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

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reportingagency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.
Product: Credit reporting or other personal consumer reports

CitiBank kindly responded on XX/XX/year> they will remove hard inquiries on my end after I filed a complaint with CFPB. 

On XXXX XXXX, CitiBank sent an email informing they can not delete these hard inquiries because they claim I have made this inquiry myself to apply for a CitiBank XXXX XXXX XXXX. 

They attached another email that mentioned I have applied for the card. However, the address they sent to was not the correct address. I am not sure why they decide to conclude I was not a victim of identity theft despite all evidence given. 

I tried to call them back twice and was promised to get a call back from them, but they have not returned my phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX & XXXX Account # XXXX, XXXXL XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.
Product: Mortgage

I was issued a predatory loan from your bank in XXXX. Being victimized in this process my last installment was in XXXX. This was a nightmare of a time for my family because I was not given any reliable options of relief that would give me a since of stability. I was sent through multiple loan modifications, monies were taken from me without any result of resolution. Currently I find that this issue is still haunting me, and without my knowledge. Your company filed a claim with my name attached without my knowledge several years after we conducted any business, and that is unacceptable. XXXX is reporting a claimed was paid XXXX/XXXX/XXXX to your company. I called your office on yesterday and was emailed and told information conflicting with what XXXX is reporting. Your company shows that a claim was received XXXX/XXXX/XXXX and it was settled XXXX/XXXX/XXXX, this is conflicting information. The original proceedings were in XXXX. These conflicting dates shows legal remedies were not followed ad I once again victimized. I feel your company drug their feet on making this issue correct. I have being a victim of several tactics for your institution, and it is unacceptable and unlawful. This matter should have been handle in XXXX, and for what ever reason it was not. I am requesting that chase provide me documentation that relinquishes me from their mishaps, and make this issue correct with XXXX and myself.
Product: Mortgage

I have a loan with Ditech Financial. The investor of the loan is XXXX and the originator of the loan is XXXX. I submitted documents for review for a loan modification and my loan went into review in underwriting on XXXX XXXX, XXXX. The file was assigned to XXXX XXXX of Ditech at XXXX ext. XXXX. A pending foreclosure was postponed to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Ditech underwent a system upgrade and advised me to call back on XXXX/XXXX/XXXX for a ststus update. I called back on XXXX/XXXX/XXXX and was advised to send in updated documents including XXXX tax returns, rental agreement, paycheck stubs and bank statements. I faxed all the documents to XXXX on XXXX/XXXX/XXXX. I checked back on XXXX/XXXX/XXXX and was told that the file was in underwriting and a decision would be made within 2-3 weeks but to call back every week. I called on XXXX/XXXX/XXXX and was told that there is no new update and the file is still in underwriting. I called again on XXXX/XXXX/XXXX and was told that the file was still being reviewed for a possible loan workout. I called on XXXX/XXXX/XXXX and found out that the house was sold for {$330000.00} back to the beneficiary XXXX. Ditech is in violation of the California Homeowner Bill of Rights prohibiting dual tracking of foreclosures whereby a homeowner is in active review of a loan workout with a single point of contact and underwriting review pursuant to Cal. Civil Code 2924.18. Ditech did n't give me any explanation as to why the property was foreclosed. The rep said that they received notification to move forward with the foreclosure.
Product: Credit card

I was charged interest after I paid by balance in full XXXX day prior to the end of the billing cycle. The interest charged was XXXX on a balance of XXXX. When I paid my balance in full, I paid it on XX/XX/XXXX. My due date ( end of billing cycle ) is XX/XX/XXXX. I selected " pay balance in full ''. On XX/XX/XXXX, Citibank charged me XXXX in interest in the amount above. This makes no sense. I called to find out why. The explanation was that I did not pay the balance in full prior to the end of the billing cycle, and the interest accrued between that time and the end of the billing cycle. They said they allow this to happen " in the event I need to make more purchases. '' This also makes no sense. 

