23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off the subject loan weeks ago yet continue to receive email messages saying I have a missed payment. I have attempted to contact the company by responding to its direct email messages as well as calling them yet they continue to send these messages.
Product: Debt collection

XXXX not aware of any of this. I looked at my credit report n notice a total of XXXX in collection to XXXX XXXX. Someone use my Identity this is fraud I want it taken off this was not me
Product: Money transfer, virtual currency, or money service

On XX/XX/2919, I mailed 2 antique oriental rugs to the auction House XXXX XXXX in XXXX Ma . 

These were to be auctioned off on XXXX. and they were. 

Usually they send a check for the proceeds within 30 days but after more then a month when I hadn't received payment, I called XXXX and was told that they had wired the proceeds ( {$1500.00} ) as per my email request. 

I never sent said email request but it was in my name and with my email address. 

They had wired my money to an account # XXXX on XX/XX/2019. 

I tried calling the Branch Bank & Trust in XXXX, NC yesterday to speak to their fraud dept. but was denied access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no choice but to submit complaints against you with the CFPB for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that its negligence being that I notified you several times informing you that I sent a letter to the creditor, and they updated the account. The only credit bureau that is accurately reporting the account is XXXX. I will attach the letter sent to the creditor, which is dated, and time stamped. The updated XXXX credit report is updated as well. I need these items corrected per my request below. ATTORNEY GENERAL-CHI XXXX
Product: Mortgage

On XX/XX/2020 I contacted customer service at Mr. Cooper to discuss the financial impact the COVID-19 pandemic is having on my ability to make my mortgage payments on time and in full. I own three rental properties, two of them which Mr. Cooper services the mortgages. I am aware that Mr. Cooper is currently offering forbearance ; however, after reviewing the terms of that program, I can clearly see it will place a tremendous financial burden on consumers at the end of the time period for which it is specified, namely, the accumulation of mortgage payments which will be due in full at the end of the forbearance simultaneous with attempted economic recovery by myself and other consumers. I do not anticipate having a large sum of money pay towards that amount. Therefore, I requested loan modification. I was informed the process could take up to 30 days per property. When I asked what to do about my inability to make my currently-due payments, I was not offered any viable solution and was told that fees will be assessed on late payments and my credit will also be negatively affected. I believe the time period for review and approval of loan modification is excessive, given the dire circumstances our country is in due to COVID-19. I have a mortgage with another lender ; they offered to immediately send documents for me to sign which would expedite loan modification for three months, which will provide great relief to my financial situation. I also believe Mr. Cooper 's threat of negative action against me is inappriopriately punitive. Further, I see Mr. Cooper 's program of forbearance as short-sighted, unrealistic and financially burdensome, given the extreme hardship that will impose on myself and other consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Premium Credit Bureau LLC performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that Premium Credit Bureau LLC had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing this letter to file a formal complaint against the XXXX major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report. 

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act. 

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation. 

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,
Product: Debt collection

Total debt was paid in full and XXXX with GLA COLLECTIONS AGREED TO PAY IN FULL THE DEBT WILL BE REMOVED COMPLETELY FROM CREDIT REPORT ON XXXX. SPOKE WITH XXXX WITH GLA COLLECTIONS 2 TIMES AND SHE SAID SHE HAD RELEASED THE DEBT AS PAID IN FULL AND COMPLETE REMOVAL. 2 WEEKS AGO TODAY XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at [ phone number or email address ]. 



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

ON XX/XX/2023 I PAID CREDENCE RESOURCE MANAGEMENT THE BALANCE I OWED IN AGREEMENT THAT THE COLLECTION ACCOUNT WOULD BE REMOVED ONCE PROCESSING OF THE PAYMENT WAS COMPLETE IN 3-5 BUSINESS DAYS. AFTER THE PAYMENT HAS POSTED, APPROXIMATELY 2 WEEKS THE TRADELINE WOULD BE REMOVED FROM MY REPORT. AS OF XX/XX/2023, THE ACCOUNT STILL REMAINS ON MY ACCOUNT. I HAVE DISPUTED THE INFORMATION THREE SEPERATE TIMES WITH PROOF OF THE LETTER STATING THE ACCOUNT WOULD BE REMOVED DIRECTLY FROM THE CREDITOR AND THE RECEIPT SHOWING THE AMOUNT PAID BUT XXXX HAS NOT REMOVED IT. THE " SUPERVISOR " I SPOKE WITH ON THIS MATTER FROM CREDENCE WAS EXTREMELY RUDE TO ME EACH TIME I CALLED AND WAS ONLY CONCEREND ABOUT GETTING ME OFF THE PHONE. THIS IS UNACCEPTABLE! XXXX AND CREDENCE RESOURCE MANAGEMENT ARE VERY UNPROFESSIONAL ESTABLISMENTS
Product: Checking or savings account

During the first week of XXXX, I was informed TD Bank initiated to close my account and I would receive my remaining account balance in form of a check sent through the mail. Since that time, I have gone to the branch multiple times, stood for long hours under the sun, and on some days in the rain-soaked wet which made me very very unhappy because I am sick ( being in those conditions is dangerous for my health ) and after all those distressing waits the only answer I kept on getting was " the account is not closed yet but will be closed and I would receive a check in the mail. '' When will it be closed? Why is it not closed yet? I never got an answer to those questions. 

I resorted to getting somebody from a different office on the phone hoping that they couId help me solve this issue but I was just taken back to the same problem. I spent so many hours on the phone to be repeatedly told by each and every customer care agent the same exact thing that I should go to the usual branch I went to on XXXX XXXX XXXX XXXX and they would close the account then they would either hand me a check or send it in the mail. This never happened and whenever I went to the branch office I had to go through the same heart-breaking experience. Imagine yourself going to the bank about twice a week, WITH A HEALTH CONDITION standing under the sun and sometimes under the rain. This could cause me serious health consequences during a time when any sickness could be fatal. 

Today the branch manager XXXX XXXX XXXX told me the same thing he has been telling me for the past months that he is sorry but there is nothing he can do for me and this is out of his hands ; how is this a solution from a branch manager. An account closure is not so complex but why is my situation different? I never had an answer to that. I told the branch manager I am honestly very annoyed and have tried my best to be as humble and polite as possible but it is clear they are unwilling to help me. 

I have tried every possible polite way to get this resolved. Frankly, I am very angry and disappointed. I have suffered physically, financially, and mentally just to get an account closed. I should not have to go through all of this just to get my money back. 

Please help me close my account and send me my balance. Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Account Number - XXXX. I just got a copy of my credit report. I noticed that you are reporting this account incorrectly .This account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

According to the cares act Covid 19 forebarance late payments should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian. I paid off a collection account that was delinquent in XX/XX/XXXX and I sent the proof that I received from the creditor to Experian. Experian stated that they reached out to the creditor and determined that the debt was correct and they would not update the information. I contacted the creditor and they stated that not once did experian contact them regarding my dispute inquiry. I have contacted experian and have proof of contact on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request experian correctly look into my dispute. The amount of the debt I owed and paid in full was {$4300.00}. I contacted experian to request that they make the adjustment on my credit report to reflect the collection account was paid. Each time I contacted experian I sent proof from the creditor that the debt was paid in full. Experian has replied each time with the following statment " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX of XXXX I paid {$310.00} I was told this would bring my account balance to XXXX. XX/XX/XXXX paid {$75.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00}. 
I asked for the statement back to the time of my last purchase, I only received statements back to XX/XX/XXXX. Each month I talk to a representative at Home Depot trying to resolve this.I have been charged {$400.00} in late fees XXXX In interest fees in the time between XX/XX/XXXX and XX/XX/XXXX.I have made {$420.00} in payments to Home Depot in that same time period and yet as of XX/XX/XXXX my balance remains {$340.00}. 
I have more than paid for my original purchase. Ive offered to pay an additional payment to settle my account to XXXX balance which they refused.I desperately need help resolving this account thank you.
Product: Bank account or service

I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.
Product: Credit card or prepaid card

