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

I have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX EQUIFAX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, Equifax, XXXX have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - Equifax shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX NOT MORE UPDATES, REMOVE LATE PAYMENTS OR REMOVE THE ACCOUNT
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inadequate Investigations by Credit Reporting Agencies To Whom It May Concern, I am writing to formally express my concerns regarding XXXX, Equifax, and XXXX  failure to properly investigate and address inaccuracies on my credit reports. Their actions, or lack thereof, have caused significant harm to my financial well-being, and I believe they have violated their obligations under the Fair Credit Reporting Act ( FCRA ). 
I disputed the following inaccuracies with XXXX XXXX including accounts that incorrect balances, or inaccurate personal information. I provided substantial documentation to support my claims, including credit report. Despite this, the agency failed to conduct a thorough investigation, as required by law, and the errors remain on my report. 

This lack of accountability has severely impacted my credit score, hindering my ability to secure a loan, obtain a mortgage, etc. Additionally, it undermines the trust consumers place in these agencies to handle their financial information accurately and responsibly. 

I am aware of the Consumer Financial Protection Bureaus ( CFPB ) involvement in addressing such systemic failures and lawsuits against these credit reporting agencies for similar violations. I am requesting the CFPBs assistance in ensuring these errors are corrected and that the agencies comply with their investigative responsibilities under the FCRA.
Product: Credit card or prepaid card

I was going through my credit report & noticed there were couple of late payments listed for my 2 capital one credit cards which I wasn't made aware. I made payment on-time every month and i did not received any past due amount. 

Late payments listed below : XX/XX/XXXX -30 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX - 60 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX -30 days ; XXXX -60 days : XXXX -30 days Please kindly update those payment above to show paid as agreed. 

Thank you!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and noticed incorrect and inconsistent errors on my report. I am demanding an investigation on XXXX account # XXXX. XXXX is unlawful to have incorrect info on my credit report. Please fix or delete from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : 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: Bank account or service

Due to some financial difficulty I requested from USAA Federal Savings Bank relief on paying my credit card ( USAA XXXX XXXX Card XXXX ) and was granted a two year reduce payment plan were I would pay every XXXX of the month {$170.00} so I can get caught up with bills and not file for bankruptcy. I made payment on time ( through auto draft on my checking account ) until around XXXX 2016 when there was a possible fraud on my checking account. I requested USAA to change the bank draft withdrawal from my USAA checking account to my XXXX XXXX checking account ( Please see attached Letters from USAA ). USAA then withdrew {$170.00} from USAA checking account on XXXX XXXX, 2016 putting my USAA checking account on overdraft. USAA have already made the automatic payment out of my XXXX XXXX account on XXXX XXXX, 2016. I called USAA to ask why it happened and I was told that due to the automatic nature of the draft it was not stopped in time. I asked USAA on how this can be solve and I was told they would cancel the auto draft out of my USAA account and keep the XXXX XXXX auto draft. I was also told that the payment for XXXX XXXX, 2016 would then be applied for the XXXX 2016 payment. I was out of town last week and when I got home yesterday ( XXXX ) I received a mail from USAA ( see attached mail ) that I would be terminated from the program and have to make a full payment of my balance ( over {$17000.00} ) when I called the USAA customer service number. It will be impossible for me to make the full payment. I was hoping that the payment plan would help me get some break will I pay off my obligations. Also, my USAA XXXX card have a feature of cash back that I have over {$1000.00} in cash back that could be applied toward my balance which as of now I can not access. I am not asking for forgiveness for the credit card debt, it is my obligation I just need time to make the payments. Thank you.
Product: Mortgage

We recently completed a loan modification on XX/XX/XXXX which included calculations of escrow payments and detailed evaluation was completed prior to the loan modification being completed on XX/XX/XXXX. We initially turned our loan modification paperwork into Rushmore in XX/XX/XXXX and tax bills and insurance information was gathered by Rushmore and confirmed by both the XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who sent a bill to Rushmore Loan Management Services and information was readily available to underwriting during this 7 month period, prior to our final loan modification being approved on XX/XX/XXXX. Prior to the final loan modification being completed, we made 3 trial payments of $ XXXX and received a revised loan modification packet on XX/XX/XXXX which included our initial payment due on XX/XX/XXXX for {$4800.00}. We signed and notarized the finalized modification paperwork on XX/XX/XXXX and returned per requested by Rushmore LMS via the XXXX package provided. We were told this would be our new payment going forward. However, on today XX/XX/XXXX, we received a letter in the mail from Rushmore LMS stating our payment is now {$4900.00} which is a total Bait & Switch from the loan modification contract signed on XX/XX/XXXX. Also, as mentioned earlier and within the loan modification paperwork attached the principal, interest, escrows ( taxes and insurance ) were all part of the newly calculated payment of {$4800.00}. Therefore, our payment should not be going up this quickly after signing a loan modification with first payment due in XX/XX/XXXX for {$4800.00}. This is illegal bait and switch discriminatory and greed tactics exhibited by XXXX and XXXX XXXX XXXX XXXX. They are taking advantage of U.S. Veterans and XXXX Minorities. We just signed the paperwork and they are also causing haphazard misrepresentation and false advertisement regarding loan modifications.
Product: Checking or savings account

