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

When signing up for electronic statements on my XXXX XXXX card with Barclays I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of " XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that Barclays reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although Barclays waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that Barclays is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that Barclays would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX, XXXX and Equifax multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.
Product: Checking or savings account

On XX/XX/2022 I notified my bank that a check I mailed to a business had been changed and that the entire check had been rewritten. I don't know if it was stolen from the mailbox or if someone at the company did this. 

I drove to the bank, they pulled the check since it was actually physically in their branch and stated the check had been clearly washed. Watermarks were visible on the check the the check 's original background was missing from the check. I showed them my carbon copy of the check in my check book to show how the check was originally written. They informed me that people do this to themselves all the time, but they didn't think I had done it. They also stated that if I had found the issue in 24 hours instead of 36 hours they would have returned my money immediately. Today, XX/XX/XXXX, they are telling me that they still have 10 days to review the claim instead of returning my money to me and that the day I reported the issue and holidays don't count against their days. 

The police have been to the bank, issued a subpoena and the bank is still refusing to return my money. 

It's a lot of money for me, {$7600.00}. Under the law they have 1 day to return the money once they have identified that they made a mistake but are unwilling to return my money.
Product: Debt collection

I had paid my debt in full with the National Credit Adjusters collection agency in XXXX of 2020. I have called multiple times and spoke with XXXX to have this debt removed from my credit report because it was paid. It is showing as a collection on my report and has been paid for almost a year and the company is not responding or willing to remove this paid debt off of my credit report
Product: Mortgage

We closed on the sale of our home on XX/XX/XXXX. We are owed an escrow refund in excess of $ XXXX and when I called I was told it was issued to our new address ( verified 3 times ). After 3 weeks of no check, I contacted them to request another form of payment, and verification it wasn't deposited, required on their side, I understand. I called again to have someone update me when it would be reissued. Today they said the escrow balance is still in our account and it would take another 15 days to request a re-issued check. I've received several pieces of correspondence from the bank that the loan has been paid in full and it's been satisfactorily recorded/lien released. 

I also married and changed my name after I had my account for a year. I received correspondence in both my new name and former name for 3 years and after several calls was told the data couldn't be reconciled in their internal IT infrastructure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud to the ftc on XX/XX/2023 on accounts XXXX XXXX XXXX XXXX XXXX And inquires XXXX XXXX bank Now XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from XXXX global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through XXXX global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to XXXX XXXX. 

I still receive letters from XXXX XXXX even though there is no debt on my account. XXXX sent an email to XXXX global to have it removed and I am still receiving letters from XXXX global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to XXXX. 

This is complete fraud that I should pay both XXXX XXXX the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims to offer an online dispute tool that hasnt functioned properly between XXXX and XXXX of 2022. I have used multiple file extensions from PDF to JPEG to PNG and nothing will upload in this tool even though on my end it sometimes says it has. After multiple disputes and multiple calls I came to find out nothing has even uploaded or been submitted at a supporting document for my disputes. Additionally one of the disputes has taken well over 30 days to complete and is still showing as being investigated. I have received no help from Equifax. Additionally they are now asking to have government IDs and proof of address mailed to them as proof of who I am in a dispute when they have had me verify who I am a number of different ways and claim to be mailing me information to the correct address. It doesnt seem they are able to carry out the functions of a credit reporting organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my Experian and XXXX reports, on or about XX/XX/XXXX - there was a credit card listed as XXXXXXXX XXXX, then it was sold to XXXX XXXX, both of whom I never heard of. XX/XX/XXXX - I submitted a police report to both bureaus when I found this information in my credit files. The information stayed on the report, regardless of countless phone calls to both merchants. I, then filed another dispute XX/XX/XXXX to all three credit bureaus and then I sent a letter to XXXX XXXX as well. This account was written off as a profit and loss account. This is not acceptable, nor is there any truth to me having such an account. 

In XXXX, I contacted XXXXXXXX XXXX, and they stated they didn't have an account with me, nor did they know who I was. I sent this information to the credit bureaus again ; however it has not been removed and it is hurting my credit score and history. I have impeccable credit - no lates, yet this {$120.00} continues to be a hassle on my credit report. The Report Number is XXXX and I am demanding they remove this item, effective immediately and they not ever post the lies and defamation to my account. 

Thanks in advance, XXXX XXXX!
Product: Debt collection

Unlicensed Debt Collection in Georgia Dear CFPB, I am writing to formally dispute the debt associated with my name, which is being pursued by XXXX XXXX and Portfolio Recovery Associates XXXX I am a resident and citizen of Georgia, and under the Georgia Industrial Loan Act, all debt collectors or debt buyers must be licensed by the Georgia XXXX XXXX XXXX XXXX XXXXXXXX to legally engage in debt collection activities within the state. 

It has come to my attention that XXXX XXXX and Portfolio Recovery Associates are not licensed to operate in Georgia, which I believe constitutes a violation of state law. I request that you investigate this matter and ensure compliance with the relevant regulations. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many dispute letters to XXXX and XXXX in regards to the Discover Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My coinbase account got hack and it took me XXXX and XXXX to get ahold of coinbase. It was so hard to figure how to lock my account. I lost {$18000.00} it was transfer to XXXX XXXX XXXX some where on the west coast. The last digit of the account is XXXX.
Product: Money transfer, virtual currency, or money service

PNC bank in XXXX New Jersey in the year 2013 claimed that I took money out of my minor children 's accounts of nearly amounts of XXXX XXXX XXXX XXXX XXXX XXXX which caused me to get a judgment where I had no knowledge of those accounts and they were not supposed to be enter into XXXX with my account I had a bond on those account with my trust attorney I would never kept in the loop I hate the me get my due diligence I with never this close to meet all of the out of the acts of going on and it was intentionally set up that I that money become XXXX and I want an investigation subpoenas that have might thing court even though statue the limitations the as 'd be exe exe a different circumstances here I with ill and thick in-and-out of hospitals and I deserve my right in court
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. ( This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing 6 late payments in XXXX and one late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report XXXX, XXXX, and Equifax and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

XXXX  account XXXX XXXX is inaccurate in all credit bureaus equifax, XXXX and XXXX  I was on a deferred loan because I was attending XXXX at the time. There shouldnt be no payments. In XXXX shows one late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX XXXX XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15U.S.C 1681 section 602A States I have the right to privacy.

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.
Product: Credit reporting

I moved to US in XXXX XXXX. In XXXX, I started receiving many adverse actions from banks/potential landlords due to my Experian Credit Bureau Report. When I contacted Experian to get the bureau report, I was never provided it and was never given a resolution to the problem. Till now, I continue to get declines. As I learn from the people reviewing the reports, I have delinquent trades from XXXX in my bureau reports, when I was not even in US!! Someone can contact XXXX to verify that information. Not being able to rent a house is the most difficult thing. Where am I supposed to live!
Product: Student loan

Consolidated all qualifying loans with Fed Loan on XX/XX/XXXX. Started working for eligible PSLF program starting XX/XX/XXXX through XX/XX/XXXX. However, Fed Loan states that XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' and XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' therefore are not counting these two months as a part of the 120 months for payment which doesn't make any sense as I was working for a qualified employer since XX/XX/XXXX. Fed Loan also states that from XX/XX/XXXX - XX/XX/XXXX my employment isn't certified even though I fill out the recertification of employment annually without missing any steps to keep record of the count. I recently filled out the recertification form ( XX/XX/XXXX ) to re-certify the same employment I've been working at since XX/XX/XXXXand was emailed " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' This statement also doesn't make any sense as my final bill shouldn't be until many years down the road. I would like an updated official count on my PSLF loans before my loan is transferred to another servicer. Thank you.
Product: Mortgage

