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

The consumer reporting agency, EQUIFAX XXXX, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022, did EQUIFAX INC. investigate to verify this information to be true? 

XXXX XXXX XXXX received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EQUIFAX INC. assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EQUIFAX INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax, XXXX  and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.
Product: Credit reporting

XXXX is reporting on my credit that I owe them XXXX from back in XX/XX/XXXX but I did not open an account until XX/XX/XXXX, I feel that my identity was used without my knowledge because I do not have a balance with XXXX and still use them as my phone carrier today.
Product: Checking or savings account

I called Bank of America on XX/XX/XXXX to ask them if I can deposit a third party check into my checking account, they asked the amount {$2000.00} and if I had ever had a check deposit return and I said no and I was told that I could deposit the check as long as it was endorsed by the third party. I deposited the {$2000.00} dollar check into my account on XX/XX/XXXX as instructed, the check was made out to my neighbor and he endorsed it and wrote deposit to # my account number. On XX/XX/XXXX I wake up to find out the check deposit was returned and now I am being charged a bunch of fees 4 {$35.00} overdraft fees. This is a deceptive practice becase I was given incorrect misleading information. I am also a military veteran and single father of XXXX kids, I called Bank of America and they offered no help, they expect me to be overdrawn without gas money or food for 10 days while I wait for snail mail to send me a legal copy of the check. Bank of America offered me zero help, and only offered me an empty apology. They are not willing to waive fees even though they advised me their own employee gave me incorrect information.
Product: Credit card or prepaid card

Over 2 billing cycles I noticed the interest being charged on a cash advance was not decreasing, on XX/XX/XXXX I contacted capital one to inquire. My minimum payment is {$25.00} I made a payment for {$170.00}, however, entire payment was applied to my purchase balance and {$0.00} to cash advance. I asked them to apply some of my payment to the cash advance balance and I was told it was not allowed until my purchase balance reached {$0.00}. The reason being is the apr for cash advances and purchases are equal. And they can choose how my payment is applied. I feel this is a loop hole being used by credit card companies to circumvent the credit card act of XXXX to require payments in excess of the minimum payment to be applied to balances with higher apr 's. Thus allowing them to continually rake in more profits and taking advantage of the ill informed consumer. I just feel that if I'm paying over the minimum payment that those funds in excess should at least be spread equally to all balances to provide me with the opportunity to lower balances that could be costing me more interest because the balance is higher.
Product: Credit card

There is a inquiry on my credit report for Jcp I have not inquired for Jcp and I live in XXXX not XXXX not sure who did that but that one is not me and should not be on there and would like you to look into that and release it from my report
Product: Debt collection

and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent
Product: Checking or savings account

On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills. 

I live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va. 

Today ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.
Product: Credit card or prepaid card

JPMCB - United Mileage Plus Awards card. Credit limit since open has been {$17000.00}. Account used and paid off monthly. JPMCB reduced credit limit to {$8900.00} due to low utilization. Stated that hard copy letter mailed to address. Letter never received. Refused to restore credit limit without hard credit inquiry ( double penalty to credit score ), although original CSR stated that they could have returned credit limit if I had contacted within 30 days of letter ( currently around 45 days ). Can not respond to letter that I never received. Only notified through credit monitoring service ( XXXX  ). No copy of letter available on online account to reference either. Would cancel card, but that would hurt credit even more than maintaining at lower balance. Request that limit be restored to previous without additional credit inquiry. Nothing has changed in credit report to warrant reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report that EQUIFAX is reporting because I do not know whos account that is, the name of the account is XXXX XXXX, I received a copy of a paper from EQUIFAX telling me that the account is not being reported on my credit report but that is not true because the account shows as being reported on different places like XXXX XXXX and the EQUIFAX.com/dispute. I have included a copy of the paper as proof.
Product: Debt collection

Have been emailed on XX/XX/21, XX/XX/21, XX/XX/21 to collect a debt that my father owes. They keep message me as if I am my father XXXX XXXX. TrueAccord account number is XXXX. The company is TrueAccord at XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. And they say it's for a XXXX account ending in XXXX. They also refer to an XXXX XXXX XXXX in the email too. Plus when I called to resolve this situation with their company I was hung up on and had my phone number blocked.
Product: Debt collection

XXXX. Introduction : I, XXXX XXXX, am writing to formally dispute the debt referenced below that your agency has contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you validate the alleged debt as I do not acknowledge or recognize it. 
2. Debt Details : o Account XXXX : XXXX XXXX Amount of Debt : {$410.00} XXXX. Request for Validation : Under the FDCPA, I request the following information to validate the debt : o Name and Address of the Original Creditor. 
o A Copy of the Signed Agreement that initiated the debt obligation.

o Detailed Breakdown of the amount owed, including principal, interest, fees, and charges.

o Proof of Authorization to collect this debt on behalf of the original creditor.

o Chain of Custody Documentation showing the transfer of the debt from the original creditor to your agency ( if applicable ).

4. Legal Notice : According to Section 809 ( b ) of the FDCPA, you are required to cease all collection efforts until this debt is validated. If this debt can not be validated, I request that : o All Collection Efforts Stop Immediately.

o Corrections are made to my Credit Report, removing any reference to this collection.

5. Expected Response Time : I expect to receive a response within 30 days. If you fail to respond within this time frame, I will assume the debt is invalid.

6. Compliance Notice : Failure to comply may result in complaints being filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), or my state 's Attorney Generals office. 
________________________________________
Product: Credit card

On XX/XX/year> someone hacked into my Chase account and redeemed XXXX points onto gift cards. Chase acknowledged the fraud and said the points would be credited within three weeks, however when I speak with then they just tell me the account is under review and there is no one to speak with. The department that deals with this does not answer inquiries. This same thing happened less then a year ago and Chase credited the points back within days. The hard part about the whole thing is that Chase does not offer two step authentication in their rewards portal. Even with checking my account daily there is nothing to prevent this from happening again as Chase does not have the necessary safeguards in place.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I wire money to my girlfriend, the first time {$50000.00} to start a business on XX/XX/year> the second time I wired $ XXXX on XX/XX/year> this money comes from the sale of my house I got closing papers from were money comes from the bank closed my account and had taking my money I wire and the money I had in my bank account $ XXXX can I help me the bank refuse to talk to me or get this resolved I am a USA citizen XXXX is not right the bank owe me $ XXXX I got documentation were my money comes from
Product: Prepaid card

I am trying to use an AmEx gift card that I received as a XXXX gift. I was able to make XXXX small purchases bringing the balance from {$250.00} to {$210.00}. Since then, everywhere I have tried to use the card ( XXXX, XXXX, XXXX, in-store at my local grocery ) has been declined. According to AmEx, the card is active and should work ; however, when I press to ask where I can spend the card, I am told just keep trying different places.
Product: Checking or savings account

XX/XX/year> and XX/XX/year> the amount was XXXX and XXXX I call cash app and ask them why they was XXXX taken out of my account they told me nothing and Everytime i try to send money to anyone they froze my account after taking to them
Product: Checking or savings account

I would check my balance and it would show positive then would give me a service fee plus an overdraft fee on top of the service fee. This occurred many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have notice fraudulent Account Name XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reason with XXXX credit about my credit reporting, every time someone looks at my credit all other credit bureaus take 5 maybe 10 points off, XXXX XXXX XXXX points the minimum, I'm no understanding WHY??? I have called try to explain multiple times now since i made them mad they just took XXXX points and i was told because i Purchase a house and have a Morgage. REALLY???? I WAS TOLD TOO BAD BY THIS LADY XXXX XXXX XXXX, JUST BECAUSE I HAVE A MORGAGE NOW I NEED TO BE PUNISH, NOPE DONT THINK SO First of all this is not a government entity and there for no they should not have my information don't care that someone invented to mess up with people 's life 's. NOT A GOVERMENT ENTITY
Product: Checking or savings account

I opened a savings and checking account to obtain a {$700.00} bonuses ( XXXX checking & XXXX savings ) and have yet to receive the bonus? I called CITI and they said it will be 90 days from the date of the call.
Product: Credit card or prepaid card

On XX/XX/2021 I made a payment of XXXX dollars due on XX/XX/2021. 
On XX/XX/2021 I made a payment of XXXX for a XX/XX/XXXX due date. 
I was charged a late fee for XXXX. I've been trying to rebuild my credit and was really paying attention to what's going on. I contacted commenity bank in regards to this and they said they will not dismiss the charge and are reporting it as late to the credit reporting agencies. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; RESIDENT VERIFY XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX {$1600.00} XXXX XX/XX/XXXX, is not complete and accurate. Also there are inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquries remove and update my credit report. And one more thing according to 15 USC 1681s-2 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. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent letter by registered US Mail asking them to make sure everything is complete and accurate. They sent me investigation back and said everything is complete and accurate everything is not complete and accurate And according to and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting validation of the debt from Progressive Management Systems. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. To refresh your memory on what constitutes legal debt validation, I am provinding you a list of the required documentation. Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to purse collection activity until the debt is validated. You should be made aware the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
Product: Mortgage

I have requested the details for the mortgage amount we owe. Bayview Financial sent me a computer generated mortgage payoff letter. Bayview did not provide the detail I requested but sent me a canned letter which is inaccurate. Bayview did not provide the detail for the ( Escrow / Impound Account. ) There is no way of knowing what makes up this amount. In addition Bayview does not provide the detail for the ( Escrow Shortage Account ) in the payoff letter. The only amounts in escrow for our mortgage should be my property insurance and property taxes. Bayview will not provide any detail so I can not determine if their amounts and calculation for these accounts are accurate. 

Bayview has not verified these amounts and the amount of payoff in their letter is incorrect. After reviewing my property tax records the records show that Bayview has made a serious error and double paid the property taxes which has contributed to the incorrect amounts in the ( Escrow / Impound and Escrow Shortage Accounts ). Bayview has raised my monthly payment substantially with no explanation based on this false and incorrect information resulting from their mistake. It is likely this was also the case with XXXX XXXX which preceded Bayview as the loan servicer of our mortgage.. 

I feel strongly that Bayview is ignoring us and treating us unfairly because we are seniors and a minority.
Product: Debt collection

Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.