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

I filed CFPB complaint XXXX  on XXXX XX/XX/XXXX  regarding a the reporting of a private student loan account with XXXX with Transunion. Transunion reports receiving the complaint on XXXX XX/XX/. In the complaint, I made clear that XXXX had been sending bills to addresses that I had not lived at in over fifteen ( 15 ) years. I provided documentation that showed the random address changes. I simply asked that the periods over which I was not receiving bills be marked as not reported. On XXXX XX/XX/XXXX XXXX  Transunion responded with : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' I do not need assistance in obtaining a credit report. After pulling my credit files with all three ( 3 ) consumer reporting agencies, I find that the account Transunion alleges not to be on my credit report is indeed STILL reports in my credit file as of XXXX XX/XX/. Transunion did not respond until XXXX XX/XX/, which means their investigation took longer than thirty ( 30 ) days. The information identified needs to be removed. Transunion claims the account/tradeline does not exist in my credit file, but as of XXXX XX/XX/, it does : the derogatory information identified in CFPB complaint XXXX needs to be removed. Overall, Transunion failed to conduct a reasonable investigation, by claiming an account that they are persisting in my credit files does not exist. They have not upheld their duties under the FCRA and thus the derogatory information as identified in CFPB complaint XXXX needs to be removed.
Product: Debt collection

The collection is not my own. I never got the bill for hospital. And the social is it not correct. The date is XX/XX/2015. Amount is {$610.00}.
Product: Checking or savings account

Navy Federal credit union overdraft fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are more from XXXX I will send a copy of bank statements if needed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Payment History Dear XXXX Dispute Department, I am writing to formally dispute an inaccuracy on my credit report concerning my Chase account ( Flexible Spending Credit Card ). Upon reviewing my credit file, I noticed that this account is reported as Terminated, despite having a current status with a last payment recorded on XX/XX/XXXX. This is incorrect, and I request an immediate correction. 

Additionally, my payment history for this account is reported as on time for all periods, and there is no record of late payments ( 0/0/0 for 30/60/90 days late ). However, this contradicts another credit bureau report from XXXX, which inaccurately marks late payments in XXXX. This inconsistency needs to be investigated and resolved. 

To ensure my credit report is accurate and reflects my responsible credit usage, I request : XXXX. Verification and correction of my Chase account status to ensure it is properly reported as Current rather than Terminated.

2. Removal of any inaccurately reported late payments across bureaus to ensure consistency and accuracy in my credit file. 

I have attached supporting documentation, including my Chase account details, payment history, and other relevant records, to support my claim. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve this dispute within 30 days. 

Please update my credit report accordingly and provide me with a written confirmation of the corrections. If you determine that the disputed information is accurate, I request a detailed explanation of your findings and the sources used for verification. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and keep me informed of any updates. If you require additional information. 



Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/year>, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/year>, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/year> ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car off on XXXX XXXX XXXX with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX The credit reporting agencies are reporting the fraudulent schools studen loan on my credit report as verified, when in essence the school was fraudulent and could not have been verified. The school was sued and closed down in the state of California because of their fraudulent activities. Students from XX/XX/XXXX-XX/XX/XXXX student loans were suppose to have been forgiven. 

Equifax, XXXX  and XXXX will not remove from my credit report. 

They are reporting 2 separate loans by US Dept of Education incorrectly.
Product: Checking or savings account

Subject : Response to US Bank 's Statement Regarding Case # XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to follow up on my earlier complaint regarding US Bank 's failure to honor a promotional offer and the unjustified imposition of service charges. I recently received a response from US Bank ( dated XX/XX/2023 ) regarding CFPB case # XXXX. 

Firstly, US Bank claims that the address provided in my concerns does not match the address they have on file. I would like to clarify that my current address is as stated in my initial complaint. Any discrepancy may be due to the delays and communication difficulties I experienced with US Bank while opening the account. 

The primary issue of contention is the bank 's refusal to honor its promotional offer of a {$500.00} bonus. According to their response, my account balance fell below the {$3000.00} threshold required for the bonus because of a service charge they levied. The charge was for a paper statement fee, which was neither stated in their promotion nor communicated to me at any point during my interactions with them. My understanding of their promotion was clear- XXXX XXXX  monthly service fee. The paper statement fee was an unexpected charge, and it seems that it was deliberately imposed to evade paying the open account bonus. 

Moreover, US Bank 's response suggests that I should have been aware of these additional charges as they are stated in the " Business Pricing Information disclosure. '' I assert that this was not communicated effectively during the account opening process or afterward. This lack of transparency is deeply concerning. 

In light of this, I remain firm in my belief that US Bank 's actions were misleading and in breach of their promotional offer. I am not satisfied with their response, and I continue to seek the CFPB 's assistance in rectifying this situation. I ask for an investigation into these undisclosed service charges and that the bank is directed to honor their original promotional promise of a {$500.00} bonus. 

Thank you once again for your time and attention to this matter. I trust that the CFPB will uphold the interests of consumers like myself in the face of such disappointing business practices. 

Yours sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.
Product: Debt collection

PORTFOLIO RECOVERY IS ATTEMPTING TO RECOVER FUNDS I DO NOT OWE. THEY ARE WORKING WITH XXXX  XXXX TO RUIN MY CREDIT WORTHINESS. I LITERALLY LOCKED MY CREDIT AFTER ALL THIS NONSENSE. 

I DON'T OWE. I RETURNED THE BOX. THEY LOST THE BOX. IT IS NOT MY FAULT. I DON'T OWE YOU MONEY. OR XXXX  XXXX. OR XXXX. OR ANYONE ELSE IN THIS MINAJ OF XXXX 

LEAVE ME ALONE. 

IF YOU PERSIST, I WILL BE SUING YOU UNDER THE FCRA AS AN AGENT OF XXXX  XXXX OR XXXX. WHOMEVER. I DON'T OWE YOU ANYTHING. 

LAST WARNING. NEXT COMMUNICATION WILL BE A SUMMONS, COMPLAINT, OR SUBPEONA. TRY ME. 

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

I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XXXX/XXXX/2017. I have not heard back from either of them.
Product: Debt collection

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Client Services Incorporated. 

This Company is harassing me for a debt that they claim that I owe to XXXX ( XXXX ) at XXXX. 

This company has consistently called my cell phone several times a day, they have been harassing me without even prior verification of the debt that they are claiming that I owe. 

The enclosed collection letter, I just received from them on XX/XX/2020, and I want to make it clear to them that I do not owe XXXX any amount of {$410.00}. 

I did not run up any balance of {$410.00} to the above named creditor, and I want this collection agency to cease and desist from contacting, and harassing me, or I will contact an attorney. 

I want Client Services Incorporated to remove any, and all collection information that they have placed onto my credit files, as well as their company files. 

Any communication from this company is to go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed any, and all derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state, as well as I would like for them to provide their license numbers, and Registered Agent documentation.
Product: Credit card or prepaid card

Today I received an automated collections call from Citibank attempting to collect a payment on a card that 1 ) i have never used and 2 ) per my last CFPB complaint i was assured that the ONLY card that I had left open with citi was the mastercard ending in XXXX. 

Furthermore - When I log into my citi account, there is NO mention or reference to any card OTHER than the one ending in XXXX. 

When I spoke to a customer service representative, they said oh this other card isn't registered online. Well, there is no way for a customer to register a card online. 

When you have a banking relationship - all of your accounts should be loaded onto that servicing platform. 

This seems like a very deceptive banking practice. I do not owe an annual fee on a card that I not only havent used but requested that only XXXX be left open. 

I have an outstanding credit left on this card ... this card has a {$450.00} a year fee - why am i also being charged another XXXX fee on a ghost account? 

This is totally unacceptable. 

XXXX XXXX
Product: Debt collection

I received a call from  XXXX   XXXX  of  Global Trust Management  today stating he previously left a mesage with  XXXX   XXXX  in regards to the debt. I explained that I had not receieved any message. He then wanted me to provide my date of birth, I told him due to the amount of identity fraud I refuse to identify any information and all communication should be through the mail. He stated he needed to verify my identity before discussing the debt. I again refused and asked him to send all correspondence through the mail. He stated the address and I said yes send all replies via mail. He then proceeded to discuss a debt stating I do n't have a paid in full letter and he is reaching  out one last  time before he decides what to do with it. I have heard nothing from this company or gentleman nor have I received correspondence un the mail in order to dispute. He then became belligerent at which time I disconnected the call.
Product: Checking or savings account

I contacted N26 in XX/XX/XXXX to inform them that my brother, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am XXXX XXXX and I am the administrator of his estate. After a month of waiting, I received an email in XX/XX/XXXX indicating that the bank was directing my request to the appropriate area. From XX/XX/XXXX until XX/XX/XXXX, I have had a lot of back and forth via email with this bank about closing my brother 's account ( see attached emails ). I have sent the requested paperwork but the response has been slow. I get emails indicating that because the bank no longer operates in the USA that the closure process takes a lot of time. I have been waiting and waiting, and have sent emails periodically asking for the status. I got emails saying that they mailed letters to me regarding my brother 's account, but I never got them. They finally sent some bank statements to me, but not the check. The bank informed me that they had sent a check to my brother 's last known address but it was never cashed. That was six months later in XX/XX/XXXX. I sent new instructions on XX/XX/XXXX and asked for an email confirmation that the documents were received. Now I am getting emails from the bank with a rude tone suggesting that I am contacting them too much! I started this in XX/XX/XXXX and still do not have my brother 's funds. The bank first stated that they could send a check, and then XXXX weeks later they tell they can't send a check. They want to deposit the funds via XXXX but didn't send the specific information that they needed from me. At this point, I must make a complaint because this bank is giving me a lot of attitudes now. I have given this bank plenty of time to close this situation out. Even though the are not in the XXXX, this matter involves their business when they were still operating here. I want to file a complaint about N26 because 1 ) they have not responded in a timely manner, 2 ) are still holding on to my brother 's funds, and 3 ) claiming the delay is because they are in XXXX, and 4 ) are now saying that I am now the reason for delay because I have sent emails to them. No way should be taking NINE MONTHS to get {$120.00} back from these people. Please see the attached emails. Accounts that are held in the name of a deceased party should be handled in a timely manner. I gave them full instructions on what to do, and they have asked me for the information TWICE. This situation is causing a lot of mental distress, and the fact that their representative is emailing me from XXXX, after XXXX months of waiting ... is a bit ridiculous for a financial institution. It does not appear that they are operating ethically with this USA-based account.
Product: Credit reporting or other personal consumer reports

For well over a year now I have called XXXX about my credit history. I have no credit never used my credit. Now that I need to get credit I can't because of someone else 's accounts placed under my information.
Product: Checking or savings account

Citibank closed my account and is holding all of my money with no explanation. They locked my account three times while I was trying to transfer funds to my main checking account at XXXX bank. I was using the funds transfer buttons on Citi 's website to do this. My first ACH transfer went through after being locked out twice in the process. I intended to close my account since they kept locking it for no apparent reason. So I tried to transfer the remaining funds to the same XXXX account, which locked me out a third time. I called the bank and was told that I had no phone number on file that third time, which is strange, because I had gotten codes to unlock my account using my phone number the previous two times. I was told to wait on a code in the mail for security purposes. They also mailed this code to my former address, XXXX XXXX XXXX, XXXX XXXX XXXX  where my ex husband lives, and whom I left XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was an issue to get that code, but I got it. Once I called back with that code, I was told that they could no longer service my needs and that my account would be closed. No other explanation except, go to a bank branch and they may be able to explain further, but I would not be able to withdraw my money there. The closest bank branch is over XXXX miles away, so that's not really an option. I am expected to get a check for " what they deem to be my money '' in XXXX to 60 days. I'm a recently divorced single mother with a single income, and I have bills to pay. I can't wait that long. I'm on government assistance and barely making it. I'm probably going to get evicted from my home because of this. They are holding hostage over {$1800.00} of my hard earned money. {$300.00} of that was a bonus from opening the Citi account and fulfilling the requirements. It's the only reason that I tried out this bank. I didn't know how far away the closest branch was when I opened it.
Product: Credit reporting or other personal consumer reports

I am disputing the negative and derogatory information on my credit report under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], and the Uniform Commercial Code ( UCC ) 3-501. These inaccurate and unverifiable accounts have resulted in credit denials, higher interest rates, and financial hardship, warranting both removal and compensation.

I filed disputes and verification multiple times over the past years and it just gets closed out I never recieved proof valid debt.

Legal Basis for Dispute & Compensation Demand : Lack of Proper Verification : I request the original contract with my wet-ink signature proving my agreement to these debts. If the creditor can not provide this, the information must be immediately removed.

Violation of UCC 3-501 : If any entity claims I owe a debt, they must produce the original, legally binding instrument of indebtedness. Failure to do so renders their claim
invalid.

FCRA Noncompliance & Financial Damages : Under 15 U.S.C. 1681n, knowingly reporting false or unverified information is a violation, making the reporting entity liable for damages.

Demonstrable Harm Due to False Reporting : I have suffered loan denials, increased interest rates, and financial losses directly caused by these inaccuracies. Per the FCRA, I am entitled to monetary compensation for these damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX  XXXX  Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX Account Number : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
XXXX  XXXX  XXXX  XXXX. This doctor is charging me for services for braces that my child never received. 
Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
XXXX XXXX XXXX  XXXX  XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.
Product: Mortgage

My loan was transferred to UWM loan servicing. There was a problem with the first payment being processed between the servicer and my bank. The servicer never contacted me by email or phone. When I went to make the following payment I realized the payment wasn't processed correctly. I then made XXXX payments at once to get the account satisfactory. Under the law I'm granted a 60 day grace period from being reported late or incurring any late fees. UWM continually reports me 30 days past due to the credit bureaus. They refuse to update my account to current with no late pays. I have made several attempts to work with UWM servicing to get this rectified. Please work with them to get my payment history reported correctly.