( U.S. ) credit cards to offer to charge the card in XXXX dollars or local currency. But the terms state a usurious exchange rate for the consumer who chooses U.S. dollars. Also, the ability to decline the exchange and use local currency is often not clear from the instructions : either the instructions confuse " decline '' the exchange rate with " decline '' the transaction, or they ask for multiple ambiguous verifications before allowing the consumer to decline the exchange rate. That said, the worst problem is this : The merchants often maintain physical hold of the POS device, even out of sight of the consumer, as at a restaurant, and the merchant ( unwittingly ) accepts the usurious exchange rate on the consumer 's behalf, thinking he or she is doing the customer a favor by employing the customer 's home currency. This practice on the part of the banks is abhorrent and allows them to reintroduce hidden foreign transaction fees through the back door. When the merchant consents to the usurious exchange rate, that is not my consent, but I have no ability to combat it. I have receipts from this trip to demonstrate money lost because of non-consensual currency exchanges. But I have no recourse against my own credit card bank, because it is not responsible for the device software. I have no recourse against the credit service provider ( e.g., XXXX ), because I am not in privity with the provider. Only CFPB action can put an end to this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX.
Product: Mortgage

XX/XX/XXXX This is a response to your response to compliant # XXXX To our knowledge the land lease contract ended on XXXX XXXX XXXX ... Replaced by our mortgage agreement with you. 

If your claim that we do not have an FHA Loan why are we paying ( PMI/MIP ) Insurance in varying amounts from XXXX every month to XXXX a month? 
I spoke with a claim representative of yours this morning named XXXX, who claims that identifies the mortgage to be indeed be FHA ... 
If you are claiming that the taxes were paid why do the tax documents show something different> Doc attached If something other than an FHA Loan occurred after XXXX ! st it was done without our knowledge or consent. If you attempt to file foreclosure during th is process ... of discovery which is underway, while documents are collected It will be exposed ... 
You make false claims like when you claimed that I missed 2 years of mortgage payments on my credit report. 
You are charging us XXXX pr mon. for taxes and that equals XXXX on an XXXX a year tax bill,,, which is double..You claim we can not pay our own taxes because it is FHA yet now you are claiming it is not FHA ... In the meantime you could settle this amount on the taxes until the rest is sorted out. The tax document would not scan so I will fax them.. 
XXXX XXXX
Product: Debt collection

I believe the account is invalid. CREDIT COLLECTION SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CREDIT COLL XX/XX/XXXXand CREDIT COLLXX/XX/XXXX
Product: Debt collection

FOR THE LAST XXXX YEARS I HAVE RECEIVED A BILL FROM MERIDIAN FINANCIAL SERVICE A COLLECTION COMPANY WITH A DEMAND FOR PAYMENT IN THE THOUSANDS. I HAD TO PAY THE BILL IN XXXX BEAUSE THEY SENT THE BILL TO THE CREDIT REPORTING AGENCY WHICH LOWER MY CREDIT SCORE. EACH MONTH XXXX DOLLARS WAS ADDED WHEN I DID NOT PAY. 

THIS YEAR THE BILL HAS CHARGES FOR LATE FEES {$930.00}, AND AS OF XX/XX/XXXX I OWE XXXX. HOWEVER, DURING THE YEAR, I HAVE NOT RECEIVED ONE BILL. THE COMPANY IS XXXX XXXX XXXX XXXX. 

SINCE A BILL WAS NOT SENT TO MY ADDRESS. I AM ASSUMING THAT THIS COMPANY IS HOLDING THE BILL SO THAT IT CAN ACCUMULATE LATE FEES AND OTHER CHARGES. I HAVE XXXX BILLS THAT I PAY MONTHLY AND THEY ARE PAID100 % ON TIME. AS IS NORMAL, I GET A STATEMENT EACH MONTH FROM THESE COMPANIES TELLING ME HOW MUCH I OWE AND WHEN IT IS DUE. WHEN I RECEIVED THIS COLLECTION LETTER THIS MONTH, I CONTACTED THE COLLECTION FOR INFORMATION ABOUT WHY I DID NOT RECEIVE A MONTHLY BILL AND I HAVE NOT RECEIVED AN ANSWER FROM THEM. 

