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

I am uploading documentation that XXXX  is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my XXXX credit report. I am also uploading proof from my XXXX  credit report that it has been confirmed that this account was never paid late. I have disputed this several times with XXXX   but they will not fix this error.
Product: Credit card or prepaid card

It shows an account with Adverse information on my XXXX report is my Best Buy Credit card with a balance of XXXX dollars. They keep sending me a bill to pay but there is nothing to pay. I have called and they said they will cancel my account but i still get these emails. 

This is affecting my credit score. How can an account with a XXXX balance have an adverse account standing? 

Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$350.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Debt collection

I have contacted company and requested written documents showing ownership and liability of debt as to date none have been provided. XXXX XXXX has reviewed and found the debt unauthorized and/or not provided as such this debt is not valid. Further more this debt was purchased by a third party debt collector Who is reporting medical information in violation of HIPAA laws.
Product: Credit card or prepaid card

Back around XX/XX/2019 I called in and spoke with a KeyBank, the primary subsidiary of KeyCorp 's agent about my bill due to KeyBank sending me several letters about incorrect posting of fees and charges on my account that they'd supposedly corrected. However, during this call of over 1 hour with the agent we both realized in calculating all my purchases, accessed interest, and payments the amount was not equaling to what the agent calculated or myself. The balance remaining was {$100.00} 's over what the balance should have been. So the gentleman gave me the Executive Department 's contact. When I contacted this department I provided them number for number exactly what the original agent and myself had came up with and how based upon the payments, interests, and purchases made. I was assigned an executive agent XXXX XXXX whom at this point XX/XX/2019 has failed to meet 2 or 3 of our scheduled appointments to discuss their findings and who has demonstrated a constant disregard of this matter and ethics in following up and following through to address this issue. I have continued to pay on the card in fear of them messing up my credit again and needing to wait months and moths later for corrections. 

I have called over the last 4 or 5 months leaving her detailed messages, complaining to the executive department for reassignment to a more responsible agent, and even filing with them a formal complaint on XXXX XXXX. I spoke to her in between those 4-5 months explaining that we needed to schedule some time to talk about the specifics but that I would need to have my notes handy. But, she's intentionally missed our appointment and call me after hours that I've told her I am not available. Her work ethics need to be seriously looked into and she needs to be held accountable. Because even if their agent and myself got the figures inaccurate XXXX XXXX should be able to explain their findings in a reasonable time. It took her about 2 months to even resolve their findings and I've been waiting since then to discuss the specifics. Granted I did need to reschedule our initial appointment, but every time thereafter I have been available and she's not called or left any messages during our schedule appointments.
Product: Money transfer, virtual currency, or money service

I sent bitcoin to my cashapp wallet which went trough on the blockchain and is currently in the bitcoin wallet with cashapp.

However cashapp has since restricted/ closed that account and I can no longer access it to retrieve the bitcoin associated with that cashapp account. I have reached out to support multiple times and no one seems to be able to assist me in gaining access to the account with my bitcoin. This has been an ongoing nightmare since XXXX of XXXX, the account has over XXXXXXXX XXXX in bitcoin and I have yet to be able to access the money in that account. Countless emails and phone calls with support and still no resolution!
Product: Debt collection

I Called National Credit Adjusters & Informed Them About The Debt They Was Collecting On Was Already Discharged.
Product: Credit card or prepaid card

I/we opened an account with PenFed, when it was for military members and their families. Since I opened my account a few years ago, the company appears to have been acquired by a private company. There also appears to have been some policy changes made. 

I paid off all of my debt to my Pen Fed ( Pentagon Federal Credit Union ), that I owed for my credit card with them, in XXXX, 2022. At the time of the final payment, I included a request, that my account be closed. 
Since my initial request, I have requested, Several other times, that the company, PenFed, close my account. To date, ( XX/XX/2022 ), they have failed to do so. I have received billing statements showing fees for delayed payments. My account is paid through my bank; ( the bank can attest that there has Never been a payment that was sent to them past the due date ). 

After several attempts to close my account over the phone with no success, I researched the company. I sent a letter, including a copy of the cashed, final payment check, to the XXXX XXXX XXXX at PenFed headquarters, in XXXX, Va. 

The letter was sent by certified mail and signed for. STILL, they have not closed my account. Instead, I receive dunning notices about outstanding fees owed to them, with no explanation of the fees. 