On XX/XX/2018, at XXXX EST, my payroll direct deposit for {$1800.00} was deposited to American Express Bluebird card # XXXX, XXXX XXXX ( XXXX ). On XX/XX/2018, at XXXX CST, I received and email from American Express Bluebird indicating my account was closed due to violations of 15D. After researching Section 15D of the user agreement, I am 100 % certain I did not violate any of the rules associated with my account. At XXXX CST, I contacted American Express Bluebird Fraud Dept. XXXX. I spoke with XXXX. I explained that my account had been closed in error. That the money in the account was for food, gas and shelter as I work 2,000 miles from home. XXXX told me that the account was indefinitely closed and the money in the main account and sub account XXXX was no longer available to me. I panicked and explained the situation again. XXXX told me that there was nothing she could do. At XXXX CST, I contacted the XXXX Police Dept. , XXXX, NE. I was instructed to file a complaint with FDIC and CFPB. At XXXX CST, I telephoned American Express Bluebird Fraud Dept . at XXXX. I spoke with XXXX. XXXX explained that a refund would be mailed to my address of record in 7 to 10 days. I explained that I no longer live at the address on record as I work away from home. He said there was nothing he could do to help me. 
At this time, XX/XX/2018, I am without gas to travel to work and food. I am trying to work with my employer to help me maintain shelter for my dog and I. American Express Bluebird allegedly has stolen my money. There are over 1,000 complaints against the company.
Product: Vehicle loan or lease

They are reporting that in XXXX I do not make payment to my credit and the charges they did automatically to my checking account. I had an accident in my vehicle and reported the accident to the bank and insurer which they were responsible for paying. 
The bank is reported not to make a payment in XXXX and is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 CONSOMER REPORTING AGENCYNCANNOT FUMISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

Fraudulent charge on account, was reported, not removed, and billing continued, along with interest rate. We have repeatedly requested the charge be removed and the account closed. The owner of the account is in XXXX
Product: Money transfer, virtual currency, or money service

I accepted a job offer published on XXXX for a XXXX XXXX, on XX/XX/XXXX. My job was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a check to pay for items needed. I received a check the following day ( XXXX ), deposited to my bank account, I was given a receipt stating the funds would be available the following day. I was asked to send a copy of the receipt to my new employer. Since the funds were available on the XXXX, that same day, I was asked to go to the store to buy supplies. Things became too strange and I texted my employer to explain why I was uncomfortable. Since I no longer wanted to go forward with the situation/job, I did not want to keep the money sent to me by check ( {$3200.00} ) and it was suggested that I return the funds using Bitcoins, I didn't want to do that, then XXXX was suggested and I did the transfer using XXXX that same day. The following day, my bank informed me that the check was fraudulent and I transferred my own money to crooks. 
My bank should have verified the check when I made the deposit, instead of giving me a receipt showing an availability date of XX/XX/XXXX, 24 hours after the deposit was made. 
I am retired looking for a job to supplement my retirement benefit and now I am very short XXXX. Please help me get my money back, it is a small amount for a bank that has insurance coverage for that type of situation. 
Thank you
Product: Mortgage

made a request for my escrow refund and I made a FOIA request nothing to date my loan is no XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXXXXXX XXXX XXXX hauling XXXX.to ask about XXXX XXXX my husband and XXXX   stephfather how to reach XXXX XXXX is XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is Harrasement. 
XXXX Ph # XXXX ext.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EXPERIEN I DONT OWE THE DEBTS THAT IS ON THERE IS INACAURATE I DONT OWE CHILD SUPPORT THERE CLOSED ACCOUNTS I PAID OFF ON ALL THREE BUREAU PLUS I AM CLEAR OF XXXX XXXX AND ITS SOME FRAUD ITEMS ON MY CREDIT AS WELL SO THE INFORMATION THEY GOT IS ALL FALSE PLEASE REMOVE ALL THE NAGATIVE ITEMS OFF ALL THREE CREDIT REPORTSO I CAN BE FREE OF THESE FALSE DEBTS. THANK YOU!