23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is in reference to XXXX XXXX. This account still reports inaccurately on my credit report. In the midst of the challenging XXXX pandemic, I found myself on XXXX, undergoing dialysis, and facing reduced household income. I reached out to XXXX, seeking a hardship plan for my credit card. They offered a solution : close the account and repay the balance in monthly installments. As long as I made timely payments, my credit wouldn't suffer, though a late fee would apply for any missed due dates. I missed XXXX due date in XXXX leading to a {$75.00} fee but I paid it in XXXX weeks, avoiding a 30 day lateness. It was due on XX/XX/XXXX, I made the payment on XX/XX/XXXX. I made XXXX payments on this date, I will clarify later in this dispute. 

Despite diligently adhering to the agreement and making every payment, my credit report told a different story. It falsely indicated missed payments, leading to late fees and a damaging charge-off status. Unaware of this discrepancy until XX/XX/XXXX, I was shocked and dismayed. In a state of panic, I repaid the debt in full, fearing further repercussions. 

Upon closer examination of my credit report, the inaccuracies were glaring. It showed no scheduled payments throughout the year, except for a single {$45.00} payment in XX/XX/XXXX, which was actually the final {$53.00} payment I made to fulfill the agreement. The report also wrongly stated a consistent balance of {$250.00}, despite the balance decreasing with each payment. 

My monthly due date was the XXXX. I paid {$35.00} in XX/XX/XXXX. In XXXX I paid {$25.00} after the due date causing a {$75.00} late fee. I paid it on XX/XX/XXXX, XXXX weeks later avoiding a 30 day lateness. On that same date I paid another {$25.00} for XXXX upcoming payment. In XXXX I paid {$50.00}. In XXXX I paid {$65.00}. In XXXX I paid {$72.00}. Finally in XXXX I paid {$53.00}, the final and last payment. I paid {$320.00} in total on the {$250.00} balance + {$75.00} late fee, satisfying this debt. 

I have meticulously documented every payment, with bank statements serving as irrefutable proof. Yet, XXXX 's reporting remains erroneous, casting a shadow over my financial well-being. This ordeal has led to unjustified credit denials, higher interest rates on approved loans, and immense stress for my family. 

I've reached out to XXXX repeatedly, hoping they would rectify this mistake. However, they have failed to take accountability, leaving me to bear the burden of their error. This situation is not only unjust but also a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I urge you to carefully review the attached evidence and correct this grave injustice. Removing the inaccurate XXXX account from my credit report is not only the right thing to do but also a necessary step in restoring my financial standing and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

The alleged debt was paid in full In accordance to cfr XXXX. This was a credit sale, I am aware this is a negotiable instrument evidencing the debt arising from this consumer credit transaction. This debt was paid in full at signing of the debt, yet you are trying to charge me XXXX. Deceptive collection practices is what your doing and many other violations. Me, the debtor have the right to bring any claims and defenses against any holder of this instrument at any time. 
16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit card or prepaid card

This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$3900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$3900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$3900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you
Product: Mortgage

We fell behind in our mortgage 3 months and applied for a modification with our bank. During the modification process our bank sold our loan. The process then began all over again with the new servicer. We were never approved, and never given a satisfactory reason as to why. However the assignment of mortgage to the new lender is fraudulent. ( Copy attached ). The issues with the assignment of mortgage are as follows. PNC Bank , National Association XXXX XXXX XXXX XXXX is not correct. PNC was successor by merger to XXXX XXXX who was successor by merger to XXXX XXXX XXXX. The said mortgage amount assigned states {$390000.00} which in fact it was {$160000.00}. There was no mortgage with that document number recorded in XXXX County at that amount. ( Copy of note attached ). The person signing over the assignment who 's name is XXXX XXXX, Vice President had no authority to do so until almost a year later. ( Limited power of attorney attached. ) Also I 'm attaching Forensic Loan Audit showing the break in the chain of title. This is wrong in so many ways and I want this cleared off the title and I want an explanation from PNC as to why they fraudulently sold my home and evicted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I am submitting this complaint for myself. I have been disputing a public record for several years. The agencies continued to send back a verified status on my reports. A bankruptcy has been showing on my reports stating verified with LEXISNEXIS. A letter to LexisNexis was sent certified mail/USPS on 9/20/21. The letter states that theyre in violation of my consumer rights according to U.S Code 1681a ( 4 ) - Consumers Right to privacy. This company hasnt verified any of my information to ensure its accuracy. Furnishing both personal or public information has been detrimental to my well being. As well as U.S.15 1681b ( a ) ( 2 ) -Permissible Purpose. LexisNexis never had my written consent to furnish any of my information. According to USPS tracking my letter has been received.
Product: Credit card or prepaid card

I submitted an application for a Best Buy Credit credit card in-person during XXXX XXXX, to take advantage of sales being offered, on XX/XX/XXXX. 

I was informed by a letter dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX, from Best Buy Credit Credit Services that my credit card application was denied for the reason : * Too many credit bureau inquires it also identified Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, as the creditor. 

I received a letter on today dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX from Best Buy Credit Services stating that : Dear XXXX XXXX XXXX, Why we 're writing you : Thank you for your recent credit card application. We would like to process your My Best Buy Visa, Platinum, My Best Buy Credit Card Preferred, and My Best Buy Visa Gold application, however, it is incomplete or a part of it is illegible. 

Here 's what you need to know To continue processing your application, please provide us with the requested information below : * The name you would like to appear on your card How to contact us Pleas take a few moments to contact us at the phone number listed below to provide the required information to complete the application processing. If we do not receive a response from you within 15 days of the date of this letter, we will be unable to give further consideration to your request for credit and will consider your application withdrawn and declined. 

Thank you for giving us the opportunity to be of service to you. We look forward to hearing from you soon. 

Sincerely, XXXX, Credit Review Phone : XXXX TDD/TTY -Hearing or Speech Impaired : XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX. ET NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the the basis of XXXX, XXXX, religion, XXXX XXXX, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. the federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX, XXXX. Washington DC XXXX. 

The creditor is Citibank, NA., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , SD XXXX. Please direct any questions to the return address on this letter. 

Time Is Limited, Please Contact Us Immediatley.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the

results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, XXXX and Equifax and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was called by the customer service number on the back of my debit card. Caller ID confirmed that bank of america was calling me. The person on the line put me through the exact same verification process that Bank of America has used in the past to verify my identity. I've been told since this scam happened that Bank of America will not call if there is an issue. I was never told about this change in policy. I was also unaware that someone could call me from a phone and make it look like it was coming from another number. The person on the other line had my email address and knew specifics about how much money was in my bank account. They convinced me that someone was actively trying to wire transfer money from my account. They seemed to have access to my online banking. They told me that they were setting up a proxy page where I was to agree to a wire transfer but that it wasn't real and this would reveal the individual trying to take the money out of my account. At some point I received an email where I was to decline a wire transfer for {$48000.00} but I got confused by the wording both in the email and on the mobile app and I approved the transfer, not thinking it was permanent. I thought I had to go into the bank to complete a wire transfer or that I would at least have spoken to someone at the bank. Bank of America 's investigation into this matter completes in XXXX. I have filed a police report and a report with the FTC. The money was sent to a XXXX XXXX XXXX XXXX and the recipient was clearly a fake name " XXXX XXXX ''. I have filed a report with both the FTC and a police report but I don't have access to either report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XXXX I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile. 

My Perkins loan through XXXX / XXXX XXXX did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX  when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance. 

I request to have this inaccurate information reviewed & rectified to show current account standing & balance.
Product: Debt collection

XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full with different address than XX/XX/XXXX XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full Never have received any validation of the debt or any signed contracts from myself and the collection agency, or from the original creditor, XXXX.
Product: Checking or savings account

I have had this account for several years with Chase. I opened it when I lived in the USA and I kept it open when I came back to XXXX, because it was free of charges. I've never paid any fee. 
A couple of months ago I received an email from Chase telling me that they decided, unilaterally, start charging me XXXX dollars per month for my account maintenance, which is an invitation to leave. I don't live in the USA, I don't have an income there, so it's impossible for me to reach any of the conditions required to avoid the fees. 
I assume that Chase is allowed to change the conditions to their clients, but they should give us an exit way free of charge. In this sense, I'm asking Chase to agree a solution of the problem in one of the following ways : ( 1 ) I close the account and they send me the funds to XXXX, paying all the costs associated with the transference. We finish our commercial relation and I keep my money unaltered. 
( 2 ) I maintain the account open, and they waive the charge of fees. 
They denied both and they are forcing me to either, pay the maintenance fee or paying the costs of transferring my money to XXXX to be able to close the account. 
I dont agree with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax received my certified letter to investigate collections accounts on my credit report, to verify validity, provide original creditors, person contacted for validation etc. to date I have never received any information from Equifax. In fact it has been almost 60 days and my accounts say under investigation. The fair credit act states if the debt can not be validated in 30 days they must be removed. 
Also common wealth is a third party collection company who has sold the debt. The credit laws state old debt collections must be removed when requested by the consumer. I have requested this be removed, with no response or removal. I had several hard inquiries on Equifax which I did not give approval for. I requested in writing these inquiries be removed. To date they remain on my credit report from Equifax. 
Equifax has all the wrong balance ps on my open accounts. My credit score has not changed from Equifax in months. The Equifax credit score is over 100 points lower than my other credit reports from XXXX  and XXXX. 
This is causing me unfair and unnecessary financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been identity theft and they refuse to lock report, the inquiries are all fraudulent, Experian keeps selling and allowing my report to be pulled. There should not be any inquiries hard or soft. Every time I look there are new inquiries that are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX having hard inquiries dont know where they came from