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

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on experian it says XXXX and on XXXX and XXXX it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Product: Checking or savings account

Capital one bank received two direct deposits in the amount of total sum XXXX from FEMA as a direct deposit into my checking account. When I inquired about my account I had a hard time ID verifying through the means over the phone and was never given any adequate information about my account I was asked to go verify in person which I did twice with the first time being on the visit was told by an ambassador that everything was fine and then my account I would have access to the next day which I did not. The second time I went to do an ID verification process again I was told that out of the total amount of sum of money that was directly deposited by FEMA in my account was at {$3.00} standing and they did not have any more information for me except an investigation have been concluded and there's nothing more than you tell me and I couldn't even get an ATM card to access the XXXX dollars to my account. So that's I felt robbed a XXXX that I did not have access to then apparently was unauthorized it was never been given a proper access by me too due to all these inconveniences I'm responsible for these funds for they were giving to me by the federal government for my disaster relief wish they did not get to be used due to my non-access capability to my Capital One account and still have no access to this account but I'm told there's no information for me to be told
Product: Vehicle loan or lease

Bank of the West did not honor my dispute under 15 U.S. Code 1666 - Correction of billing error. Creditor took immediate action to close my account during this billing error and section ( b ) states " not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph '' Noncompliance of this U.S. code in section ( e ) forfeits creditors rights to collect from obligor. I am demanding Bank Of West to remove this account from the credit agencies due to this violation of U.S. Code 1666.
Product: Credit card or prepaid card

I had issues with making online payment for a XXXX XXXX XXXX Credit card. They charged me for late payment while later it was discovered that they had issues with their online payment technology. They have accepted their mistake on the phone and sent me a letter. But the letter does not state that they have issues with their payment technology. Also, I applied for a new credit card with Chase but my credit card was rejected by chase and they had sent me a letter stating that they used my XXXX XXXX credit score to base their decision.

I checked my XXXX XXXX credit report online and the issue with late payment of XXXX is still reported in my credit report.
Product: Checking or savings account

I would like to reopen a claim on a previous complaint that was closed with my chime account. Never received my money after they closed the account its now been months!!!!
Product: Checking or savings account

On XX/XX/2021 mortgage was paid in full. On XX/XX/2021 a mortgage payment of {$860.00} was withdrawn from our account causing an overdraft. The bank was called and the mortgage paid in full on XX/XX/2021 was acknowledged. I was directed to discuss the matter on XX/XX/2021 with the mortgage company. They directed me back to the bank as there was no longer a mortgage and they did not do the withdrawal. I called BMO Harris and was then directed to my bank in XXXX XXXX AZ. I asked for the Manager XXXX ....? and was told she was busy and would call back. This was XX/XX/2021. A gentleman called me back. I explained the situation and the now updated account with an additional {$36.00} overdraft charge. He told me this would be taken care of, and within the next 48 hours the Overdraft would be reversed and the {$860.00} would be returned to our account. On XX/XX/2021 nothing had been corrected. I again called BMO Harris in XXXX XXXX and asked for the manager - XXXX ...? I was told she was busy and would get back to me. The same gentleman called and said the correction and overdraft would be corrected in 72 hours. On XX/XX/2021 there are now overdraft charges to the sum of {$56.00}, the payment has not been refunded and the manager is out of the office. 
I want the payment returned and all Overdraft charges reversed. I do not understand where this money would have gone as there is no mortgage account to pay? Is this theft? Fraud? I am not sure. A simple computer mistake because of dates is acceptable. This has gone on far too long to be more than a 'clerical ' error - in my opinion. 
XXXX XXXX
Product: Mortgage

Mortgage company, Lakeview Loan Servicing XX/XX/XXXX payment was sent by XXXX  via Bill pay on XX/XX/XXXX ( for a scheduled payment XX/XX/XXXX ). The payment had not posted by XX/XX/XXXX. I contacted the loan servicing agency who stated they had not received the payment and advised me to stop payment and make the payment via their website. I stopped the payment. I did not have the loan number and therefore contacted Lakeview Loan Servicing, ( which was absolutely cumbersome, difficult to speak to a representative after multiple prompts and extensive waiting times ). After I obtained the loan number, I then made the payment through their website. On XX/XX/XXXX, I received a late payment notification via US Mail. I called the Lakeview Loan Servicing ( which again, required extensive time to reach the appropriate department ), to attempt to resolve the issue, request that I would not have a late payment and not have a derogatory remark on my credit report. I was assured I would not have either. On XX/XX/XXXX, I received notice via email that the payment had posted! Again, I phoned the company to advise them of the payment I made via the website and the stop payment. I was told there would not be an NSF fee. And assured this delay in payment posting would not reoccur. I have since received my monthly statement with a late payment charge and an NSF fee notice. 
Background : previous payments have always been paid via XXXX and always received by the due date. My XXXX payment, paid by the same method, was posted on XX/XX/XXXX. It is my opinion that XXXX XXXX XXXX made the error of not posting the XXXX payment by the due date. 
I have contacted my bank, XXXX, who will be sending Lakeview Loan Servicing a statement of proof showing when the payment was sent.
Product: Credit card

XXXX XXXX XXXX a Westamerica Bank loan officer XXXX after he got me a credit card from Westamerica Bank. Then he insisted that I better fix damages to his home before he gets home from work or he was going to beat me some more. Out of fear I fixed the apartment on credit, but now the doctor says I ca n't work for XXXX months. How am I suppose to pay for this I do n't know what to do.
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint about this, and did not get the response I was seeking, if this account is considered a charge- off since XXXX, it is about to be XXXX and I never received a 1099-C for it. also, I will like the original copy of this debt from XXXX XXXX, i do NOT HAVE A CONTRACT WITH CNAC, they do NOT HAVE THE RIGHT TO COLLECT A CHARGEDOFF DEBT OR REPORT IT. Under the FCRA.
Product: Credit reporting

I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title, deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. XXXX and Experian refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new car through XXXX  ( XXXX XXXX  ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX  having an issue opening my online account access
Product: Debt collection

On XX/XX/XXXX I received a notification that a new collections account in the amount of {$220.00} had been added to my credit report. Upon further investigation the collection was regarding an old account from XXXX  that had been closed on XX/XX/XXXX with a XXXX  balance due by XXXX  in accordance to their company policy that a customer 's account must be closed if they change addresses and a new account must be open for the new address. 

I called XXXX on XX/XX/XXXX and was told by XXXX  customer service that I was in collections for un-returned equipment from my closed account from XX/XX/XXXX. I requested to receive proof of documentation of their attempts to contact me regarding their fees as I have never received any form of bill or letter and the customer service representative stated she was unable to provide or acquire such evidence. 

In XX/XX/XXXX, I had called customer service to schedule a change of address service and was instructed by the customer service representative to keep my current equipment and to not return it because it would be used in my new place of residence. When I moved to my new place of residence in XX/XX/XXXX I was given a new account number and was required to install new equipment to be compatible with XXXX   's new technology requirements. At the time of installation in XX/XX/XXXX, I had asked the XXXX  Technician if he would be taking the equipment and he said no it was not necessary to return. Furthermore, post closing of my account from my prior address XXXX   never provided me with return instructions or labels or any sort of request and told me my previous account to which the equipment was registered to was closed null and void with no additional fees due. To date I have maintained a 100 % on-time payment history with XXXX, I have maintained the same email address, telephone number, and have my current mailing address on file from my new account. To date I have never received any form of attempt to communication or correspondence from XXXX  regarding the {$220.00} balance due before being sent to collections. XXXX  also removed my access to my online account portal as soon as the account was closed and terminated to which I was no longer able to review any documents or impending charges.
Product: Debt collection

In XXXX I sold a mobile home in New York, XXXX XXXX charged me an extra months electrical service {$130.00}, I contested it with them, they said they would contact me at a later date to complete any paper work, and I completed my move out of state. XXXX XXXX never contacted again, the next thing I new was National Recovery contacted me to collect the debt. I paid there required discharge payment of {$100.00} on XX/XX/XXXX by Debit Card yet the this OUT STANDING COLLECTION continue to show up on my credit report.
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX Account number XXXX. Please investigate and PROVIDE PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX  XXXX XXXX XXXX, which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.
Product: Debt collection

