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

I have repeatedly reached out to these creditors, XXXX and Citibank regarding the balance. Originally, I engaged in the debt management program, XXXX recommended by these same creditors. In XXXX, I had to delay XXXX payment due to hardship, consulted with Greenpath - and eventhough I resumed the normal plan within 19 days, I was severely penalized from that point forward. So, I decided to move to a more customer friendly loan repayment provider and selected XXXX. All debts were rolled into XXXX and paid to the creditors. Then in XX/XX/XXXX, the late payments were posted on my account again. Ruining my credit so bad, I was unable to qualify for a home equity loan which was the goal. With a XXXX XXXX less than XXXX, I was back where I started.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting inaccurate info on my credit file. This account was closed and paid in full in good standing and company is stating I have late payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On Saturday XXXX, I purchased a XXXX XXXX computer at the Apple Store located at XXXX XXXX XXXX, XXXX, CA XXXX in the amount of XXXX utilizing the installment plan utilizing my Apple Card through Goldman Sachs Bank. 

On Sunday XXXX, I visited the Apple Store located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided the store with my older XXXX computer in which the employees stated that I would receive a credit of XXXX dollars that would be applied to my remaining balance of the computer I purchased the day prior in XXXX. 

Yesterday, XXXX, I received a refund of XXXX that was placed back on my Apple credit card, instead of being applied to my remaining balance of XXXX. After paying now an already owed balance for other purchases on my Apple Card, I no have a +balance of XXXX. 

I contacted Goldman Sachs and Apple requesting that the positive balance can not be applied to my current purchase of XXXX as initially told. 

I am requesting that my positive balance be placed in my bank account, or, applied to the remaining balance of XXXX. 

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

I am writing to request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. These entries resulted from a data breach, which compromised my personal information. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove fraudulent information upon request. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$7300.00} 2. XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$5400.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX I applied for a forbearance with mr. Cooper. I was informed which documents were required. At the time of my application I was on short term XXXX due to a medical condition. My income from the XXXX was significantly less than my salary. All necessary documentation was provided and the evaluation was not completed. As a result I was instructed to resubmit my application because the documentation had expired. XX/XX/XXXX I resubmitted my documentation at this time my short-term XXXX had ended and I was laid off from my employer. Mr. Cooper instructed that I provide evidence income received prior to the short-term XXXX. After stating that I was no longer employed and did not have access to the electronic pay stubs I was instructed in XXXX to provide evidence via bank statements and direct deposits received from my previous employer. I provided the bank statements as instructed, in XX/XX/XXXX. On two occasions during the month of XXXX to representatives from Mr. Cooper informed me that I had a complete package which is pending underwriter review. During the one phone call on approximately XX/XX/XXXX the representative stated that I had a complete package he saw all of the documentation and agreed that the bank statements reflecting the income was sufficient and for me to IGNORE any future request to validate my income as well as ignore the status on the mr. Cooper portal instructing me to submit additional documentation. 

As I am waiting for my package to be evaluated I was contacted and told that the prior agents provided me with incorrect information and that I needed to contact my employer and obtain pay stubs. My complaint is that I have been attempting to obtain a forbearance since XX/XX/XXXX it is now XX/XX/XXXX and I believe that I am being withheld from obtaining a 6-month forbearance which is a program offered by FHA and furthermore my credit is being significantly impacted by reflecting a delinquent status versus a status of being on a government program. I am asking that copy of conversations be retrieved as I am trying my best to save my home but I'm not getting the proper cooperation from mr. Cooper.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted this information to XXXX and Equifax asking them to provide me with proper documentation on how they verified a Bankruptcy showing on my consumer report. They only provided me with the results stating they verified it with XXXX. Well, I have proof that XXXX can't verify this because none exist because it was not mine and was removed from their system. As of XX/XX/2021, there is no Bankruptcy on my XXXX XXXX report and to continue to say they have verified with them is falsifying information and is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly have been sending a 609 letter to both Transunion and XXXX for the charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have yet to remove these charge offs that have 1099 being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions
Product: Mortgage

I closed on my mortgage with Carrington Mortgage on XXXX/XXXX/XXXX @ 6 % first time buyers and in XXXX XXXX we were contacted by Carrington for a Refi@4.5 % which of course we was glad to do be cause it was a lower rate. We closed on that in XXXX XXXX, in XXXX XXXX we received a tax bill in the amount {$3000.00} for XX/XX/XXXX which I forwarded to Carrington to be paid because it was my understanding that since they paid all my closing cost on both loans they had the sellers tax escrow from XXXX XXXX XXXX XXXX of {$2000.00} according to paperwork from title company ( XXXX XXXX XXXX XXXX, Ok ). According to Carrington tax dept. when the tax bill was paid it put my escrow in the negative {$4000.00} based off an escrow analysis dated XXXX/XXXX/XXXX. On my original loan my payment was XXXX approximately {$440.00} was escrow that was for XX/XX/XXXX -XX/XX/XXXX. Then after the Refi on XXXX XXXX, the payment was {$1400.00}, {$190.00} for escrow. The escrow did n't include taxes because I am a XXXX Vet and in Oklahoma I pay no property tax which took effect on XXXX XXXX XXXX. On XXXX XXXX my adjusted payment was XXXX ( + {$630.00} ). With all this going on I did a refi with another institution and when they sent over the payoff with an Escrow impound shortage of {$2400.00}. I feel there is some unexplained issues of $ XXXX-XXXX that I could never get straight answers to.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX
Product: Debt collection

Dear MIDLAND CREDIT MANAGEMEN : XXXX or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : [ Insert account number or other information, such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Source of dispute information : XXXX XXXXXXXX XXXX XXXXXXXX of disputed information : [ Insert category of disputed information such as public records information, unknown credit account/tradeline, inquiry, etc. ] Dates associated with item being disputed : XXXXXXXX XXXX XXXX This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert details about why you think the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] My report includes accounts with a reported name that is different than mine. 

I dont recognize the accounts in question. 

The report shows I owed money to the company that I have already repaid. [ Give details about when you paid, and attach a copy of any proof that you have. ] The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. [ Include account history or other information that shows the on time payments. ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear XXXX Team XXXX I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the XXXX data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  that is called XXXX XXXX XXXX. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert showing a hard inquiry from Capital One that I do not recognize or have authorise. Please correct. 

Creditor Name : Capital One Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. 

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the missing Payment History on this account. This account is missing 17 months of payment history. The account opened in XX/XX/XXXX. There is no reporting on this account from XX/XX/XXXX to XX/XX/XXXX. It has been removed from the account and this is no longer FAIR. XXXX responded that CarMax verified that the account is accurate. This account is NOT accurate and NOT complete. Based on the reporting and information we have a FCRA violation
Product: Checking or savings account

I went into Chase Bank located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, Phone ( XXXX ) XXXX to open up a Chase Bank checking and savings accounts. I was informed my application was declined and denied due to me having a current bankruptcy. I was informed by Chase Bank Corporate Office that i wont be denied to open up a checking account due to a previous Chapter XXXX Bankruptcy filing and discharged. I was told it was ok for me to open an account and I would be approved to open up a Chase Bank checking and savings account, but I was denied due to my Chapter XXXX Bankruptcy Discharged on XX/XX/2020.
Product: Mortgage

Wells Fargo is reporting to the credit bureau that I have XXXX missed payments and that my account is closed??? I have paid any past due balance and my account has been current since XXXX XXXX. They are not reporting this to the credit bureaus. Also, they are stating that it is part of my bankruptcy when they were released from ( reaffirmed ) at least 4 months ago. 
Also, they are continuing to charge me PMI on my loan even though my loan started in XXXX and this was suppose to be done after 5 years. They are telling me now that my loan has to be at {$79000.00} before they will remove the PMI payment??????
Product: Credit card or prepaid card

Macy 's credit card problem -- Macy 's incorrectly continues to bill us for a credit balance check we never deposited ; has failed to resolve this error ; and instead reported my account as delinquent to the credit report bureaus. We have called Macy 's credit card several times over the last six months, but have not obtained any resolution. 

Based several telephone conversations with Macy 's ( Citibank/XXXX  ) credit card representatives, the following facts are undisputed even based on the credit card company 's own account history and notes : 1. On XX/XX/2020 I decided to close my Macy 's credit card account. Because we had auto-pay set-up, we overpaid the credit card account by {$440.00}. 

2. Upon closing the account, Macy 's electronically refunded {$440.00} back to our checking account ( see attached transaction information from my checking account ). 

3. For some reason, on XX/XX/2020, Macy 's also sent a physical check ( No. XXXX ) for the same amount ( {$440.00} ) to us in the mail ( see attached ). We never deposited or cashed this check, and Macy 's has confirmed the same in several conversations through their customer service representatives. In fact, in response to our calls and according to their on records, Macy 's issued a stop order for this check on XX/XX/2020 ( again confirming that this check was never deposited or cashed ). 

4. Macy 's credit card has nevertheless continued to send monthly bills to us demanding payment of the {$440.00} plus interest charges and fees. See the last monthly bill we received, dated XX/XX/2020 showing a total balance of {$510.00}. 

5. More recently, we called Macy 's credit card on XX/XX/2020, XXXX, XXXX, 2020, and XX/XX/2020 in an attempt to resolve this dispute. They continue " review '' our account history but have failed to provide any update or resolution. 

6. Despite our many calls notifying Macy 's credit card of the apparent error and our attempts to resolve it, Macy 's credit card reported our account as " delinquent '' to all three credit reporting bureaus. My credit reports from all three bureaus shows that Macy 's account as the only one that has any negative activity/delinquency. As a result of this incorrect reporting by Macy 's credit card, my credit score has gone down almost 100 points -- from " excellent '' credit down to " good '' or " fair ''. Macy 's  error has directly and negatively impacted my ability to get approval for a new home mortgage loan. 

7. Please, please help me get Macy 's credit card to correct this error and make the appropriate corrections to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge offs being listed on my on my credit report. 
1. XXXX XXXX as XXXX charge off. 
2. XXXX XXXX XXXX XXXX as XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.