I did not understand the man 's explanation, but he was adamant this was how they did things. I told him it sounded more like a pre-payment penalty which is illegal in Washington, or Citibank just wanted to make money off of people. 

According to the XXXX statement, the balance I paid had accrued interest of XXXX. If the XXXX is the interest the balance accrues between the previous statement and the billing date ( XXXX ), Citibank must update their computer records to show this, so that when people go into pay their bill, the amount accurately includes interest. 

This is the third time this has happened with Citibank. There does not seem to be a way to completely pay off a balance with this company as they send you another bill for interest. For all I know, interest will accrue on the interest, and they could continue sending me bills? How will I ever know when I have a XXXX balance?
Product: Debt collection

Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.
Product: Debt collection

A personal check was written to XXXX on XXXX XXXX XXXX, there was money in the account, the bank returned the check back to XXXX, Telecheck retried and the check cleared, now they have been attempting to charge me XXXX overdraft fee ' s the manager at XXXX XXXX XXXX XXXX say i d not owe the money, and wait it out, Telecheck has tried twice to swindle me out of XXXX causing my account to overdraft twice, I do not owe this company anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called yesterday to try to make a payment in full which is {$280.00}. But I have a recurring payment every month which is {$50.00}. So I called the customer service of the build company today to make sure they wont double charge my bank account. I found out the payment of {$280.00} didnt go through. They told me to call my bank which is XXXX XXXX XXXX. And I did. The bank said they didnt see any attemp or transactions from the build card company. So I called back n asked to speak to the supervisor. The supervisor said she cant collect the money either told me to call my bank. I already close the build card account, but today is the due day. If I dont pay it in full today, I will end up paying the interest tomorrow. This is is why I spent my day calling back n forth n still cant make the payment in ful. Funny, the customer service told me my recurring payment of {$50.00} dollars is going through tonight, but I cant make my payment in full. So I guess, the build card company just want me to keep on paying the interest every month instead of paying in full. It wastes my time of the day talking on the phone back and forth and still cant solve my problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been put through pure XXXX from the moment I joined credit karma several years or more back my information was leaked out and my number turned up on the dark web. My medical records were comprimised I am XXXX and filed bankruptcy in XXXX I have been issued credit cards and for 2 years have made my payments on time credit karma keeps sending me offers to my e-mail for cards and institutions that I already have accounts with also loan offers from company 's like XXXX XXXX who did credit report searches on my on 3 different occasions when it should have just been 1 time and sent me offers saying that applying would not cause my credit score to go down when it did I am at my witts end I suffer from a XXXX XXXX and was thrown out of my residence of 5 years during the pandemic when I was not even behind on my rent and was sick and then having to file bankruptcy and then getting my credit back on the right track I had my credit score up to 635 and now it is in the mid 500 's because of all the inquires that I was told would not happen plus I took out a loan from a company that got my address from credit karma that turned out to be a line of credit and charged me a 325 % interest rate please help me I am a veteran and XXXX and this is killing me
Product: Checking or savings account

XXXX XXXX, I payed a bill by check to XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was altered to {$1000.00} and cashed. The check was quite visibly altered and nevertheless cashed in XXXX XXXX, CA. In a XXXX XXXX Bank, XXXX XXXX XXXX on XX/XX/XXXX at noon And deposited into the account. Of XXXX XXXX, reference payroll. Since XX/XX/XXXX I am dealing with this fraud through my bank, BMOHarris ( XXXX XXXX ) XXXX XXXX, XXXX, Illinois. The bank finished the required inquiry and submitted it to XXXX XXXX XXXX on XX/XX/XXXX. Since then I was told by the XXXX. Of the BMOHarris bank, that it is no longer their problem. That I need to deal with XXXX XXXX where the check was deposited. After trying my hardest to to connect with XXXX XXXX XXXX XXXX. I was told by XXXX XXXX XXXX XXXX : 1 ) they will give no information since I do not have an account with them, 2 ) they do not talk to third parties, 4 ) for fraud cases it is only bank to bank.

