23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got a XXXX XXXX  account to utilize the bonuses they had going on. I was able to receive the bonus and even recommend to friends to start banking. I had my sign-on bonus points and points from purchases made on the account. But before Making use of my points or the {$300.00} annual credit for bookings made on the Capital One portal, my account was closed with no notice ( my communication is set paperless ). In the first week of XXXX XXXX, I contacted for a different issue in regards to my two-factor authentication and was told to submit ID, Billing, and verification documentation- which I provided and was approved while I was on the phone. Next thing I know 10 days or so later My credit score drops XXXX points and they have closed my account- my points, my credit score, and my {$300.00} credit are all gone. I have been in contact with customer service/managers the whole month of decmeber trying to resolve this. My authorized users also no longer have access. Customer service continues to promise an update and reopening of the account, but I still have yet to hear back. I was charged an annual fee, but have yet to use any of my points, XXXX credit..etc. I was also told I was unable to get a refund on my annual fee. A truly frustrating experience for a premium credit card. I have notified customer service that I was recording and have obtained a recording of some of the calls, which can provide if needed fo further information and evidence.
Product: Debt collection

When I called Columbia Collection Services, I asked to be transferred to their legal department to discuss the lawsuit they had served on me. They transferred me to XXXX XXXX. Later, while speaking to him, I asked him to transfer me to the legal department and he said, " I 'm it. '' I checked the Oregon State Bar 's member directory - no one of that name is licensed in Oregon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX and Trans Union. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XX/XX/XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.
Product: Mortgage

Good Morning, There has been an active ACH sweep that withdraws monthly mortgage payments from my bank account. However, I paid off my mortgage back on XX/XX/2020 to Lyons Mortgage Services Inc using their platform in their website. I see the payment posted in my account with a zero balance due. 

I've been calling several times to ask them why I am still getting delinquent Notice and threatening notes about a supposed late payment. In their records they claim I still need to pay additional {$100.00} closing fee to close loan fully. Although there is a way to pay over the phone, Lyons M.S states insists loan closing will be valid only if I mail payment with a cashier check once a receive a letter from them with a stub for payment. It's been 3 weeks since they promised they'd send the stub but nothing has been received in the mail only delinquency notices. 

My credit is been reported and I have been affected by this before the credit bureau. 

Please help. 

XXXX
Product: Checking or savings account

My chase checking account was closed at the end of XXXX this year and I have had many calls with customer service. During this time I received a refund for my saving account, but never received a refund for my checking account. I was told by customer service that this refund has been under review. I remember having about {$1900.00} in my checking account, which was a lot of money for me. Because I was a student with no income.
Product: Debt collection

I was contacted by Credit card debt attorney Hayt, Hayt and Landau about a credit card debt from XXXX  XXXX XXXX. I have written to them twice and asked for proof that they are legally responsible to collect by providing me with valid assignment from original creditor and affadavit or testimony from original creditor attesting that the bill of sale is true and accurate. To date I have received not a single written response from them. They filed a lawsuit in my county against me but I have yet to be served. I know this because I was contacted through a advertisement by a attorney that provided me the information and offered to represent me in filing bankruptcy. I asked how he knew that I was being sued when I did not know. He said that he was a bankruptcy attorney and that he checks public records. The lawsuit was filed in XX/XX/2018. My letters were sent in XX/XX/2018. 
I offered to make a settlement If they could provide me the proof that they are legally responsible to collect. Still I heard nothing back from them. I am XXXX and living solely on social security payments. I have no savings. What are my options when they will not respond to me. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent dispute letters letting Transunion Know these are not my inquires on my account on XX/XX/2021 2021
Product: Mortgage

Selene Finance is not giving me my original promissory note signed XXXX XXXX, when requested in XXXX way over XXXX days recommended per request. I also been calling and requesting a XXXX number because my mortgage is a security agreement and i need the number to file a XXXX and XXXX XXXX, along with a XXXX form.
Product: Credit reporting or other personal consumer reports

2023 I'm a member of Credit Karma I was told I had an excellent chance to be approved for XXXX credit cards and my credit was ran, I received a bad hit due to the credit being ran and I was denied the credit cards. I would have never applied if I thought I wanst going to be approved. I was mislead to belive I would reciece a credit card for both companies instead I received bad hits on my credit. I do see there is a lawsuit regarding this exact situation and I would like to know if I would be able to be part of this suit. Thank you for your time.
Product: Debt collection

COMENITY BANK/VCTRSSEC # XXXX I have filed an ID theft report over this account, please see the attached documents.
Product: Credit reporting or other personal consumer reports

Under the provisions of 15 USC 16c-2, I noticed incorrect details on my credit report, which is harming my credit. The inquiries listed were not authorized by me.
Product: Debt collection

I have no business contract or any other type of dealing with this company. I am contacting the FTC concerning their unfair practices.I am also contacting my lawyer concerning them damaging my credit report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following accounts. 
XXXX ( XXXX XXXX XXXX  ), {$1700.00} XXXX XXXX XXXX, {$1400.00} XXXX XXXX, {$810.00} XXXX XXXX XXXX, {$2000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the reporting of XXXX late payments of my ( XXXX XXXX XXXX XXXX XXXX XXXX ) on my consumer credit report by Experian. Upon reviewing my credit history, I have identified inaccuracies in the reporting of late payments, and I believe this may be in violation of the Fair Credit Reporting Act ( FCRA ). I have previously disputed this information with the credit reporting agency on XX/XX/2023 without satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written letters to TransUnion about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, TransUnion and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$830.00} XXXX. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$420.00} XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 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 XXXX 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: Debt collection

Why is n't Diversified Consultant providing me with the information I am requesting? I am being sent instructions to fill out fraud statements but that is not my concern. If this is really my account, I need to see the supporting documentation that proves this is a debt I truly owe. I filed a dispute on  XXXX / XXXX /  XXXX   and I got the same exact answer I have been getting for months : " Fill out the attached fraud packet and mail it back to us. '' Neither I nor the CFPB have been provided with the information to support this is a valid debt. I specifically requested that validation of the debt be uploaded to this portal so the CFPB can conduct a closer investigation but once again, they are claiming to have " mailed '' it to my address. I have not receive a single document from this company and they continue to report this to my credit without being able to prove it is a valid debt. Not only that, in their letter they address me as " him ''. I am not a man, I am a woman and this is just another example of the scam this company is trying to play on me.
Product: Debt collection

The XXXX XXXX XXXX XXXX does not have a record of our original contract and is trying to collect {$5400.00} on a membership which we quit back in XXXX XXXX XXXX 

The issues are that the card that was being automatically charged had been closed due to fraud, and also the home phone line was discontinued as we were no longer using the hard-wired telephone and transitioning to an all mobile phone plan. XXXX claims that they left messages, which can not be done to a phone line that has been discontinued, and also that they sent emails, which they are not able to provide us with proof of said emails. And there were no hard copy statements mailed to our home, less than XXXX mile away from the XXXX location. 

Additionally, I personally visited with staff to discuss the issue because my ex-wife had claimed that they were rude to her on the telephone to offer a resolution just to remove this scar on our credit report, offering an amount of {$2000.00} to make the problem go away, and this was refused. At this meeting, the person in charge of memberships stated to me that there was a lapse in accounting methods at the club because of a transition to a new accounting software. Also at this meeting, this same person looked into whether any of my family 's membership fobs had registered at the front desk after XX/XX/2016 and could not find any member log ins into their system. I was offering the {$2000.00} as a good faith gesture but am now incensed and will fight the collection claim as I see it as bad business practices, extortion, and an attempt to defame our credit. 

You will note on the member profile billing office pages that they have the incorrect email address " XXXX '' identified, perhaps this was the issue why no emails were received as the proper email address is " XXXX ''. The email was misspelled and perhaps this happened in the migration to the new software. 

I believe that if there was an inquiry audit into the bookkeeping and collection practices at XXXX XXXX XXXX XXXX, that there would be ample evidence of bullying, poor record keeping, horrible or non-existent customer relations and communications, bad business practices, and defamation of credit to their past members who have left the club. 

The attached paperwork sent to us, along with the amount due, does not display one communication letting us know that our debit card was not successfully paying the amount ( after the fraud occurred and we were issued a new card ), there are not hard copy letters of communication about an amount due with our home address on them, and there are no copies of any emails sent to us. And, they do not have our original contract on hand. 

Sincerely, Unsatisfied Customer
Product: Checking or savings account

I called discover about my direct deposit that was scheduled and post dated for XX/XX/XXXX released XX/XX/XXXX and the deposit was set for XX/XX/XXXX in the amount of XXXX and XXXX. I called Wednesday and they said my deposits in those amounts are pending to be posted the next day Thursday I called all of sudden my account was frozen with out my knowledge and never got a call from Discover said they rejected payments and it was sent back to nys dept of labor and they said they did not receive anything no rejection nothing. The bank cxl my direct deposit and now they dont know where my deposit its been over a week with no answers on my accounts that were set up via auto pay got hit with fees all of this drama.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of 2018 of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the Following account. 
Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt
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 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 XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}
Product: Credit card or prepaid card

I purchased a set of tires online from Goodyear using their brand of credit card in XXXX. Because of covid I dropped off the car at the tire shop designated by Goodyear, XXXX XXXX. The charge was for four tires and included installation. Shortly thereafter I was travelling on a very crowded 2-lane road and could not control the car due to swerving, which was very dangerous. I pulled in to the nearest auto tire and brake shop ; XXXX XXXX, as it was too dangerous to try to return to XXXX XXXX. XXXX diagnosed the problem after extensive testing as over-pressurized tires, 40 psi rather than 30 psi, when XXXX XXXX installed the tires. XXXX charged {$170.00}, which was put on dispute with Goodyear. I am a XXXX old woman and would have no understanding of tire pressures or anything automotive. Goodyear was apprised of all this but says I should contact XXXX XXXX to resolve the dispute. However credit card disputes are not to be resolved in that manner, if XXXX XXXX provided faulty service the card issuer is to resolve the problem.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Investigate Disputed Accounts and Improper Verification by Credit Reporting Agencies and XXXX XXXX I am filing this complaint against XXXX, Equifax, XXXX, and SELF Financial for their failure to properly investigate and verify disputed accounts on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these accounts remain on my credit report without any substantive proof of investigation, causing significant harm to my credit score and financial standing. 

Details of the Disputed Accounts : XXXX XXXX XXXX Account Numbers : XXXX : XXXX Experian : XXXX Equifax : XXXX XXXX XXXX Account Number XXXX XXXX ( reported to all three credit bureaus ) Additional XXXX XXXX XXXX Account Account Numbers : XXXX : XXXX XXXX : XXXX Equifax : XXXX Background and Disputes : I have been disputing these accounts since XX/XX/year>, challenging their accuracy and the manner in which they were added to my credit reports. Despite my efforts, the credit bureaus have repeatedly responded with vague claims that the accounts are verified without providing any evidence or details about the verification process.

One of the accounts ( XXXX XXXX XXXX ) was opened without my consent. ( Account Numbers : XXXX : XXXX, XXXX : XXXX, Equifax : XXXX ) This account was added to my credit report while two other delinquent accounts from XXXX  were already being reported. I did not authorize the opening of this account, yet it has since been reported as delinquent. 
I have raised concerns about multiple discrepancies within the reports of these accounts, yet the credit bureaus have failed to conduct a thorough investigation or address these inconsistencies.

FCRA Violations : Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) The credit bureaus failed to conduct a proper investigation into my disputes, merely stating the accounts were verified without providing any supporting documentation or evidence.

Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) I requested detailed information about how these accounts were verified, but no substantive response was provided, violating my right to obtain verification information.

Reporting Inaccurate and Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) The credit bureaus and XXXX XXXX continue to report inaccurate and unverifiable accounts, which should have been removed from my credit reports. The inclusion of these accounts, especially the unauthorized one, has significantly damaged my credit score and report, causing financial and emotional distress. The lack of transparency and failure to properly investigate my disputes further exacerbates the harm caused.
Product: Credit reporting or other personal consumer reports

Please delete the followings accounts as they are violating my consumer rights. Reporting false information. My consumer report should be 100 % accurate. However, both of the following accounts are reporting different things across all Bureaus. XXXXXXXX XXXX XXXX ; Account XXXX and XXXX XXXX ; Account XXXX. I will upload proof of all false reporting. Thank you for your time in this matter.