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

Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with TRANSUNION XX/XX/2020 received a notice from XXXX   saying my bankruptcy was verified XX/XX/2020 sent another dispute to XXXX disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from TRANSUNION saying the bankruptcy was verified with XXXX XXXX which is not true. 

Both XXXX and Transunion are reporting information they did not verify. XXXX did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX and XXXX. I can send in all letter and proof from the courts and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report were not from me 1. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX
Product: Debt collection

We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Capital One Attn : Correspondence Department [ Address from Report : XXXX XXXX XXXX, UT XXXX ] Subject : Request for Account Information Account Number : XXXX Dear Sir/Madam, I am writing to request specific information regarding my closed account with your institution. Please note that I am not disputing the account ; I am simply seeking clarification on the following details : The date of first delinquency on the account.

The date the account was officially charged off.

The date of the last payment made toward the account.

This information is requested to ensure my records are accurate and up to date. Please provide this information in writing at your earliest convenience. If additional information or verification is needed from my end, please let me know.

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

Sincerely, XXXX XXXX
Product: Credit reporting

I had a tax lien that came off my report and reappeared back unto my credit report but it should be deleted.
Product: Checking or savings account

Reordering of transactions to cause massive overdraft fees. ATMs coincidentally nonfunctional when trying to deposit money to cover transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquiry on my report that I never authorized, I have not signed or applied to any of this creditor or company who posted hard inquiry on my report. Therefore, I have come to you, the credit reporting agencies to resolve this issues. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. This is not mine : XXXX  XX/XX/2021 this item above should be removed from my report immediately.
Product: Credit card

XXXX XXXX took out multiple loans and credit cards on my name and my family 's name without our consent & authorization for many years. We discovered this after reviewing our credit report. 
All the credit card companies and loan lenders have been contacted to start a fraud investigation and report fraud. 
He also used different names that I discovered on my credit report. 
My name is XXXX XXXX. 
Other names that were used on my credit report that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX Addresses on my credit report that are incorrect : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX took out multiple loans and credit cards on my name and my family 's name without our consent & authorization for many years. We discovered this after reviewing our credit report. 
All the credit card companies and loan lenders have been contacted to start a fraud investigation and report fraud. 
He also used different names that I discovered on my credit report. 
My name is XXXX XXXX. 
Other names that were used on my credit report that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX Addresses on my credit report that are incorrect : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Credit cards : XXXX. Capital One opened XX/XX/XXXX for {$230.00} ; XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX for {$990.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had unauthorized Zelles come through despite my pleas to both Zelle and my bank I never received any funds back from these claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained several times and they said the needed this info
Product: Vehicle loan or lease

On XXXX XXXX, I discovered that an auto loan had been opened in my name with Carmax Auto Finance. This unauthorized loan has caused significanXXXX XXXX XXXX XXXX XXXX, and I believe it constitutes fraudulent activity. 

Lender name : Carmax Auto Finance XXXX amount : XXXX Date opened : XXXX XXXX I have already contacted the lender, ( Carmax Auto Finance ), to dispute the loan and request its immediate closure. Despite my efforts, the lender has not taken appropriate action to resolve this issue. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that the unauthorized loan is promptly addressed.
Product: Student loan

I had the loans through the department of education and had trouble getting them paid for a long time. They decided to transfer the loans to FedLoan without my knowledge. I did not receive any consultation or letters informing me of the change. So when I started receiving post and calls from FedLoan I originally thought I had been the victim of identity theft. Once I got a chance to actually talk with them I was able to get started paying on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint is not a mistake and requires urgent attention. My credit report contains mixed information, and I have repeatedly come across accounts, transactions, and items that are not mine. This ongoing issue is extremely concerning and has been causing me significant stress and XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a PayPal card I reported unauthorized charges on my account for XXXX XXXX active and other charges that I didn't make. Pay pal credited my account for the charges totaling I believe XXXX once I received my money back I used it. Close to a week later PayPal took it upon themselves to take the funds out of my account. I called in multiple times and spoke with customer service representatives concerning this issue they refused to help me or return my money I have filed an appeal on their decision but still they kept my money I didn't know what my next steps were on how to get my money back. This happened back at the end of XXXX I believe.
Product: Mortgage

