23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/year> Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Product: Checking or savings account

I deposited $ XXXX USD in a new checking account with Citi on XX/XX/21 to take advantage of a new member signing bonus. On XX/XX/21 I initiated a wire transfer of $ XXXX USD to another account that I also own at XXXX. They refused to process the wire transfer and have had my funds locked ever since. They claim that there is an internal review that is blocking my funds from being transferred, but 3 weeks later nothing has changed. They keep saying that someone will call me, but no one ever does. They refuse to close my account or allow me to access my funds until this " review '' is complete. They are nebulous as to what group at Citi is in charge of this review, calling it " the internal department '' and " the special department for you and your account '', and they always say that they are unable to allow me to speak to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep listing an old XXXX  XXXX credit card bill thats 12 or almost 13 years old opened in XXXX. XXXX  XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX  XXXX and couldnt pay it. Now XXXX XXXX is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least 10 years past due. I cant see when this is going to come off?? 20 years? Pleas help XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX # 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 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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On my Equifax credit report there is an old XXXX XXXX credit card account ending in XXXX. I only have XXXX XXXX  XXXX credit card account ending in XXXX. This XXXX account was a replacement for the XXXX, therefore the account ending in XXXX is irrelevant and needs to be deleted.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, necessitates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit card or prepaid card

The late payments reported  by Key Bank to the credit bureau stemmed from a transfer request. Requests for transfers from our Key Bank checking account were previously made with success, however, as we were advised later, the women taking the request did not hit the submit button. The payment was accordin gly never transferred from our checking account into the line of credit account. On or about  XXXX , my complaints were escalated to collections and  then to Loan Modifica tions and spoke with  XXXX .  XXXX  explained  a 90 program wherein I would mak  e three m onthly payments on or before the  XXXX  of each month until caught up. I stated I would accept on the condition that complying with his payment schedule would not resul t in Keys consi  deri ng them as late payments. He stated they would not effect my credit. Due to his Spanish accent, I confirmed again that there would be no late payment reporting if I complied with his schedule. Again he stated, They would not. I confirmed my address with him and we ended conversation.     After the first payment was made, I had not received the written confirmation or the rules that I was expecting. When I contacted Key via email and over the phone, it became evident that they would not confirm the agreement in writing. Accordingly, I paid the second payment on time along with the third and last payment in advance. Numerous inquiries were made however I was constantly being put on hold ( for up to  23 minutes ), referred to other dep artments, disconnected while being on hold and avoiding any discussion of accountability on their part. On  XXXX  and finally on  XXXX , Supervisor  XXXX   ( Code   XXXX ,  XXXX , Oh io ) st ated that  XXXX  was the early stage contact for loan modification. When reading my notes of the agreement and quoting  XXXX , she simply concluded that he was in Keys  XXXX  office and that they did not accept outside correspondence.     As a self-employed individual trying to protect my credit, if this were litigated against  Key for the time expended on this, the visit to the Branch regar ding the failed transfer and the ensuing drag-it-out and run-em-down process, it would cost them more than the loan amount.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX Late payments incorrectly reported between XX/XX/XXXX, XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns Regarding Zelle 's handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and inquiries appearing on my credit report. 
1. XXXX XXXX XXXX {$3500.00} 2. XXXX XXXX {$1300.00} Inquiries 1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXXr XX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XX/XX/2022 6. XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022
Product: Student loan

I had previously opened a complaint about this with Complaint ID : XXXX, however it has still never been fully resolved. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. I have submitted paperwork for the time I was employed from XXXX, all of which are eligible for PSLF. However, FedLoans is not counting all of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Per Fedloans, they are note accepting any of my payments from XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX, due to their interpretation of the payments being " not timely. '' Per their response, a payment must be received no earlier than 30 days prior to the due date and no later than 15 days after the due date in order to qualify for the PSLF program. However, during this time, the payment due was {$0.00}. Therefore, I should receive credit for these months of payment. 

I would like to obtain a month by month account of what was due and what was paid, in order to understand fully how FedLoans is  calculating my payments counting towards PSLF. 

Any and all help would be greatly appreciated. 

Thank you.
Product: Debt collection

This is my son 's account. Notified the original creditor, XXXX XXXX , XXXX account # XXXX in the amount of {$180.00}, that my son is incarcerated and would be there for an extended period of time. This debt, in turn, was passed on to another creditor, by the name of XXXX XXXX XXXX XXXX reference # XXXX. They were given the exact same information that the original creditor was given. Then, the current creditor, Dynamic Recovery Solutions , LLC, or DRS for short, address : XXXX XXXX XXXX. XXXX, SC XXXX reference # XXXX has just mailed me a collection letter dated XX/XX/2020 expecting payment in the amount of {$180.00}. I have not called the current collector as of yet since I just received this particular communication this morning. The facts are as follows : I am not a co-signer on this bill. This bill is in the name of my son, Mr. XXXX XXXX ONLY, and I had and have absolutely NOTHING to do with this at all! You have the names of three ( 3 ) creditors now, but this has been going on off-and-on for at least five ( 5 ) years, and I want it to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to ask experian for help with the matters of my identity they have been the rudest people to deal with over the phone I have sent in all the required documents and still the items remain on my report they are not upholding what the cfpb and XXXX are asking please help me resolve this problem with experian
Product: Debt collection

Midland Credit Management , Inc had me served with a civil summons in regard to 2 credit card debts. One of the credit cards ( through XXXX XXXX XXXX  ) was previously owned by XXXX XXXX at least 6 months prior to MCM acquiring the " debt ''. This debt was settled and paid on my behalf through XXXX XXXX XXXX with my debt consolidation program. XXXX XXXX XXXX through XXXX XXXX  settled this debt for the XXXX XXXX XXXX  credit card, yet Midland Credit Management , Inc is continuing to aggressively pursue collection for an account that has already been settled.
Product: Debt collection

They're saying that this is my debt that I owe them I didn't have a capital one card at that time I had just gotten a capital one credit card and intend to use it it's in the right name and address
Product: Credit reporting or other personal consumer reports

I looked on my credit report and see someone attempted to open or apply for 2 credit cards under my HARD INQUIRY that i did not apply for. As well as someone attempting to sign into my account twice today.
Product: Virtual currency

I opened an online account with Coinbase to purchase some XXXX. The purchase was made and the transaction completed, and the XXXX was shown in the balance. However, recent attempts to access this account have been blocked. The company has instituted some sort of extra verification code requirement in order to login, and I do not own a device capable of receiving this type of text message. They apparently ASSUMED that my internet-based phone number was for a cell phone, but refuse to either help me or even communicate with me in any way, despite completing their online request form ( twice ) as well as expressing my frustration with them on XXXX different XXXX tags. Zero response.
Product: Credit card or prepaid card

This complaint is related to my other complaint. I applied for a Bank of America zero interest credit card on balance transfers in XXXX in preparation to my XXXX XXXX  balance switching to high interest on XX/XX/XXXX. I was confirmed my card was accepted on XX/XX/28 and that XXXX would be transferred to pay down the account. I made a minimum payment to XXXX to cover any delay time. However, by XX/XX/XXXX the funds had not been transferred and I was charged XXXX. I called Bank of America and they told me a paper check would be sent to me first by snail mail and THEN I would need to mail it to XXXX by snail mail-a very long process. They said that because I applied online and filled in the XXXX Account transfer online, it made a difference in payment method. ( versus in person or by phone ) There are no BA in my rural area and since Ive done transfers electronically before for expedient payment I assume they would send electronically. They told me XXXX doesnt accept electronic  transfers and to tear up the check WHEN it arrived and they would send another. This was now XX/XX/XXXX. I transferred XXXX from XXXX once again to cover increased interest. It was posted right away on XX/XX/XXXX. When second check arrived at XXXX it was returned as funds not available to which I got a delayed letter explaining. I called both BA and XXXX during this time. XXXX gave me yet another address to overnight yet a THIRD check and BA assured me it would be overnighted. But as of today XX/XX/XXXX no payments have posted anywhere and Im out additional XXXX in interest which defeats the entire purpose. WHO OWNS this problem? BA? XXXX? How could I have known or expected this convoluted process when I make electronic payments all the time through BA and to XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have enclosed a copy of my credit report highlighting the unauthorized inquiries for your reference.

I understand that unauthorized inquiries can occur due to identity theft or errors in reporting. However, it is crucial to promptly address and remove these inquiries to ensure the accuracy and integrity of my credit report.

I request the following actions be taken : Immediate Removal of Unauthorized Inquiries : Conduct a thorough investigation into the unauthorized inquiries listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent unauthorized access to my credit information in the future.

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the unauthorized inquiries.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this dispute. I expect a timely response in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, Citibank closed five of my credit cards accounts which the total credit line is {$50000.00}. This hurted my credit score. And I have many points in the account which I couldn't redeem when they shut down my accounts suddenly. 

The bank said they closed it due to security reason. I have wrote couple emails and mailed out letters to Citibank to explain my situation but I have not heard back from them. 

I don't believe it is fair to close all my cards in this case.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting Commercial Acceptance Company incorrectly. This collection account is reporting this account incorrectly. The collection account is reporting not only is open, but all also shows a past due balance of {$3300.00}. According to the FCRA, I have the right to have an accurate credit report please provide me a copy of my new credit report reflecting this amount removed upon completion.
Product: Student loan

My federal loans were forgiven for the XXXX XXXX and I filed a school misconduct loan for the private loans held by Navient and they just denied me. They didnt even give me a clear reason why but either way they should not have denied me because that school was fraudulent. If my federal loans have been forgiven why shouldnt the private ones be forgiven too? Its not fair that I have to continue paying for a school that was fraudulent and that was successfully sued by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS INFORMATION TO CORELOGICS OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.
Product: Credit reporting

This company has filled to delete fraudulent information off of my credit report. Fair Credit Reporting Act, which details your responsibility to block and DELETE fraudulent information on my credit report resulting from identity theft. i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made
Product: Payday loan, title loan, or personal loan

I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.