23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement to report several discrepancies in my credit report and request an investigation into the accuracy of the information being reported by the credit bureaus. The following issues require attention : Account Status Discrepancy : The account with Regions Bank ( Account Number : XXXX ) is reported as open with a late payment status on XXXX and XXXX as of XX/XX/XXXX, but XXXX reports the account as closed. This inconsistency across the credit bureaus needs to be corrected to ensure the accurate representation of my credit history. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information in consumer credit reports. The conflicting statuses may constitute a violation of this provision. 
Discrepancy in Date of Last Payment : The XXXX report lists the date of last payment as XX/XX/XXXX, while XXXX and XXXX report it as XX/XX/XXXX. The differing dates across the reports may result in inaccurate account aging and could impact the removal of negative information from my report.Under FCRA, Section 1681c, negative information must be removed after seven years from the date of last activity. The inconsistency in the reported date of last payment could affect the accurate calculation of this period. 
Inconsistent Reporting of Payment Frequency : The payment frequency is reported as " monthly '' by XXXX, while no payment frequency is listed on XXXX or XXXX. The failure to provide consistent and complete information regarding payment frequency could lead to an inaccurate understanding of my payment history. According to FCRA, Section 1681i ( a ), consumers have the right to dispute inaccurate information. The inconsistencies across the reports may indicate inaccurate or incomplete data being reported. Dispute Status Discrepancy : The dispute status for this account is marked as " Account not disputed '' on both XXXX and XXXX, yet XXXX does not report a dispute status. This discrepancy may violate my rights to ensure the accuracy of disputed information.Under FCRA, Section 1681i, when an account is disputed by a consumer, it must be clearly marked as such in all credit reports.Given the discrepancies outlined above, I respectfully request that the credit bureaus investigate these issues and ensure the accuracy and completeness of my credit report. If the information can not be verified or corrected, I request that the inaccurate information be removed in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inqui
ry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

On XX/XX/year>, I reviewed my XXXX Citibank credit card statement for the preceding month and noticed no charges made by me but approximately 25 fraudulent charges. I spent an hour on the phone with the Citibank fraud department. The representative agreed to remove all charges. My then current card was canceled and they sent another card ( " second card '' ), which I did not activate nor did I use in any manner, ever. 

In XXXX, when I reviewed my statement for XXXX, I noted that most of the prior fraudulent charges had not been removed and additional charges were posted, even though I had never activated the replacement card and had never used it in any manner. Again, I spent an hour on the phone with a representative who agreed to remove all of the old and all of the new charges. They canceled the second card and sent a new one ( " third card '' ). I did not activate nor did I use the third card. 

When I looked again at my XXXX statement several days ago, I saw that some of the prior fraudulent charges had been removed and an additional set of charges totaling+- {$1500.00} had been posted. In addition, although I had not used any Citi card in several months, Citi had added late fees and interest for the fraudulent charges. Collection people started calling me and talking nonstop about making arrangements for me to pay these fraudulent charges. When I would finally manage to get a word in edgewise and ask to be connected to the fraud department, they would hang up on me. I have not had an activated credit card since XXXX XXXX, 2023, but charges kept appearing. Then one day, my password and I could no longer access my account. I sent written complaints to the Agent for Service of Process for Citi listed on the Alabama Secretary of State 's Office and to XXXX XXXX, Citi 's chief legal officer and received no response whatsoever. 

By this point, I had lost all faith in Citibank controlling the fraudulent misuse of my credit card. I am still getting repeated calls from the collection department, although the first representative had promised to flag my account to stop this. The first rep and the second one both promised that I would not be reported to the credit Bureaus, but they did. As a result, two of my long time credit card merchants drastically cut my credit limit to I have repeatedly demand that all of these fraudulent charges removed immediately from my account. I finally managed to get my account closed and told them to not send any more replacement cards. The actual true and correct balance on this credit card due to my use is XXXX. I owe Citibank nothing, I want the account fully and finally closed, showing a XXXX balance, I want Citi to file a retraction on my credit accounts and I want them send an apology letter to the two companies who lowered my credit limit. I want them to stop repeatedly annoying with their rude and incompetent bill collectors. I have spent over 15 hours of my time and have hired a lawyer to assist me. I want these expenses reimbursed and to have any relevant penalties assessed.
Product: Mortgage

When I purchased my home I put 20 percent down but was still required to pay private mortgage insurance for 5 years. I was given an amortization schedule showing that the private mortgage insurance automaticly end after myXX/XX/XXXX payment. My mortgage was then sold to BB & T who is not following the schedule I was given at closing on the property. I have been in contact with BB & T and have been told by 3 different employees that i must continue paying thr private mortgage insurance XX/XX/XXXX. I believe thus is unfair and should not be charged extra on my mortgage for mortgage insurance starting XX/XX/XXXX..
Product: Credit card or prepaid card

Company is not sending monthly statements and continuously charging additional fees. Company also reported my account as late even when current making payments during COVID
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was wrecked and was suppose to been covered with XXXX coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for failing to properly investigate the disputes in my credit report. Despite my submissions Equifax consistently responds in XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the consumers financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX take action to ensure Equifax complies with federal XXXX and provides consumers with the necessary proof of investigation. My disputed accounts are as followed : XXXX XXXX XXXX
Product: Debt collection

This company called my home at XXXX XXXX at night and then hung up when i asked who was there. when i called back they tried to demanded I provide them my personal information and refused to remove my number from their call list. I am not associated with this company nor do I have any business with this company for them to be calling me at all, least of all at XXXX XXXX and hanging up. I have a young child and they have disturbed him on a school night with their prank calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.
Product: Mortgage

In XXXX XX/XX/2012, my mortgage was with XXXX XXXX XXXX and they sent a letter stating I neededto raise my flood insurance coverage. This caused a hardship and I found out from a mortgage company that because of the wording in my mortgage they could not raise this coverage. They would not listen to me when I spoke with them so in XXXX XX/XX/2012 I opened a claim with the CFPB - case # XXXX. With your help the issue was resolved and it was determined I did not need to raise my flood coverage. XXXX sold the servicing of my loan to Nationstar Mortgage. I have received another letter almost identical to the XXXX from my XXXX claim stating I need to raise my flood coverage. I have documentation to provide and am asking for you to once again review their request to determine its validity.
Product: Credit card or prepaid card

PLEASE KEEP IN MIND I ONLY WANT A LIMIT INCREASE TO BUILD MY CREDIT SCORE FOR BUSINESS CREDIT I HAVE NO DESIRE TO GO ABOVE 10 PERCENT UTILIZATION. I JUST WANT TO GET OUT OF THE SUBPRIME CREDIT TRAP Hey XXXX, I know youre a busy man so I do not want to take to much of your time. I will be direct and to the point. I have a capital one journey account thats 3 years and 3 months old. I want to thank you guys for giving me credit when I had no credit. My main issue is my credit limit is only XXXX dollars. I graduated college and now I am making XXXX a year. I can afford a XXXX limit. 

This credit limit of XXXX does not match my current income. Also this keeps me at SUBPRIME CREDIT... 

I do not like using this card because my limit is sooooooo low. 

IF YOU CAN HELP ME RAISE MY LIMIT ABOVE 10K I will be indebted to you!!!!! 
I never complained to the XXXX XXXX XXXX Please increase my limit XXXX 10k or above will take me out of subprime and I will be able to get funded for my business. 
THIS WOULD CHANGE MY LIFE FOR THE BETTER MY DESIRED LIMIT IS XXXX BUT IM GREATFUL FOR ANYTHING MORE THAN 10K I AM TRYING TO BUILD MY BUSINESS CREDIT. 

THANKS FOR YOUR TIME HERE ARE MY ACCOUNT DETAILS : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX LAST FOUR OF CARD NUMBER : XXXX
Product: Mortgage

I send my payments weekly in advance of my due date. Per the guidelines of my loan I am allowed to do this and they will hold the payments and apply them at my due date. They keep losing and misapplying my payments and telling me Im late. I am not. I have attached all payments sent since my loan origination and the confirmation numbers from my bank.
Product: Credit reporting or other personal consumer reports