The first and second monthly mortgage payment were received, one was posted the same day, the other was recorded about 14 days late. The following 2 month mortgage statements had about 48 erroneous credits and debits on the mortgage statement, none of the ACH monthly payments sent were credited to my account, thus, the principal and interest amortization schedule did not match my accounting. I have since then sent a letter from my bank, signed by the XXXX XXXX  Branch Manager that 4 monthly payments have been sent ACH between the XXXX - XXXX day of the month, I was concerned that a foreclosure could be started soon, should this not be resolved in time ( 90 days plus ). Sending numerous emails asking if the misapplied credit and debits are from other borrowers. The answer I received was shocking, the person mentioned in the email " that the account number is associated to 3 different loans so that's where the mixed up happened ''. This person also claimed that a refund of {$460.00} was sent to my bank. ( I thought ; how did this person have my bank account number and routing number? ) In her email she stated " the refund was sent, that this amount currently left to cover XXXX 's payment. '' She requested my bank statement, etc. it was then that I asked who authorized this refund, what was the reference number to this alleged refund and so on. She finally admitted that this so called refund was sent to someone else. The account number to my XXXX has now been changed due to this person mentioning that 3 other loans are using this number, ( in an accounting software? ). The fron of the monthly statement does not have a mailing/ payment address. My concern is also with the credit reporting agencies, I have not had a chance to request a report, since I never received an answer as to who this company NewRez reports to.
Product: Checking or savings account

On XX/XX/2020, I tried to purchase a vehicle through XXXX Pay for {$4700.00} and that same day the money came out of the account. The guy I paid claimed he never received payment for almost a month, so on XXXX/XXXX/2020, I filed a dispute with my USAA. The money was returned to my account on XXXX/XXXX/2020. On XX/XX/2020 the dispute was closed. Then today, XXXX XXXX, 2020, they reversed the credit and sent the money back to the guy without any notice, causing my rent to bounce. I called and spoke to customer service who told me there " was nothing they could do, but would be happy to put in a re-dispute '', which I did. Then I called back to speak to someone in management where I was told that they dont put calls in to management. Instead I spoke to an " Executive resolutions specialist '' who again reiterated that I could put in another dispute and that the receiving bank had submitted supporting documentation to support that I had received services. I do NOT have the car, and he has since sold it to someone else. Basically USAA stole {$4700.00} out of my account and they are basically telling me I have no recourse.
Product: Debt collection

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) XXXX {$140.00}
Product: Debt collection

I have never had a XXXX account or any such entertainment provider. This appeared on my credit report.
Product: Debt collection

XXXXXXXX hospital make a mistake by giving me a XXXX shot for XXXX without getting it approved first. This shot alone cost around XXXX since the hospital made this mistake they agreed to dismiss the charges and I was not suppose to even get a bill. I have talked with them many times and they have apologies to me for this. However somehow by miss communication this bill went to collections. to Capio partners which in turned showed up on my credit report and lowered my credit score 35 points. I have been talking to a XXXXXXXX hospital representative about this matter and he has assured me that this will be taking care of and this would come off my credit report. I have also mailed a letter to the collection agency and gave them his phone number in an effort to get this removed from my credit report.. I have disputed this on XXXX with no results. You can contact XXXX XXXX a rep with the hospital and he can verify all of this. Phone : XXXX XXXX, Fax : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, BBB, and the XXXX XXXX XXXX XXXX XXXX so I'm resending the documents that I sent last month for you to look into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 certified return receipt letters to Georgia Student Finance regarding the late payments they are reporting on 7 accounts that are  damaging my credit severely. 

To date, they have ignored my letters and never responded to me. 

I have provided them with FTC Advisory Opinion to Harris ( 03-22-99 )  *attached, which states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such  as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 

Please assist me with getting a response from Georgia Student Finance regarding the issue stated above. They have ignored my disputes and every month, they continue to report late payments even though the FTC opinion states they are to CORRECT and update the payments now that they are no longer late.