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

On XX/XX/XXXX, I was denied credit and received a copy of Experian credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to XXXX, XXXX. 
I called XXXX, XXXX. They told me my account was paid in full and they will send me a receipt. I put in a dispute with Experian while I waited for the receipt from XXXX, XXXX. 
On XX/XX/XXXX, Experian said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with Experian and provided a copy of the receipt from XXXX XXXX XXXX showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX Experian sent me my dispute results stating XXXX, XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm XXXX, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.
Product: Checking or savings account

On XX/XX/XXXX I contacted a group online that claimed they would be able to get me back into my hacked XXXX account. The person on the phone told me that in order to unlock my account I would need to verify my XXXX XXXX account because that is supposedly how I was hacked. The person on the phone asked me to send 3 different amounts through XXXX XXXX and to write in the memo section, cancel payment. I sent the first amount of {$480.00} and I checked my account and seen the amount left my account, the person on the phone said the funds will return and had me send a second amount of {$490.00}. At this point USAA fsb called me and asked about the transactions. I asked them to cancel the transactions and they did. The bank said they would do an investigation into the activity. On XX/XX/XXXX USAA reversed the decision claiming that I paid for goods or services and the bank sent my money to the fraudulent XXXX people. My account was overdraft and I had to pay the overdraft. I called USAA and disputed the decision, I was told that my case would be looked into and they would contact me once the decision was looked at again. I have not heard anything back from USAA fsb. No services were provided or goods purchased. I told USAA to stop the transactions.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my name in error conjunction with a collection account. This reporting has been on my credit file since 2014 and has cost me financially due to incorrect information being reported and maintained by XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX XXXX Account Number : 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 XXXXXX/XX/XXXX TransUnion : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

My mortgage was originally with CountryWide and when they went into bankrucpty,, Bank of America took over. They sent me a mortgage payment statement to start paying a mortgage. I went to another bank in XXXX to refinance to a lower rate, because my payments were too high and found out that I could no refine, due to a lien on the property. I went to Boa, met with a mtg VP and he said he was one of the persons who wrote up the new mortgages and I asked how they arrived at a high mtg like that. He told me I needed to file a claim. He said he was calling the claims dept, to no avail. He gave me the phone # for claims and when I called, no one answered and I lost my application fee with the bank I was refinancing with, because boa would not communicate with them. Because of Covid, I was unable to get help. I went to the XXXX XXXX Fl recording dept and they told me I would need to have legal interaction, because it had to go through the court. I contacted the Bar and they referred an attorney who I had to pay to get it done, so that I could refinance. I lost all of that money from XXXX until XXXX, when I could not refinance due to their negligence with getting the previous Countrywide title cleared.
Product: Debt collection

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through XXXX laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Product: Debt collection

Debt is past the statute of limitations, creditor reporting inaccurate information as if the debt is new. Dates are inaccurate account was opened 7 years ago and removed from my credit. Collection agencies can not report old debt as new ; this is a violation of the Fair Debt Collection XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX, NY XXXX
Product: Checking or savings account

I disputed a charge with Ally Bank XX/XX/XXXX and the dispute was closed in the merchant favor XX/XX/XXXX. When I contacted the merchant they said that they never received XXXX because the bank have not contacted them to close the dispute. The bank did not find me nor the merchant XXXX that came out of my bank account and refused to give me information about my account. They refuse to inform XXXX that the dispute is closed. Ally refuse to let me know where the funds are and why XXXX do not have the funds. They refuse to contact XXXX to resolve this issue to clear my account with XXXX. I have many recordings of representatives hanging up on me with a supervisor calling me a XXXX
Product: Student loan

For 6 months I've been calling, emailing, and submitting documentation to ED Financial. I was approved for Borrowers Defense at 100 % due to my schools closing and being on the list for automatic discharge. They are still billing me while my case is pending. I've tried applying for forbearance and discharge until it's resolved..never an acknowledgement of application or a response received. I've submitted documentation of zero balance from my original loan carrier and that was ignored. I've filed multiple complaints with XXXX XXXX XXXX and XXXX XXXX XXXX and that was ignored. I want resolution and what's fair. I should not be receiving bills or showing a past due while my Borrowers Defense is pending. One step away from lawsuit as I haven't been able to resolve within 6 months time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from XXXX XXXX to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.
Product: Mortgage

I have tried to communicate in writing with Nationstar LLC aka Mr. Cooper concerning a mortgage modification. I asked Nationstar LLC to communicate with me in writing, so I can have all communication checked by legal counsel. I have written directly to XXXX XXXX, who supposed to be my loan specialist, but have yet to receive any written communication from him. 

