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

I am a victim of identity theft due to the Equifax data breach. I have spent hours and over {$15000.00} since the data breach negatively affected my life. I have filed police reports and experienced gas loss and wear and tear from traveling back and forth to and from precinct. I have filed FTC reports due to inaccurate information found on XXXX XXXX report due to identity theft. I have also reached out to creditors via mail and phone to report fraudulent activities on my credit report. I also had to relocate with family due to the data breach making it near impossible for me to move forward with anything credit related. I also had to send letters to XXXX system to close inaccurate bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX on my Equifax Report has not been updated since XX/XX/2018 as paid as agreed or current. I have all my money orders as proof as paid
Product: Debt collection

In the year of XX/XX/XXXX my identification was stolen from me. I see on my credit statement that I have a hard inquiry on it from back in XX/XX/XXXX, which I have/had no knowledge about, dont even know what it is or for.
Product: Credit reporting or other personal consumer reports

Verification of Charge-Off and XXXX for account # XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a XXXX for the account associated with the above-referenced number. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form XXXX that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly via email at XXXX. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process. 

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

I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/2018 - complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.
Product: Mortgage

XXXX XXXX agents made us apply with Keller Mortgage, against our wishes and then tried to bribe us to use them by paying us XXXX. This is an obvious respa violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in letters to credit bureaus about fraud on my reports and only get back they verified it. i asked for proof of verifications along with my signatures which have never been provided to me. It is ruining my life and name and just want it resolved. I have filed a police report also with XXXX VIRGINIA POLICE DEPARTMENT REPORT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

I was involved in a scam where I was sent a check to be used to purchase pet supplies for a family I was to be dog sitting for. I went to my bank told them I was suspicious of the check asked for advice and was told absolutely nothing as they deposited the check into my account. They also told me the full amount of {$3700.00} would be available the very next day. When I have had checks for only {$200.00} that took multiple days to clear. Over the weekend I had a bad feeling about the check I had deposited and decided to send it back to the party who sent it to me XXXX XXXX I had been in contact with her for over a week but when I told her I would be sending the funds back she acted weird and sketchy and I knew I didn't want any part of this scam. I went to my bank Tuesday after presidents day and asked what was the most secure way to send a check or money for that matter that I could stop payment on if necessary and she told me a cashier 's check. I proceeded to get a check for the {$3700.00} minus fees and it was sent later that day. I found out XX/XX/22 that it was a bad check when my bank Bank of the West stole money out of my account because they cleared a bad check to cover their own XXXX and then I was charged an additional {$15.00} because my bank didn't notify me the check was bad until it was too late. The funds should not have been made almost immediately after depositing and because it was a bad check it shouldn't have cleared. I didn't have {$3700.00} in my account to send back to them if the check was bad. Bank of the West stole my money and they need to return it.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX I attempted to send my mother, XXXX XXXX, {$2000.00} through XXXX from my Chase Bank account to phone number ( XXXX ) XXXX. As soon as I submitted the payment, I realized that I had made an accidental transfer by sending the payment to my mothers old cell phone number, which she has not had since XXXX of XXXX I immediately text messaged the recipient to refund the money. I have sent multiple text messages to the new owner of that cell phone number begging that they return the funds. I am a XXXX XXXX, and these funds were for my mom to pay my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even my girlfriends father, who is a federal law enforcement agent, has sent a text message with his business card showing hes in law enforcement and asking that the funds be returned, or a case will be filed. All messages show read by the recipient, but he is not responding to any of our messages and as of today money has not been returned. I contacted XXXX and they said I had to work it out with the reciever or to contact my bank. I filed a complaint through XXXX immediately after the transaction, by phone on XX/XX/XXXX, but was told not much can be done but banking Regulation XXXX protects consumers from accidental ( errors ) or fraudulent electronic transfers from XXXX platforms such as XXXX. The recipient of the funds willingly accepted the money knowing this was an accidental transaction and that he is not owed the funds. ( XXXX transactions require the recipient to manually accept the funds to be able to receive them. ) Through this action and my immediate notification to him about the erroneous transaction, he has now committed theft of funds which should be investigated and credited back to me by my bank. I have also filed a case with the XXXX XXXX XXXX XXXX XXXX website and my local police department ( XXXXXXXX XXXX XXXX, Case- XXXX ). XXXX is refusing to provide a provisional credit, and has led me to believe that I will not get credited back the money their " investigation '' because they are stating I sent somebody money but this was due in error.
Product: Credit reporting or other personal consumer reports

I have disputed over and over these fraudulent entry on my report. Sometimes they say it's a good debt. Sometimes they remove them then a week later it's right back. I'm gon na sue transunion. I'm tires of this XXXX. You have let them destroy my finances and life.
Product: Mortgage

We refinanced our loan with XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, we paid off that loan- we paid {$60000.00} through XXXX XXXX on behalf of XXXX XXXX . However, during that time, the loan was transferred and the payoff never netted a release or satisfaction of mortgage. The loan shows transferred/sold to a new lender/servicer in XX/XX/XXXX. We are in need of the mortgage release/satisfaction of this loan.
Product: Credit reporting or other personal consumer reports

i have been actively paying my debts however it doesnt get reported to the 3 credit reporting agencies. when i address it with reporting agencies they say you have to get the company to report it. when i go to the company they say in this case it is XXXX child support collection unit, they send me the updated information but won't send it to the credit reporting agencies. the credit reporting agencies won't accept my records it has to come from XXXX child support collection unit directly, but they say they don't do that. so, my credit information and score are inaccurate. But neither entity will budge so i suffer in the meantime.
Product: Credit card or prepaid card

I purchased tickets for a trip that was supposed to happen XXXX 2020. XXXX cancelled my tickets due to the pandemic. I request a refund from XXXX but I never received it. I asked my bank to intervene. I opened a claim and sent information several times. They still haven't resolved my dispute.
Product: Checking or savings account

I had a checking account with Citizens Bank that I opened in XXXX when my daughters were in College. My name and my daughters names were on the account. My account and my XXXX  daughters account were joined in the sense that they had separate totals in their accounts as did I. When that account was opened supposedly I was told if the total amount in the accounts fell below {$20000.00} I would be charged fees. Since that account was opened, my daughters have withdrawn their funds and opened their own account with their now husbands. The last transaction being in XXXX. Since that point in time, I have received no bank statements from Citizens Bank and they have been charging me {$20.00} per month as a dormant fee because my total amount minus my daughters two accounts has fallen less than {$20000.00}. I have been charged {$1400.00} in dormant fees with no correspondence from Citizens Bank. This was an account that was liked to an Equity Line that I used to pay my Childrens College Tuition as well. My last child graduated from College in XXXX and the Equity Line has been paid off since XXXX. I had left more than {$17000.00} in that account which Citizens  has been chipping away at with no correspondence at all. I found this all out when I happened to receive a text stating there had been fraudulent activity on my Citizens account. There was no fraudulent activity other than Citizens Bank taking ( stealing ) my money without notifying me. Their answer to me was when I opened this account back in XXXX I was told that there would be fees if the total amount fell below {$20000.00}. At XXXX my memory is just not that good. They stole my {$1400.00}. Is there any recourse? Thank you for your attention. I do not do online banking ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " XXXX, Transunion, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX XXXX from my credit report is greatly appreciated. 
Thank you
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have attempted multiple times to contact Fortiva to have match pay credits applied to my account I have received confirmation that I am enrolled does the match pay program but the credits have never been applied to my account. I have made multiple payments to Fortiva but they have never applied the match payments to my account since XX/XX/2022. My ssn is XXXX and my name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX credit card in XXXX. I have used it as my primary credit card since that time, and have used it as my sole credit card since XXXX. For the past few years, XXXX has failed to report my credit card -- which I have had for 26 years and have paid on-time for all of those years and in full for well over a decade -- to XXXX of the XXXX major credit reporting bureaus. While this was a minor annoyance in the past, I would now like to take out a home equity line of credit to replace my roof and fence. Because XXXX does not report my card, which would be the oldest trade line on my account and would have a sizeable impact on the percentage of credit available to me that I access ( it has a {$25000.00} credit limit. I use between {$3000.00} and {$5000.00} each month and pay that amount in full each month ), the non-reporting means that my credit file is thin and that my score is lower than it should be. I opened a new credit card XXXX months ago because I need something on my credit report. I was denied for XXXX cards and finally approved for XXXX with a {$2500.00} limit because my credit file appears thin and my score is lowered due to the non reporting of this longstanding, paid in full and on time, tradeline. I have called the credit reporting bureaus and they tell me there is nothing they can do. I periodically call XXXX and the customer service rep claims to escalate my concern to an " offline '' group that I can not talk to. Then, I get a form letter in the mail about a month later telling me that their investigation concluded that I can report my concerns about my credit to them at any time. This is not a solution. I need access to credit so that my house doesn't fall into disrepair and XXXX 's decision not to report my payments on this very longstanding card are hurting me. I'm doing what I can to build my credit but having a {$2500.00} credit limit on a brand new card isn't doing much. Also, the last time I called XXXX, the customer service rep offered to connect me with a XXXX who could discuss my credit reporting issue. He transferred me to XXXX. Which can not help me. When I contact Experian, there are not human beings that answer their phone. I am able to go on Experian 's website where I can giver permission to Experian to link to my XXXX credit card to pull monthly payments that it alleges will improve my score, but even though they are going through my credit card payments and charges, they can not add my credit card to my file. I can not even with this. XXXX has staff who answer the phone, but they can not provide any information about how to fix this problem other than to call XXXX again, which I've explained is useless. This has been going on for years now, and it was kind of silly at first, but I now realize that it is actively harming my ability to function in society even though I have a well-paying job and decades of on-time payments. I am out of hope and ideas and am just waiting for the day that my roof starts leaking, damaging my home because no bank will lend to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is reporting a charge off for XX/XX/XXXX on a account that was charged off XX/XX/XXXX so I have 2 charge offs on one account balance of slightly under $ 8000USD and it is ruining my chance to get a home as it appears every few years again as another charge off on a closed account. American Honda finance and XXXX are the culprits of missmanaging information and reporting old history from a account that was closed in XXXX incorrectly so that it still keeps reapearing as a recent charge off when this entire transaction started in XXXX and ended XXXX!!
Product: Mortgage

My mortgage company continues to increase the interest rate on my loan and I can not it afford as I am on a fixed income
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with 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  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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX Balance {$750.00}, {$510.00}, XXXX XXXX XXXX # XXXX These account are in error. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Product: Credit card

I called company and asked to change my payment date. The rep said they couldn't do it but as long as I made payment after cycle ended I was fine. My cycle ends on XXXX so I make payments on the XXXX. I have been doing it for 6 months. Please note I have never missed 1 payment since I have card. Today I start receiving threatening letters saying my account is past due I better pay XXXX. Right now etc. More emails came. I called and the rep refused to let me speak said I was XXXX behind and I needed to pay up she was verbally abusive. I owe them nothing. I have perfect payment hx. They have ruined that on my credit report which fell in the XXXX because of them. It's there mistake. Can you help me please?