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

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with XXXX and barely any information being reported for EQUIFAX. Also XXXX accounts are being reported and updated as a collection on my report. These accounts are also stating a balance of {$340.00} when the balance should be XXXX due to these accounts being charged off as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Mortgage

During Covid all business was shut down, requested forbearance. Submitted without response. Quickly recovered and within 90 days made 2 overpayments overpayments to bring account current. Continued to make overpayments. Servicer added fees continually, REDUCED principal but added fees, and did not apply payments as requested. During this entire process and COVID lockdown threatened foreclosure.

Has a history of Real Estate Issues and license suspended
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS IS REPORTING AN UNPAID BALANCE ON AN ACCOUNT THAT HAS BEEN PAID IN FULL. XXXX XXXX  HAS BEEN PAID IN FULL AS OF XX/XX/2023 AND THEY HAVE SENT CORRESPONDENCE TO CHEXSYSTEMS. CHEXSYSTEMS HASN'T UPDATED THE STATUS OF THE ACCOUNT EVEN AFTER XXXX XXXX  HAS INFORMED THEM OF THE CORRECT STATUS ON XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX It took over four years to get several addresses that were never mine from my profile, even after I provided fraud reports. 
I asked for reporting procedures for reinvestigation on incorrect listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public record. XXXX said it was verfied through XXXX XXXX. XXXX XXXX does not have this info! They will not reinvestigate, they will not delete any inaccurate information I was even told they will not reinvestigate because they investigated already. 
They have been harming my credit for years preventing me from purchasing property and getting loans and credit
Product: Debt or credit management

Pretty much back in XXXX  or just before the beginning of XXXX  i signed up for this third party app ( Bright Money ) to help me pay off a credit line i have with XXXX XXXX XXXX in Alaska, i have {$890.00} dollars and some change tied into there app to help pay off my credit line i had with XXXX XXXX XXXX. But my credit line got XXXX  out and i cant access that card anymore so ive attempted many times to get my money back grom this third party app and still havent had any success as they keep telling me there is no money in the account yet it shows me that i do as it is tied into that credit line. Over the past 2 years ive yet to get any reimbursement of my money and keep getting thrown in the back burner per say as theyre saying theyve paid my bank this money i have tied in, i contact my bank and they say they havent received any money from this third party app, yet they tell me they paid them. I would like it if you guys could help me out as ive just been wasting time contacting them as well as reaching out to them for a solution to my problem i have with them. I tried getting my credit line back open with my bank to be able to access the money but my bank couldnt re-open the credit or give me the same card with the info needed to verify the card again. Ive explained this to bright money multiple times and still no resolve as they are saying that the acciunt doesnt have any money in it. Ive sent them screenshots of the money still in the account yet they say there is no money and that my bank has received the funds. Doesnt make sense as to it still showing me the money is in the third party app account yet there saying its not even in the account. If I could get some help would be greatly appreciated. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive previosly disputed this account, my rights are being violated this accounts doesnt even show the dispute status on my credit report which is is an FCRA violation. ive been with DISCOVER for a long time, and I have always appreciated the good value and service I have received from Discover. Recently I checked my credit report and noticed a mistake from my closed credit card with account number XXXX. I was devastated to see a late payment from XX/XX/2023. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. Im getting a promotion from my job so they ran a credit check and thats when i discovered this. this has to 100 % be a billing error. Will you kindly send me? confirmation that this erroneous late payment has been corrected updated to paid as agreed and deleted from my credit report. 





If you believe its correct, I demand : -The date whomever validated it was correct. 
-The method used to validate this Billing error. 
-The name of the person who received the permission to validate this error. 
-The documents used to determine this error. 





I would appreciate if this matter were handled in a timely manner. 