SO IF A BILL IS OWED, LEGALLY, A MONTHLY STATEMENT MUST BE SENT OUT TO THE CUSTOMER. I HAVE NEVER IN THE XXXX YEARS RECEIVED A MONTHLY BILL FROM THIS BUSINESS. 

I WANT A DETAILED BILL FROM THE XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX is wrong I should scores already because I don't see nothing on my reports.
Product: Credit reporting or other personal consumer reports

Balance information is incorrect on the credit reporting. XXXX still owns the loan serviced by XXXX. The credit reporting agencies are reporting a balance of over $ XXXX. This is incorrect. The loan has been paid off as per transfer to XXXX and by the XXXX XXXX XXXX. XXXX is {$0.00} and account is closed. XXXX XXXX account information attached. See all three CRAs account data attached. 

Transunion and XXXX are still showing a {$79000.00} balance where XXXX is showing a {$0.00} balance. The date of Closure between all three CRAs is not the same either. 

XXXX continues to hurt my credit report and continues to ensure servicemembers are not cared for in their business practices as identified in the CFPB court case.
Product: Debt collection

On XX/XX/2022 I spoke with a representative from Receivables Performance Management rep offered me a settlement that I accepted. I made the initial payment on that call and she set up the additional payments to automatically draft my account in XXXX and XXXX. The final payment was drafted on XX/XX/XXXX and the company is telling me that the account has been closed and settled in full. The problem is the company sent this account to collections on XX/XX/2022, the same day they drafted the final payment. I contacted the company because according to the letter they sent me agreeing to the settlement states that no collections action would take place as long as the complete payment is made by XX/XX/XXXX, which it was. I have spoke with multiple representatives with the company who transfer me back and forth or disconnect the line. Yea spoke well th a lady named XXXX who said she was a supervisor, but indicates that they can report the account to collections even thought they enters into the agreement and the agreement was being upheld on my end and even though they received full payment prior to date on the settlement letter. I did not agree and she ultimately disconnected the call because I requested to speak with someone over her. I called again to speak with another supervisor who kept me on hold and then blind transferred me to another supervisor who disconnected the call as soon as she gave her greeting. This item should not have been reported as a collection and I am needing this company to honor Their agreement with me and removed the collection from my credit reports.
Product: Credit card or prepaid card

There were unauthorized transactions happening on this card and now capital one closed my account without my authorization!
Product: Debt collection

Hello, I am acting on my own and would like to state the Discover is not abiding by the laws of Arizona regarding credit card debt. Please see attachments including within this complaint.
Product: Checking or savings account

Hello, how you doing after opening a XXXX XXXX and was allowed to log in for about a week. It was restricted me going on the second week. therefore, I was unable to login my new XXXX XXXX  account so I took for the actions and call early warning has being told and they told me on my report I had a Bank of America account disclosure due to fraud that I am unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with Equifax. please delete all invalid data to help correct my credit report.
Product: Checking or savings account

I called Chase on XX/XX/XXXX to have them close my business checking account and move the money to my personal checking account ( {$2100.00} ). The support representative ( and yes I'm certain it was actually Chase ) tried to fulfill the request, but kept putting me on hold. After XXXX minutes of this, it was clear something was wrong. I checked my Chase account on my phone and saw that the money had been transferred out, into another Chase account. Say for example my account number for my business account ended in XXXX. The one the money was sent to was XXXX. Again though, the money was supposed to be LEAVING my business account. It could be a coincidence, but it really seems like the support person confused the account they were supposed to be sending it to based on the last XXXX digits of the account number, which is weirdly, the only thing they're able to see about the account. I spoke to their supervisor, who was also not able to fix it, and had to escalate it up. 


Later that day, I missed a call from Chase while briefly putting down my phone. I called them back, and they basically say they still don't have it fixed yet and need more time. So I went to our local Chase bank the next day to see what they can do to fix this. They make calls on their end to see, and confirmed the issue. They said they didn't have the ability to fix it, but tried to press upon Chase support that this needs to be urgently resolved. 


XXXX more hours pass and I have heard nothing. That day ( now the XXXX ), I go to XXXX with my husband and insist upon them : they've taken ALL of the money out of this account. We need this money to pay bills/avoid late fees and purchase services/goods we use to make money ( this was a business account! ). There will be measurable financial damages if it isn't resolved immediately. I don't care where they accidentally sent our money to, they need to put the amount into my account and resolve their issue on their own time. The bank manager agreed and said he would do everything in his power to get it resolved that day. XXXX hour later, our local Chase gave us a call saying that they'd put a Credit for the missing amount on my account, and we confirmed that they did. All seemed well. 


Flash forward to today ( XX/XX/XXXX ), another week later, and they've now placed a Debit for that amount on my account ( we noticed this today but they did it on the XXXX ), stating that the Credit was erroneous. The money is gone. I don't have anymore time to devote to this. We've spent hours fighting with Chase for our money and we are not financially comfortable enough to not worry about it, and furthermore not confident that Chase will ever resolve this.
Product: Debt collection

First Credit Services tried to claim I owe a debt to them when I already paid that same debt with a different collection agency. I provide them the receipt of me paying that debt and they took that information and they still reported the debt on my XXXX credit report. I contract the original creditor ( XXXX XXXX ) to see who owns the debt and they told me they first credit services are not listed and they are continuing to harass me with calls/emails when they dont own this debt
Product: Debt collection

This company has called me and failed to tell me who they are or what their business is, just demanded my personal information. 
Then they have been calling my family and ex girlfriends and that is how I found out the are a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened an account with XXXX  bank yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right . 
15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..
Product: Payday loan, title loan, or personal loan

On XX/XX/17 I needed to pay for a major repair on my vehicle and had to refinance an existing loan I had with Rise credit to an amount of {$2500.00}. Since that date I have been making regular payments twice a month of {$230.00} and it has all been interest. I have made 21 payments, so over {$4000.00} in interest and my principal balance has not gone down at all. I am at a loss of what to do, because I was in a tight spot but had I known id be living this nightmare I never would have taken out this loan.
Product: Money transfer, virtual currency, or money service

The XXXX fund transfer authorized by me is sent to a wrong account and my bank, Citibank, N.A., is refusing to refund. 

On XX/XX/2019 I made a XXXX authorization to transfer {$200.00} to my niece, XXXX ( XXXX ) XXXX, and the money was never transferred to her. The money was transferred to the person named XXXX XXXX. I am confident that I correctly keyed in my niece 's telephone number and asked Citibank for the record of telephone number I typed in and the account number linked to that telephone number but I have not received it. The only proof Citibank provided is the transaction record showing the transfer made to one XXXX XXXX and the record does not show the transfer is linked to the telephone number I entered. 

The case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has persistently listed incorrect information in the credit report. 
1. They list 6 addresses for me when I have had only 3 residences in the last 20 years. Two of the addresses listed are former office addresses for businesses I owned over 18 years ago. One of the other addresses is inaccurate - a typo of a legitimate address. Several of the addresses are erroneously listed as current and the dates for all are incorrect. This has become a problem because it is at odds with rental history information I provide to potential landlords and credit sources. My residential addresses must be corrected. 

2. In XX/XX/2018 I reported an unrecognized purchase using my bank debit card to my bank. Equifax has placed a seven year fraud alert on my credit report, where none is needed. That bank card was cancelled by the bank immediately. The fraud alert was recently reported to a landlord reporting service as though I was the fraud perpetrator rather than the victim! The fraud alert should be removed.
Product: Debt collection

They call my number, and ask for me. When I ask who is calling they say it is about a personal matter. They do not answer who they are. They proceed to ask me for personal information ( address, date of birth ) while refusing to say who they are or why they are calling me. I told them to send a letter to the address on file and never call me again. They continue to call me. 

When I dial the number back I get a company called Universal Credit Services. To my knowledge I have no outstanding debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent 3 dispute letters to XXXX experian, and XXXX on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, experian, and XXXX to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and there is also an inquiry on my credit report that I never initiated from XXXX  on XX/XX/XXXX that I would like removed.
Product: Debt collection

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/XXXX with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with EXPRESS COLLECTIONS. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! 

Express Collections responded back on XX/XX/XXXX under complaint ID XXXX and stated that they had my signature via docusign that's why it was not presented on the original contract ; However they STILL DID NOT provide the docusign signature which I can compare signatures to my Driver 's License signature. If this information is not sent via mail within 10 business days I will be filing a complaint with FTC, XXXX  and local attorney general 's office along with consulting with an attorney!