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

I am filing this complaint against XXXX XXXX and the credit bureaus Experian for reporting inaccurate, inconsistent, and unverifiable information in my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question has multiple discrepancies across the three major credit bureaus : Inconsistent account details : XXXX XXXX Experian report the account opened on XX/XX/XXXX, but XXXX reports XX/XX/XXXX ( discrepancy ). 
XXXX reports " XXXX months '' as the loan term, while Experian XXXX XXXX report 72 months ( inconsistent ). 
Incorrect balance reporting after repossession XXXX XXXX XXXX repossessed my vehicle on XX/XX/XXXX, but has not yet sold it. 
Despite this, credit bureaus continue reporting a balance, violating UCC 9-610 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to update the dispute status : XXXX marks the account as disputed, but Experian XXXX XXXX fail to mark it as disputed, violating 15 U.S.C. 1681s-2 ( b ). 
Misleading reporting affecting my creditworthiness : Experian reports " Voluntary Repossession, '' while XXXX lists " 120 Days Late. '' This contradicting information violates FDCPA ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations in credit reporting. 
Failure to notify all credit bureaus of corrections : If the account is corrected or removed by one bureau, XXXX is legally required to notify the others under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), which they failed to do.

I have disputed this information with the credit bureaus and XXXX XXXX, yet they failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i. Their failure to verify, correct, or remove the inaccurate data has resulted in damages to my credit profile, affecting my ability to secure financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about of the identity theft. 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, remove the noteworthy of any items in my credit record that came about due to an alleged fraud. 
XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

IC Systems failed to mail me a Dummy letter. Under FDCPA that is a violation and they can no longer collect on the debt. I want the debt gone and off my credit report. They ca n't report a Debt on a credit report if I did not recieve a dummy letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX ,  XXXX   or Trans Union  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Product: Checking or savings account

Bank of America allowed a scammer to take my unemployment benefits of over {$13000.00} dollars in 2020 in two separate ATM withdrawals. I have filed a police report, proven it was not me that did these transactions and filed several claims with them only to be denied over 5 times with them saying that they made the correct decision in denying the claim. I am in dire need of these benefits to get back on my feet as I have lost everything due to this error.
Product: Credit reporting

This judgement has been vacated and needs to be deleted from my report immediately
Product: Credit reporting or other personal consumer reports

My loan was serviced by Nelnet briefly. It was then transferred to XXXX for servicing and eventually the balance of the loan was forgiven under the federal governments public service loan forgiveness program resulting in a zero balance. Nelnet is falsely still reporting the account as if they have the account and more significantly is reporting a balance when there is no balance. I owe zero yet nelnet is falsely claiming that i owe over {$110000.00}. They are also falsely reporting this account as open when that is also a lie. Nelnets own website shows the loan paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE 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. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$280.00}
Product: Credit reporting

I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.
Product: Credit card or prepaid card

On a shared credit card with myself and my XXXX there was accidental charges on a vacation overseas as 53rd now has designed their debit cards with a near identical design as their debit cards. As a result several XXXX dollars were charged on our credit card we had never used in the XXXX years we had it. This card was not linked to our online banking, which is how we do all our banking and bill paying. Despite being told by multiple people at the local branch, it is standard practice and policy to have all the accounts a client has under XXXX login profile, after XXXX visits there and several hours they were able to link it. This was after they reported missed payments to credit reporting companies, dropping my credit score over XXXX points from around XXXX. This will cause SIGNIFICANT financial hardship in extra cost of borrowing for future mortgages and loans, based on a missed {$600.00} payment I was not aware of, of which was paid in full the same day I was made away of it, not from 53rd but a credit alert from XXXX XXXX. By the time I was alerted of this, 53rd refused to correct this on reporting despite over XXXX years of on time payments and this being a result of a glitch in their technology ( which they actively push everyone to use ). This glitch in their technology is written off by them by saying they mailed statements, of which I have no confirmation we ever received, and their next measure was to have a XXXX party agency call my cell phone and demand I give them my Social Security and other personal information BEFORE they could give me any details on who I was giving this information to or what it was regarding. I think anyone with a hint of good personal security procedures would find this a grossly negligent method of attempting to alert a customer of a balance due that results in 53rd likely gaining extra interest and fees through a knowingly inadequate and dangerous method of collections.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> was my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Checking or savings account