This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.
Product: Debt collection

FACTS 1. The said Defendants/Respondents had no contract with XXXX, XXXX or XXXX XXXX XXXX XXXX. 
XXXX. The said Defendants/Respondents has repeatedly colluded together to unlawfully confiscate all of Petitioner/Affiants life possessions located the first time at : XXXX XXXX Place, XXXX XXXX Pennsylvania, XXXX on XX/XX/XXXX and the second time at : XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
3. Affiant never received Notice and was denied his Right of Due Process and has never been seen a day in court regarding these matters. 
4. Affiant only received a Writ of Possession on XX/XX/XXXX ( see Exhibit A ( XXXX pages ) ) from a Man that stated he was the Attorney for XXXX XXXX XXXX XXXX, XXXX while the Defendants/Respondents movers where illegally and unlawfully confiscating all of my lifes possession from my home. 
5. The Writ of possession said : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA.XXXX. The Writ of Possession wasnt signed by a Judge, nor was an Affidavit attached, nor did it have an Order with a Seal from the court or an judge to verify/affirm these unlawful actions, this is Fraud upon the court and the Petitioner/Affiant. 
6. The said Defendants/ Respondents trespassed upon me and my estate and in doing that they violated the terms in my AFFIAVIT NOTICE OF LIABILITY REGARDING TRESPASS AFFIDAVIT OF FEE SCHEDULE AND REMEDY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I returned the security and Internet equipment to the XXXX XXXX location. The representative provided me with a receipt confirmation displaying a balance of {$0.00}. Since then I have constantly disputed the charge with XXXX of {$730.00}. 

I have contacted the company multiple times and on XX/XX/XXXX, I spoke with representative XXXX who stated the account was removed in XXXX and should not be reporting as there is no balance owed for the account # XXXX. 

On my credit report, an account # of XXXX with CONVERGENT OUTSOURCING. The creditor ( XXXX ) has confirmed this should not be listed on credit report as no account balance exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with this agency against portfolio recovery. They inaccurately reported that I owe them {$410.00} to all bureaus. I asked portfolio recovery to verify the debt with the original signed application and the statements showing where the balance came from. The only thing they sent me was a copy of a letter that the debt was sold to portfolio from cXXXX  XXXX. THEY ARE REFUSING TO VERIFY THE DEBT. I live in an apartment building with multiple families, unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this negative account. also they have my name on the account as XXXX XXXX but my name is XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried contacting Discover Card about two disputes. The individual refused to take my disputes seriously and instead put me on long-term hold with the intent of ignoring me. 

I have XX/XX/2022 dispute with XXXX for {$32.00}. I have never authorized XXXX monthly charge... ever. Their phone number does not work either. 

I have XX/XX/2022 dispute with Territory Ahead for {$100.00} because the merchandise was never received by me. I tried calling and using email.
Product: Mortgage

I missed a payment with PHH and setup a payment plan after at least 4-5 calls with them. I had to go through a 20 min interview to get on the plan. I explained to them that I needed the due date to be closer to the end of the month and they said they would change it. 

When I call to make a payment, sometimes it goes through other times I am told the payment can not be processed and to speak to a representative This passed week, i called several times on Thursday, Friday and Saturday to make the payment. Thursday the line was on hold for over 40 mins so I had to hang up. Friday i was disconnected twice and told I could make the payment online. My account online was frozen so i couldn't make the payment.

I called today was on hold for 40 mins and the CSR refused to transfer me to a manager. I paid my usual amount but am not sure if the reported me as late or canceled my plan.
Product: Vehicle loan or lease

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. EXETER FINANCE CORPORATION will be civilly liable under Title 15 U.S. Code 1692k if EXETER FINANCE CORPORATION failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies XXXX XXXX credit application Respectfully XXXX XXXX, Consumer/ Natural Person
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 debt bondage, which falls under trafficking according to Trafficking-Debt 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 CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, Equifax and Experian. Please delete the following accounts JPMCB BANK - 07/23/2024 - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX- XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXX - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - XXXX5 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXXXXXX XXXX XXXX XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXX  15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.