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

To Whom It May Concern, I am submitting this complaint against Equifax due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These inaccuracies are unjustly harming my creditworthiness and financial opportunities.

1. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. This account must be removed immediately : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} XXXX. Closed Account with Unfair Late Payment Marks The following closed account reflects late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX XXXX  XXXX ( Account Number : XXXXXXXX  ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed, as they do not meet legal standards for fair and accurate reporting. 
XXXX. Inaccurate and Unfair Late Payment Reporting by Equifax Equifax has inaccurately reported late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

This misreporting also violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors. 
I have already disputed these inaccuracies with Equifax, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unwarranted damage to my credit score.

4. Request for Immediate Investigation and Correction I formally request that Equifax conduct an immediate investigation and remove the inaccurate and unauthorized items from my credit report. These errors are a direct violation of federal law and continue to cause significant financial harm by limiting my ability to obtain fair credit opportunities. 
I have attached supporting documentation, including my FTC identity theft report ( ( FTC Report Number : XXXX / XXXX ), to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that Equifax takes appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

In XXXX of XXXX, I purchased my first home through XXXX XXXX. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to BSI Financial Services from XXXX XXXX. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX Accessor office, advising that my taxes have been past due since XXXX. I tried to call BSI for information as to why this was happening. BSI kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted BSI once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to BSI, they advised that when they received the loan from XXXX  XXXX, they mentioned there was no escrow balance transferred to them from XXXX. They mentioned that maybe XXXX had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both servicers as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage servicers was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage servicers. Neither BSI nor XXXX XXXX wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, XXXX XXXX or BSI financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.
Product: Checking or savings account

I had my personal information stolen after opening a new business and an est. amount of XXXX that was missing and I also had company fuel cards stolen using an est amount of XXXX, XXXX, XXXX XXXX with XXXX XXXX, capital one 360, capital one spark, XXXX XXXX personal and business, XXXX  XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX, XXXX I did file police reports after each time that my semi-tractor trailer was broken into without my permission some of the companies that I was working for is the same individual that broke into my semi and stole all of my personal and business information and I have a lot more evidence that can not be said as of yet.
Product: Credit reporting or other personal consumer reports

The item on my credit report does not belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX report the orginal credit is not listed but is listed with XXXX this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX  and XXXX showing XXXX systems for XXXX status ( open ) but for XXXX and Experian as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX systems for XXXX status ( open ) but for Experian as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.
Product: Debt collection

I am writing this letter in regard to an issue that has presented itself. I had an outstanding balance on a XXXX XXXX credit card account about 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to have record ), XXXX XXXX set up automatic payment on their end which were completed and terminated by XXXX XXXX when settlement amount was reached in XXXX 2017. Approximately few weeks ago I received a letter from a debt collector stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call them bank and they refused to speak with me -- stating that my account was sold to debt collectors and I have to speak with them, I am a single mother and feel like I am stuck in-between because of a mistake made by XXXX XXXX. I obtained proof of all payments from my bank and sent them to debt collectors and according to them they contacted XXXX XXXX twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00} instead {$93.00} '', when I explained it was set up on their end then they answered on 2nd request from debt collectors that they never even settled this account and I was just paying toward my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX account XXXX ; XXXX  account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX XXXX account XXXX ; and US BKPT account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit card

I rented a car with allied car rental using my CITI XXXX XXXX card. During this time I received a XXXX $ parking ticket which I paid online. I then received a charge for XXXX from allied car rental saying it was for a parking ticket. I provided them the details about paying said ticket including the confirmation of payment email. I asked them to provide me further information or reverse the charge. They denied. I filed a report with CITI banks saying it was a fraudulent charge. CITI opened a case and closed it promptly not reversing the charge. They proceeded to charge my card again for XXXX with no explanation. I filed another billing dispute / fraud dispute with CITI and it has not been resolved for over 3 months. They havent issued a credit for this unauthorized charge and it is incurring late fees and interest. I called to ask them why they didnt issue a credit while its under investigation and they said not to pay it yet that it wouldnt incur charges or have a late fee. That person lied and now I have a late payment that is shown on my credit report. CITI has been no help resolving this issue and no representative seems to understand what is going on. Ive been on the phone with them for over XXXX hours being transferred and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repetitive Incorrect information on my credit report.
Product: Debt collection

An account with XXXX was sent to collections and is now reporting to my credit report. Convergent Outsourcing Inc . This is the XXXX collection agency. At the time that I ended my services with XXXX I canceled my service and was n't under a contact. So there was n't an early termination fee. After the collection reported I called XXXX to inquire about the charges. The nice representative was n't able to give me much information and unable to send me a bill that stated what these charges were for. She did tell me that my account was now being handled by Convergent. XXXX was not able to verify this debt and the accrued charges AFTER I canceled my services. The Federal Trade Commision alleges that XXXX was billing and Cramming bogus charges to its customers. I believe I am a victim of this unfair practice. 

Without proper verification of debt and XXXX not being able to tell me exactly what these charges are for I am requesting that they remove stop all collection activity.
Product: Credit card

I have paid the entire balance off of this card and will not use it. There is a negative balance of XXXX. I want a paper check in the amount to bring the balance to absolute XXXX.
Product: Bank account or service

I had an HSA account with Wells Fargo for the past several years, and a few months ago, Wells Fargo notified me that they were closing their HSA business and that they would be closing my account and sending me a check for the balance. I subsequently got a call from Wells Fargo XX/XX/XXXX asking me if I would like to have my HSA automatically transferred to XXXX since they were selling their HSA business to them. I asked specifically about fees and he said that there is a monthly fee, but it is waived for balances over a certain threshold, which I met. So I then agreed to have it transferred. 

I just checked last Wells Fargo statement and I was charged a transfer fee of {$430.00}! At no point did the representative mention this fee even though I specifically asked about fees. A {$50.00} fee would have been unacceptable given that I did n't agree to any fee and I should n't have to pay a fee just because Wells Fargo sold this business to XXXX. A {$430.00} is just predatory. I could have rolled my balance into my other HSA for free, like I was planning to until I got this call from the Wells Fargo representative. 

I have contacted Wells Fargo regarding this fee, and they have directed me to XXXX since they no longer have the HSA business, even though the fee was charged by Wells Fargo.
Product: Vehicle loan or lease

in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. Upon careful review of my recent credit reports from Equifax, XXXX, and XXXX, I noticed several late payments that are incorrectly reported. I request an immediate investigation and correction of these inaccuracies. 
Here are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX  ) o Reported late payments : 30 days ( XX/XX/2024), 60 days ( XX/XX/2024 ), 90 days (XX/XX/2024 ), 120 days ( XX/XX/2024 ), and 150 days ( XX/XX/2024 ). 
o Payment records show consistent and timely payments during the reported period. 
2. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/2024 ), 60 days ( XX/XX/2024 ), and 90 days ( XX/XX/2024 ). 
o Payment history does not support these claims.

3. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$510.00} o Reported late payments associated with this balance, updated on XX/XX/2024, are incorrect. 
4. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$610.00} o Reported late payments associated with this balance, updated on XX/XX/2024, are also incorrect. 
I respectfully request that the incorrect information be verified with the creditor or removed promptly from my credit report. 
Additionally, I ask that you provide written confirmation of the resolution of this dispute. If you require further information, feel free to contact me Thank you for your attention to this matter. I look forward to your prompt response, as required under the FCRA.
Product: Money transfer, virtual currency, or money service

Hi I used PayPal on XX/XX/XXXX to receive funds from a buyer for some furniture that I was selling. The buyer sent the funds to my PayPal account XX/XX/2020 Payment from " Buyer name removed ''. PayPal has held the money stating that the amount of money sent to me was unusual for the sender. That said, they have had twenty days to contact the sender to verify that the sender had intended to send the money. They have done nothing and have not released the funds to me. 

They are totally unresponsive through the PayPal customer chat service.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation in my account transactions closed and active accounts.
Product: Mortgage

Wells Fargo committed fraud and identity theft on my mortgage through them. They put extra payments onto my mortgage for close to 10 years for items that I never knew about. You need to actually do something and not send my complaint back to them to judge themselves.
Product: Credit reporting or other personal consumer reports

I have requested several times for the three major credit reporting agencies to remove all other names, addresses and phone numbers offer my credit report except for the ones that I have given them. I only have one name, which is, XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX, AND I AM THE CEO OF XXXX XXXX XXXX XXXX THAT IS MY JOB, WHERE ARE WORK. I have asked them to remove any and all other information. Because it makes it look as if I move around a lot. The truth IS that I was in the XXXX XXXX XXXX for twenty three years and yes, I didn't move around a lot, but during that twenty three years that was my job so I had to do what I had to do I am asking for help because they do not want to remove all the other old and outdated information. Which, in turn harms me from obtaining auto loans and other things that I need to take care of my family.
Product: Credit card or prepaid card

Not receiving Capital one venture x card XXXX travel credit. Tried contact the company XXXX times. They Said it will take up to XXXX billing cycles but it has been XXXX billing cycles. 

On XXXX, I made a travel purchase qualified for XXXX dollar cash back at capital ones travel portal. Iast time I called them I XXXX  They said they file the complaint and credit should show up within 10 days but not. Therefore seeking outside help! Thanks
Product: Mortgage

I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/2020. My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within XXXX hours and was given two confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither 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 frau
Product: Credit reporting or other personal consumer reports

XXXX XXXX  brought my vehicles loan from XXXX XXXX XXXX to refinance my vehicle after doing so XXXXXXXX XXXX had started my vehicle loan from the very beginning, making me have to repay the vehicle as I had just bought it from them showing that none of my prior payments went towards anything after talking to them about this they told me this was perfectly after refusing to pay. They repossessed the vehicle and charged it off, damaging my credit report and reporting fraudulent reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a ID Theft Affidavit and police report detailing a fraudulent account on my Transunion credit report. I asked them to block the information from reporting. I am providing proof that Transunion received the correspondence on XX/XX/2020. The account is from XXXX XXXX. The account number XXXX. As of the date of this complaint Transunion has failed to remove the fraudulent information.
Product: Debt collection

Portfolio recovery associates placed a negative item on my credit report with out notifying me.portfolio recovery associates violated the early warning clause of FACTA section 623 ( A ) ( 7 ) .this law requires collectors to notify me by mail before placing negative items on my credit report.