It is my wish and request to close my credit card account ending XXXX immediately. Will you kindly, assist me/us with this matter? I should not be held XXXX by PenFed. I no longer wish to have this account. I am a XXXX Vet, I can not keep dealing with the stress of this issue. 

I have attached a copy of the billing statement and a copy of the cancelled check for the payoff payment, from my bank. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of certain accounts from my credit report that have resulted from identity theft, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. I recently discovered that my personal information has been compromised, leading to fraudulent accounts being opened in my name without my knowledge or consent. I have taken immediate action to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and local law enforcement. As per the FCRA, I kindly request that you investigate the following accounts that have been fraudulently opened in my name : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX.I have enclosed copies of the identity theft report filed with the FTC, as well as any supporting documentation that verifies my claim of identity theft. Please review these documents carefully and take the necessary steps to delete these fraudulent accounts from my credit report. Additionally, I request that you provide me with a written confirmation once the investigation is complete and the accounts have been removed from my credit report. This confirmation should be sent to the address mentioned above. I understand that under the FCRA, you have 4 days to investigate my dispute and respond to my request. I appreciate your prompt attention to this matter and your cooperation in resolving this issue. Thank you for your assistance in rectifying the impact of this identity theft incident on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Account Info Reference Number XXXX has violated my rights.

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
Product: Mortgage

LoanDepot has been my mortgage provider. I Have been making regular payments on my property but they claim the payments are not going through- they have published XXXX  XXXX on my account - The Banks confirmed that the money has been debited and i have sent screenshots to the Mortgage company showing the money was taken from my account- there is a problem in their system ( they dont admit it ) Pls help me out here since the mortgage company is threatening me with foreclosure
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXX should be no other names or addresses on my consumer file. My employer is XXXXXXXX XXXX XXXX  there should be no other employment information on my consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 45 days ago my auto company removed my loan from my credit report causing me to lose 4years of good payment history and causing my credit score to drop I have made approximately 10 different phone calls talking to upwards of 20 different people always being told the same thing we will get this updated and reported as of XXXX/XXXX/XXXX its still not corrected on my XXXX report the one they removed it from, I have asked repeatedly under the fair credit reporting act they fix this but I get nowhere everyone says I will call you back after I look into it but no one ever does I am to the point I have started looking for an attorney to help me. I applied for a Home loan because my scores where fine but when they pulled it and this wasnt on my report it dropped my scores enough I was denied the loan I am just tired of dealing this and want this matter fixed now
Product: Student loan

On   XX/XX/XXXX  , I authorized a {$690.00} payment towards Navient, or so I thought. I made this payment thinking that it qualified me for a  ten  year, $  XXXX  income-driven repayment plan. It looks like this {$690.00} was NOT applied to my student loans. It appears a third party managed to fraudulently collect this money. The phone number associated with this transaction  (  on my bank statement ) is not a working phone number. Navient has also informed me that they do not have offices in Florida, the state associated with this transaction. I have been in contact with both  XXXX    XXXX   and Navient to try and resolve this matter as quickly as possible. Please let me know if you can help in any way.  <P/> Thank you.
Product: Money transfer, virtual currency, or money service

Had a situation where i sent someone money and they never received it. this person was my mother and i was sitting next to her when i sent it and could see she never received it. i contacted cash app support and asked them to help resolve the issue and they said they see it was sent. i explained yes it was sent but never received and if they cant figure out why it wasnt received to please refund the money back into my account and they completely started ignoring me. this was never resolved and the money wasnt ever seen by my mother in her account or me in my account after this.
Product: Checking or savings account

The US Bank account # XXXX XXXX is in mine and my wife XXXX XXXX name. On XX/XX/year>XXXX  I deposited a check for {$1700.00} from my wifes Farmers account into the US Bank account above. 
On XX/XX/year> Farmers cleared the amount. Hence US Bank got the money. Today, XX/XX/year> during a recorded call with US Bank, they told me that the amount may not be in my account before XX/XX/year>. This is not acceptable. Pls help that this does not happen anymore.
Product: Mortgage

A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX  for a copy of the court document. The Community Loan Servicing in the amount of {$150000.00} is outstanding debt related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX, 2012 OR put the marital home up for sale. According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe Community Loan Servicing and XXXX Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without my signature and still hold me financially responsible. I hereby dispute this account as she has modified the loan in her name as single and unmarried AND it is still reporting on my credit as Ms. XXXX is currently in contempt of court for failing to remove me from the mortgage or dispose of the property in a timely manner. This lender, having knowledge of the final judgement based on the loan modification, is still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loan instead of refinancing it. The bank had the opportunity to refinance or let her assume the mortgage based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXX ( Acclaim Official Records )
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED IN THE MAIL AN EQUIFAX CREDIT FILE DATED XX/XX/2021, SENT TO ME FROM EQUIFAX. THIS VERIFIES THE FACT THAT I DO HAVE AN EQUIFAX CREDIT FILE. 

HOWEVER, WHEN MY CREDIT UNION ( XXXX XXXX XXXX XXXX ) TRIED TO GET MY CREDIT SCORE FOR THE PURCHASE OF AN AUTOMOBILE, THEY WERE UNABLE TO OBTAIN ONE. 

SO, MY CREDIT UNION, WHICH ONLY USES EQUIFAX, ASKED ME TO CONTACT EQUIFAX, I ALSO WAS UNABLE TO OBTAIN MY CREDIT SCORE.
Product: Debt collection

On XX/XX/XXXX around XXXX XXXX  PST i receive a call from a representative of lien enforcement inc advising me about a debt owed to them I advised them that he debt was wrong as the car that was towed never belonged to me due to the previous owner title jumping and the vehicle was never officially registered under my name Representative cut me off advised me if I was going to deal with it told him no since this wasnt my dent and wasnt my vehicle Customer rep than with an attitude then threatened to the company will sue me verbatim and then after exchanging words due to his rude attitude and condescending tone he hung up Attempted to call back and be forwarded to a manager but someone picked up and then hung up I sent an email with my complaint and pursuing damages against the company and the rep
Product: Credit reporting

I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.
Product: Bank account or service

My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that " Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have an email from an employee of XXXX XXXX XXXX XXXX by the name of XXXX XXXX who analyzed my credit report and gave me a summary of the repairs that would be made on my credit report. 
On XX/XX/XXXX, I received an email from XXXX XXXX, Senior Consultant, employee of XXXX XXXX XXXX XXXX who informed me that XXXX XXXX was no longer employed by them and that he would be assisting me. 
On XXXX, I received another email from XXXX XXXX and telephonic communication who helped me to sign my contract through a company by the name of NOTARIZE through live video and audio conference call. 
On XX/XX/XXXX payment of {$500.00} deposit, XX/XX/XXXX payment of {$400.00} and XX/XX/XXXX payment of {$400.00}. 
As of XX/XX/XXXX, It was my belief that XXXX XXXX began to repair my credit. I was told by XXXX XXXX that they were going to place fraud alerts with the bureaus so that my credit would not be accessed as they were attempting to repair. As the months passed, I received lots of emails from the bureaus and saw an increase in my credit score. At some point, I had a question regarding a creditor on my credit report and was unable to contact XXXX XXXX. I kept calling and finally got an agent who told me that they were having some technical issues with their website but that they were working on it and that she would contact the back office to inform them of my concerns. I never heard from XXXX XXXX from that point. As I review my credit score now, it appears that my score has dropped to the score or below the score that I originally had when I first contacted XXXX XXXX. I'm not sure if XXXX  reversed the scores or if the bureaus reversed the score, but I would like it to be investigated.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3900.00} Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Checking or savings account

I got email from Discover on XX/XX/XXXX saying my account was blocked and I needed to call their security team immediately. I did so and waited for more than 3 hours on line while nobody answered and was just cut off. 

I tried multiple times from Monday to Friday from 8am to midnight, and waited for many hours on line just to get to talk to a human. There was no one to answer the call for this whole week. My savings account totally disappeared from my online banking and mobile app. 

I saved all my money in discover savings account, and now I can not access it and can not make any payment while no agent can help me solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Equifax on XX/XX/2021 and XXXX on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the XXXX account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 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 by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2
Product: Debt collection

this is a followup to case # XXXX. When they found out I complained to you, they had a lawyer send me a letter about this complaint. Apparently I am being sued for filing a complaint with you. It didnt say in the letter any legal action was pending but why else would they hire a {$250.00} an hr lawyer to write me a refutation of my complaint.