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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX Inquiry : XXXX. XXXX 2020 XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX, 2020 XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Product: Mortgage

I made three substantial payments through the bank website, indicating the money was to go to pay the principal. The money was left in an 'unapplied state ' and not to pay down the loan. When I inquired, they said they first had to receive the monthly payment before they could apply the money. I made a monthly payment. Then they said they were going to wait for the automatically paid monthly payment before they would apply any of the money to the principal. When they did apply it, they did not follow my instructions, as they applied the funds to prepay MULTIPLE monthly payments. As a result, the principle is listed at over {$94000.00} when it should be around {$84000.00}. 

They are intentionally refusing to apply the money I sent as I instructed. 
I want this fixed and I want a credit for the extra interest that was generated for their failure to do this properly in the first place.
Product: Credit reporting or other personal consumer reports

I am requesting that XXXX and Transunion remove the account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX from my credit report. Please see the attached debt validation letter that was sent to the collection agency 2 months ago. Also, please find attached the original creditor statement verifying that they could not find an account with my name and the account number reporting. They also mentioned another collection agency as the owner of the account and a different balance. XXXX has since removed this account. Due to negligence and many FCRA and FDCPA violations I am demanding that this account is removed within 7 days. Please see the attached letters which are dated and time stamped for your records.
Product: Student loan

I have XXXX sets of loans with Navient. I have stafford loans and signature loans. I have been paying on both for quite some time. Navient promises to remove late pays and fees on the account and has not removed them on the account. Recently I was told that I would be current on my loans if I made additional payments yet my balance has not moved and all that can be seen on the account is that a payment was received. The payment was taken from my bank account within 24 hours. 
I have a issue with loans that I acquired for XXXX in XXXX school it is as if I am paying for loans that the school supposedly returned back to Sallie Mae which is now Navient. I think Navient is set to make buying a home and car affordable for any individual by adding fees and keeping loans on the account that were returned by the school. Something is not adding up. I have loans that are stafford loans ( XXXX through XXXX from XXXX however XXXX states that they returned the money back to Sallie Mae and I still have like I owe for those loans ) I supposedly owe XXXX for {$10000.00} that should have came back to Sallie Mae yet online says I owe it to Navient. 
When I call to inquire about my account the rep states that my account online is handled by a third party when it should be accurate and up to date information. Someone should investigate Navient for several reasons : debt accrued in school does not guarantee a job, I can not purchase a home because they refuse to send me a statement that would show what my loan payments would look like indefinite payment. Borrowing money has been my biggest downfall in life because I can not afford to buy a home. However, Navient is stealing money from people who are trying to pay the loans and not applying the money accurately to my account. I think they just come up with payment plans to keep you in debt forever. The rep told me to call in three days to see if my payment would be placed correctly on my account and it has not yet to this day. They still have me in the negative and being behind when I overpaid the three required payments that were supposed to bring me up to date.
Product: Mortgage

My parents ( XXXX and XXXX XXXX ) had a reverse mortgage on their property at XXXX XXXX XXXX XXXX XXXX XXXX. This reverse mortgage was recorded with the City of XXXX from XX/XX/XXXX-XX/XX/XXXX. My father passed away XX/XX/XXXX. My mother repaid the mortgage on XX/XX/XXXX. My sister and I want to put the property in our Mom 's name. Due to doing a title search. There is still an outstanding lien. The Financial Freedom Company has not completed the process of submission to the City of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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
Product: Debt collection

I was a tenant of XXXX XXXX XXXX ( landlord ) at their apartment complex, XXXX, in XXXX, Arizona from XX/XX/XXXX to XX/XX/XXXX. After I moved out, XXXX XXXX sent me a damages sheet and damages charges in the amount of {$1500.00}. They also deducted my {$300.00} security deposit. I called XXXX XXXX to discuss the charges as are they were not in accordance with lease agreement and not reasonable. I even emailed XXXX, the property manager with the dispute. XXXX or any one from wealth management never responded to my emails. My account was sent to collections. Rent Recovery solutions called me to collect the debt. I explained it to them twice that I do not have a debt. There is a dispute on damages and security deposit. Rent Recovery ( debt collector ) called me several times and threatened me to report me to credit bureaus. I insisted that I have emailed/called XXXX XXXX and they never responded to my dispute and that I do not have any debt. Without my knowledge, Rent Recovery reported to credit bureaus with a derogatory charge. My credit dropped XXXX points from XXXX to XXXX. Due to the low credit, my lender rejected a loan that I had applied recently. Due to XXXX XXXX and Rent Recoveries wrong tactics and fraudulent charges, I have suffered XXXX XXXX and harassment. And my loan was denied due to low credit score when I have always maintained great credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 my 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 60 days 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 XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX, according to XXXX XXXX XXXX XXXXXXXX ( b ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

Accounts listed below doesnt belong to me I never authorized nor open the accounts : 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 XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX spark was repossessed in the month of XXXX XXXX for late payment. Upon repossession I contacted loan office to see if I could get my vehicle back, was told I had to pay forwarded balance in less than XXXX week. The loan office, did not offer me a redemption period before the re-sale of the car. I Later was informed that the vehicle was sold and I was expected to pay resale cost and fees to them because they had to sale the car again. After requesting verification of resale, I was not rendered this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent too, authorized or benefit from any of the following inquires that are listed on my consumer file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have XXXX different cards with Citi Bank for over XXXX  years of usage. Never an issue or payment problems. Recently I forgot about an old business card I never used and hadn't updated the autopay account this bounced a {$25.00} fee XXXX times because I dont access that account or email. once I saw this i went on and changed the account and paid all dues in full. Citi decided at that point to clean house of all my accounts. They closed all of my accounts with no notice while I was in XXXX with not other option to pay there. They almost certainly stranded me and shutdown my XXXX personal cards that have never had an issue or a missed payment. They decided to shut down my rental business card as well with XXXX reason. They have just said due to this XXXX old business card issue they closed all my accounts with no notice. This is the most insane thing ive ever seen and when I tell others they dont even believe it all over a {$25.00} payment they closed XXXX accounts and XXXX years of history. Every time Ive called customer service they just say " a letter has been mailed and we have no information about these accounts just they are closed and can not be reopened. '' The letter they sent says you had a bounced payment in the last XXXX months so we closed all of your accounts. I would have loved a phone call or a heads up when this first happened or something instead of no warning shutting down all my accounts when i was overseas. If it helps add anything to this my total credit lines with citi was over {$50000.00} in credit line and they decided that a {$25.00} payment on an old account was enough to close it all. Ill do my best to tell every single person I can ever meet to never use this bank ever again due to trying to strand an american citizen with no payment method and no heads up.
Product: Credit reporting, credit repair services, or other personal consumer reports

They automatically enrolled me in a monthly subscription billing service that I did not enroll in. They have already started charging my credit card without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX  Account : XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I am requesting validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Specifically, I am requesting that you provide a copy of the original contract with my wet signature as evidence of the alleged debt. If you can not provide such documentation, you are required to immediately remove any and all negative marks from my credit reports ( including XXXX, TransUnion, and XXXX ) related to this debt. 

Be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 USC 1692e ] and the Fair Credit Reporting Act ( FCRA ). Therefore, if you fail to validate this debt as required by law, you must request that all credit reporting agencies delete the entry from my credit file.

