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

XXXX XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Credit reporting or other personal consumer reports

I was involved in a car accident in XXXX when a drunk driver rear-ended me in XXXX, Georgia. The case was handled by the XXXX XXXX XXXX under case # XXXX. As a result, my car was totaled, and the responsible party 's insurance, XXXX XXXX represented by XXXX XXXX, assured me they would pay off the loan for the car. However, later I discovered that the insurance company did not settle the entire outstanding debt, which came as a surprise to me. 

In addition, I promptly purchased a replacement car from the same dealership, with the same lender and make of car. I usually make my monthly car payments through the Kia Finance app. In XXXX, when I went to make a payment for the new car, I noticed that the old account ( ending with XXXX ) had been closed with a balance of {$0.00}. I continued making regular monthly payments for the new car. 

The lender claims they tried to contact me in XXXX to settle the remaining amount left unpaid by the insurance company. However, I never received any communication from them. I use a XXXX mailbox, which can sometimes lead to mixed-up correspondence. At this point, the amount for the old account was still showing as {$0.00} on my app, and I was still consistently paying for the new car. 

Due to the unpaid amount, the lender reported the account as a charge-off to the credit bureaus, negatively impacting my credit score. In XXXX, both the dealership and XXXX XXXX informed me about this issue. I then checked my credit score and saw that it had dropped from XXXX to XXXX. The dealership provided the necessary information to my GAP insurance, and in XXXX, the insurance sent a check to clear the remaining balance. The amount was paid off with the GAP insurance I had purchased when buying the car. 

The problem is that the charge-off is still showing on my credit report, continuing to have a negative effect on my credit score. This negative mark will stay on my report for 10 years.

My investment business heavily relies on my credit score, and this issue has impacted my ability to borrow money. If not resolved, it will continue to affect my business for the next 10 years. I am currently in the process of asking the lender, Kia Motor Finance, to remove the charge-off from my credit report. Despite my efforts, they are unwilling to do so. I have filed a dispute to address this issue and am also considering legal options to resolve the matter.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. The dispute was immediately closed with no information provided.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS I AM VICTIM OF FRAUDI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

My account with the following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 in 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 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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: Mortgage

This is for Maryland. 

My wife and I originally purchased our home in XX/XX/XXXX and in XX/XX/XXXX we did a refinance with Bank of America. We signed a Deed of Trust in XX/XX/XXXX and the Lien was recorded with the county in XX/XX/XXXX. However, BoA messed something up with the paperwork and we had to re-sign an updated Deed of Trust in XX/XX/XXXX which was for {$770.00} less than the XX/XX/XXXX paperwork and was just reflecting the updated amount of the loan and was NOT a new lien. That Deed of Trust was recorded by the county in XX/XX/XXXX. The loan was then sold to XXXX in XX/XX/XXXX and we continued to make all payments until XX/XX/XXXXwhen we re-financed again. We got a Lien Release from XXXX in the mail as expected and didnt have any concerns. 


Now, we have a sales contract on the house and in the course of the Title Search, the lien from XX/XX/XXXX is coming up as unreleased. I didnt think it would be a problem since I have all the paperwork and so I contacted Bank of America and sent a copy of the XX/XX/XXXX Deed of Trust and explained that the XX/XX/XXXX lien was still open and it needed to be closed since it was in error. 
Since then I feel like I have gotten nothing but a run-around and conflicting information every time I call. I even went into my local BoA branch last week and had the branch manager help me escalate with the Lien Release department and now when I called today for an update Im getting completely new and different information than what I was told on Friday with a BoA person on the phone with me. BoA is claiming they have no record of the XX/XX/XXXX Deed of Trust and therefore cant help me and I should contact XXXX  ( now know as XXXX XXXX ). So I called Nationstar and they confirm that they only received paperwork on a Deed of Trust dated XX/XX/XXXX and that they properly released it when we paid off the loan in XX/XX/XXXX. So I contacted BoA again and they continue to claim that no Deed exists and if it did exist then it would have been sent to XXXX. 


Its clear to everyone looking at the Deeds of Trust that they were for basically the same amount and the paperwork even has the exact same loan number of it but I cant get anyone who does the Lien Releases to acknowledge that. I was supposed to close on XX/XX/XXXX and that had to be delayed because the title insurance wont sign off with the encumbrance. 

No one seems willing to help and issue the lien release. 

I have attached a title search showing the Deed recorded on XX/XX/XXXX being still open/unreleased and also attaching a copy of the XX/XX/XXXX Deed of Trust that was notarized and submitted to XXXX County Maryland and shows a recorded date of XX/XX/XXXX
Product: Debt collection

multiple calls per day sometimes more than 5, up to 50 calls per month even. Always under varied numbers, never leaving voicemail but its usually the same person. Sometimes they leave me alone for a while, then start spam calling me again using spoofed local numbers. Starting around XXXX XXXX to XX/XX/XXXX. I've chosen to ignore the calls or even block numbers but they always change.
Product: Mortgage

I make bi-weekly payments with the belief that early payment is being applied to the principal of the loan. Mortgage company however does not apply partial payments until due date. Therefore, I get no benefit from early payment. I also make an extra payment each year. I am under the impression that all early payments are to be applied to the principle as I do not have a prepayment penalty clause on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX  XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.
Product: Credit card or prepaid card

I have a Citibank AAdvantage gold card that the citibank just arbitrarily switched to another account. My present card was declined yesterday and when I called citibank to discuss this entering the last 4 numbers of my card, they could not find my present account. I have many accounts that are payed automatically and this is a real pain to have to switch payment info, one of which is my supplemental policy for medicare. When I ask why the card was switched, I was told that it was done automatically which I did not want done. When I ask for the telephone number of XXXX XXXX, chief risk officer, I was told it was restricted. The new card is being overnighted to me ( have not received as yet ). This is a TERRIBLE practice costing me time and considerable angst. I feel abused as a customer and want Citibank to not do this in the future.
Product: Credit card

I have been a loyal XXXX XXXX Synchrony Bank ) customer for XXXX years, consistently making on-time credit card payments during this period. However, XXXX days ago, I was taken aback when XXXX XXXX unexpectedly reduced my credit limit from {$500.00} to {$300.00} without sending me a required XXXX adverse action notice, as mandated by the Consumer Financial Protection Bureau XXXX CFPB ). 

In my attempts to address this matter, I have conversed with XXXX XXXX representatives, namely XXXX XXXX and XXXX XXXX. Both of them have conveyed that they have extensive experience, each having worked at the company for over a decade, and both have stated that XXXX does not traditionally inform consumers of such changes through notices. In fact, they affirmed that they have never encountered a situation where XXXX sent out an adverse action notice to customers. 

I respectfully asked whether they could provide any evidence of such a notice being sent, and both confirmed they could not. This situation raises concerns as, according to the guidelines set forth by the CFPB, the Fair Credit Reporting Act ( FCRA ), and the Equal Credit Opportunity Act ( ECOA ), creditors are obligated to furnish consumers with a XXXX adverse action notice explaining the reasons for any credit limit reduction before implementing such changes. 

I am left with no choice but to request documented proof of this notice, as its absence XXXX lead me to contact my attorney, XXXX XXXX, to pursue penalties and damages resulting from the adverse impact on my credit report and personal reputation. Please consider this communication as a formal warning. A third letter, authored by XXXX XXXX, XXXX follow if this issue remains unresolved. 

I sincerely hope that we can reach a reasonable resolution to this matter and look forward to your prompt response. Thank you for your attention.
Product: Credit reporting or other personal consumer reports

1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE.

THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME.

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS.

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATED ONE OF MY IDENTITY THEFTS.

DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB.

THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN.

THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX XXXX  FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.
Product: Debt collection

I have been receiving phone calls from various XXXX area code numbers. I called one back ( XXXX ) and was prompted to confirm my name which I did by pressing one. I was connected to someone who did not disclose they were a debt collector or that their call was an attempt to collect debt, but that they were from the CBE Group. They did not disclose that any information I provided would be used in an attempt to collect debt. They asked for my name which I confirmed, not aware they were a debt collector. They then attempted to confirm my address ( which was incorrect and out-of-state ) and I asked what the call was regarding. The person on the phone would not disclose it was an attempt to collect debt nor tell me the purpose of the call unless I disclosed my social security number, which I refused to do. After hanging up, I XXXX the organization and realized they were a debt collection agency. Per my credit reports, I have no outstanding accounts and this organization either has the wrong person or is trying to collect for things I do not owe. Again, at no point in this call did the organization make the required disclosures under the FDCPA nor would they tell me upon repeated requests for them to identify themselves. I had no idea they were a debt collection agency at any point during this call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Account Name JPMCB CARD Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. I sent correspondence regarding this issue more than 30 days ago but have received no reply, nor have they provided adequate validation of these entries. I am seeking your help to address this situation.
Product: Checking or savings account

First off, Im a sole proprietor. On Tuesday, XX/XX/XXXX, my PPP loan was deposited into my Capital XXXX account. Upon, seeing this I decided to go into the branch to handle payroll XXXX pay myself ) as well handle some business expenses per the SBA guidelines. Upon verifying my account with the teller, my account immediately frozen. Im furious because this is my main account. Im a legit business owner but not only that, how am I supposed to survive with no access to my personal AND business funds. Cant pay bills or operate my business. This is very negligent on Capital Ones part. Ive sent them all the documents proving that my business is legitimate. I no longer want to do business with this bank.
Product: Debt collection

I.C. SYSTEM, INC Reached out regarding balance. I advised him that this debt did not belong to me. They gave me instructions to reach out to The original creditor. When I reached out to the creditor to resolve issue their business phone was no longer in service.
Product: Debt collection

I gave them the bankruptcy case number and requested that they Cease and Desist all further contact with me and reach out to my attorney. They are still calling me and attempting to collect a debt that is included in a chapter XXXX bankruptcy, case number XXXX. My attorney is XXXX XXXX XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out to report fraudulent personal information linked to my identity. Accounts and transactions have been wrongfully attributed to me, leading to significant distress. I am a victim of identity theft and have reported this incident. Its crucial to address this promptly, as it has negatively affected my finances and reputation. I kindly request your assistance in removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and may pursue legal action to protect my rights. Thank you for your prompt attention to this urgent matter.
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.