XXXX XXXX
Product: Mortgage

Specialized Loan Servicing ( SLS ) recently wrote to inform me that I did not provide them with all the documents needed to complete my modification application. This is untrue and follows the pattern of months of having to resend documents multiple times. In fact XXXX of their agents informed me today that the document first thought missing was actually sent by me on XXXX XXXX. As a result of not acknowledging or accessing all available documents for their review, I was informed by an agent today that I have to restart the modification application process. I first started this process with SLS on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Point has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX  that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with Lending Point. I've paid off the loan in XXXX of XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at Lending Point that they have reported multiple 30 days late payments on my account to XXXX. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by XXXX  that multiple 30 day late payments have been reported from a loan that I had with Lending Point back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )
Product: Payday loan

I applied early on Wednesday. I was told I had applied and was approved early enough to have the money in my account the next day. I did not. I called and was told it would be in my account the next day. It was not. I waited another day and on Saturday, still no money. I called and was told they had a " system error '' and that I would get it Monday. Well, I doubt I will. Even if I do, that is almost a week later than I was assured I would get the money. I asked about adjusting my payment date and was told they could n't. I asked about lowering the interest charged on the first payment, since I was now, at best, getting the money 3 weeks before the first payment is scheduled instead of almost a month. I was told they could n't change anything. They are charging me interest on money I do not have. This can not be legal.
Product: Money transfer, virtual currency, or money service

I recently submitted a fraud claim for {$6600.00} under claim number XXXX, but it was denied. I want to emphasize that I have never placed a bet, visited XXXX XXXX, or been to a casino. Gambling is strictly against my beliefs as a XXXX XXXX. My phone was stolen, along with my cards, which contained my personal and financial information. I contacted my bank, XXXX, about the fraudulent activity, and they refunded the amount, confirming that it was indeed fraud. However, despite this, I was denied temporary credit during the investigation. 

This delay has put me in a difficult position, as I am behind on bills and urgently need the situation resolved. I kindly ask for the matter to be re-examined and resolved as quickly as possible.
Product: Payday loan, title loan, or personal loan

Company offered {$2800.00} loan to my husband at 24 % interest without disclosing " customary fee '' which brings total to 160 % interest. Company says this fee is not interest " for the purpose of Tennessee law ''. 

I asked about protection under the military lending act and they said they never heard of it. They said " the state regulates the interest amount ''. If that is the case, why is their outrageous fee " Not interest for the purpose of Tennessee law ''? 

Paid {$460.00} this month. Principal balance dropped by {$78.00}. 

Next payment due is {$630.00} Company said payment will be different every month. How does an installment loan have a different payment every month? How can it ever be paid off if it accrues over {$400.00} in interest per month? 

He was medically seperated from XXXX XXXX due to a XXXX XXXX XXXX  causing XXXX XXXX XXXX   XXXX XXXX, XXXX, and XXXX XXXX. He is XXXX XXXX XXXX and his only income is VA XXXX. 

This company is preying on people like XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these items, which I assert are the result of identity theft. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXprev. late open XXXX XXXX XX/XX/year> XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XX/XX/year> XXXX XX/XX/year>.
Product: Credit card or prepaid card

I opened a SECURED Capital One credit card in XXXX. The representative gave me inaccurate information. She advised me, that I could add {$300.00} more to increase the credit limit to {$500.00}, but DID NOT mention, that I should not make any purchases until I added the money. Unfortunately, her inaccuracy resulted in a less than desirable credit limit. Initially, I was advised, that I could request an increase in ninety days ; which wasnt the case. I spoke with the supervisor XXXX XX/XX/XXXX and XXXX XX/XX/XXXX regarding the injustice, and increasing my credit limit. Plus, I spoke with other Capital One supervisors regarding increasing my credit limit.
Product: Money transfer, virtual currency, or money service

I transferred from XXXX XXXX bank $ XXXX on XX/XX/XXXX. XXXX XXXX shows the transfer went through. Capital One bank does not show it. They only tell me it is a software problem and would be fixed by Friday morning XXXX XXXX. It has now been 4 days and I do not have the funds which have cost me to be unable to complete a transaction that is costing me around a {$4000.00} loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items. which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

Firstly, the notice was sent to the wrong address. I believe I confirmed with the agents my actual address. Please listen to the call recordings to confirm. They listed " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I listed my address as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX. XXXX, I called Ally bank ( XXXX ) re : I had noticed that an 'application inquiry ' had been posted to my credit report ( via XXXX from XXXX ). This call was made at XXXXXXXX XXXX  XXXX XXXX and lasted XXXX. 

XXXX  was one of the companies that this occurred with, XXXX XXXX was the other ( not affiliated with XXXX ). I called XXXX  promptly ( the XX/XX/XXXX call I mentioned ) to ask that this be marked as fraud. I specifically asked, more than once, that this application be withdrawn and cancelled, prevent the card from being sent, and that they inform the credit bureaus. I was assured that this would happen. The pre-message to this call said that it would be recorded. 