BANK OF AMERICA has shut down my personal checking account and credit cards without consent. BANK OF AMERICA has caused me alot of harm because there was a fraudulent debt collector who was collecting about {$60.00} from me weekly so I disputed it with BANK OF AMERICA and they credited me the amount that was taken. The fraudulent debt collector sent BANK OF AMERICA a fraud copy contract which is not sufficient evidence of alleged debt according to 15 USC 1692g and BANK OF AMERICA reversed the credit they gave me putting my account in the negative. Because my account went negative even though I tried to pay my account back to a positive balance BANK OF AMERICA has closed my personal account and personal credit cards causing me to lose money and causing me a lot of harm mentally and physically. BANK OF AMERICA has discriminated against me by denying me my right to credit according to 15 USC 1602f. BANK OF AMERICA is in violation under 15 USC 1602p for using my credit card to where I receive no benefit because I have been abused by BANK OF AMERICA. I have lost sleep i feel abused, abandoned, forgotten, not taken seriously, and extremely violated even though I have tried to settle the matter. BANK OF AMERICA has not responded to my affidavit so there defaulted and know they are operating in BAD FAITH and have performed consumer misconduct. This ill will act from BANK OF AMERICA has caused me to lose faith in the banking system and I am no longer willing to extend my credit.
Product: Credit reporting or other personal consumer reports

I have found errors on my credit report that are covered under 15 USC 16c-2. This incorrect information is adversely affecting my creditworthiness.
Product: Vehicle loan or lease

Prestige Financial Services debited {$440.00} out of my XXXX Bank Checking Account in ending # XXXX on XXXX XXXX, a arrangement and agreement was made between me and Prestige in writing about the XXXX XXXX auto loan payment to be included on the agreement Extension. 
Payments of {$440.00} was supposed to be implemented on XXXX XXXX and continuing payments on time. 
On XXXX XXXX around XXXX as I received a email alert from XXXX on issues and I made contact to XXXX bank and explained to XXXX  Rep on issues and filed a claim. 

Also on arrangement contract on my Auto Loan with Prestige I respectfully requested that Prestige remove and delete the 30-60-80-90 days late and Deliquency on my credit report from XXXX, XXXX and XXXX so my credit can be in prosperity. 
Prestige Account Vice President stated that she was going to remove and delete the negatives from credit report once the agreement is signed on XXXX XXXX and on XXXX XXXX the negatives will be deleted from my credit file from Credit Reporting Agencies. 
I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military XXXX and I am on my XXXX I am protected under the ADA Disability Civil Rights Act under Department of Justice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response as of the present date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} ( Disputed Amount ) The account XXXX XXXX requires examination due to inaccurate reporting. The reported balance of {$6400.00} appears to be higher than my recollection. Additionally, your agency indicated that this account is closed, and as such, the Past Due amount should not be provided. To address this misleading data, I intend to communicate directly with the creditor. However, I request that your agency mark the account as disputed while I work towards a resolution. 


Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} ( Disputed Amount ) I require verification of the account identified as XXXX, as your reporting appears to present inaccurate information. The reported balance of {$940.00} is not in line with my understanding, and I believe the actual amount should be lower. Furthermore, the Past Due amount should not be indicated, considering the account is closed and charged-off. I urge your agency to mark this account as disputed to prevent it from negatively impacting my credit standing. Also, I request verification of the Date Opened, Date of Status, and Date First Reported. 


Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} ( Disputed Amount ) The account XXXX is reported inaccurately and is causing significant harm to my credit reputation. The reported balance of {$100.00} does not align with my recollection of a lower amount. The Past Due information should be revised, as it is inappropriate to indicate a Past Due amount for a closed, charged-off account. This misinformation likely contributed to a decline in my credit score. In light of this, I intend to resolve the incorrect data with my creditor and request that your agency mark this account as disputed to prevent further damage to my credit score. 


Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} ( Disputed Amount ) The XXXX XXXXXXXX account is reported inaccurately, as the reported balance of {$870.00} is inflated and not recognized by me. I believe I owe a lesser amount. Additionally, the Past Due amount provided by your agency is evidence of inaccurate reporting. This account is closed and charged-off, hence the Past Due amount should not be presented. I am committed to addressing this issue directly with the creditor and request that your agency mark this account as disputed during the resolution process. 


Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX The account XXXX with Account XXXX XXXX XXXXXXXX is not mine, and I request its removal from my credit report.
Product: Credit card or prepaid card

I held a XXXX XXXX card with US Bank for many years. In XXXX they charged me the annual fee but didn't credit my account with the renewal bonus of XXXX XXXX points. I followed up repeatedly in XXXX and XXXX with no resolution. The card has now been product changed without my consent to a new product, and US Bank still has not refunded me the annual fees for these years or credited my account with the missing XXXX points for either of these two cardmember years.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Below are the accounts that are marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Mortgage

NOTICE : FORMAL COMPLAINT PLEASE DO NOT CLOSE MY ACCOUNT UNTIL A FULL INVESTIGATION HAS BEEN CONDUCT MAJOR CONCERN. THIS IS NOT THE SAME OR SIMILAR CONCERN AS REPORTED EARLIER. T I am writing to express my serious concerns regarding several issues with my mortgage account with XXXX ( XXXX ) dba XXXX XXXX XXXX. As a private XXXX XXXX who has invested thousands of dollars on XXXX : to include XXXX, I am an investor. I have discovered troubling discrepancies and suspect potential fraud. 

XXXX. Breach of Trust and Fraud Concerns : I have recently discovered that XXXX, ( XXXX ) despite its assertions in SEC and XXXX reports that my payments would not be sold on the secondary market, has potentially violated this assurance. This is in direct breach of trust and potentially constitutes security interest/instrument fraud. I request an immediate investigation into these concerns, including a full accounting of how my payments have been handled and if there have been any conflicts of interest. 

XXXX. XXXX XXXX XXXX : I have tendered special deposits on XXXX occasions, including XXXX in {$21.00} in XXXX XXXX, a {$2.00} XXXX, and a {$1.00} XXXX XXXX XXXXXXXX XXXX Despite providing notices and evidence of tendering these deposits to XXXX XXXX Bank, the special deposit was not processed correctly. XXXX communication indicated that they do not accept currency and warned of potential legal action, which I find unjustified. 

XXXX. Insurance Fraud : I am concerned about potential investment fraud and conflicts of interest involving XXXX XXXX and XXXX XXXX, particularly since I have XXXX thousands of dollars in XXXX XXXX. It appears that there may be a collaboration between XXXX XXXX, the alleged mortgage company, and insurance fraud. I request a thorough investigation into these matters and an explanation as to why funds were not applied to my insurance policy. 

XXXX. Investment Concerns : As an investor in XXXX XXXX XXXX, I am also seeking verification of the accuracy of the investment amounts and potential conflicts of interest related to my investments. I request to see a detailed copy of the full accounting ledger related to my investments with XXXX XXXX, XXXX, and XXXX. 

XXXX. Breach of Trust and Security Concerns : The situation also raises concerns about security fraud and breach of trust. I request that XXXX halt any further collection activities and reporting to credit agencies while this investigation is ongoing. 

I am demanding a response within 14 days. Please find attached all relevant supporting documentation, including my signed and notarized rescission of signature written in equity. Should XXXX wish to reclaim any property, I request that all credits, proceeds, and interests be refunded to my trust. 

Thank you for your immediate attention to these serious matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Debt collection company : National Credit Audit Corporation Employee : XXXX XXXX I was told via. Email their client would not settle for less than 20 % of the total debt owed. 

But their websites states a 30 % Settlement offer.
Product: Prepaid card

XXXX XXXX XXXX ( 4 ) purchases and two ( 2 ) ATM withdrawals on XX/XX/24 on a fully funded prepaid debit card. Then a day later, it charged {$1.00} for each declined transaction for a total of {$6.00}. I attempted to request reimbursements for those fees on XX/XX/24 via phone and online form but no response as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According XXXX XXXX Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. After reviewing my credit report, I have found several errors that need to be addressed. 

Firstly, the charge off accounts from XXXX XXXX and XXXX are not accurate. I have never had any accounts with these institutions, and therefore, the charges are not valid. Similarly, the charge off account from XXXX is not valid, as I have never taken out a loan with them. 

Secondly, the inquiries from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX were not authorized by me. I did not apply for credit with any of these institutions, nor did I give them permission to inquire about my credit. 

These errors on my credit report have caused me a great deal of emotional distress, as they are affecting my ability to obtain credit and make important financial decisions. I demand that these inaccuracies be corrected immediately and that my credit report be updated accordingly. 

If these inaccuracies are not corrected, I may be forced to take legal action under the FCRA to protect my rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX