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

To Whom it may concern : Please update the subject credit file to reflect the courts status of the debt as indicated Discharged in Chapter XXXX Bankruptcy. The Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a due or open balance of " {$0.00} '' on all accounts in collection with you that are included in my bankruptcy case ( Case # XXXX ). Continued reporting of a due balance is the creditor grantors attempt to collect on this debt. Reporting of a balance other than zero shows my open credit being exceeded due to a balance being reported. 

The inaccurate reporting of this balance is causing me distress. This has put me under duress, I am left with no other option of relief to either pay the balance due or file suit. My intent will be to file suit against all parties in the parish of XXXX XXXX, Louisiana if this issue is not rectified. All attempts have failed in working with your company, XXXX, XXXX, and Equifax to correct the inaccurate reporting of information. Paying the balance open is against the bankruptcy courts order and relief granted under 11 U.S.C. 524. 

To the extent that any of the discharged debt is reporting other than a XXXX  balance, please consider this letter as my final dispute under the Fair Credit Reporting Act and your companies notice of negligence to the law and relief granted by the court. Consequently, I am requesting you to immediately report a XXXX  balance and update Equifax, XXXX, and XXXX  file with accurate information. The Federal Trade Commission has been clear regarding how a furnisher must report information relating to the balance due post-bankruptcy. The Federal Trade Commission Official Staff Commentary to FCRA section 607, item 6 states the following : Content of Report : A consumer report need not be tailored to the users needs. It may contain any information that is complete, accurate, and not obsolete on the consumer who is the subject of the report. A consumer report may include an account that was discharged in bankruptcy ( as well as the bankruptcy itself ), as long as it reports a XXXX  balance due to reflect the fact that the consumer is no longer liable for the debt. 

The Federal Trade Commissions guidance remains the last word on this issue from the regulatory side and courts still regularly rely on it. See XXXX v. XXXX XXXX XXXX, XXXX, No. XXXX, 2015 WL XXXX ( N.D.Ind. XX/XX/2015 ). 
Page 1 of 2 Pursuant to the Fair Credit Reporting Act you are required to investigate this complaint and promptly notify me of the results of your investigation. I request that you conduct an official review of the information to all credit reporting bureaus. If for any reason you decline to conduct that review and make the necessary changes, I request that you promptly advise me so that I can take additional steps necessary to protect myself. Thank you for your prompt assistance with this matter. 




___________________________________ Signed XXXX XXXX XXXX XXXX File : XXXX XXXX XXXX XXXX Re./ Regions CC : XXXX  XXXX  Equifax
Product: Debt collection

I paid my debt of {$410.00} to the debt collector Midland Credit Management on XX/XX/year> and in return, they were supposed to remove the account from my credit report. It has not been removed and it is still reporting negatively on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit frozen with the three credit reporting agencies a couple of years back. Now I have to refinance my auto loan so I call the credit freeze departments of transunion and XXXX, supplied the necessary security info and temporarily unfroze my credit. When I call Experian and started giving them the same info I have given the other two credit agencies Experian started gving me problems on ( XX/XX/19 ) Than the cust rep told me togo on lline and input my personal info, I did, and Experian refuses to give me my pin so that I can temporarily unlock my credit report. Their web page is nopw telling me that I have to send them a copy of my social security card and other pertinent info. All of this unecesary process its going to take about a month. Process that if Experian would have develop anefficient system like XXXX and XXXX this would not be happening.I need to refinance my loan ASAP and Experian is negligently and incompetently not letting me do. After Experian problem on the internet I tried to call customer service and they are not picking up the phone.
Product: Credit reporting or other personal consumer reports

Asked for Transunion, Experian, Equifax to provide me with the information sent in the last letter and they did not give me all the proper info I requested.
Product: Credit reporting, credit repair services, 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. Office ATTORNEY GEN account # XXXX 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 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 reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Checking or savings account

I opened an account with Truist online a month or so ago, I noticed that I was unable use my debit card and went into the bank to inquires to why. The banker informed me that there was suspected fraudulent activity and that they were in the process of losing all of the accounts. The issue is that I had gotten my first paycheck deposited into the account that morning. The banker kept my debit card and said they could not disperse any of my funds. I have had no money at all for going on a week. I called and went into several different location and can not get a clear answer about anything, most importantly, when I an have my money. I have been told that they sent am email to the department that closes accounts and that it takes up to 48 hours for a response, I called after two days and was told to all again after 24 hours. A this rate I am concerned that it will be weeks before I will see any funds that I worked hard for all of the charge on the accounts an deposits have cleared with no issues and I can not understand why I can not access MY money. I don't like getting the run around and I also can not understand why I ant get a single answer from anyone. I don't care that they're closing the accounts as Truist is clearly not a bank I need to be doing busyness with anyway, but I do care that I have no have money for gas, food, or bills. These are all things that are incredibly important and a massive stress has been placed on myself and my family because of this situation. they lure you in with the promise of a sign on bonus of up to {$400.00} but in return, this is actually what you're going to get.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX I discovered that an Affirm account with a balance of {$260.00} had been opened in my name without my permission or knowledge. Upon learning of this fraudulent activity, I immediately placed a fraud alert on my credit report. In XX/XX/year>, I filed a dispute with Affirm to address the unauthorized account, but my dispute was not resolved. Since then, I have offered to provide all necessary documentation and information to support my case, yet Affirm has not attempted to reach out to me or assist in resolving the issue.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 or other personal consumer reports

I purchased a car prior to the Covid-19 pandemic, but during the pandemic, I faced financial difficulties and was unable to keep up with the payments. As a result, the financial institution attempted to repossess the car. However, the car had suffered significant mechanical issues and was vandalized while parked in XXXX XXXX XXXX, making repossession impossible. I proposed to the financial institution, XXXX, that they offer me a settlement amount so I could pay off the balance or allow me to make monthly payments. Unfortunately, they refused and insisted on payment of the full {$15000.00} owed on the vehicle, which I am unable to afford, and still unble to afford a XXXX time payment of XXXX plus. 

Eventually, they charged off the debt and reported it on my credit file as of XX/XX/XXXX. However, the charge-off actually occurred in XXXX when a XXXX was issued. According to consumer law, a charge-off is not considered a debt but rather income. 

I have made numerous attempts to negotiate with XXXX, sending certified letters and making multiple phone calls, but they have disregarded my requests for a resolution. Theuy continue to report negative incorrect information on all the credit Bureau on me and refused to communicate or make it easy for me to enable me pay on the car because they want the full payment at once.
Product: Credit card

I first found out about unusual charges on my credit card when I fully paid my account ( XX/XX/year> ). My balance was close to little as {$100.00} and it spiked up a few days later. When I checked back my account activity I saw multiple transactions that are unauthorized charges. I called the WELLS FARGO bank ( XX/XX/year> ) to dispute these charges and they immediately took it off my account. I also asked Wells Fargo to replace my card so they are very aware my card was lost or a copy of my card was in possession of the person making these unauthorized charges. Several days later the charges came back into my account. I made a call again to WELLS FARGO ( XX/XX/year> ) and they said they will reopen the dispute claims as it was closed and denied by the bank because they made attempts to contact me on my old number registered on the bank that I no longer have possession of. The unauthorized charges weren't cleared and I also got a letter in the mail dated XX/XX/year> saying WELLS FARGO completed their research and found that the disputed charges in my account are valid and appear to be authorized by myself so I called the bank again ( XX/XX/year> ) and I explained in details how XXXX of my expiring cards was tossed into garbage by accident by my partner and it could be the reason for these unauthorized charges on my account. I also mentioned how my XXXX XXXX credit card also had some unauthorized charges and XXXX XXXX immediately cleared it when I filed the claim. I was told that I needed to file a police report to be able to reopen the claim in WELLS FARGO and be taken seriously since it was already closed. The agent advised me to file the police report and call them again to reopen the case. I called again on XX/XX/year> to ask instruction on how to send the police report that I just filed. I was then told to fax it to WELLS FARGO CREDIT CARD XXXX XXXX department and same day I faxed the police report. XX/XX/year> WELLS FARGO mailed a letter saying they completed their research and found that I'm responsible for all the charges made on my credit card as it was apparently authorized by myself. Charges from multiple merchants below are unauthorized and are still in my account. WELLS FARGO is refusing to take it off my account and insisting I authorized the following charges. 