I called freedom mortgage on XXXXto let them know I found a different flood insurance company alot cheaper previously what I was paying. It's was my first time acquiring a different insurance company. I let her know on XX/XX/21 my flood insurance expires. She said we sent a renewal check to the original flood insurance on XX/XX/21, she said she would try to stop payment. On XX/XX/21 my new flood insurance sent the paper work. She did not upload it till XX/XX/21. And my old flood insurance cashed the check she never stopped payment. And freedom mortgage did not upload my renewal for my homeowners either it says expired They have not sent a check to the company 's yet. What the representative put in the notes is not what she told me I asked her should I call my original flood insurance and cancel she said you can if you want or you can let it cancel on XX/XX/21 she denieing she told me that. And on XX/XX/21 I also asked about streaming lining they said someone would get back to me via email or phone call. There's no note once again of me acquiring that. They still have not paid my new flood insurance either.
Product: Debt collection

Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!
Product: Checking or savings account

M & T bank discounted the incorrect transaction on my account and when I notified them about XXXX they filed a diphtheria with the correspondence and denied my dispute and ultimately put my account in the negative. I tried filing the dispute again and they denied the dispute again saying that my only option is to pay back the disputed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet to receive an answer from Experian. Why was the attached INCOMPLETE fraudulent application processed by XXXX XXXX on behalf of XXXX XXXX XXXX XXXX loan when the application clearly states incomplete applications will not be processed? Processing the application led to a fraudulent loan. XXXX XXXX ignores, XXXX XXXX XXXX XXXX requests more of my personal information, and Experian is not thoroughly investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax identified a cybersecurity incident on XXXX XXXX, XXXX. The information about the breach was not publicized via a press release until XXXX XXXX, XXXX. 

This breach contained names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.
Product: Mortgage

I was a wells Fargo mortgage Holder from XXXX to my XXXX closing statement. I had a interest of XXXX my payment was {$4300.00}. a month. I tried three times for a mortgage reduction and never heard from Wells Fargo but was turned down. I never missed a monthly payment and never even was late on a payment in all that time. 
I called Wells Fargo in XXXX of XXXX after finding out about the settlement for fraud, to find out if I was on the reimbursement list of names for customers who were mistreated by their loan practices. I was not on their list. 
In that 11 year period I paid around {$570000.00} in payments not including taxes and insurance. When I finally refinanced after having to sell my first home to pay down my principal, my payment was {$2100.00}. Under Wells Fargo during that time I over paid around {$250000.00} in excess payments. 
HERE IS THE FUNNY PART. 
When I asked about my loan number, I was told that it was still a active loan number but under someone else 's name with a XXXX in front of the loan number. Don't you think that this is kind of strange? I feel that their is some kind of fraud going on here and I was, and still am experiencing some kind of fraud and should be on the list of payback customers. I don't know where to go from here and I don't know if I need a lawyer. I know you don't give legal advice but any input you can give me would be helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off with XXXX XXXX for {$150.00} and one with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over $ XXXX I was only responsible for $ XXXX of the leased amount. I have reached out many times to ask these two companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.
Product: Checking or savings account

I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one. 

We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!! 

We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!! 

XXXX XXXX Good Luck!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.
Product: Credit card or prepaid card

A caller from XXXX routinely calls my cell phone attempting to solicit information related to a credit card service. I have repeatedly attempted to opt out of the calls by selecting the automated option to " opt out '' in addition to confirming that I registered my cell phone for the National Do Not Call Registry on XX/XX/2013. 

Today I received another call from this same company and selected the option to speak to a representative. When the representative answered he stated he was with Visa Credit Card Services. I informed him he was calling my cell phone and that I had previously opted out on several occasions. He responded stating " go XXXX  yourself you XXXX XXXX '' then he hung up. I called the number back and asked for his name and employer id number which he refused to provide and hung up again. 

I have contacted Visa to report this issue and was informed this caller was not affiliated with Visa Credit Card Services. Instead, Visa alleges this is a fraudulent company who has obtained Visa 's customer information and is attempting to use it for fraud activities.