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

Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX Collection Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX Credit Card Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on XXXX separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying for 3 years to have the bankruptcies removed that where caused by identity theft. My ex husband used my information to file for bankruptcy without my knowledege. I contacted XXXX XXXX and they deleted the bankruptcies, so why wont the bureaus remove them. Im sending the letter from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX This is my second complaint regarding this matter. Equifax still refuses to remove the account and they are fully aware that it is updating every month, as stated in a recent letter they sent me. They should also be aware that this is unlawful, per FCRA rules and regulations, and this account needs to be removed from my report. XXXX has already complied and Equifax needs to follow suit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for XXXX Bank XXXX XXXXXXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant XXXX laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : XXXX and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
TransUnion : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} XXXX XXXX : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly XXXX lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

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

I looked at my credit report back on XX/XX/year> and noticed that my personal information was incorrect. I had multiple variations of my address and telephone number. l sent a letter to experian on XX/XX/year> and asked them to investigate this, but they still haven't fixed this problem. Im not sure what else that I can do. Can you please look into this matter. Please remove this from my personal information.
Product: Credit card

I paid TD Bank off in XX/XX/year>. Then this scamming collection company came out of nowhere and stated they worked for TD Bank and I have XXXX issues and fell for paying them. So TD Bank or XXXX XXXX XXXX owe me money. I have over paid.
Product: Credit reporting

Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my file.
Product: Vehicle loan or lease

I had an indirect auto loan from Vystar Credit Union. The loan has been fully paid off, yet Vystar drafted an additional payment of {$750.00} on XX/XX/XXXX. I have called Vystar several times, and they are asking me to dispute the transaction with XXXX, even though Vystar is the lending institution that initiated the transaction.
Product: Bank account or service

Wells Fargo closed my account and the total unpaid balance was over {$500.00} that they claimed I owe, when in actually I only owe {$180.00}. Spoken to a few representives that stated the other charges were multiple bank overdraft fees in the amount of {$35.00}. Bank refuses to take off overdraft fees so I can just pay what I actually owe.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled. 

I understand that under 15 U.S. Code 1681i ( XXXX ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below. 

In accordance with 15 U.S.C. 1681i ( XXXX ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from 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  Thank you for your prompt cooperation in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus
Product: Debt collection

In accordance with the fair credit reporting act SELF LENDING/BANK XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Thought I was making a balance transfer for a 0 interest for 12 mid They processed it as a cash advance at a 24.99 Interest I would never have done that
Product: Credit reporting or other personal consumer reports

On XX/XX/2014 XXXX XXXX reported to Experian ( a third party ) my account information without my consent. The Family Educational Rights and Privacy Act ( FERPA ) is a Federal law that protects the privacy of student education records ( 20 U.S.C. 1232 ( b ) ). Providing my account details to a third party is a violation of this law. The law only allows student account information be disclosed with specified agencies without the students consent.
Product: Debt collection

Ive contacted this company several of times. The information thats in there system isnt the correct. Even when I have called the correct information that I give then wouldnt populate an account with my correct and accurate information.
Product: Mortgage

On XX/XX/XXXX homeowners contacted their mortgage servicing company Loan Depot with the inquiry to take equity out of their current home to pay debts and add escrow account to loan. Licensed Lending Officer, XXXX XXXX stated he could help with the refinance and place debts on the home instead of taking money out. Homeowners stated they would only agree to a refinance if the payment was affordable and interest was not too high. 

Homeowners mortgage as of XX/XX/XXXX was $ XXXX/month ( not including escrow XXXX 3.375 %. 
Homeowners agreed to the following new terms $ 3,575.70/month ( including escrow XXXX 4.875 % in XX/XX/XXXX. Difference of {$1000.00}. 

Homeowners received an XXXX Account Disclosure Summary on or around XX/XX/XXXX. In the notice Loan Depot stated that there is a negative balance in the escrow account and a new payment of {$4200.00} is due as of XX/XX/XXXX. This would bring a difference of {$1600.00} from the XX/XX/XXXX loan. Homeowners would have not agreed to this deal as it was financially impossible based on income to debt ratio. Licensed Lending Officer, XXXX XXXX still " pushed this through '' ( via text ), with the knowledge that homeowners could not afford the {$4200.00} payment. 

On or around XX/XX/XXXX homeowner called Loan Depot and the representative stated, " Loan Depot estimates the escrow account and then modifies it later ''. 

Loan Depot and it's employees were aware of the correct property tax and insurance amounts. See attached closing docs : page XXXX, section F & G. Escrow estimate should have been closer to the figures stated on page XXXX. 

Loan Depot, XXXX XXXX ( Licensed Lending Officer ), XXXX XXXX ( Senior Account Manager ), and the underwriter intentionally and grossly understated the escrow account in order for homeowners to qualify and agree to the new mortgage amount. See page XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7400.00}, {$8600.00}, {$2700.00}, {$4000.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX 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 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 months that are reported late 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. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

In XXXX of 2024 I sold my home and Shellpoint Mortgage did not accept the wire for the closing on the sale of my home from my closing attorney even though it was the correct amount on a valid payoff letter the company provided. ( that payoff letter was very hard to get from shellpoint and they kept delaying my closing over it ) They also did not accept the wire when the attorney tried again on the next few days. Shellpoint never responded to the attorney 's office to explain why they were rejecting the payoff. I was never informed of this, the county had already registered the sale, the home was conveyed to buyer, I moved out, and the buyer moved in. Now Shellpoint has my credit in foreclosure for a home I sold and do not own. I was trying to fix my credit and financial issues by selling my home and have now been damaged even worse by Shellpoint Mortgage Servicing doing this. It has been traumatic to deal with this given I am trying to get a job, unemployed, and a XXXX XXXX being discriminated against by this obviously XXXX XXXX company Shellpoint trying to XXXX me.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM, XXXX AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting. Under 15 USC 1692G, Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate.
Product: Mortgage

I was faithfully paying my mortgage payment from the time BBVA Compass started my Loan Modification- Trial Period last XXXX XXXX, 2015. No missed mortgage payment. BBVA Compass practices of Debt Collections, are not serviced accordance to the financing law and practices. BBVA Compass forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment to {$750.00}. as I usually paid & evidence copy coupon attached from BBVA Compass as proof bringing from {$810.00} a month to my usual XXXX a month. 
I am asking BBVA Compass credit to my principal Loan for the extra of {$55.00} from the time they loan Modified last XXXX XXXX, 2015 up to the present for extra escrow charges and adjust and my mortgage payment back down accordingly. I will present the copy of Loan Modification Trial Period, in which paid and complied all 3 months payments. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX**** reporting inaccurate on Equifax please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and Equifax please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 jpmcb-card services got a copy of my XXXX report without my conset i did not appy or try to apply for any credit please remove from my report also im requesting evidence to surport the inquriy
Product: Credit reporting, credit repair services, 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. Equifax XXXX # XXXX, Equifax XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( 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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  aren't including a clear disclosure of wire fees and foreign currency exchange fees to consumers. I realized that wire payments from XXXX in XXXX being converted by Bank of America were showing consistently lower conversion rates than the daily average rates for 60+ days prior to conversions being made. After fighting to get through to submitting a complaint with the Foreign Exchange department, I finally spoke with someone who explained that it's common practice and that " it's in the disclosure, but ... no one reads that ''. Not only am I being charged {$16.00} per wire which I was aware of, Bank of America is skimming 3 % of my wire total as a fee that I had no idea of. 

The banks are required to verbally disclose a number of things prior to opening accounts for consumers. Shouldn't this be included?! It's a deceptive practice that appears to be standard within the industry.