XX/XX/2020 I went to Bank of America in XXXX NJ to withdrawal from account number XXXX amount of {$780.00} from New York unemployed insurance direct deposit. But teller said she can't withdrawal the money. 

XX/XX/2020 Visit at Bank of America in XXXX NJ again and have conversation with XXXX XXXX Financial advisor. He contacted risk department over the phone and have them explained why i can't withdrawal my money and what happened to my accounts status that showing CLOSE without my permission and without notifying me before closed the accounts. 

She explained that because my accounts have several fraud claims recently and currently have claim number XXXX amount of {$480.00} ( ATM fraud ) claim number XXXX amount of {$490.00} ( Fraud cheque ). That happened because of identity theft and bank false to verify identity. Bank of America release the funds ( ATM withdrawal fraud ) before the cheque clean. 

She said that bank have to finish the investigation before do anything with the money that have left in my account and request me to fax the police report to XXXX. 

Before this situation happened. I have noticed Bank of America several time that my driver license, SSN card, my telephone number and many of my ID include Bank of America debit cards and credit cards have stolen. And i'm victim of identity theft. 

But Bank of America still false to make the solution to verify my identity and protect my accounts. As the result that my online banking account hacked for 3 time, 3 fraud cheque deposit, many unauthorized withdrawal and ATM fraud. While blocked me to access to my owned fund. 

Right now i can't provide hardcopy of police report because the NJ state police department that take care of issue report have closed because of COVID19.
Product: Debt collection

I am writing to you due to Huntington bank in Ohio, the manager was XXXX, the other person was XXXX. They both are located in Ohio would not tell me last names or which location. I had an old Huntington acct, with an XXXX negative bal, from a job loss I had last XX/XX/2021. My mother who is almost XXXX, had fraud on her XXXX _acct, 2 mos ago, to the amount of XXXX. It took me 5 weeks to get that money back, and I opened her a Huntington acct and closed her XXXX acct. 
Huntington took my debt from her new acct-without my knowledge. I am furious this is all the money she has, I agreed to set up time to right then in the phone from my other account at XXXX, they said no. This is ridiculous. She has only XXXX per minute from social security, thats it. I need those find out back to her account and I can set up the repayment of my negative balance.
Product: Credit card

I am writing to ( reopen/ appeal ) dispute a charge of XXXX XXXX of {$2200.00}, {$2600.00} to my credit card on XX/XX/23 and {$130.00}, XXXX and {$220.00} charged to my credit card on XX/XX/23. The charges are in error because I did not receive the items that I order. The items were not accepted when delivery company XXXX attempted to deliver the items since the items were 2 months late and were procured through another source. 
I object to Citi closing my dispute as per your last letter you were still awaiting a response from the vendor XXXX, who has not substantiated the charges on my account and havent sent me an invoice. The original date of dispute must remain and you must resolve my dispute within the 90 days from the original date of dispute as required by law. 
The referenced items Kitchen appliance package of refrigerator, dishwasher, range and microwave including 3 yr warranties for each were ordered on XX/XX/23. Delivery of the items were promised for XX/XX/23. I called XXXX customer on the evening of XX/XX/23 when delivery was missed. They offered a {$300.00} discount for the missed delivery and provided another delivery date. The next delivery date was missed, as well as the next two times. I filed a XXXX complaint, they provided numerous misleading reasons why the items werent delivered. As well as directing me to the delivery company XXXX whom informed me that they didnt have the items and to contact XXXX . Ultimately, I procured the items from another source with the exception of the refrigerator. 
I contacted XXXX via phone and email numerous times, I requested an invoice and refund. They advised not to worry they would issue the refund in 5-7 business days. After I exhausted all attempts to receive the refund, I filed a dispute with Citi for the charges on my credit card. 

Upon receipt of the dispute Citi issued a conditional credit for the disputed amount and advised they were waiting for a response from XXXX. In a letter dated XX/XX/23 Citi reversed the conditional credit and determined that I was responsible for the dispute amount because I failed to a prior letter. At no point did XXXX verify the charge or make contact with Citi. Citi reported the disputed amount to the credit Bureaus and my credit score was significantly impacted in a negative way. I responded with a letter via email on XX/XX/23 and XX/XX/23. 

