23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted XXXX XXXX and XXXX several times in XXXX and XXXX to resolve this issue with no updates. 

I am writing to formally dispute the inaccurate information reported on my credit report regarding my XX/XX/XXXX secured credit card account ( Account No. XXXX ). Below are the discrepancies I have identified : This account was opened as a secured credit card in XX/XX/XXXX, funded with {$300.00} of my personal funds. Currently, two of the three major credit reporting agencies, as well as XXXX, are reporting a past due balance of {$310.00} as of XX/XX/XXXX, despite the account being charged off with a {$610.00} write-off. Additionally, the reports reflect that the account was 30, 60, 90, and 120 days past due from XX/XX/XXXX through XX/XX/XXXX, while the balance remained at {$310.00}. When I requested the account be closed, the {$300.00} security deposit I used to open the account was never refunded, leaving me uncertain as to how I owe {$610.00}. 

This inaccurate reporting violates several consumer protection laws : Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681e ( b ) and 1681i ) : Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. Reporting false information, such as incorrect balances and past-due statuses, violates these provisions. Additionally, I am exercising my right to dispute this inaccurate information, and I expect a thorough investigation and correction of the errors as required by law within the 30-day timeframe.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692e and 1692f ) : It is unlawful to misrepresent the amount of a debt or attempt to collect an amount not authorized by the agreement that created the debt. Given that this account was secured by my {$300.00} deposit, and I never received a refund upon the accounts closure, I believe the reported balance of {$610.00} and past due statuses constitute a violation of these protections. 

Truth in Lending Act ( TILA ) ( 15 U.S. Code 1631 ) : TILA mandates clear and accurate disclosure of terms and fees. The increase from a {$0.00} balance in XX/XX/XXXX to a {$610.00} charge-off, without clear communication or return of my security deposit, raises concerns about violations of TILAs disclosure requirements. 

Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : Failing to return my {$300.00} security deposit and inaccurately reporting delinquencies may also violate UDAAP regulations, which prohibit financial institutions from engaging in deceptive or unfair practices. 

I have attached XXXX XXXX statements from XXXX XXXX, which show a balance of {$0.00} and indicate that the account was closed at my request. Please explain how a {$0.00} balance escalated to {$610.00} and why I have not received my security deposit refund. 

In compliance with the Fair Credit Reporting Act, I request that you promptly investigate this matter and correct the inaccuracies on my credit report. I expect to receive a response within the FCRA-mandated timeframe.

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Product: Checking or savings account

I deposited a physical check from the State of Delaware. It was my paycheck. I received a physical check because I am changing my direct deposit. I was not told that there would be a hold on the check, but they are holding the check I deposited on XX/XX/XXXX until XX/XX/XXXX. I have bills to pay that are not being honored by the bank despite having my money.
Product: Debt collection

15 days after I sent an assessment payment to my HOA, they sent my account to a collection agency. The collection agency is charging me a {$40.00} partial payment fee and a {$30.00} late fee for the payment I made before the account was sent to them. The payment was not late. 

The fees that have been added to my account by the collection agency are over half what I owe and are based on the amount owed before I made my last payment. 

This HOA selectively enforces account collection procedures. Other members are delinquent for 2 years before their accounts are sent to an outside agency. Ive only been delinquent for 3 months. Aside from the pre-lien fee and various other fees they have already added, there will be more heafty fees and a lien put on my condo. Help! Im already having a lot of hardship. Btw, my hoa seems to foreclose on a lot of members ( several every year ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

