23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit report reflects inaccurate information and Equifax needs to correct and update the information on my credit report. The account listed as Common Wealth of VA account # XXXX reflects an inaccurate balance of {$1800.00}. In XXXX 2015 approx. {$120.00} was paid and on XXXX XXXX, 2015 the remaining balance on the account was paid down to a XXXX balance. Receipt/confirmation # XXXX is proof of the {$1700.00} payment which brought the account to a XXXX balance up to XXXX XXXX, 2015. The current month is the only month due and can not be legally reflected unless 30 days elapse without payment. XXXX 's payment is due but it may not be reflected on my credit report unless the balance has not been been paid by XXXX XXXX, 2015. 
Even though this account was brought current, and paid to a XXXX balance, Equifax failed to update this account and falsely reports a {$1300.00} past due balance as the account status. In addition the account status provides a false statement that that amount is a a delinquency of more that 120 days. That is not true and Equifax had corrected such claims in prior disputes. The account history shows that the account was always paid on time. This is true as reflect by the furnisher 's records. Those records caused Equifax to make the payment history correction prior to this recent error but some how they have re-entered previously removed information. That balance no longer exists but when it did it was not to be listed as delinquent because their was a payment agreement from a court, and as the data furnisher 's records confirmed during the prior dispute, I was never 30 days late let alone 120 or more. Equifax must refer back to the documentation it received last time and remove this item from my credit report because they have failed in their obligations under the Fair Credit Reporting Act. This erroneous information has unfairly jeopardized my credit score and I was negatively impacted in my business and regarding an credit request with XXXX XXXX XXXX. Equifax must update the balance to XXXX, account status to current and inform XXXX XXXX that my credit report was updated and that my credit score has also been updated.
Product: Mortgage

I currently have a mortgage serviced through Better ( https : //better.com/ ). This is a company in which I've had numerous communications issues and delays getting my mortgage originated, and led to a drawn out 6 month process which was already a bad start. 

Part of my mortgage, which I have never missed a payment on, has an escrow which is supposed to include paying my homeowner 's insurance. This was a mortgage that I have previously had serviced with XXXX XXXX, and had no issues with and the insurance was always paid on time from the escrow account, and the insurance carrier has always been the same. 

On XX/XX/XXXX, I got a notification from my insurance provider that my premium pay wasn't processed by my mortgage lender. The insurance provider has confirmed that it should have been paid from my escrow account, but hasn't. I immediately reached out to the folks at Better, copying the insurance folks as well, asking for this to be resolved. 

They have acknowledge my request on the XXXX, said they are investigating on the XXXX of XXXX, and then silence. I reached back out on the XXXX asking for an update, and got a reply on the XXXX saying they are still looking into it. More silence until the XXXX, when I reached out again, and got more replies on the XXXX and XXXX saying they are still looking into it. 

On the XXXX, I got a notice from XXXX XXXX my insurance carrier ) that my policy will now be canceled on the XXXX due to nonpayment. This still has not come to resolution and I am at risk of losing coverage even though I have making all my payment commitments on time, and typically early. This has been a frustratingly poor experience.
Product: Mortgage

We had scheduled to close on the sale of our property on XX/XX/2024. The buyers title company checked the wrong box ( USDA loan but they checked FHA ), this caused the appraisal to get sent to the wrong department. After the error was caught, it was sent back to be corrected. The lending company took their time responding to the error causing the closing date to be pushed back to XX/XX/2024. We already had movers, and a XXXX scheduled/rented and had to push both of these out an extra day ( plus they waited until end of day to say its not going to happen. This caused us to incur an additional {$770.00} charge from the moving company XXXX XXXX XXXX XXXX and an extra {$110.00} to extend the XXXX XXXX another day. To add insult to injury, the buyers lender had the audacity to allow the buyers to move their belongings into our house a day early, this forced us to seek accommodations for the night at a hotel ( we weren't going to sleep in a truck with a XXXX and XXXX XXXX XXXX in XXXX degree weather ), at another {$120.00}. out of pocket. The lenders said they would work with us on these but have been playing ignorant for the last month and are no closer to a reasonable resolution.
Product: Credit card

I have a Chase Freedom credit card that the account was paid off and I had not used in a very long time. I received a balance transfer offer from Chase that I thought sounded very good and I wanted to take advantage of the pay off XXXX large credit card balance that I had somewhere else. I called Chase to explain what I wanted to do. The representative requested my card information. I explained the him that I no longer had the card because I had not used the account in a long time and had not really intended to use and probably cut the card up and thrown away. The agent told me that I could not do the balance transfer until I had a card to verify and that he would be sending me a new card. I said ok and also said to him that I may use the checks I have for some other additional transfers. So, 5 or 6 days later I got the new card and called up and did the transfer online. While on the phone I told the new agent that I was speaking to that I had decided to pay off some other smaller balances and would deposit one of my existing checks into my checking account. I was told that would be no problem. So after I deposited a balance transfer check for {$1000.00} into my checking account and made a number of payments out to other companies I tried to make a purchase with my checking account debit card and it was declined. This is when I found out that the balance transfer check that I deposited into my checking account had been declined. It turns out that the first agent from Chase had closed my credit card account as being a lost /stolen account. At no point did I ever indicate that there was ever any concern the whereabouts of my card. I was never told by the agent the account would be closed and that another account number would be issued. I was not told the balance checks would not be any good even though during the call I mentioned that I may want to use one. When I called the second time again I was never told there would be any concerns with the checks that I had. I have called Chase back twice to discuss what has happened. Both times I requested to speak to a manager or presidential unit. Both times I was told that they understand they made a mistake but have made absolutely no offer to do anything to fix it. I explained to them that I was now about {$600.00} over drawn on my checking account and that I would not be able to pay my rent this month. They could not send out more balance transfer checks on the new account because that was done by their marketing department. They basically told me I was out of luck. I have had more that {$150.00} in fees charged to me from my checking account because of their mistake. I had to go to a pawn shop and sell rings that my mother had given me in order to scrape together the money I would need to pay my rent on time. The only offer they made was that I could do a cash advance with them at 19.99 percent interest. I told them if I was going to do a cash advance I would give my money to another company. I think this is very sad for a company to refuse to do one thing to make up for a major mistake that they made. I have suffered greatly and they could care less.
Product: Vehicle loan or lease

I made a XXXX payment in XXXX XXXX XXXXXXXX which included a payment for finance charges they charged me for which was XXXX. I received a call on Friday XX/XX/XXXX from an agent asking me about my payment I hadn't made yet due to trying to figure out why they are still trying to charge me for something I have already paid. They agent who was foreign and that I didn't really understand told me his computer system was down and he couldn't answer my question. I stated to him, but you called me so how is your system down?? He wasn't very friendly at all. Stated I would be filing a complaint with cfpb due to charges they keep having me pay. I am tired of Ally Financial overcharging and cheating me.
Product: Credit card or prepaid card

I signed up for the Capital one Quicksilver rewards card on the Capital One website in XXXX. The card is running a promotion where you receive a {$150.00} bonus after your first {$500.00} in purchases within three months. I for a fact that I applied using the link they told me to because I had the same problem opening a checking account with a different bank where I didn't qualify. I was careful to take every step necessary to fulfill the requirements of the promotion. I then spent the {$500.00}. I did not receive the {$150.00} bonus. I called Capital one and the woman on the phone kept putting me on hold saying the she could not find the problem due to a system issue. She eventually hung up on me while I was on hold. This was after a half hour phone call. This offer is still being promoted right on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Checking or savings account

I was denied access to my account during an unauthorized claim investigation. The claims are still under investigation and Bank Of America is refusing to provide me with and have access to a temporary provisional credit by the 10th business day, in violation of Reg E. They will not let me close my account, they continue saying that the account is in " closure '' and are withholding all the money in my account indefinitely. My online banking access has been suspended, they are refusing to give me any account information.

