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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Balance : {$4100.00} DEPTEDXXXX XXXX Balance : {$3000.00} DEPTEDXXXX XXXX Balance : {$3900.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$3800.00} DEPTEDXXXX XXXX Balance : {$5000.00} DEPTEDXXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX, Synchrony Bank reduced my credit limit from {$400.00} to {$160.00} damaging my credit on the Amazon Store Card, stating among other issues, that I did not have property to secure a loan. I own property under my name at XXXX XXXX XXXX, XXXX, Louisiana XXXX. Synchrony can not continue to reduce credit lines and harm an individual 's credit. Furthermore, Synchrony states in their letter that the report is from XX/XX/2024 but my credit score has not changed. In fact, I was approved for a Home Equity Line of Credit from another company. 
By Synchrony reducing credit lines, they are damaging credit reports of millions of individuals and this must stop.
Product: Debt collection

I received a letter dated XX/XX/XXXX from XXXX. to collect a debt from Toyota Motor Credit on a XXXX. The XXXX account number ended in XXXX for client account number ending in XXXX. The payoff amount was {$10000.00} for a car that my ex-husband had retained in the divorce and had eventually been repossessed. This was a debt that I did owe because I was on the car loan as well. 

I contacted XXXX and settled this debt on XX/XX/XXXX with XXXX at XXXX for {$6300.00}. I have the confirmation letter dated XX/XX/XXXX from XXXX. stating these terms and the letter dated XX/XX/XXXX from XXXX stating the debt had been released. It reads " As per your request, we wish to advise you that your account with the above referenced client has been satisfied. On behalf of TOYOTA MOTOR CREDIT and XXXX., thank you for satisfying your account as agreed. This is a communication from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. '' Everything was good until I received a letter from XXXX . postage stamped XX/XX/XXXX and dated XX/XX/XXXX trying to collect on the remaining debt that had already been settled through SRA Associates , Inc . This letter is for XXXX # ending in XXXX on the same XXXX with an account balance of {$4000.00}. Now, if you are following along you would know that the beginning debt balance of {$10.00}, XXXX minus the settlement amount of {$6300.00} ( that Toyota settled with me through XXXX . and released me from the remainder of the debt ) equals {$4000.00}. Toyota has pushed my account out to ANOTHER agency to settle the remainder of a debt that they have ALREADY released me from. This is a violation of FDCPA. They are not allowed to collect on a debt that has already been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED ACCOUNTS WHICH IS CAUSING EXTREME DAMAGE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices.

Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, Experian, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Pursuant to the fair debt collection practices Act XXXX United States Code 1692. Once the original creditor sells my debt to a 3rd party debt collector without my permission. I no longer owe this debt.
Product: Credit reporting or other personal consumer reports

Hey I look at my credit report and seen inaccurate and incorrect information on my credit report. Its two account that showing old information and out dated information. According to the fcra and truth and lending act. These accounts have violated my rights and also violated my privacy rights and should be removed and deleted from my report. Its stopping me from helping my family and I would like these account be deleted immediately. Us code 1681 and us code 1682 ( b ). 15 us code 1692 ( e ) has violated my rights. 15 us code 1681 ( e ) has been breach off the laws and by all rights should be in place. After 7 years account should be deleted by law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was charged for XXXX payments made on XX/XX/2022 because I placed a second order after Chime notified me that my first payment was declined ( it was not ). The XXXX payments were {$2800.00} XXXX  and {$2700.00} XXXX issued to XXXX XXXX through XXXX. I then issued a chargeback and was contacted by the merchant that he would issue a refund for the extra payment and that I could cancel the chargeback. I have received the refund of {$2800.00} XXXX  from the merchant on XX/XX/2022, which was transferred to my Chime account on XX/XX/2022, but I was later notified that Chime issued a chargeback on the second payment on the merchant, which has not been shown anywhere on my account. The merchant has confirmed with a XXXX investigation that Chime has charged him for both payments, and after many rebuttals I received an email on XX/XX/2022 from Chime that they have made an error and that the merchant issued a refund to me on XX/XX/2022, which is not shown on my account. After making a phone call on XX/XX/2022, I was told that my credit would be issued by XX/XX/2022 and I should call them if I have not received the payment by then. On XX/XX/2022 I made another call to receive an update on my payment, and was notified that my dispute was declined and needed to be escalated ( which is not shown on my email update which confirms that Chime has made an error ). After emailing Chime 's support on XX/XX/2022 after the phone call, I was informed that the dispute was declined, which is contradictory to previous updates. Not only have I lost money due to the currency exchange, but Chime has been withholding the money charged back from the seller ( {$2700.00} XXXX  ) for over 2 months and is refusing to provide me additional updates via phone ( every time I have been told that they will escalate the case, which has not happened ). None of their investigations include any evidence that I have received XXXX refunds from the seller, as they decline my dispute based on receiving XXXX refund ( both payments have been taken from the seller, and only XXXX has been received by me ).
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a Forbearance with Flagstar Mortgage. My husband passed away and he was the primary income source and applicant on the mortgage. Now that my husband is died I no longer can afford the mortgage. I only get a small social security retirement payment and its not enough to pay the mortgage. I listed the house for sale and simply asking for a forbearance until I sell the house 4-6 months. The mortgage company declined my request. How heartless can they be not to provide a much needed forbearance due to my husbands death. I will never work with Flagstar Mortgage again.
Product: Debt collection

Columbia debt Recovery did not inform me that I owed a debt. This was a {$130.00} charge that I sent a check for but I assume the check was lost because Columbia Debt Recovery was contacted and reported a collection to credit accounts without my knowledge. They never sent me warning about this.
Product: Mortgage

My current mortage that is held thru Specialized Loan Servicing has a previous ballon payment that was done as a loan modification with XXXX XXXX XXXX XXXX my understanding of this modification was that it would reduce my payment an add 10 years to my mortgage Specialized loan Servicing has this amount listed as a ballon payment that will be due at the end of my Loan but continues to add this amount to my current principlae balance on my credit reporting making it look as if in the last 13 years I have only paid 4 % of my mortgage this is greatly reducing both my credit score and my credit utilization. I have made several attempts to coorect this with both the Company as well as the Credit reporting agencies to have it corrected for one month and then go back to reporting incorrect. The other question i have raised with Specialized Loan servicing is the amount of money that is being appled to my principal balance each month last month a payment of XXXX only XXXX was applied to my current principle balance after 13 years of paying on this mortgage my amooriztion should be higher than this. When i questioned this I was told it was because of the loan modification that I did this dosent seem accurate to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Account # 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: Debt collection

I am being sued in XXXX by Calvary portfolio XXXX but I can not find the debt at all on my credit reports and if it is my debt its not in Florida its Georgia and I have never received any notice of the debt
Product: Mortgage

I have a home loan mortgage with Wells Fargo mortgage. On XX/XX/XXXX, I was laid off from my job and I contacted Wells Fargo to tell them I would be late and the XX/XX/XXXX payment. 

Wells Fargo offered me a month-to-month deferral up to six months if I was still laid off. I paid one of the payments during the six months and started a new job on XX/XX/XXXX. 

Wells Fargo offered me a new restructured payment schedule for my Mortgage stated that everything was OK and I did not have to make a payment until XX/XX/XXXX1. They stated that my XX/XX/XXXX payment was OK I didnt have to pay Wells Fargo offered me a new restructured payment schedule for my mortgage stated that everything was OK and I did not have to make a payment until XX/XX/XXXX. They stated that there was no payment due on XX/XX/XXXX. 

At this point, I thought everything was taken care of. And XX/XX/XXXX, I noticed on my credit report that they submitted that I was five months in arrears on my mortgage payment. That is incorrect on XX/XX/XXXX, I was not in any arrears we made an agreement to refinance these payments. 

I contacted wellsfargo and they state that this is all my fault they reported every single month that I was behind in payments not just the one. If this is correct from them why was it not on my credit report? I was denied the right to fix this situation without it going more than one month in arrears. I couldve sold stuff I couldve gone into my 401 ( k ) I could have done something if I was alerted that my credit report was being negatively affected. I was denied this right to save my credit. 

They are blaming this on the credit reporting bureaus. They stated that during the six months the credit reporting bureaus regard this as a hardship deferral or something like that. If this is true why would a 5 month late report be entered AFTER this was all taken care of.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. XXXX that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am submitting this complaint against Cash App due to its extremely neglectful practices by not offering protection towards transactions. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX  I want the CFPB to publish this
Product: Mortgage

Multiple customer service requests to pay hazard insurance premium through escrow account. Mr. Cooper will not make the payment to XXXX after each request. They have all of information and all of the power to make sure their loan and my home is protected, yet they fail to make the payment after every time I request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is making me very angry and the fact that you are trying to get away with criminal activity makes me take your agency to the media. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Equifax is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Equifax also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof XXXX broke the law several times and is getting away with criminal activity. The agency is also practicing aggravated identity theft as they are listing information from a company I don't have a contract with nor did I give consent to have my identity. DO NOT take this as a dispute. I am exercising my rights and if you send this demand through a computer, you are practicing criminal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So my problem is with Discover Credit Card XXXX. I really feel like they're intentionally trying to get my application declined and i feel like its because of my race. My credit score is well over the required score and still they are giving me the complete run around. They are intentionally trying to drop my credit score y giving me a bogus excuse as to why i have to give them a call back, but every time i call back they are giving me a hard inquiry on my XXXX. The excuse is my phone number hasnt been updated with experian. I updated my phone number with experian the first day i was notified by discover that it needed to be updated. i received an email from XXXX the same day stating my personal info was updated, but yet discover keeps giving me the excuse that my phone number hasnt been updated. Now when i call they give me the excuse that their system is updating and to call back in 48 hours. But they only tell me this AFTER theyve pulled a hard inquiry. So what they're doing is they're deliberately trying to keep giving me hard inquiries until my score no longer qualifies me for a line of credit so they can decline my application. This is not fair and i feel like its definitely XXXX. So many of our financial instituations are declining minorities for lines of credit during these times and its unconstitutional. Something has to be done about this immediately. I know im not the only one experiencing this type of discrimination.