I found out through a complaint to the XXXX that the bank that represents me should be the bank in which I have an account, BMOHarris Bank. when I go to the BMOHarris bank, the XXXX XXXX XXXX tells me XXXX ) we will not pay you, XXXX ) Deal with XXXX XXXX, they have the money, XXXX ) It is not our fault, you signed the check. I need help since it will soon be a year And I have no solution to the problem and this has caused me financial difficulties
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about the false information on my report which was submitted by XXXX XXXX which was a result of identity theft. XXXX and XXXX removed said inaccuracy but Experian refused.
Product: Credit card or prepaid card

I had a Bank of America credit card from XX/XX/2017, recently I received a letter from Bank of America stating that they closed my account. The reason for closing my account was that they received information from XXXX. I have a membership with XXXX  that I check my credit record with regularly. The time that they closed my account I did not have any suspicious activity going on with my XXXX account. I contacted Bank of America multiple times to find out why they closed the account, the only thing they said is that the letter we sent you should already explain the reason. I tried to get information from them on how to reopen my account. I contacted them 3 different times and spoke with 3 different people and got 3 different answers. Once they said I am welcome to reapply to reopen my account, they said I would get a soft inquiry which won’t hurt my credit and then when I agreed they wanted to transfer me to a different department that could help me further. When I spoke with that department the representative was very rude and gave me a totally different approach on the issue. He said when reopening my account I will get hard inquire. My main concern is why has my account been closed, and they could not give me a decent answer. Then I called them back a couple of days later and each time they gave me different information and answers. By this point I’m complaining to see if the problem is on my side. By law they have a give me a reasonable explanation on why they closed my account. I can submit my XXXX credit report so you guys can see that everything is normal. By law in the credit card agreement it does not state that the bank can just close your card anytime they like.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX. XXXX for reporting inaccurate information on my credit reports. Specifically, they have reported missed payments, late payments, and an incorrect balance owed. The balance reported is significantly higher than what I actually owe, and I have never made a late payment on this account. Despite my efforts to dispute and correct this information, it remains inaccurate, which is damaging my credit profile and violating federal law. 

Details of the Issue : Incorrect Balance Owed : The balance listed on my credit report is {$170000.00}, which is incorrect. The true amount I owe is significantly less than this amount. The reported balance does not reflect the accurate debt. 
Inaccurate Reporting of Payments : The account history shows missed payments and late payments, which are completely inaccurate. I have never missed a payment or made a late payment for this account. I have consistently paid on time, and this misrepresentation is harming my credit score. 
Failure to Correct Discrepancies : I have already disputed these issues with the credit reporting agencies, but the information has not been updated or corrected by XXXX. XXXX, and the inaccuracies remain on my credit report. 
Violations : Failure to Report Accurate Information : XXXX. XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate account details, including the balance owed and payment history. 
Damage to Credit : The incorrect reporting of missed and late payments, as well as the inflated balance, is negatively impacting my credit score and making it more difficult for me to manage my financial affairs. 
Failure to Correct Disputes : Despite my efforts to dispute the inaccurate information, XXXX. XXXX has failed to correct the errors or provide adequate validation of the reported debt, violating my rights under the FCRA. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the balance owed and payment history reported by XXXX. XXXX. 
The failure of XXXX. XXXX to correct the disputed information after being notified of the errors. 
The violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly the requirement to report accurate and complete information. 
Appropriate action to ensure that XXXX. XXXX updates the account information to reflect the correct balance owed and accurate payment history. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and any dispute correspondence. Please let me know if you require additional information to assist with your investigation. 

Thank you for your prompt attention to this matter. I look forward to a resolution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ).

Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX Date Opened : XX/XX/XXXX Date Report : XX/XX/XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX