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

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX MTR Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across XXXX, XXXX, and Equifax. This discrepancy is false, as no payment was due or late for the stated period. 
XXXX. XXXX XXXX XXXX : All months are marked " OK '' in the two-year history section, yet the reported XXXX late payment contradicts this accurate record. 
XXXX. Inconsistent Reporting : XXXX and Equifax fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy.

4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file.

2. Written confirmation of the correction to ensure compliance with th

e FCRA and TILA. Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off myloancare mortgage loan last month, during that time I was in forbearance. I was completely current on payments going into the forbearance and when the account closed, it was reported to the credit bureaus that I was 60 days late.
Product: Checking or savings account

After filing one complaint they proceeded to tell me they couldn't verify me which would take a7 day turnaround affidavit I had to get notarized.I did and I I did so at the ups store with a tracking number and over nighted it.So when I confirm XXXX signed for it on the ups tracking sight I called and let the employee lie and then confronted them, then they dispatched me to Someone who said oh yea it just hasn't been uploaded an it would take 7 days to process before I have access to MY VA XXXX CHECKS.Even after I explained all this to this woman there was no empathy.I served from XXXX to XXXX 4 months in XXXX and year in XXXX while I was XXXX an XXXX yrs old.i just got benefits 4 months ago now there trying to take them.
Product: Debt collection

Roughly 16 months ago I settled an account with Midland Credit Credit Management for roughly 75 % of my balance that was owed at the time. The account had since been deleted from my credit report and Ive been working on stabilizing my credit to buy a new home. Randomly at the start of XXXX  I had an alert for a drop in my credit score ( a BIG drop! Not good when house hunting!! ). I checked and it was due to TWO new reports of collections from Midland. I immediately called the company when I realized it was the account I had previously settled. They were claiming that I still owed the remaining balance etc despite having documents stating the account was settled / closed. I was given the run around for 2 weeks, being told to call back tomorrow and not to dispute anything yet on the credit report because it could delay things. Finally I disputed it because the company was NOT helping me and kept pushing it off like it was nothing. The dispute went through but the collection is still showing on my report because it was reported TWICE and only one was removed. My credit has remained significantly LOWER despite having one of the collections removed, causing trouble with getting mortgage rates that Ive been working so hard for! Terrible terrible TERRIBLE and useless customer service / managers.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , reporting information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, an auto loan account opened at XXXX on XXXX XXXXXXXX XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Vehicle loan or lease

I have spoken with them several time in removing lates fees off my credit. My account have never been more than 30days late
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I had a mobile phone account with XXXX  until XXXX of 2023. That month I switched to XXXX ( attached bill ). 

However XXXX continued to debit my XXXX XXXX XXXX XXXX after the service was switched to XXXX. My credit card was charged for another 12 months until I discovered the charges from XXXX. 

At that time I contacted XXXX for a refund, the person on the phone stated that there was nothing they could do. 

I contacted my credit card company and disputed the charges, and some of them were removed from my card during the investigation. I later got a letter from XXXX XXXX saying too much time had elapsed since the charges were made by XXXX. 

XXXX owes me {$1400.00} in overpayments charged to my XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX of this year XXXX  I had a dispute with Capital One over whether my account deserved a late fee. It was established that I did not deserve the late fee and it was refunded after the fact of me closing the account and being told on the phone that I would not be charged anymore service fees or late fees due to I closed the account I have paperwork stating I closed the account on XX/XX/2023. My account balance was below {$300.00}. Which was my credit limit. Capital One after they closed my account took {$40.00} out of my cash app account which I have yet to receive back because cashapp support will not do a proper investigation. My complaint is I have now been charged {$110.00} in extra fees from Capital One Oh my account which reports on my credit report. I was informed by Capital One over the phone that when my account was closed there would be no more fees or charges added. What was the point of closing my account if they're just still gon na continue to charge fees
Product: Debt collection

I opened a JCPenny 's credit card on XX/XX/XXXX. I had 1 late payment in XXXX of XXXX. I paid the debt owed in XXXX of XXXX and that was the only time I was late in 13 years. Since then, I cut the card into pieces so I wouldn't use it again! Therefore, I should probably cancel the card! 

Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, aXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help 15 US Code 1681c-2 states that consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ;. On XX/XX/2022 Equifax mail me a letter see attachment Exhibit A the second denial of a block. Not only has Equifax decided to enforce their own laws they failed to address my concern and use their grave responsibilities to exercise with fairness and accuracy. Equifax failed to identify the information that I identified as Information that resulted in an alleged identity theft. Equifax failed to provide any documentation that the company has provide to verify. I don't understand how they are allowed to disregard and not abide by the the FAIR CREDIT REPORTING LAWS. Equifax STATED that in order to block certain information I must provide them with a copy of the identity theft report. Please see attachment Exhibit B. Exhibit also continues to report fraud on my consumer report. I have provide Equifax with every requested piece of documents that they required to identify myself and they literally seen me the same letter saying and requesting the same information.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Equifax, USPS Tracking : 9XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 XXXX XXXX XXXX in XXXX, GA XXXX. I have attached mailing attachments below along with the actual letter mailed to XXXX, along with tracking and signature when it was delivered. I have been disputing account ( s ) with Equifax. The account below are reporting inaccurately according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Mortgage

I am the non responsible spouse on the Mortgage. I have been and continue to be the only occupant of the home since XX/XX/XXXX. 

On XX/XX/XXXX, Amerihome, mailed a letter addressed directly to me. 

On XX/XX/XXXX, after receiving the letter addressed directly to me I contacted Amerihome at the number, XXXX to request a forbearance due to XXXX  impacted by COVID-19. At the time of the call the agent verified that I was on the account. During the call the agent informed me that the forbearance would be applied and I would receive a letter in the mail. 

On XX/XX/XXXX, after not receiving the letter, I called the same number ( XXXX ) to verify the forbearance was in place and to inform Amerihome that I had not received the letter. 

The name of the 1st employee I spoke with is XXXX XXXX # : XXXX. XXXX refused to provide any of the information I requested. XXXX stated he could not speak with me regarding the loan. I asked XXXX why would I receive a letter addressed to me if he couldn't provide me with the information I requested. XXXX repeated the statement that he could not provide me any information. I then asked XXXX who could provide the information and did he see the letter addressed directly to me. XXXX said he couldn't tell me anything. I asked XXXX for a contact for someone who could talk with XXXX said a manager could not call me because no one could discuss the loan with me and gave me a phone number to call. I dialed the number XXXX provided to learn it was bogus. 

I dialed Amerihome back at, XXXX on that call I spoke with XXXX XXXX # : XXXX. He informed me that he saw XXXX 's notes and he ( XXXX ) couldn't provide me with any information regarding the forbearance or the loan. 

On XX/XX/XXXX using the information provided on AmeriHome Mortgage website ( Legal information Doc ) i filed a complaint with the Department of Savings and Mortgage Lending and with AmeriHome Mortgage. I have not heard back from AmeriHome Mortage to date.

AmeriHome actions have put my home in jeopardy. I believe Amerihome is intentionally trying to force a foreclosure. Because of tAmerihome 's unwillingness to communicate with me I had to get Home Insurance without having any of the correct information from AmeriHome. I need this resolved now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiry Under FCRA Section 611 Dear TransUnion I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete the unauthorized inquiry from my credit report. 

The inquiry in question is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize this inquiry, and I have no knowledge of any transactions or agreements with this creditor that would justify its presence on my credit report. 

In accordance with my rights under the FCRA, please : 1. Conduct an investigation to verify the validity of this inquiry. 
2. Delete this inquiry if it is found to be unauthorized.

3. Provide me with written confirmation of your actions and any updates to my credit report as a result of this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX  XXXX bank was given to the Midland Credit company for collection and I arranged a payment plan with this company and paid an adjusted amount and last last payment on this account being on XX/XX/2021. The Midland account number is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I spoke with a representative with the Midland Credit co. and he stated that their records indicate it was paid in full on the aforementioned date. 
I would like for this discrepancy to be rectified as I am desperately trying to improve my credit.
Product: Checking or savings account

I opened a retirement account XXXX with Ally Bank and through the Ally Bank website, but withdrew the funds and closed it years ago. 

But Ally Bank refuses to close it. 

They write that it is an " XXXX account... Ally Financial owns Ally XXXX and Ally Bank, the XXXX divisions operate as separate entities and do not share customer information '' Which is a LIE because I was able to open the account through the Ally Bank website. So obviously, if it is indeed XXXX different entities, they obviously shared information to get my information through their website, when I used their website to open the account. 

And it's doubly stupid for Ally to claim that they can't close it. Because they closed my other ( savings & checking ) accounts WITHOUT MY PERMISSION last year due to an allegedly inaccurate address, which is the same supposedly inaccurate address for the XXXX account. If they think the address is wrong, they should have closed ALL my accounts. 

If I could open the account through the Ally Bank website, I should be able to close the account through the Ally Bank website.
Product: Money transfer, virtual currency, or money service

I got paid {$2000.00} usd from my VA benefits on XXXX, XXXX 2019. After receiving my money on Venmo services via XXXX transfer I paid my car note, got a hotel ( currently XXXX  ), and got gas and a couple other things. Upon my arrival at the hotel I booked on XXXX   with my Venmo card i tried to pay the {$10.00} early check in fee my card was declined. I go to the gas station next door to get money off of my Venmo debit, its declined twice. I call Venmo and the gentleman told me there were red flags in the internal system so they couldn't see why my car was getting declined or what the flags were, due to the fact they were system generated. He also told me my account was in good standings so he didn't understand why it was being declined. I got od the phone an at some point sent my fiancee {$1600.00}. After a full day of emails and calls still getting the same result I get an email late that night stating that my account has raised a red flag and had been frozen. After calling an emails the women informs me that I was in violation of the User Agreement, which they still haven't told me what violation accured, but also told me my account was permanently closed and funds were refunded back to my account. The {$150.00} that they froze an i tried to send via instant transfer, which wasn't available then sent standard transfer had been refunded back to my account. Now Monday XX/XX/2019 the XXXX transferred to my account along with the {$40.00} my wife sent me. 

My wife just received a email stating that the {$1400.00} i sent her has been flagged an under investigation. They have given no reason for the flag or no resolution. The email stated that it will take 180 days to reach a resolution. We are currently XXXX  because of this incident with no sign of it being resolved. I have screenshots as well as times and emails.
Product: Money transfer, virtual currency, or money service

I have an account at Revolut /XXXX XXXX XXXX   and I had my sba loan get deposited there on XX/XX/20 of XXXX $ and that locked my account I can not get ahold of support and I am unable to access my funds. there is no way to call or email any one to resolve why I'm locked out of my account and can not access my money.
Product: Mortgage

I submitted a complaint, 1st to Wells Fargo and second to CFPB, RECEIVED totally different responses from the direct WF complaint and the complaint thru CFPB. I Do believe there's fraud on the account. Wells Fargo accepted to do the modification and after two trial pmts backed out of the modification. And placed the house back on foreclosure. I filed XXXX XXXX to keep the house but now looking at the recorders office records. It showes the house was sold and recorded sold prior to the trial of modification. It showed sold to an address not a person XXXX XXXX XXXX. 3 yrs later the escrow acct is still in my name, showing the date that I originally purchased and made 1st PMT on XX/XX/2013 and I was also able to login to Wells Fargo as I use to do. And it showed all the info of the escrow acct. It requested my SS # my birthdate and it gave me the current balance as of 4 months ago, which was 1st PMT made on XX/XX/2013 and current balance of {$120.00}, XXXX XXXX I've requested a request from WF as to the escrow info and never provided anything. When there's a foreclosure. The acct gets paid in full. But that did not happen here. My escrow acct continued on the property. 
XXXX XXXX XXXX XXXX, XXXX AZ, XXXX. Recently the house was under contract for lease to own. I called the leasing office and told the about the situation and they reversed the contract that was signed s month prior. An atty asked me to contact you again and explain because there was a lawsuit from this office to WF. Was I included in the class action against WF. Hoping to get help on this fraud case. See Next Comments