Pending the outcome of my investigation into any evidence that you may submit, you are instructed to take no further action that could be detrimental to my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please note that this notice is an attempt to correct your records. Any information you provide will be collected as evidence should any further legal action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Furthermore, if you are unable to provide the requested evidence ( the contract with my wet signature ), please submit a copy of this letter and all related correspondence to the Consumer Financial Protection Bureau ( CFPB ) portal, and ensure that any negative credit reporting is immediately removed.
Product: Debt collection

Structured Settlement collection agency is repeatedly calling me on my cell phone because they're trying to reach my family member. I've told them this is the wrong number and they continue to call. They're very rude and unprofessional. I am documenting their repeated calls and will take legal action against them if necessary.
Product: Checking or savings account

The federal reserve has ach / micr checking clearinghouse that monitors all checks processed at any banking institution. It was noted to be large transactions at a lot of different branches both local and abroad. There are branch managers gate keeping and blocking investigations the grand total is an embarrassment. Before that that complaints taken by the California claims department which switched the acct into maintenance and mailed checks in the amount of XXXX to be intercepted by someone else check abuse at Bank of America for more noted examples. Even when my children accounts were closed abruptly because the fed discovered a XXXX scam and contacted each of XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX should still have accounts open in theory do to stolen transfers/ deposits. My account XXXX should not be closed a transaction recovered by check clearing house in XXXX of 2023 states otherwise where XXXX XXXX from XXXX, department of veterans items as well as notes taken at the northwestern hwy branch to support actions. Please look into much much more skeleton accounts at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX robbery at some point. ATMs lent out with access to my account, multiple cards distributed from card maker, work places that change their banking servicer at the same time as well as XXXX th district court from XXXX to BOA are all suspect localities stealing. Conversation on recorded lines discussing insuring accounts but not carried out. To speaking with the FDIC and then correcting someone elses account with similar information both past and present- embarrassing the amount of errors - but after speaking with the federal reserve- stating to first allow Cfpb to conduct its regulation of its assigned bank before further actions- hopefully your account never become community banking and foreign espionage involved-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.
Product: Credit reporting

On XXXX XXXX, 2016 Equifax deleted XXXX off my report and it was recently added back on without notice.
Product: Debt collection

There is an unauthorized inquiry and an unauthorized address on my credit report. I have attached a ftc report that shows an unauthorized inquiry and home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the XXXX XXXX when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported an account that did not belong to me-XXXX XXXX XXXX and caused my score to drop dramatically-79 points!! I had no knowledge of that account. It did not belong to be. Also, had 2 different credit files for me attached to my social security number. One with an incorrect DOB XX/XX/XXXX and another with my correct dob XX/XX/XXXX. Also, numerous incorrect phone numbers, addresses and incorrect names on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and recognize that there were some unauthorized inquiries on my XXXX, and equifax credit report. 

XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issue with XXXX XXXX XXXX, Experian, XXXX, and XXXX. It is true that I did fall behind on payments for my XXXX credit card and XXXX did assist in negotiating a settlement. However, after paying agreed settlement and receiving a statement that shows {$0.00} owed. XXXX XXXX refuses to report this to credit bureaus. I paid final payment of {$360.00} on XX/XX/23. I have filed multiple disputes with the each credit bureau to include uploading supporting documents that show balanced owed is {$0.00}. My bank statements showing date money taking out by XXXX XXXX XXXX, and copy of balance on XXXX XXXX XXXX showing remaining balance of {$0.00}. Each time file dispute XXXX XXXX XXXX just tells credit Bureau information of Remaining balance is {$360.00}. The credit Bureaus, particularly Experian have seen these uploaded documents but still decided to let remaining balance remain. It is as if none of them even looked at documents, especially the XXXX XXXX statement showing {$0.00} remaining. Im not asking for this closed account to be removed or any late payment history expunged. I should be held accountable and it should reflect on my credit report. However, the remaining balance should be updated to {$0.00} because I did pay and have provided proof, which I happily attached
Product: Credit card

Bank of America has been in direct violation of the Credit Card Accountability Act of 2009 by constantly applying payments in excess of the minimum required payment to balances with lower APR. 
After multiple calls, BOA associates have acknowledged the issue and promised to fix it, but nothing was ever done. Furthermore, I 'm fairly certain that the same incorrect interest charges are applied to XXXX other customers. 
This issue has been going on for more than a year with my account specifically, and I simply have no choice but to file this complaint.