Transunion refuses to remove negative information even after I sent them an Identity Theft Report from FTC and a police report from XXXXXXXX XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX.They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. These are the accounts in question. All the accounts I am disputing are listed below. I could was only able to upload 10MB on cfpb website. I also sent this information by certified mail to Transunion, XXXX XXXX # XXXX XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$19000.00XXXX XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$10000.00} XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$19000.00} XXXX BEGINNING IN XXXX - {$46000.00} XXXX BEGINNING IN XXXX - {$45000.00} XXXX XXXX  ENDING IN XXXX - {$12000.00} XXXX XXXX ENDING IN XXXX - {$21000.00} XXXX XXXX XXXX  ENDING IN XXXX {$14000.00} XXXX XXXX XXXX  ENDING IN XXXX - {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery states that when you pay your account, after the final payment they will do a tradeline deletion on there accounts.they will send out letters to the 3 credit bureaus and request a tradeline deletion. I have learned that this services goes against the consumer data industry association guidelines and undermines the credit system. When you look at your credit report there is no deletion, when you call the credit bureaus they are clueless, when you call portfolio recovery they just say that they sent the letters to the bureaus and state what date they went out, when you press them for more answers they don't know. This is in my opinion false advertising to the consumer and they should be held liable.
Product: Credit reporting or other personal consumer reports

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as Experian, XXXX, and XXXX, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Product: Student loan

From XX/XX/XXXX Fall Semester at XXXX university I had a loan with Salle Mae. The loan was approved and I went to school and sat in class. in XX/XX/XXXX my loan was taken back from me mid semester. I was informed by XXXX University  That Salle Mae took back my loan after the financially clear date. I ended up back at home facing extreme loan debt while attempt to restart my education because most of my credits didn't transfer over. 

Salle Mae is missing that particular loan document to which I will need in court against Navient. 

this is a formal complaint against Salle Mae, Navient and XXXX University. 

I am entitled to all documents signed by me and my cosigner. 

I have spent a month attempting to get the correct document from Navient and without this all documents are null and void. 

I signed 4 documents considered loans with Salle Mae 3 approved and one approved anhen unapproved at a later date and pulled from my school XXXX at the time. 

This is a document I will need in all cases against Navient and or Salle Mae. 


Both parties are claiming they can not locate it. 

Please assist as I will need the document as soon as possible.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM INC. for committing identity theft. I have never given I.C. SYSTEM INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and I.C. System Inc. continues its collection efforts, I will file for litigation for actual damages caused and I.C. System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required. 

Certified Mail # XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

I am refinancing my home when XXXX mortgage said I was late for XX/XX/XXXX payment, not only that but, said I sent in partial payment. When I have proof of payment from XXXX of the payment sent on XX/XX/XXXX chashed on XX/XX/XXXX by XXXX mortgage. They sent this to the credit bur and refuse to remove it. This is not the only issue I have with XXXX mortgage my escrow account now when I went over to Freedom I had a surplus but now I 'm short. {$1700.00} XXXX said I received from XXXX. that 's a lie. XXXX is my new homeowner insurance company and I sent them some money about {$47.00} dollars which XXXX said I should not have sent. I dont know where XXXX got this from, XXXX even tried to put my home in foreclouse and sent me the papers for hardship. I need to know in writing where my escrow went. Freedom mortgage is the wrose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift card. It appears to be a scam and thru are reporting on my credit report.
Product: Debt collection

I keep getting phone calls from American Express for a debt my brother owes. I have talked to Amex twice that I have nothing to do with my brothers finances. I am XXXX and my brother is XXXX. They keep asking me to talk to him and to have him call Amex. I explained I am not an arbitrator for Amex or my brother and to remove my number from their call list but they will not and keep calling me and my ex-wife, who has zero contact with him. I do not even have an American Express account.
Product: Credit card or prepaid card

This is with my Chase Freedom Card.. A payment was made to that card in error by my ex-wife. We called the day it was made ( Saturday XX/XX/XXXX ) to have the payment rejected however because it wasn't yet showing they were unable to do do. That representative stated she noted the account. We called once the payment was showing ( XX/XX/XXXX ) and they refused to the reject the payment or return it electronically, as they stated they would. They would only mail a check, which takes 7-10 business days. We were told to call back on XX/XX/XXXX to speak to a payment specialist who could help. We did at XXXX XXXX  on XX/XX/XXXX and that payment specialist also would not send it electronically. I asked to speak to a manager and they said they were already a manager and wouldn't do what I asked or transfer me. This payment was made to a closed account and then applied to an existing account without being rejected. To say they can't send it back in today 's digital age is ridiculous. I asked to close my account if they can't help me but they didn't care. This was part of her mortgage payment and 7-10 days is too long to wait when the company was called before it even happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; Transunion, XXXX and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!
Product: Debt collection

Someone opened an energy account using my ss #! I live In Florida and not Texas where the company operates.