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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused XXXX.
Product: Vehicle loan or lease

I signed a contract with XXXX XX/XX/XXXX and united auto credit would not fund the loan until XXXX the XXXX so I got my car XX/XX/XXXX from from they would not release without fund they added on a payment for XX/XX/XXXX and are trying to strong arm the consumer out of money I haven't had my car a month yet and still don't have hard plates but they want a payment
Product: Credit reporting or other personal consumer reports

I applied for a credit card with American Express and they said that I was approved and they were sending me my credit card and I would get it on XX/XX/XXXX and when I asked for a tracking code they never gave me one and they said that I was going to get my card on the XXXX by the end of the day and I never got it and I have tried to contact them to find out why they don't answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to get my credit report pulled by my mortgage company in order to start the process of buying a home and have already had issues with my bank getting my credit information and scores from Equifax and was told by the bank there must be a freeze on the information. I contacted Equifax several months back around XXXX to find out what the issue was with my bank unable to pull my information and originally was told there was not a freeze on the account but that my old address was still reporting and that was causing the issue. We attempted to have the mortgage company pull the report again using my address from 3 years ago but they still could not obtain the information. Customer Service with Equifax told me to fax my information to their Dispute Dept which I did but received a letter less than a week later stating my information was not readable and to mail a copy of my DL, SS, Rental Agreement and any other supporting documents to their XXXX address. I mailed all this plus a copy of my most current Credit Card statement in color copies to their dispute department via USPS non-certified in order to try to speed up the process and get my current address updated. I just received another letter back from them stating my information does not match their records and again to send all this information to them. I do n't know what other information I can provide as I have provided them with everything that they require plus some to verify my identity and this is now costing me even more time and money to fix their lack of properly updating my information.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Bank of America XXXX XXXX shut down my credit card and reissued me with a replacement and claimed this was because of a fraud dispute they had identified by a company called XXXX though I could not see the charge on my statement. I had a previous fraud claim against this company back in XXXX, and was told by XXXX XXXX that the company was now blocked. I asked how a new attempt could be made against my card once it was blocked -and they did not explain. The next day, on XX/XX/XXXX, two new fraud dispute claims had been entered into my card account -one for an XXXX charge and another for XXXX charge, both of which I had authorized. I told them I did not report those as fraud claims and the charges were fine. They then said the disputes had been entered by one of their fraud representatives -XXXX XXXX   . I asked how that could be since I never reported those charges as fraud and never authorized them to be entered. I believe that my privacy and card security have been compromised by these false fraud claims having been entered without my knowledge or authorization and that mu card was shut down because of this and that Bank of America will not explain what happened or why.
Product: Checking or savings account

Good morning, Im writing this complain because Im so fed up with how Bank of America treats me as a customer. This issue I have with Bank of America is happening isnt first time. They had charged me overdraft fees previously and couple times fair but other times is not at all. All my requests to waive was unsuccessful. The reason why they charge me overdraft is not because my account didnt have enough funds for scheduled payments but because of in which order they clear up transactions which is so unfair and wrong. I just found today that they again charged me overdraft fees for three transaction! Which is three times {$35.00}. These three overdrafts couldnt happen because I had enough funds to cover scheduled bills. Yet, Bank of America found they way to clear up transactions in the order that convenient for them. I spoke with customer service two times and they deny to waive it. All my logical explanations dont make any difference for them. When I asked why Bank of America deny my request to waive it, they say they cant explain. Its just denied. Ive been a loyal customer with this bank for so many years, not even saying that they took total of {$100.00} overdraft fee ( three times {$35.00} ) unfair this time and theyre so careless.
Product: Debt collection

Thank you first and foremost for representing people like myself whom feel absolutely violated by these criminals. 

I received medical services last year, and received a bill from XXXX XXXX ( XXXX ) indicating that I owed more money than my explanation of benefits letter indicated I should pay. XXXX indicated I owed over them over {$400.00}, whereas my EOB indicated I owed ~ {$160.00}. This claim was ultimately handed from XXXX to Arcadia collection agency as there was still a discrepancy in the amount to be paid, with me refusing to pay more than my EOB. At this time I contacted XXXX, my claim representative, and they had a cease a desist letter filed to Arcadia to halt any further harassment to myself. 

XXXX also advised me to pay the EOB amount only ( ~ {$160.00} ) to Acadia to prevent all further interactions with them and also advised to hand write a letter to Arcadia indicating they were no longer to harass me, which I did. 

Unfortunately, despite the hand written letter and the cease and desist letter filed, these thieves have attempted yet again to send me a physical letter demanding me to pay the remains amount of the {$400.00}, Without any proof of indicated payment due and even going so far as to suggest I outright pay them and then ask the insurance company to pay me back ... .... I am outraged. 

They may retort that the case is closed and that I have a XXXX balance. This however, is not at all what concerns me. It is their violation of the FDCPA that they need be held accountable.
Product: Student loan

I graduated in 2004 with a student loan debt of a about {$30000.00}. I have never held a job related to my career and end up paying out of my paycheck every month an amount I could not afford to pay. I called Navient several times to lower my monthly payments but I would have end up making more payments in the end. I have had a deferred payment which allowed me to stop a few payments to only moving those payments to the end of the debt. I would like to get a forgiveness student loan since I have paid for more than 18 years. 

Thank you in advance
Product: Checking or savings account

I open up this account with sofi because I wanted to change it over from XXXX app account because XXXX  I was charged me too much and I said that I wanted {$600.00} transferred for my XXXX to my sofa well being on did not let that happen so I had to use the money through my XXXX to pay my bills well so fine had took a {$76.00} out but they did not get the {$600.00} and so I'm being owner investigation because there is not enough money in mind being XXXX account because XXXX did not let me transfer my money to my sofa account and so XXXX 's been holding on to my money for over a month now and they won't let me have it they won't let me have no access to my account all I could all I could do is log in but I can't do nothing else with the account I called them I get hung up on and being told that I'm going to investigation my counsel nerve investigation I told them let me help you figure this out together and they won't do nothing with me I told okay well that's going to happen I'm going to close my account out now I want my money out and I don't want no more dealings with y'all they won't let me take my money out they won't let me do nothing until the investigation 's over with and they're not explaining to me what they're doing investigation if they're even getting up and doing anything about this post being investigation right now and I called them XXXX times already and XXXX times got hung up on or threatened to be hung up on I asked to talk to somebody higher up they hang up on me and I sent him emails when they want me to do a surveying about how I feel about their how they took care of me on the phone and I tell him I want my money I want close my town I'm not happy with y'all they won't do nothing I'm not getting nothing back from them at all and I can't touch my money deposit money do anything with anything about that account I just want to close up and I want my money back and they're not doing nothing
Product: Debt collection

Portfolio recovery associates is sueing me for money damages. XXXX, XXXX XXXX On XXXX. They are a collections company taking me to court in XXXX XXXX Tx. XXXX XXXX is the law firm that will attempt to serve.
Product: Debt collection

[ 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 : To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX ]. 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX XXXX XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted : Fraudulent Accounts : 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 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 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 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 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
Product: Mortgage

In XXXX of XXXX, due to loss of employment and income I requested forbearance under the Cares act due to the loss of income. As of XXXX of XXXX I was out of forebearance & per the cares act the lender placed the forebearance amount at the end of my mortgage or or when it is paid off. I have been current on all payments since exicting the forebearance plan under the cares out, however, I recently pulled a credit report and was surprised when I see that Ruoff Mortgage had added comments to this tradeline with the the credit agencies that the loan was modified and the modification occured under a non-governemnt plan. The loan in question is an FHA loan, the forebearance occured and terms were modified under the Cares act per the representatives I had spoke to at Ruoff I had met the terms and requirements under the cares act. Since learning of this I have reached our to Ruoff in an attempted to get clarity and retify the in accurate reporting, however, my attemps have been unsuccessful because I am either placed on hold for an extended amount of time or transferred through numerous representatives that failed to be able to provide me with any accurate information.
Product: Credit reporting

I noticed incorrect information on my credit report that belongs to someone else. I reached out to the company to dispute the information, but when they were done with the dispute they did not remove the information from my history.
Product: Credit card or prepaid card

I was first notified on XX/XX/23 through XXXX emails that an account was opened with Chase and a credit card was approved in my name. I have never banked with Chase in the past. I attempted to file with the FTC and have not heard back. Now on XX/XX/23 I have received XXXX more emails from Chase that the mobile app and XXXX XXXX were approved for the digital wallet that I do not use and do not have an app for. It also verified the receipt of the card ending in XXXX. Again, I have never used Chase for banking and do not have a credit card through Chase.
Product: Credit card

Someone living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened up a victoria secret credit card in my name maxed out the card made payments for XXXX months then stopped and now my credit is suffering. I already contacted Victoria Secret credit department and reported fraud on the account.
Product: Checking or savings account

I opened an account with US Bank on XX/XX/XXXX. 
I received a separate series of emails today with a different application number and account. 

We received your application on XX/XX/2022. Your application ID is XXXX. 
Email received Tue, XX/XX/XXXX, XXXX PM ( 7 days ago ) Your U.S. Bank Easy Checking application was approved. 

Email received XXXX PM ( XXXX hours ago ) Thank you for applying for a U.S. Bank Easy Checking Account. 
We received your application on XX/XX/2022. Your application ID is. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away Seperate email XXXX PM ( XXXX hours ago ) Application ID : XXXX
Product: Mortgage

I have a second mortgage with Citimortgage. In XXXX 2017 I called Citimortgage and told them I lived in an area that had been impacted by Hurricane Erma and I was requesting help from Citimortgage while I got back on my feet financially. The customer assistance rep was polite and told me they would be happy to help and transferred me to the " help Line ''. I talked to a woman who identified herself as XXXX, when I explained my situation to her and the fact that my daughter was in pediatric intensive care with life threatening XXXX, she laughed and told me that my personal problems were not Citimortgages concern. She then began a long monolog about refinancing my mortgage and prequalifying and filling out required forms and I hung up. Since Citibank has me locked out of my account I have not been able to make a payment since XXXX. My current balance is about 3600.00 My monthly payment is XXXX. I do n't dare send them a check or money order. They do n't get credited to my account. I did not choose Citimortgage. My mortgage was sold to them. I have never gotten decent treatment from and have been charged late fees for payments that were not late. I can not provide proof because I can not access my Citimortgage account. Oh, my requested was not just whining. My daughter has been to the ER six times since XXXX and four of those trips resulted in extended hospital stays.
Product: Vehicle loan or lease

I returned a XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX of XXXX XXXX, California. I called XXXX XXXX XXXX when I returned the car to inquire about paying off the rest of the lease. I was told the amount I owed and received a statement in the mail as well. I made the full payment online and was told that my account would be closed. This did not happen. XXXX XXXX  wrongfully deducted an additional month 's payment from my bank account on XX/XX/2018.  I called a couple of times to get my money refunded and have been given the run around. I still did not receive my refund. They are crooks!
Product: Credit card

I checked my credit score in XX/XX/XXXX and it was in the high XXXX 's. This last week, I was applying for a construction loan and my mortgage loan originator told me my credit score dropped about XXXX points due to a charge-off from Citibank Credit. I had paid off my Citibank Card in XX/XX/XXXX to XXXX balance. Citi at some point in the XXXX tacked on on {$4.00} in interest, but I did not know. They closed my account on XXXX/XXXX/XXXX and did a charge off for the {$4.00} which dramatically affected my credit. I had been a loyal and faithful customer since XX/XX/XXXX but this kind of practice is absolutely absurd. They should have either a ) canceled out the remainning balance on good faith since I 'd been a good customer or b ) notified me that this balance remained so I could quickly pay it off. I need this report to be corrected so that the credit agencies can bring my score back up to the high XXXX 's and I can move forward with this mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on my credit report.