I advised Citi that I'm confused as to why the disputed amount isn't conditionally applied to my account, I don't know what amount i'm responsible to pay and the harm done to me by the reporting of the erroneous debt to the credit reporting agencies. No relief was provided.
Product: Credit card or prepaid card

Chase Bank charged me {$66.00} in interest. This charged appeared on my XX/XX/2021 to XX/XX/2021 statement. I called them on XX/XX/2021 and asked why I was charged {$66.00} in interest. I told the representative that I always pay my balance in full every month. The representative was from outside the United States and could not or would not tell me exactly why Chase Bank charged me. I reapeated over an over this question and also tried asking in different ways why I was being charged. Over an over the representative could not or would not explain exactly why I was charged {$66.00}. 

I then just asked the representative to reverse this interest charge. He refused and said the bank has a policy to refuse request 's to waive interest. 

I am disputing this charge entirely. I pay my entire legitimate balance every month so I should not have any interest charges. 

Please investigate my complaint
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income and according to the fcra income can not be reported on a credit report. I'm requesting a 1099-C cancellation of debt from the following charge-off accounts listed below.ACIMA DIGITAL FKA SIMPAccount number XXXX after checking my most current report the updated information stated the account was purchased by portfolio recovery associates this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form PER Arkansas Fair Debt Collection Statute A.C.A. XXXX THE CONTRACT IS TIME BARRED AND SHOULD BE DELETED AS 5 YEARS HAS PASSED FROM XX/XX/year> NO COMMENTS LISTED TO PROVE ACCOUNT HAS BEEN DISPUTED BY ME EITHER. 

IVE INCUDED DOCUMENTS TO FIND ACCOUNT AND FOR MY IDENTITY. IM ALSO AN IDENTITY THEFT VICTIM AND ACCOUNT IS A ACCOUNT I HAVE REQUESTED TO BE REMOVED AND OR BLOCKED I CANT RECOGNIZE THE ACCOUNT AND HAVE TRIED AND TRIED TO HAVE THEM REMOVE ACCOUNT. THEY CONTINUE TO NOT PROVIDE INFORMATION. I HAVE SUBMITTED PAPERWORK AS LAW REQUIRED AND WILL NOT SUPPLY ANY MORE DOCUMENTS BUT I DO REQUEST FOR THEIR LEGAL CONTATC TO FILE MY SMALL CLAIMS COMPLAINT WITH THE COURTS IN XXXX XXXX.
Product: Credit reporting

Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX XXXX acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXX XXXXXXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Product: Debt collection

Dear Sir/Madam,. XXXX XXXX XXXX Credence Resource Management ; I recently reviewed my credit report and discovered an account attributed to your company that is entirely fraudulent. I have never had any relationship or contractual agreement with your company or XXXX XXXX XXXX, nor have I ever resided at the address associated with this account. I have lived at my current address in Massachusetts for the past 20 years and have not moved out of state during this time. 

It appears my personal information may have been incorrectly associated with this account or possibly mixed with someone elses. I respectfully request that you conduct an internal investigation to verify this claim and immediately remove this account from your records. Additionally, I request that you notify all credit reporting agencies to delete this account from my credit report, as it does not belong to me. 

This situation has caused significant stress, financial hardship, and denial of credit, all due to an account with which I have no connection. Your reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To validate this account, I formally request the following documentation : Proof of your authorization to collect on this account under 15 U.S.C. 1692e and 1692f. 
The legal basis for your collection efforts, including applicable statutes. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including a contract or agreement bearing my signature. 
A complete account history, including all charges, fees, and payments. 
Under FDCPA 1692g ( b ), you are required to provide this validation within 30 days of receiving this letter. Failure to do so will result in the account being considered invalid. Furthermore, any non-compliance with FDCPA 1692d, 1692e, and 1692f will be regarded as unlawful conduct. 

Additionally, under the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), if no evidence is provided within 30 days, I will presume no debt exists and demand the immediate removal of this account from my credit report. 

If this matter is not resolved promptly, I am prepared to escalate this issue by filing formal complaints with relevant regulatory agencies in your state, FTC... etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX
Product: Mortgage

I 'm currently in an active foreclosure and fell behind in my payments. So far it 's about {$60000.00}. I 'm waiting on additional income to come in so that I can become current with my mortgage. There was an unexpected retirement I had to put in for due to medical reasons. This is my primary residence and I have no other place for me or my son to live if my home is foreclosed on.