I have received a letter from Nationstar LLC that is can not and will not consider a loan modification, but I keep receiving email messages from the company requesting that I call it because it can help me. I wrote to Nationstar LLC asking what I should believe : the letter or its email. 

Nationstar LLC refuses to respond in writing. XXXX XXXX has not corresponded with me.
Product: Credit card or prepaid card

Discover keeps sending me marketing emails even though I've unsubscribed. Their marketing emails don't contain unsubscribe links, which is required by the CAN-SPAM act and enforced by the Federal Trade Commission XXXX They are not responsive, or say that I've been removed from marketing lists, yet this email still gets sent out on a regular basis. They are no respecting consumer privacy to get off a mailing list. They don't allow you to respond to the email. It's unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...
Product: Credit reporting or other personal consumer reports

I am listing XXXX fraudulent inquires from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me ton file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Its been more than 45 days and company has not responded.
Product: Credit reporting or other personal consumer reports

the address thats on the XXXX  XXXX and the address thats on that XXXX is unknown. These should not be on my credit. I was never affiliated with that address. Someone that was associated to those address had to use my information. And created these accounts.
Product: Credit card

I went into an Ashley Furniture Store and purchased a bedroom set and mattress. Signed up for the Store Card who is provided by Synchrony Bank. The representative told me I would done 6 months if I paid XXXX  amount. All was written in paper and she said I had 5 years to pay off the bigger balance. I walked out thinking I would be billed for the amount needed to finish paying off the bedroom set in 6 months. Not quite for the next few months I was paying the min which was not enough to pay off the balance in 6 months. Here comes XXXX and was hit with accrued interest since XXXX and I am on the same boat I was in XXXX. NEVER DID SHE TELL ME I NEEDED TO MANUALLY CALCULATE THE EXTRA that would be needed to ensure I was done with it in 6 months. Its truly a lack of training on their part and an awful experience for me. i hate the brand I hate synchrony and I feel I was tricked into this. I was truly not made clear at all.
Product: Debt collection

I have tried to resolve this several times and to no avail they will not comply. I switched my account to XXXX XXXX XXXX and I paid my final bill and XXXX stated that I was still being charged a service plan because of the device being under contract. I showed them where all devices and final bill had been paid. They then replied that I owed {$400.00} and I sent a payment to them and I called the next week because the debt that I did not owe had been sold. I immediately contacted the company that the bill was sold to and sent them all that information. I have requested that they show that I have or ever had any contractual obligations to do business with them and they have yet to provide said information. I am enlisting your support to get said company to comply with the law and remove this from my credit report because they have failed to verify the debt.
Product: Checking or savings account

A wire transfer was initiated by me via my secure online portal for transfer on XX/XX/XXXX to a title company to purchase a real estate property. There was a XX/XX/XXXX deadline at XXXX for receipt of funds. I intiated the wire transer on XX/XX/XXXX to allow Ally bank ample time to confirm the wire details. The amount was {$750000.00} requested from my savings account. 

Their policy and procedures state that they will call the customer to verify the wire. They did not do this. I called on XX/XX/XXXX. They stated this was under a " fraud alert '' becuase the amount was over {$500000.00}. They do not have any stated restrictions agains the transfer of this amount anywhere on their website. They informed me they were locking my accounts. They summarily locked all withdraws from my checking, savings, brokerage and Short term CD accounts. 

I called on XX/XX/XXXX and spent XXXX hours on the phone seeking a " fraud investigator ''. I was asked XXXX verifciation questions from the public records and correctly answered them. I requested a supervisor. One was not made available. I requested a " fraud investigator ''. One was made available who informed me she would get someone to work on it " next week ''. In the interim, my liquidity and home purchase hung in the balance. They did not send the XX/XX/XXXX wire, but instead kept these funds locked behind their " fraud investigatiion '' team that were not made available to discuss. 

No one from ALLY bank has called me back at any time. On XX/XX/XXXX at the end of business, I received an email that my account had been unlocked. In the interim, I had to borrow from relatives to cover the close. Meanwhile, my funds that I had saved to make this purchase for over 4 years were locked away by ALLY bank without any due process. Furthermore, Ally bank was unresponsive, unprofessional and certainly unable to correct this grevious injustice that was clearly without merit all along.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$1600.00}XX/XX/XXXXXXXX Balance : {$750.00}XX/XX/XXXX XXXX Balance : {$1200.00}XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXXXX/XX/XXXX XXXX Balance : {$400.00} XX/XX/XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX OF XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Dates : XXXX, XXXX
Product: Debt collection

AllState Credit is attempting to collect on a debt that is NOT owed to them. I have repeatedly sent them letters asking them to VALIDATE this alleged debt they say I owe them. They have yet to send anything validating I owe AllState Credit Bureau this alleged debt.They have marked my credit report in a collection status. My credit report shows XXXX dollar amount and account number and the letter they sent in the mail shows a different dollar amount and a different account number. AllState Credit Bureau is reporting inaccuracies across the board. According to my credit report, there is no date of first delinquency, there is not a date of first major delinquency and the balance is not correct I want to have this account PERMANENTLY deleted from ALL XXXX of my credit reports.
Product: Debt collection

They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. 
Calling and harassing me is n't going to make their bank accept my payment any faster.
Product: Credit card

On XX/XX/XXXX I made an electronic payment on their website for a {$700.00} payment. On XX/XX/XXXXI received an email receipt of the {$700.00} payment to the account. They said they did not receive payment. I disputed it and I sent them a copy of my bank statement showing where the money had been deducted from my account and a letter from the bank with all the transmission numbers. PayPal Mastercard said they did not receive any information and they showed it not paid. I filed another dispute and once again I resent all information, along with my bank statement, signed receipt, to there requested location in XXXX. Got a letter back saying no payment receive ; I have continued to dispute this since that date and was told today they could not register my dispute since it had been decided, even after receiving the paperwork, they did not get the payment. The money came out of my account, I got a receipt from PayPal Mastercard, and the bank provided all the transmission numbers. Today they say I still owe them {$700.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit report with the XXXX major credit report companies ( Experian, XXXX and XXXX ) when XXXXXXXX XXXX  Staff information was breached back on XX/XX/2021. 

Now, I did lift the freeze on all three credit report companies because I am applying to lease an apartment here in XXXX XXXX. However, the leasing office of the XXXX rental management companies I applied for are saying they can not check my credit. Hence I could not lease none of my chosen apartments. I live in the great XXXX XXXX area and availability on good locations are short and expensive. 

I was successfully on contacting and speaking with a specialist at XXXX and XXXX. they were able to verify if there was anything else preventing the leasing office of checking my credit. 

However, I have not been successful talking to a human over the phone. Just the automatic service. Which has very limiting options. 

As I don't know if Experian has anything sill blocking a legitimate rental management of checking my credit, I don't know if I am able to rent an apartment.
Product: Credit card or prepaid card

My XXXX XXXX GM card and all GM card customers was purchased by Goldman Sachs, the new card was called a Marcus GM card. Starting mid XX/XX/XXXX  the database transitioning caused my monthly payment I had scheduled XXXX XXXX to fail to post on the XXXX. It took them 2 to 3 months for them to find the missed payment before I was notified and their database was not working. Late fees and interest on my new monthly statements were adding up and hrs on the phone to get a customer service. On XX/XX/XXXX, I called Marcus to request a payoff total, I was informed {$60.00}. I made that payment, on the phone, my balance should have been {$0.00}. Along comes another statement, the payment I made should have been, {$89.00}, more interest and a {$40.00} late fee, their customer service on XX/XX/XXXX, gave me the wrong payoff amount. The statement dates were, XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX, I made another payment of, {$69.00}, I was informed that was the best way to avoid more fees and interest, also to dispute the {$40.00} and the {$0.00} interest. On statement dated, XXXX XXXX XXXX XXXX XXXX XXXX, there is a {$29.00} fee charge.