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: Mortgage

In XXXX on my closing statement I was charged 1.75 % = {$7800.00} for UFMIP. 
I refinanced this year and closed XX/XX/XXXX and the new cost of UFMIP was 1.75 % = {$7700.00} On my closing statement I DID NOT RECEIVE a UFMIP refund credit. 
In order for me to close the loan they stated I needed {$4100.00} cash to close. 
Since I did not have the cash I asked is there any LENDER credits they can provide to help offset the cost. 
TIAA said that they could change my rate from 3.5 % to 3.75 % so that I could get a LENDER CREDIT ( separate from a UFMIP refund credit ) to help with closing costs, since I could not roll the fees into the loan. 
When I asked the loan originator about the HUD refund for MIP, since I refinanced FHA to FHA, they stated that refunds are done after the fact and that no REFUND credit will show on my closing statement, and that the HUD will refund me my credit. 
I called HUD and they stated that I have an overage and that a credit will be applied to the lender. 
The lender maliciously did not apply the UFMIP credit so that I would have to increase my rate from 3.5 % to 3.75 %. Had they applied the credit, I would have not needed to come up with funds or increase my interest rate.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Dept of EducationXXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX , Dept of Education/XXXX  Account # XXXX XXXX Dept of EducationXXXX Account # XXXX, Dept of Education/XXXX  Account XXXX XXXX has violated my rights 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 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: Mortgage

I have been paying my mortgage payments every month. I am with Freedom Mortgage. My XX/XX/XXXX Mortgage statement states I have {$7400.00} in my escrow balance. I have not had a negative escrow balances in my monthly statements. XX/XX/XXXX statement says im Negative {$12000.00} and will be charged extra {$2000.00} a month for the rest of the year. That doesnt seem legal. Please offer some guidance as to what my next steps should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}.
Product: Credit card

I applied for a Macy 's credit card and used it to buy some chairs. The chairs were defective and I returned them with Macy 's approval. It took Macy 's a long time to apply the return credit to my card. They charged me late fees and then reported me as late pay on my credit report. I just got denied on a mortgage loan application because of this. 
The " lost money '' amount reflects the higher interest rate I will be charged on a mortgage loan because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX. 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Money transfer, virtual currency, or money service

My Venmo was frozen early last year. I opened a request to see why and I was told the account would be closed permanantly because I did something that violated policy. I did not. I have not. They didn't tell me what.
Product: Credit reporting or other personal consumer reports

You are reporting incorrect payment information for account POSSIBLE FINANCIAL INC XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Product: Checking or savings account

I noticed money was taken out of my bank account for associated Bank in XXXX Wisconsin. I reported it they did not stop my card within XXXX XXXX business days I went to see why I have not received my new card they told me I had not stopped it I checked my account again and more money was taken out. They investigated it and told me that I was the one that took it out and I didn't take it out I know the culprits I reported to the police the police have done nothing matter of fact I told him XXXX separate times of what happened and I have not got my money 's returned.
Product: Debt collection

After Reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed as National Credit System and validation requested as this was an account I did not recognize. I reviewed my account again XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor. to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on again. After reviewing my credit report again XX/XX/2022 there has been no updates and account is still reflecting on the report. I do not believe this account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 Credit Bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.