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

I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While Equifax shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off  Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ 1debt would be EQUAL the negativity weight as a XXXX XXXX  ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a XXXX XXXX  would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Product: Credit card or prepaid card

Account # : XXXX We applied for a XXXX XXXX XXXX XXXX Mastercard with the company and were approved for an account on XXXX XXXX with a credit limit of {$1500.00}. The company said we were approved for fuel, maintenance, business expenses, international and internet purchases. The cards we were sent in the mail were fuel cards with maintenance expense capabilities. Because the other features were locked, we requested new cards. I have been working on this for the last two months. Finally after having spoken with multiple supervisors in the customer service department, our company was sent the two credit cards for which we applied. The cards were receied in the mail and we were told that they are open to all expenses but then 4 hours later we received an email saying that we weren't approved and the cards were locked from our account. We scanned and sent in the agreement which was sent to us on XX/XX/XXXX but the company doesn't care. 

We were also charged multiple times for different amounts that what we approved them to bill us for which was a payment in the amoujnt of {$290.00}. Here are the confirmation numbers : XXXX, XXXX, XXXX The email we received was on XX/XX/XXXX saying that the credit department had approved the cards being sent out to us, and now they are declined so the cards are blocked. We applied for the business cards in XXXX and were approved for that, and the company sent the wrong cards. They sent fuel cards and we never applied for that. We were sent to new accounts who informed us that a second application was opened in our name but because we had a recently submitted application within the last 3 months, that was also declined. We never submitted a second application. We called to have the problem that customer service caused fixed, but that never happened. The company then said that the credit department says we have " high risk credit '' and that is their reasoning as to why they are currently blocking our issued credit cards. 

However, that isn't the case either. 

We have made our payments on time, do not owe them money, and we have a credit line with another company for {$10000.00}. That company is called XXXX, XXXX and they have given us a {$10000.00} credit line so clearly we do not have bad business credit. Our XXXX credit account isn't personally guaranteed by any of our authorized users because we have very good business credit. Additional verification by the credit bureau XXXX XXXX XXXX is being attached with their recommended credit card limit of {$7500.00}. We are a partner of the XXXX  XXXX XXXX XXXX, so we have attached that. Their claim of having bad business credit is therefore a lie and it's a violation of the FCRA to do what they are doing. 

We are attaching the cards, the request to the XXXX XXXXXXXX XXXX  Directors, and the documents so that the case may be further looked into.
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 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  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: Prepaid card

I received an American Express XXXX XXXX and keep getting declined everywhere I attempt to use the card online. The original value is {$87.00}. There have been multiple pending transactions, but purchases are declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of your response to my complaint on XX/XX/2023. Please be advised that the response did not provide full details of the account, nor was the pertinent information that was said to be listed, listed. Furthermore, in response to the statement, Your complaint did not identify what inaccurate information you believe is reporting and we were unable to investigate further, Please note, that I am fully aware of my rights as a consumer and the role of the furnisher during an investigation to provide the requested documentation pursuant to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an incorrect balance, and an incorrect past due balance on XXXX partial account number XXXX. This is a Fair Credit Reporting Act ( F.C.R.A. ) violation because it has not been updated since 2013 and F.C.R.A. mandates it be updated every 6 months. ( Please see page 13 of my credit report attached. ) In addition, we have filed dispute letters to Equifax and they have never corrected it. This account should be balance owed {$0.00}, past due {$0.00} and the status coded as XXXX instead of XXXX with a comment of paid or closed, XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have 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 an account without my written instructions. 

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

Bank of America is not applying payments on promotional offers according to 12 CFR Part 1026 properly. Section 1026.53 Allocation of Payments, ( b ) Special Rules, ( i ) Last 2 Billing Cycles " ... except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject first to the deferred interest or similar program ... '' and ( ii ) in the manner requested by the consumer. Our dozen other major credit card providers apply payments correctly. As BofA shareholders this is concerning due to the implied exposer to potential liability for the bank.
Product: Mortgage

Guaranteed rate knowing and willfully defrauded me out of thousands of dollars due to errors in my escrow account. This has been going on for almost a full year, i've made multiple attempts to correct with them directly. 

on XX/XX/XXXX guarenteed rate was contacted by my previous insurer XXXX XXXX XXXX  in regards to a payment due for my insurance policy which is escrowed. The payment was to be overnighted to ensure timely payment of the policy. 

On XX/XX/XXXX XXXX XXXX VP of Lending at Guarenteed Rate informed XXXX XXXX XXXX  a payment had been disbursed in the amount of {$470.00}. This payment was never received by XXXX XXXX XXXX. 

On XX/XX/XXXX I contact Guarenteed rate about this payment and again explained it needed to be overnighted to avoid policy cancellation the representative said it would take up to 10 business days to receive the disbursement. 

Due to this payment never being received on time my insurance carrier cancelled the policy and caused a lapse in coverage on my property. This policy was {$470.00} - with this lapse in policy Guarenteed Rate purchased forced placed insurance in the amount of {$3500.00}. 700 % more expensive even though this was caused by there lack of timely payment. 

This caused a significant increase in my monthly payment. In addition to the above I switched insurance carriers on XX/XX/XXXX and emailed Guatenteed rate a cancellation letter on XX/XX/XXXX. Guarantee rate proceed to disperse payment on XX/XX/XXXX for a policy I had already canceled. This once again caused a significant shortage to my escrow and another {$210.00} increase to my monthly payment. 

I've called multiple times, requested an escrow analysis, send documentation as proof, and yet still Guaranteed Rate will not fix my escrow.
Product: Credit reporting or other personal consumer reports

I recently tried opening a bank account and was denied due to reporting by ChexSystems. These were the fraudulent items on my consumer disclosure. 
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  These accounts are fraudulent and are a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my passport and social for verification. Also I included scanned copies of the Chexsystems Report that includes the false information. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I would like these fraudulent inquiries removed immediately
Product: Mortgage

I sent the letter to my service mortgage company below addressing my complaint about my credit reporting and misinformation of their loss mitigation department when I first reported my COVID related unemployment and requested a mortgage forebearance on XX/XX/XXXX and XX/XX/XXXX and was told for almost two months I needed to submit more information and rewrite my hardship letter. Fast Forward XX/XX/XXXX after I called almost daily and even ill with XXXX  and unemployed had to go to XXXX XXXX and make copies and scan applications, bank statements and required 300 page tax forms. The only representative knowledgeable enough to tell me that I did not need to send in any paperwork because my request is XXXX protected, told me they will submit it correctly and that my forbearance will start XX/XX/XXXX and they dont have a way to back date even though I reported my request due assistance to begin with in XX/XX/XXXX was XXXX related. Please see my attach Loss Mitigation Application dictating that my unemployment is due to XXXX related and other illnesses which day completely ignored. All I wanted was for them to report my account current that I am in forbearance and if at all possible allow the forbearance to start XXXX since I reported it on XX/XX/XXXX and XX/XX/XXXX and every day in XXXX, but no one was able to help me. I am still unemployed and still suffering from XXXX side effects. Please read the letter below. This is the exact letter I sent to my mortgage servicer which they said they cant do anything and I still have to pay XXXX and XXXX. Even though I told him that I dont have a job and dont qualify for unemployment I am struggling to even put food on the table so please help and escalating this complaint. 

See letter I sent on XX/XX/XXXX to my mortgage services below : To whom it may concern Please look at the very bottom email stamped in dated XX/XX/2022 requesting on the hardship letter a Covid forbearance related resulting in unemployment. I have been misinformed by the Loss Mitigation department the very first time I sent in my request and it shouldve been coded as Covid related forbearance and that the forbearance shouldve started in XXXX. Now I am moving into 90 days in arrears when it couldve been prevented if the right questions were asked and the right application were put in place for XXXX related unemployment ; these were also uploaded to my portal please resubmit the credit reporting to reflect forbearance starting in XXXX and remove the 30 to 60 days late. I would appreciate a phone call back, and I would formally acknowledge the complaint I fell this morning regarding miss information from the initial agent that took my call when I applied for help. Had it not been for the young man who took my call today I would still be waiting and will be in deep trouble. Even though my request is XXXX related. 

I will be waiting for a call XXXX  Thank you, XXXX XXXX
Product: Mortgage

I signed up with our mortgage service company Select Portfolio Servicing , Inc. ( SPS ) for what I thought was a forebearance program where they would move missed payments to the end of our mortage. We were approved XX/XX/2021. Several of our missed payments seem to have been moved to the end of our mortgage ( {$32000.00} ). 
But for reasons I don't understand and was not informed of, SPS seems to have stopped moving our missed payments to the end of our loan. Instead we received basicially a balloon payment order from SPS ( XXXX XXXX, 2021 ). In their Repayment Plan we were to pay {$9100.00} over XXXX  months starting in XX/XX/2021. This is a huge payment and way beyond our ability to pay. We are retired and on a relatively fixed income ( I'm XXXX XXXX XXXX, my wife XXXX is XXXX ). 
According to your regulations, due to XXXX, SPS should allow us to " resume regular payments and move any missed payments to the end of the mortgage ''. SPS refuses to do this. What can we do? Do we have any legal recourse or remedy? Can you please help us?. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, www.spsservicing.com
Product: Credit reporting or other personal consumer reports

I lost my wallet in XXXX. Around that time, ive notice unauthorized accounts starting to appear on my credit profile.
Product: Credit reporting

I have a credit inquiry on my Equifax report that is from XXXX - XXXX it 's dated from the day someone tried ( without success ) to steal my debit information. XXXX/XXXX/2016. I ca n't find any company with this title. I also am marked as having a credit history for only 4 years but I am XXXX and have a credit history for 40 years!!! What can I do?
Product: Mortgage

*THIS IS A XXXX REQUEST FOR THIS INFORMATION**DO NOT REDIRECT THIS REQUEST TO WELLS FARGO AS THEY INSTRUCTED US THAT ONLY XXXX XXXX CORPORATE TRUST DEPARTMENT WOULD HAVE THE INFORMATION WE ARE REQUESTING. 
XXXX CORPORATE TRUST DEPARTMENT HAS PROVIDED US WITH THIS INFORMATION PREVIOUSLY VIA EMAILS AND DOCUMENT VIA REGULAR MAIL. 

WE SIMPLY WANT XXXX XXXX XXXX XXXX DEPARTMENT TO CONFIRM THAT OUR MORTGAGE ( XXXX / XXXX - XXXX XXXX XXXX, XXXX NECK, NJ XXXX ) WAS REPURCHASED IN XXXX OF 2009 BY WELLS FARGO FROM XXXX XXXX XXXX A CUSIP - XXXX. WE HAVE OBTAINED THIS REPURCHASE INFORMATION DIRECTLY FROM THE XXXX CORPORATE TRUST DEPARTMENT VIA EMAIL AND REGULAR MAIL AND WANT IT CONFIRMED HERE IN ORDER TO FOREGO SUBPOENA.
Product: Money transfer, virtual currency, or money service

Huntington Bank accepted via a photo-deposit transaction two Cashier 's Checks, one for {$22000.00} and one for {$7000.00}. Both were written as " Pay to the Order of : XXXX XXXX XXXX ''. Both checks were endorsed improperly, hand-signed by XXXX XXXX XXXX and then photo-deposited into his personal bank account at Huntington. The money was then withdrawn and stolen from the company. Huntington says the checks were " properly endorsed '' and that they did nothing wrong. My research says that Huntington should never have allowed the checks to be processed without a full and complete endorsement by the Company itself, and they arguably also should not have allowed the clearly-worded commercial-payee checks to be deposited into his personal account. Huntington has  come up with all kinds of excuses for justifying their actions but the situation remains that the endorsement on both Cashier 's Checks was never completed in the name of the payee, which should have caused both checks to be refused for deposit. The XXXX makes this quite clear. For its error, Huntington owes the construction company the {$29000.00} that it never should have let through the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Inquires on my credit report XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XXXX XXXX, 2022
Product: Credit reporting

On XXXX, I obtained a copy of my credit report. Within that report was a Medical collection, Account Number XXXX, Date Opened : XXXX ; Balance Date : XXXX ; Balance Amount : {$360.00} ; Date of Status : XXXX ; and, Status : Closed. On XXXX, I wrote to Equifax indicating inaccurate reporting and to validate said alleged collection. On XXXX, Equifax responded with an entirely different account number ( XXXX ) ; Amount - {$410.00} and Balance as of XXXX - {$0.00} ). This is in violation of Federal Law due to inaccurate reporting. On XXXX, I again wrote to Equifax asking for validation of said alleged debt. Equifax again responded on XXXX, with the same letter that they sent to me on XXXX. On XXXX, I again pulled my credit report to find that Equifax is reporting the new information that they provided to me on XXXX and XXXX. In addition, my credit report has never been marked that this account is disputed. These are clear violations of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Lexis Nexis to suppress ALL person information and information included in the C.L.U.E . report. I notified them by certified mail, however my information is still being accessed by third party and is still available to telemarketing and various other entities.

As it is my RIGHT, this information is not available to anyone without my written consent.

I was a victim of fraud and data breach. This information belong to me. Lexis Nexis has no right to provide without my person.
Product: Credit reporting or other personal consumer reports

I called Equifax Information Services and spoke to the Fraud Department about my consumer profile and put them on notice of the information that arose out of identity theft and let them know that the information needs to be deleted from my consumer profile and to send me an updated copy of my consumer report with the correct information... 

I let them know I only have one name, one address, and one phone number ; and I also provided The correct information to them and they continue to report this inaccurate information on my consumer profile... 

I told Equifax that they're violating my consumer rights which is against the law and is up to {$1000.00} per violation plus actual damages they continued to violate me by sending frivolous correspondence in the mail which by the way is mail fraud because I believe ignorance of the law is no excuse when Equifax is not taking proper precaution to make sure that Equifax is reporting 100 % accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a account with XXXX XXXX, I contacted them and reported fraud and they closed the account opened. I want this off my credit bureau report.
Product: Credit reporting or other personal consumer reports

This response by XXXX XXXX XXXX XXXX indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and XXXX XXXX XXXX XXXX, or my non-public private information, to be furnished or published by XXXX XXXX, its non-affiliated third parties, or any consumer credit reporting agencies, including Experian, XXXX, XXXX, XXXX, and others. 

As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within XXXX business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 


See attachment.
Product: Student loan

I have contacted the Servicer multiple times in an attempt to correct my credit reporting information. I even had a conversation with the loan guarantor along with a member from the escalations team of the servicer. The guarantor explained to the servicer that the loan should have been granted coverage under the CARES Act based on the updated information shared in XXXX of XXXX ( Link below ) XXXX XXXX XXXXXXXX To which the servicers said they ( Nelnet representatives ) have nothing that states that information and they ( Nelnet Servicer ) didn't make any error on placing the loan in default. 

Given the guarantor is going to following the XXXX XXXX XXXX guidelines provided for the Department of Education, the request was to correct the credit reporting as it is negatively affecting borrowers until it gets corrected with the XXXX XXXX XXXX. I am sure there are other borrowers who will have a similar impact and this should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and SYNCB/XXXX  ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and SYNCB/XXXX XX/XX/XXXX.