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

Dear Cfpb, here is the issue. 
One year and a half ago, someone purchased a sofa set from XXXX with my credentials on an installment plan. Initially I didn't notice but right after my credit score bottomed in 6-7 months I got intouch with XXXX. By that time they have declared the account delinquent and reported me to the credit bureaus. 

After bunch of calls and complains they finally deemed it as fraudulent and told me they would do everything in their powers to fix the issue and work with the credit bureaus to erase that item from my account. Well .. not really.

What has happened is that their credit company XXXX gave my account to a collection service. All three of them filed against my credit record as delinquent and killed my credit score.

In the past 2-3 months I am working with XXXX, XXXX and Experian to fixing the issue. 
XXXX  did an investigation and they admitted it is all fraudulent therefore they deleted the items off my record. Experian and XXXX  had different view. I do not understand why. 

XXXX said it's fraudulent, XXXX said they are working onto helping me straight it up, the collection service XXXX XXXX said it's all closed and their investigation showed a fraud, but not XXXX  and Experian. 
My credit score went from XXXX to XXXX and there is no fixing that they said. 

Can you help me out with all of it. 
XXXX XXXX - never answer a phone call XXXX XXXX collection service
Product: Debt collection

A company called NATIONAL CREDIT ADJUSTERS placed a tradeline on my consumer reports in connection with an alleged debt they have not sent me any information on, and I was not given the right or opportunity to dispute this alleged debt. This agency is in violation of 15 USC 1692c, 15 USC 1692d ( 1 ), 15 USC 1692e ( 10 ), and 15 USC 1681s-2. I was not provided the chain of assignment, Papertrail as proof that I have used this account, a contract bearing my wet ink signature, whether this account has been reviewed by an attorney, or whether there is insurance on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

12 CFR 1006.34 ( D ) : This regulation mandates that consumer reporting agencies must provide a notice of dispute to the furnisher of the information within five business days.I must highlight that I did not receive the notice within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information contained in my credit report in a letter dated XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from CAPITAL ONE. In the letter, I informed you that the account XXXX was legally paid in full after collection status, but I have yet to receive a 1099 c for this write off. In addition, Capital One is in violation of the FCRA for reporting inconsistent information such as the date last active, high credit limit, and payment history. If you are reporting different information to each credit reporting agency, how is the information furnished credible? This is clear and obvious negligence, defamation of character, and gross misconduct. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. Please see the attached credit report showing that this account was paid in full, and the inconsistent information.
Product: Credit reporting or other personal consumer reports

" TransUnion has elected not to remove XXXX XXXX, notwithstanding its removal by both other bureaus. Despite a 30-day period having elapsed since the initiation of the investigation, resolution remains pending. Notably, while TransUnion initially reported the event as verified and accurate, it has since been removed. This circumstance potentially contravenes the Fair Credit Reporting Act ( FCRA ), particularly in relation to TransUnion 's failure to expeditiously investigate and rectify inaccuracies, as mandated by Section 611 of the FCRA. Regarding the ongoing investigation, TransUnion 's repeated assertions of continued inquiry are perplexing, especially considering the extensive duration spanning several months. It raises valid concerns about the legitimacy of the ongoing investigation in the absence of an active dispute. Such prolonged stalling tactics are unwarranted and demand immediate action. Therefore, I insist on the swift removal of this item from my credit report. ''
Product: Mortgage

Before I separated from the military I filed my Benefits Delivery at Discharge ( BDD ). I let my lender and the loan processor know that I filed my BDD claim and had an extensive claim. If a veteran has at least a 10 % disability rating by the VA, they are not required to pay the VA funding fee. 

On XXXX XX/XX/2022 I was told, " I received the confirmation from the Lender just now confirming that unless we have the letter acknowledging the preliminary rating from the VA, the borrower must write a letter stating he acknowledges that once he closes, he will not receive a refund. 

I spoke with the borrower, and he indicated he does in fact wants to receive his refund after closing. The letter must be obtained BEFORE- not during or after unfortunately. '' Despite expressing that I have a pending BDD claim that is highly likely to be at least 10 %, I was told to write a letter stating that I will not receive the fee refund. 

Additionally, on XXXX XX/XX/2022 I was told, " Please indicate in the letter that you are fully aware and understand the Funding Fee will not be refunded to you once you receive your disability rating and status after the closing of this transaction. '' Despite expressing that this would greatly impact my financial stability, I was forced to write the letter so that I would not lose the loan on our house. We had no housing, since I was separating from the military, so I feel as if I was forced to comply to not be homeless. I relocated to a different state for a job, so this action caused great harm to both my mental health ( worrying that we'd lose our house, worrying about what to do with the fee ) and financial health ( having to pay an additional amount on a loan ). 

My agent, who is also a XXXX veteran, also pleaded for the mortgage company to let me submit my paperwork when it comes in and receive a refund. 

Ultimately, I received a XXXX XXXX  XXXX rating and I was charged {$9500.00} for the VA funding fee, which I would have qualified to have waived if the company had waited for my letter.
Product: Debt collection

Portfolio Recovery A at XXXX XXXX XXXX XXXX VA XXXX has been mailing me collection letters via mail about a {$690.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company
Product: Checking or savings account

On XXXX XXXX, I applied for a Navy Federal Checkings and Savings account and was immediately approved. A few days later, my account was flagged due to a XXXX XXXX XXXX report. Since then, I have filed the necessary disputes with XXXX XXXX XXXX and had the fraudulent activities removed. Navy Federal refuses to remove the lock on my account or take the new XXXX XXXX XXXX report seriously. Every time I call, I get told that I have to be transferred to the Security Department and the wait time is " over 3 hours '', that's insane! I've even called first thing in the morning and they still have me on hold for over two hours. I just want to be able to use my account. I think it's unfair that I was a victim of Identity Theft and have to be treated so horribly. I even believe that because of this, I am not approved for any other amazing products that they offer. 
Please have them correct this.
Product: Debt collection

This company reported an account from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2021, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -XXXX XXXX XXXX # XXXX {$510.00}, -XXXX XXXX XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
Product: Credit reporting or other personal consumer reports

All 3 credit bureau REPORT errors and diferet information they are charging meto monitoring my credot 3 times amont
Product: Mortgage

Since COVID 19 started my hours have been reduced. I have called Fay Servicing on many occasions. The first time was on XX/XX/20. I stated that I couldn't pay my mortgage do to my hours being reduced The representative stated that they have a forbearance program and to continue calling every month. I called on XX/XX/20 on XX/XX/20 on XX/XX/20 on XX/XX/20 and on XX/XX/20 after I received a letter stating that since they have tried numerous times to reach me I'm am now in forcloser. I was assigned from the start a case manager XXXX XXXX that never answered my calls but claims in this letter that he tried calling me. I requested to speak to his supervisor and left him XXXX XXXX a message on XX/XX/20 and never called me back. I finally got a hold on Mr XXXX on XX/XX/20 I mentioned all my situations including not receiving letters he claims were sent to me to fill out for my forbearance and calls they falsely claim they did. Mr XXXX asked me to go check my post office and to ask for the letters I never received and that he couldn't help me any further. I feel that Fay Servicing is not willing to help me during this crisis and are lying and falsely stating that they have been unable to reach me when I have made all the above calls mentioned. I feel that their tactics and practices are with bad intentions when all I need is help not threats during this pandemic. Please help me. Thank you XXXX XXXX loan number XXXX
Product: Debt collection

I received a telephone call from First Recovery regarding a debt that they claiming I have attempted fraud on a financial institution. They are unwilling to provide proof of the debt and have said they will turn it over to their legal team to sue me. I attempted twice to obtain information from them and twice they hung up on me. All they will tell me is that it was a payday loan with a company that I have never heard of.
Product: Debt collection

I.C systems inc reported a collection account on XXXX XXXX and i have not had any accounts or past due balances i opened in XXXX or XXXX because i was working on my credit. Then they just listed a collection account without notification or anything.
Product: Credit card

I requested payment plan for the balance and Apple Card has refused to assist. 
They are charging me interest and I am requesting it to be removed until the assistance issue is resolved
Product: Mortgage

I contacted PNC Bank which was my current mortgage holder in order to refinance my 1st mortgage loan. I was obviously interested in a lower rate and what it would cost me to to do this in order to be beneficial. I was told the total fees for this transaction would be {$720.00} that would include the appraisal fee, credit check and then I would be receiving a credit for this particular product that would make my total costs out of pocket the {$720.00}. There was never any mention of a {$800.00} loan origination fee that later appeared in the documents they sent out and I just assumed that since the loan officer told me this was only going to cost me {$720.00} I figured the credits were going to wipe this out. This never occurred and I ended up having to pay the {$800.00} that I was never told about even after questioning it before the closing. All they said was that it was in the initial paperwork you signed. I do acknowledge that it was in the paperwork but I was also told that this loan would cost me {$720.00}, not {$1500.00}. The company repeatedly tells you every time they communicate with you that the call is being recorded but when I inquired about my complaint and what I was told they never seemed to go back and listen to the calls to verify what I was told and just reminded me that I signed the papers that included the fee. I feel that this was misleading and they should disclose all fees to the customer that stay in their pocket.
Product: Credit card

Discover Credit Card Monthly bills debts are obligations of the United States per 18 U.S. Code 8, 12 USC 411, and 31 U.S. Code 3123. -- -- -- -- -- -- -- -Only gold and silver coin a tender in payment of debts Article 1 Sec 10 of US Constitution -- -- -- -- -- -- -- -- Banks created the money and credit upon its own books by bookkeeping entry as the consideration for the Note. All of the money or credit which was used as a consideration was created upon their books, and it is the standard banking practice exercised. XXXX XXXX XXXX of XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 1968 ). -- -- -- -- -- A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not payment. XXXX XXXX XXXX XXXX XXXX 131 P 2d 894 ( 1942 ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- A debt is not paid by the giving of a note ( Federal Reserve Note/Cash/Paper Money ). XXXX XXXX XXXX XXXX XXXX, 38f. Supp. 479 ( 1941 ). -- -- -- -- -- -- -- -- -- -- -- - Giving a note ( federal reserve note/cash/paper money ) does not constitute payment XXXX XXXX XXXX XXXX XXXX XXXX  42 F. 2d 158 ( 2d Cir. 1930 ) -- -- -- -- -- -- -- -- -- ----
Product: Credit reporting or other personal consumer reports

I have an identity insurance policy with cyber scout. My information on XXXX credit be auras are incorrect. After disputing accounts and contacting all beauts there has been no resolution to these issues
Product: Credit reporting or other personal consumer reports

Bank of America is knowingly reporting this inaccurate account after notifying them previously in XXXX of last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Product: Debt collection

XXXX XXXX have never been notified of this debt. This debt is not owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NJ XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIESI am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' PLEASE REMOVE ACCOUNTS AND INQUIRIES
Product: Credit card or prepaid card

On XX/XX/XXXX I entered into a conditional loan agreement/credit card contract with XXXX XXXX appliance company and Synchrony Bank related to the purchase for {$2300.00} of a TV and related small accessories. The agreement provided for no interest charges provided timely payment was made during a promotional period ending XX/XX/XXXX. 
I set up autopayment at XXXX XXXX XXXX  to make the payments and, wary of late payment issues, set a date early into, and in some cases prior to the start of the next billing period. Synchrony ( on three occasions ) applied the early payment to the previous month ( which had already been paid ) and levied a {$35.00} " Late Payment Fee '' for the following month. ( This is, I believe, similar to a practice that XXXX XXXX Bank engaged in, and for which it was fined. Accordingly, I will copy the office of Senator XXXX XXXX. ) Note that there was NO NOTICE that the fee was related to an early payment. 
When threatened, they said they would " waive their legal rights '' and repay the fees. I subsequently reviewed the account balance and paid the account in full. Whether I get the late fees back is largely immaterial ; important is that Synchrony is mis-applying early payments ( is the word " deliberately '' necessary here? ) and it is, I suspect a practice that many of their customers won't catch and won't have the knowledge to reverse. There is a class of victims, I suspect, who need your help. Thank you.