I called the same number again ( again, from my credit monitoring service ) on XX/XX/XXXX @ XXXXXXXX XXXX  central. I had been notified that my credit balance had changed. 

Turns out that whoever got this card, charged nearly the maximum to " XXXX XXXX '' within the week of XX/XX/XXXX, in XXXX, Idaho. 

I moved out of XXXX on XX/XX/XXXX to move to XXXX, TX. 

From this call, they launched an investigation, but refused to provide the 'sign up email ' and 'application phone number ' from the original application as it was 'under investigation ' ( understandable ). 

I feel that I gave them a fair opportunity by calling to ask Ally to cancel the application when I realized that I had not submitted it, as I lived XXXX miles away when it was filed and I had not been to that house in some time. That house is where my ex-husband lives. We have been trying to be amenable, and he is totally willing to help with gathering information. 

His name is XXXX XXXX XXXX XXXX ) XXXX, he goes by XXXX. His number is XXXX and he has been alerted to a possible contact and wants to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection acct removed off my report that was not mine the company that reported it put it in the wrong person 's credit report. The acct was not in my name nor was it attached to my ss # number. I had this removed from my report back in   XXXX   XXXX   2017. The credit bureaus put a fraud frezze on my report without my consent. Then in   XXXX   XXXX   I applied for a home loan and   XXXX   was unable to pull my Equifax report due to a fraud alert. I called   XXXX   XXXX   and had them remove it. Since then  XXXX  has tried to pull my credit  XXXX  times for a mortgage and  XXXX  and  XXXX  pull forward and Equifax still will not pull forward. I have made over 42 phone calls faxed several documents as well as the bank and  XXXX  the Thrid party company has contacted Equifax. We are getting no where everyone keeps telling us there is no block. But my report continues to say blocked from Equifax. This has put a tremendous hardship on my life I 'm unable to get my home and now have no home to live in. I 'm living in my fifth wheel due to us not getting our home loan. This is unfair and has put me in the hospital once for chest pains. I need this fixed and right away I do n't know how to get it resolved so I have filed a complaint here the attorney Generals office and the better business bureau and I feel i need a attorney and sue for stress and hardship and health issues this is causing as well as my family is basically  XXXX  due to this credit bureau blocking my report without my permission Thank you
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are several inaccuracies listed on this account as follows : The Date of last activity is showing 3 different dates no way this is accurately reporting, The date of last payment is showing 2 different dates Close date does not match Last day of activity The presence of multiple dates for these fields is misleading and fails to meet the FCRAs accuracy standard ( 15 U.S.C. 1681e ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 that the information is inaccurate.
Product: Mortgage

We sold our condo which had a mortgage on it that SPS took over from  XXXX XXXX XXXX a couple years before. The loan closed the morning of XX/XX/XXXX. SPS was paid off with a wire from XXXX Title and Trust the morning of the XXXX. The loan could not have closed had SPS not received the wire for {$720000.00}. The attached Master Closing Statement clearly shows XX/XX/XXXX as the settlement date as well as the disbursement date. I sent {$2000.00} extra to the closing to cover any extra charges that might show up at closing which is customary. I have also attached my XXXX XXXX  XXXX bank statement which shows XXXX XXXX XXXX refunded me {$1900.00}, the overage, via wire XX/XX/XXXX and that I received immediate credit. SPS is saying the loan was closed XX/XX/XXXX when I have proof that they had their payoff of {$720000.00} the morning of XX/XX/XXXX not XX/XX/XXXX. SPS is attempting to cheat me out of {$110.00}, daily interest x 3 days totaling {$330.00}. I have also attached the SPS payoff statement showing this {$110.00} amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the In accordance with the fair credit reporting act The list of accounts below has violated My federally protected consumer rights To privacy and confidentiality XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX account # 2024 has violated my rights XXXX & XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Now account XXXX XXXX XXXX U.S.C XXXX Section XXXX A States I have a right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : No consumer reporting agency may make Any consumer report containing Any of the following items Of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years XXXX U.S.C XXXX ( A ) ( XXXX ) 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 that the information is inaccurate.