Penny Mac loan services is messing up my credit by not applying my payments accurately and their system is not taking my payment timely. Since they acquired my loan I have had delinquent credit reporting for this type of issue. They inaccurately reported my loan 30 days late for XX/XX/2016. I successfully remitted my payment on XX/XX/2016 through the website and it was taken out of my account on XX/XX/2016. Please refer to my bank statement attached. On XX/XX/2016, I logged on an made a payment for XXXX 2016. To date my payment was not taken from my account so I make another payment. This is ridiculous and my consumer protection rights are being violated. My account has been assessed XXXX late fees and property inspection fees for XX/XX/XXXX and XX/XX/2016. My credit has been adversely impacted and my credit score has dropped XXXX points. 
This is a demand letter and I am going to file a lawsuit in federal district court as I am unable to get a loan for XXXX and have damages now over {$75000.00} to to loss of credit opportunities. Since acquiring my loan, my credit has been impacted with XXXX 30 day late credit reporting. If my credit is not suppressed for XX/XX/2016, XX/XX/2016, and XX/XX/2016, I will proceed with filing a lawsuit Pro Se XXXX. Please be aware that I have already filed a complaint with HUD do to loss of refinance opportunities and discrimination.
Product: Checking or savings account

Funds in the amount of {$79.00} was fraudulently stolen from my account on XX/XX/XXXX. The bank ( USAA ) initially reimbursed the funds on XX/XX/XXXX but took the funds back on XX/XX/XXXX, based on their investigation that said, " We can validate members information to the merchant documentation provided name, email id, and previous history with merchant. '' This is silly because thieves do not pull your name out of a hat, they link your account with the merchant. In my case, I did not place the fraudulent order but have in the past when my dog was alive. He passed away XX/XX/XXXX. 

However, I called the merchant " XXXX '' today at XXXX hours and spoke with a woman by the name of XXXX. She did not have my updated e-mail address on file. I had to give her my old email address to look up the account, so with that said, USAA said that they verified my email address with the merchant, but the merchant ( XXXX ) did not have my current email address at the time the money was fraudulently stolen. 

Due to several charges that led up to the amount of {$79.00} ; XXXX advised me that she would need the total of each amount and the date and therefore could not retrieve the information I requested, which was where was the order shipped to? 

I need my money reimbursed back into my account ASAP!
Product: Debt collection

I was contacted by MRS BPO LLC several times via mail and on my personal phone number. I requested proof of debt and they then text my wifes phone number with my informations stating that it is about a debt. I never received any further correspondence from them or validation of the debt but I thought they were no supposed to disclose that I owe a debt to other people when trying to contact me? Attached is a copy of the text they sent my wife.
Product: Credit reporting or other personal consumer reports

I am a former resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am disputing a collection account created on XX/XX/year>, for {$2900.00} on my credit report. At the time of eviction, I had XXXX, and Floridas executive order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus, XXXX, XXXX and Transunion to dispute this debt. Additionally, the collection agency for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting XXXX, XXXX and Transunion for 4 years straight now by phone and mailing in all of my supporting documents to help them resolve this issue and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX Veteran who experienced XXXX in XXXX and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my XXXX from XXXX XXXXXXXX behind. I never deserved what XXXX XXXXXXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from XXXX XXXXXXXX removed from my record. Thank you. Words cant describe how much my well being means to me.
Product: Debt collection

I have reached out to LVNV on XX/XX/XXXX and again in XX/XX/XXXX, in reference to account # XXXX with a balance of {$720.00} and informed them that I have no debt with them or anyone they represent. I have asked them to send me correspondence with my wet ink signature or any documentation in reference to this claim. It has been over two years and I have yet to receive anything from this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer servive and unfair practices, whice violate the consumer finaincial protection act. chash app failed to address and make timely mesures to prevent fraud on their platform. leaving me and my account vulnerable and unprotected.

Furthermore, their dispute resolution prosses was deceptive and non exsistant as they did nothing to resolve the matter. Their actions have and continues to cause signifagant inconvenience and finaicial loss.They did not comply with error resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and Regulation E.I seek appropriate redress for said violations.
Product: Checking or savings account

I'm just going to tell you a brief summary of what's going on with Wells Fargo Bank here in XXXX Colorado. Back in XXXX or XXXX of this year they stopped paying my wife 's medical monthly payment and has been going on for 22 years. On top of that when I tried to correct that problem I asked that they put a stop payments on that particular health organization since then they have been returning checks that I write and I have always had plenty of money in the bank. I haven't had any problems with Wells Fargo for the past 30+ years I have filed many complaints they keep on asking for more time to investigate and this has been going on since XXXX with the complaints. I'm okay if you can't do anything because I'm going to try and get the news to air it and bad mouth Wells Fargo.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I paid off my Grain account in full but they are continuing to report it as I owe to all of the credit bureaus. I tried to log in to the app to contact them but they have locked me out and I'm assuming because I have paid them in full. I received a notification a few days ago stating my credit limit was decreasing from XXXX to XXXX which is fine since they locked me out of my account months ago because I got married and they claimed I couldn't prove my name change even though I sent in all the proper paperwork and documentation.
Product: Credit reporting or other personal consumer reports

Please see attached.. Equifax has my credit file mixed up and refuses to fix it.. Please see attcted copy of my Id and SS with my legal name.. XXXX XXXX with is my only name. Some stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On early XX/XX/2020 I requested my annual free credit reports from the three main credit bureaus. I received XXXX  and XXXX  shortly thereafter. When it came to my Equifax instead of getting my report I get a request for additional information. This appears to be the same tactic used last year. Why is it that one out of the three bureaus always seems to have some type of issue with providing a timely copy of someone's credit report. In there letter they state
Product: Credit reporting or other personal consumer reports

Complaint Against Experian, TransUnion, and Equifax for Failure to Correct Inaccurate Late Payment Reporting I am filing this complaint against Experian, TransUnion, and Equifax for their failure to properly investigate and remove inaccurate late payment records from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : There are multiple late payment errors on my credit report that are completely inaccurate. The accounts in question were always paid on time while they were active, yet the credit bureaus continue to report late payments. Despite their legal obligation to ensure the accuracy of consumer credit reports, Experian, TransUnion, and Equifax have failed to correct these errors after multiple disputes. 

Accounts with Incorrect Late Payment Reporting : 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 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 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  Violation of FCRA and FTC Guidelines XXXX Under 15 U.S.C. 1681i ( a ) of the FCRA, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes inaccurate information. However, it is evident that Experian, TransUnion, and Equifax have failed to properly investigate these errors and ensure the accuracy of my credit report. 

Additionally, the Federal Trade Commission ( FTC ) mandates that credit bureaus maintain accurate reporting standards and remove any incorrect or unverifiable information. Their failure to act has caused significant damage to my credit score and financial standing. 

Requested Resolution : I request that the CFPB take immediate action and require Experian, XXXX, and XXXX to : Conduct a full reinvestigation of my disputes and provide documentation of their findings. 
Remove all inaccurate late payment records from my credit report. 
Provide a written confirmation that my credit report has been corrected. 
The negligence of the credit bureaus in maintaining accurate credit reporting has harmed my financial reputation and is preventing me from accessing credit opportunities. I request urgent intervention from the CFPB to ensure compliance with federal laws and hold the credit bureaus accountable for their failure to act. 

Thank you for your attention to this matter.
Product: Mortgage

Hello, Today XX/XX/XXXX just after XXXX I reached out to my loan company the money source, to ask about forbearance as my work hours have been cut. I work for a furniture company and there's a shortage of furniture so we essentially don't have any product to sell. The representative XXXX offered me forbearance with a large balloon payment at the end or refinance which wouldn't be helpful. I asked her for options other than a large balloon payment, which is not a practical option. Obviously if I can't pay for my mortgage during the intervening forbearance period I certainly can't pay it all at once at the end of the forbearance period. I mentioned to her that most of my coworkers were able to get forbearance with their mortgage companies and at the end of the forbearance the missed payments would be placed at the end of the loan. She told me that the law doesn't allow that and that option didn't exist and continued to encourage me to fill out an application which on further questioning was an application to refinance. She was polite but her main concern wasn't helping me, but instead convincing me to refinance or accept a massive balloon payment at the end of the forbearance. Neither option solves or even helps the issue. There was no option for a reduced payment either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button