9 out of 10 employees in EVERY DEPARTMENT I have spoken too, has never heard of Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXXXXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, # 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. 

2.

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, # 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. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, # 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. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over 40 days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/XXXX. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of 30 days. I submitted a CFPB response on XX/XX/XXXX and received a response on XXXX saying a investigation is being completed. this is taking to long Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.
Product: Debt collection

I am writing to formally address an ongoing issue with the inaccurate reporting of my information on my credit report. Despite providing the required documentation to verify my legal name, address, and employment, the credit bureaus continue to report false and inconsistent information. 

The discrepancies in my credit report include : [ List specific inaccuracies, e.g., incorrect name, and outdated address. 
Enclosed are copies of the documents I previously submitted as proof, including : Government-issued identification verifying my legal name. 
Proof of current address ( e.g., utility bill or lease agreement ). 
Documentation of my employment ( e.g., pay stubs or employment verification letter ). 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported is accurate and up-to-date. The continued inaccuracies are causing harm to my credit profile and financial reputation. 

I am requesting that you : Investigate this matter immediately. 
Update your records with the correct information. 
Provide confirmation in writing once these corrections are made. 
Please address this matter within the required 15-day window. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINTXX/XX/XXXXXXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681 a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XX/XX/XXXXXX/XX/XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XX/XX/XXXXXXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XX/XX/XXXXXXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XX/XX/XXXX XXXX for the cancelled debt of { { XXXX } } in order to file as ordinary income. Where is my 1099-C XX/XX/XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. InXX/XX/XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, EQUIFAX, and XXXX is not affiliate of XX/XX/XXXXXX/XX/XXXXXXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, in accurate. XX/XX/XXXXXXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.
Product: Debt collection

I.C. System IncXXXX, is alleging I owe {$200.00} for XXXX  XXXX account. This claim has been disputed with the original creditor and other collection companies. I.C. System has not updated any new information to properly validate this debt. 

I am requesting I.C. System Inc., to provide all information they are withholding and any contractual agreement ( s ) I promise to repay a debt. I also request this negative reporting be permanently removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed in an FTC report, copy of ID, social security card and proof of address to Experian as well as a letter advising them of fraudulent accounts being reported on my credit. I clearly stated that the XXXX XXXX XXXX account was fraudulent and asked that they block the information pursuant to section 605B of the FCRA. They have not. They have responded that this account was verified. This was faxed in XX/XX/XXXX and a hard copy was mailed on XX/XX/XXXX. This account should have been blocked within 4 days of receipt and Experian is in clear violation of my rights. Also, be advised that XXXX  has DELETED the account so how is it possible that Experian has verified it and how can something that is clearly fraudulent be verified?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you XXXX XXXX enclosed is a copy of the credit report that you show as owning from Experian, I have disputed with Experian and they state the company listed { you } validated the account you are validating an alleged account that you do not own and reporting on it. you stated in case XXXX you do not own this alleged account and you can not do anything on credit report, { then how can you report and validate this alleged account that you state you do not own Experian state you validate alleged account, please remove the account with your name and stop reporting on an alleged account you do not own
Product: Credit card or prepaid card

My kohls balance was paid with XXXX XXXX XXXX  on XX/XX/XXXX however Kohls is still reporting my balance monthly as {$610.00} with XXXX and XXXX. I have faxed Kohls at XXXX on XX/XX/XXXX with the statement from XXXX XXXX XXXX showing it was settled for less than full balance on XX/XX/XXXX. I have also requested 4x with XXXX that the information be resent to Kohls to update my balance accordingly. I spoke with Kohls on XX/XX/XXXX and was advised my account was sold to XXXX for collections. This account has already been settled and should not be collected on again and should also be reflecting a XXXX balance.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX