23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is reporting that I have an outstanding debt of over {$2000.00} on an XXXX XXXX XXXX account, which has now been turned over to a collection agency. I have never opened an XXXX account, however due to ID Theft, I have disputed this with Equifax in the past and the account was removed. Now they are reporting this debt in my name again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fullfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverified accounts unresolved.
Product: Credit card or prepaid card

I have a XXXX balance maintained with automatic payments. The credit line is over 10 years old and secured. 
For two weeks I have been receiving automated calls with only two seconds of audio from PNC bank. Trying to log in online or call in results in a message my account access is suspended. 

Speaking to customer service only gets me directed to a physical location because the account was closed with a XXXX balance, zero transactions in six months, no notice and no authorization on my part. 

No one will explain why PNC decided to revoke my 10+ year old account, where my security deposit went, why it was closed without my consent or knowledge or how they can fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF FAULT-TransUnion is in continual reporting of incorrect erroneous information making false claims on my consumer report on a mortgage which is a not late. TransUnion is not reporting in uniformity with the other credit agencies on this report and is in violation of the federal credit act and statute 1692. I will now be demanding certified information to be sent by certified mail. In the event, this erroneous information is not corrected and not deleted I will seek counsel. This needs to be deleted immediately as it stands now there is liability for possible irreparable damages and stultification of business and private issues at hand.
Product: Debt collection

I was contacted by a representative of William and fudge, XXXX, in XX/XX/2018 about a so-called school debt. He demanded immediate payment. I requested to have proof of the debt and he was unable to do so till this date. He only could articulate {$5100.00} and stated that's an amount that the school sent to him. My school loan balance is XXXX. It's an extra 26.58 % of the amount of the school loan balance if it is indeed that school. This is a criminally usurious misdemeanor according to Florida Usary law. Also, they are in violation of the FDCPA : The debt was disputed and was never proven- William and Fudge is using unfair practices ( collecting extra amounts ) and harassing phone calls.. 
I was not allowed to satisfy the supposed school loan balance after I am given proof or breakdown of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXX XXXX stating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from all three major credit bureaus and noticed that items under XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX with account number XXXX have been removed by XXXX after their investigation found them to be inaccurate. I have attached a copy of the updated credit report from XXXX showing these removals. Despite this, the same items remain on my credit reports with XXXX and Experian. I have contacted these bureaus, provided evidence, and requested the removal of the inaccurate information. However, they have not taken the necessary action to correct my credit reports. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information. This continued presence of inaccurate information is causing significant distress and financial harm. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information.
Product: Credit reporting or other personal consumer reports

EQUIFAX is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Equifax has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Equifax by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Equifax 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotionaXXXX XXXX caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : Credit Bureaus Re : Dispute of Late Payments on Account # [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to dispute the late payment ( s ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it. 

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

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

XXXX XXXX XXXX has been reporting to my Experian report for the amount of {$3200.00}. 
I dont know this company I have never done business with this company this company doesnt have any contract with my written signature.
Product: Credit card or prepaid card

I paid my Capital One account in full in XX/XX/XXXX. In XX/XX/XXXX Captial One charged a membership fee of {$39.00} but failed to notify me that the charge had been made or that I owed the amount. 

Capital One continued to charge late fees & interest on top of their membership fee until the card accrued a balance of - {$150.00}. 

On XX/XX/XXXX I received notification from XXXX that there had been 8 recent inquiries to my credit report which prompted me to immediately check my credit cards for unauthorized charges. 

I logged onto Capital One to discover that not only had they charged my card as detailed above, but as of XX/XX/XXXX closed my card. 

After discovering the charge I reached out to Capital One however, they were of little help & continued to repeat that the card had been closed. 

Between XX/XX/XXXX and XX/XX/XXXX Capital One sent no notification that my account had a balance or was past due. Instead they chose to close the account which could potentially have a negative impact on my credit score. 

I have attached an activity summary between XX/XX/XXXX & XXXX that illustrates what I have outlined above. 

I feel that I have been treated unfairly & furthermore that, through no fault of my own, my otherwise good credit history has been tarnished.
Product: Checking or savings account

My name is XXXX and I recently opened a checking account with Citi bank and I work as a driving instructor so my job pays me every single month. When I deposited a check last week on my XX/XX/22 the money processed in about 3 days. After the second day passes by I come to find out that they have blocked my account and then closed and terminated it afterwards for no apparent reason. Now I have {$2800.00} stuck in my account and I can not get it out.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/23, I contacted NFCU re a purchase I made on XX/XX/23 in the amount of {$360.00} through XXXX. Of that {$360.00}, on XX/XX/23 at XXXX, I set up a partial return with the company in question, XXXX XXXX The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. The items were sent Via XXXX at XXXX Legacy XXXX, # XXXX, XXXX, Texas XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/23, XXXX at the warehouse in XXXX California XXXX the address provided by XXXX XXXX Further, XXXX continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from XXXX. XXXX denies this, even though that information was provided to them. On XX/XX/23, NFCU requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. On XX/XX/23, said information was provided. Despite that, they closed my case in favor of the merchant. This is NFCUs continued practice to resolve disputes in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but NFCU refuses to further investigate. If needed, I will provide additional information that, again, has been provided to NFCU, XXXX, and XXXX. This is obscured that this back continues to ignore the facts by lacking due diligence that would prove my case. XXXX has been known to play this game with many consumers. Even XXXX has verified their fraudulent business practices, whereby they will deny XXXX has made deliveries when they have. But NFCU does not care to protect their own customers
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX identity theft data breach
Product: Debt collection

I received a collection notice from an attorney 's office XXXX XXXX XXXX Attorney 's at law located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are claiming I owe XXXX XXXX {$880.00} for a credit card that I did not open. I have been a victim of identity theft on more than one occasion in the past 5 years and in XXXX I have had numerous fraudulent lines of credit taken out using my personal and protected information against my knowledge and with out my permission. I sent the attorney 's office a dispute letter requesting proof that they believe I am responsible for this account, as well as my XXXX  XXXX. of Justice Identity Theft Passport documentation. I have not received any kind of documents as of the date of this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my XXXX XXXX credit profile that does not belong to me. I do not have att service nor have I ever had att serivice. Someone has opened an account without my knowledge the account is listed from PrinceParker from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}
Product: Mortgage

My name is XXXX XXXX, and I am a XXXX military veteran who has proudly served this country for many years. I am writing to formally request your urgent assistance and reconsideration of the loan modification terms recently offered by Shellpoint. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aftermath was devastating both physically and financially. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to work for almost a year, and during that time, my financial stability was severely impacted. 

Despite these setbacks, I have worked hard to recover and am currently employed, earning {$2500.00} per month. I have {$500.00} in savings. With these resources, I applied for a loan modification with Shellpoint on XX/XX/XXXX. However, I was presented with a highly unfeasible plan requiring a down payment of {$22000.00} an amount that is entirely out of reach for me given my current circumstances. While the monthly payment of {$360.00} is manageable, the lump sum down payment is not. 

To add to the distress, I was given a foreclosure sale date of XX/XX/XXXX, which placed me under extreme pressure with no realistic way to meet the terms. 

In XXXX, I was presented with a second offer : Due Date : XX/XX/XXXX Down Payment : {$15000.00} Monthly Payment : {$310.00} Interest Rate : 8.75 % Again, while I am grateful for the effort to reduce the monthly payment, I must respectfully state that I still can not afford a {$15000.00} down payment. I have no access to loans, no immediate family or friends who can help, and I am still facing lingering health issues as a result of the pandemic. 

I am not asking for charity only for a fair chance to keep my home and continue honoring my responsibilities under reasonable terms. I am a single man trying to rebuild my life after immense hardship, and I kindly ask for your intervention to help me obtain a more affordable and realistic modification plan. 

Thank you for your time, understanding, and any help you can provide. I am more than willing to provide any documentation needed to support my request.
Product: Credit reporting or other personal consumer reports

After submitting here, the complaint XXXX on XXXX XXXX, XXXXXXXX XXXX send me a resolution on XX/XX/year> stating that the debt decreases from {$390000.00} to {$1700.00}. Then on XXXX, I called and talk with the representative XXXX XXXX, and they offered me XXXX options : - a payment plan of {$890.00} in XXXX and XXXX to cover the whole debt, - cover the whole debt in XXXX,- or cover the whole debt in XXXX. 

Today my credit report updated with delinquent information between XXXX and XXXX. When I call them in XXXX, they did not request me to start making the payment that month, but in XXXX or XXXX. I call today a talk with XXXX XXXX, investigator assign to my case, to make the claim, and they respond me that I need it to pay for a credit report and submit it to them for them to verify if an error was made towards my credit report. The representative also stated that if a payment plan was agreed, there was not supposed to be an adverse credit report. I also went to the branch to make the payment of the whole debt. 

Between XXXX and XXXX, they send me different letters with different amount of amount debt.
Product: Debt collection

I got a vehicle for my fianc and she wasnt making the payments and before I knew it I got a call saying I owe a ton of money or the account would be closed she never payed up and this messed up my life to the point I cant even get a house or a vehicle for myself
Product: Credit reporting, credit repair services, or other personal consumer reports

yes Experian has the wrong debt to income ratio on my account and I tried to fix it with them, but I could not get it fixed with them.what I tried to fix was my monthly income which is {$6200.00} a month.and they could not fix it.so I turn to you to help me to get it changed
Product: Credit reporting or other personal consumer reports

I acknowledge the efforts made by XXXX in addressing certain fraudulent entries within my file, attributed to an alleged case of identity theft. However, unresolved issues persist in my XXXX and TransUnion Credit Reports, necessitating their prompt removal. As a victim of identity theft, I am reiterating my request for the expeditious removal of the specific inquiry and remaining inaccurate information from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The mandated deadline for this action is within 4 business days from XX/XX/XXXX. Previously raised in my formal complaint, this matter is reiterated here and referenced in FTC Report # XXXX. Notably, the information pertaining to these items is unfamiliar to me, having been successfully removed from other bureaus. I express reservations about the accuracy of the details incorporated into my credit file. Details of the discrepancies are outlined below for your reference : -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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