23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Willful non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e On ( XXXX/XXXX/XXXX ) I wrote to ( Equifax ) to request verification of a BankruptcyXXXX regarding CA FED BK-XXXX Ca. XXXX, which they have been reporting to the credit file. I formally disputed this claim. I not only disputed this claim for verification and validation this Bankruptcy within 30 days of receiving my certified letter ( receipt number XXXX XXXX XXXX XXXX XXXX XXXX ) received on XXXX/XXXX/XXXX. Equifax not only failed to provide me with verification, they did n't respond to me at all and continue as of today XXXX/XXXX/XXXX to still report to the credit bureau, which has been detrimental to my credit score for a Bankruptcy they were not able to verify. Let me explain. 

I am including all documents to show that Equifax is making false statements and representation. First off Equifax did not respond to me since XXXX XXXX, XXXX i included my receipt to my certified letter. Before I sent another dispute to them prior I had put security freezes on XXXX, XXXX, XXXX, XXXX XXXX have documents to show proof if needed. ( see dates ). 

I have also included the letter from the XXXX Court stating that they do not report to any Credit Bureaus. I have also included the letter I received from Equifax stating they verified it with XXXX XXXX after the time the security free was started " How is this possible which has been detrimental my livelihood and my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b - Timing of 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. The late payments on XXXX XXXX XXXX XXXX are current and open, there should not be any late payments reported and I have not received any documents showing these late payments within the 21 days before due payment. Please remove and delete the late payments attached to XXXX XXXX XXXX XXXX from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1679c disclosures. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. Department of educationXXXX student loans are over 7 years old. Please remove these accounts and delete the late payments attached from my credit report. According to code 15 USC 1681. The companies listed below has violated my rights. 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 an 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. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX {$8200.00} DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$920.00}
Product: Student loan

XXXX of 2015 I received a call from a well spoken man claimming that he was working with a company who received a federal grant from a new bill President Obama issued to consolidate federal student loans. I was really excited because I had just given birth to my XXXX son and was getting back on my feet after being XXXX and just moved into my first apartment so I did n't ask a lot of questions, he said he was from the government and that his company was with the XXXX and had a great rating. I gave him all my personal information and completed some paperwork over the phone and I 've been paying XXXX a month to the Equitable Acceptance Corporation since XXXX. They have been charging me interest and I 've had the loan for a year but it never seemed to go down and whenever I called to ask them about it I reached only a voicemail. Between XXXX and XXXX I received letters from XXXX my REAL loan company saying my bill was XXXX $ and I owed XXXX $ so I assumed that this was because of my loan with equitable acceptance. 
The man I talked with to set up the loan with equitable acceptance knew that I was recently XXXX and that my financial knowledge was minimal and he assured me that this loan would be a great step towards a positive financial future. I 'm a single-income home and provider of a minor ... I 'm really disappointed in myself for falling for this scam but I 'm even more frustrated that a company like this is even allowed to exist.
Product: Bank account or service

XXXX XXXX XXXX had checking account XXXX with BBVA Compass Bank. He received a wire of {$1300.00} funds from an associate he has been having business with. He withdrew the funds for business purposes within 5 days of receipt. XXXX XXXX XXXX of the bank 's XXXX XXXX, telephone XXXX, option XXXX, then said a XXXX party, not identified, communicated to the bank that the funds in the wire received were his funds and not intended to be wired to XXXX XXXX XXXX account, cited above. XXXX XXXX XXXX then closed this account, stating " fraud '' had occurred in sending someone else 's funds to XXXX XXXX XXXX account, and refused to refund {$170.00} in the account at time of closure. She said she had the XXXX party not identified withdraw the funds. The {$170.00} was from a deposit of XXXX checks in XXXX XXXX XXXX name, not wired in funds. XXXX XXXX XXXX contends in this matter that the party committing the " fraud '' is the unidentified XXXX party who made the allegation that his funds were improperly wired to XXXX XXXX XXXX account. XXXX XXXX XXXX is asking for a refund of the {$170.00} in his account when it was closed.
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 Experian 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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries 1 ) now com XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX. I pulled my XXXX report and noticed 3 fraudulent/unauthorized inquiries 1 ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pulled transunion credit report and noticed XXXX fraudulent/unauthorized inquiries XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX. XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Checking or savings account

On XX/XX/2021 I filed a dispute with Chime bank because I return my items ( XXXX ) and cancel a reservation to a hotel ( XXXX XXXX ) and chime still denied my claims and now I have negative balance of - {$4900.00} I sent chime my return receipt and they still denied my claim. 

My other issue is on XX/XX/XXXX I filed another dispute with chime for unauthorized charges made on my account. I had charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I also sent in evidence but they still denied my claim. 

I contacted the merchants that was fraudulent used in my accounts and they sent me receipts with a name XXXX XXXX attach to them. I will provide those documentation at the bottom. 

Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Equifax Credit report. The inquiries that I listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FROUDULETN INQUIRIES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i never applied for this card its not mine Reported balance {$2300.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$2300.00} Account status Closed Date reported XX/XX/XXXX Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue. 
Account type : Revolving EFX Help mark icon Whats this? 
Account owner Individual Account Loan type Credit Card Creditor classification Revolving credit limit {$2200.00} High credit amount {$2300.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/XXXX Date reported XX/XX/XXXX Date of last activity Payment Details Months reviewed XXXX Date of last payment XX/XX/XXXX Deferred payment start date Scheduled payment amount Date closed Actual payment amount Charge off amount {$2300.00} Delinquency History Balloon payment date Date of first delinquency XX/XX/XXXX Balloon payment amount Amount past due {$2300.00} Date of major delinquency reported XX/XX/XXXX Comments Consumer Disputes After
Product: Mortgage

I am very worry of the way my loan is been credit. I receive the escrow review statement dated X/XX/2017 reflecting escrow shortage for the amount of {$4800.00}. Since I do not want any other fees to be added to my monthly mortgage payment. I decided to pay the full amount of the shortage. I mailed out a check to Wells Fargo on X/XX/2017 for the full amount of {$4800.00}. and it was withdrawn from my bank account. However the monthly mortgage statement I keep receiving from Wells Fargo is reflecting my escrow is higher every time. With this complaint I am providing a copy of the check I mailed to Wells Fargo. Also my bank statement shows the check was cashed out. I dont understand if I paid my shortage of {$4800.00}. My mortgage statement dated X/X/2017 is reflecting a escrow balance of {$6200.00}. I am requesting a detail explanation of how my loan was credit. Also the an explanation why my escrow keeps increasing every time. Please address all my concerns since I do not want to fall behind. Due to Wells Fargo 's mistakes Thank you in advance for your consideration.
Product: Checking or savings account

As of XX/XX/2023 I received an email from the online banking company Chime stating that my checking account and credit builder account were closed for no reason other than this Were sorry to share the news that we have decided to close your Chime Credit Builder Visa Credit Card Account and Chime Credit Builder Secured Account, effective immediately. Your account was closed for the following reason ( s ) : Account does not comply with internal policies and/or the member agreement. Once your secured account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days to the address we have on file for you. - sincerely, Chime. 

After receiving this response I immediately called the customer service line to figure out what happened exactly and the representative failed to provide the exact necessary details as to why my account was closed. However, after battling back and forth with the representative I asked for a supervisor who stated the the following quoted text above. Then I instructed to reach out to the Chime support via email. And once again no actual reason for the account closure. I have had my Chime account for about the length of 9 months total and Ive never had an issue with any of my activities. Other than dealing with unauthorized or returned transactions. Chime failed to provide me a notice so that I can arrange for my funds to be handled accordingly rather than having to wait for a check to be mailed out within 30 days to the address on file. 

This unaware closure has caused a HUGE inconvenience for me because my checking is set up to receive deposits from my upcoming benefit paychecks, income from my social media platforms that Ive earned, income from side gigs, etc. And so without having immediate access to my funds Im unable to make my bill payments on time, cover my financial obligations & other costs. And since bill payments will not be made on time, I am forced to have to endure unfair & uncredited late payment fees. This situation is complete unreasonable, its behind handled unfairly & lastly, it is being forcibly imposed on me without once again a simple heads up. This has effected most under class Americans like myself and I will not stand for it. I would like for this situation to be resolved and to know the exact details as to why it occurred in the first place if possible.
Product: Mortgage

SPS keeps saying no modifications! Called XXXX XXXX said would approved? going thru state assistance to bring current now. Keep saying NET PRESENT VALUE they just want to take house because of equity!!!!!!!!!
Product: Payday loan, title loan, personal loan, or advance loan

I have tried to use their " Pay-In-4 '' option over the last two months. They have denied me. The reason they've given are outdated and don't apply to myself as now I use my bank account as the primary funding source. The systems are metric they use are discriminatory in nature based on the information they use. Any time a banking error has occurred, it was rectified immediately and payment was made.
Product: Student loan

I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX  already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.
Product: Debt collection

This was a third party company that got a hold of my new phone number that isnt tied to anything that has to due with credit card accounts or debt. I just got this number and this company portfolio recovery retrieved my number. Telling me I need to pay them for a collections tied to a XXXX XXXXXXXX credit line. When I have checked in my XXXX credit that it had been closed out. So in my assumption my information have been sold to them. Even my new number. That I just got the end of XXXX. How is this possible? My old number is tied to so many different things. I haven't even setup this new number just yet to anything. They had my information of my old home as well. They have been persistent calling and they had sent an email with different information with a different phone number to it. So this seem more of telemarketing collect. I have screenshots of the email.
Product: Payday loan

I 'm unaware of this payday loan, I 've disputed this account and no action has been taken. I 've also requested original documentation with my signature on it validating this alleged account.
Product: Checking or savings account

On XX/XX/2022 I opened a Citi Accelerate Savings account online with the rate of 1.0 % interest rate and 1.01 % APY. I have deposit {$130000.00} in this account. The XX/XX/2022 statement only paid 0.6 % ( {$56.00} ). The XX/XX/2022 statement only paid 0.89 % ( {$99.00} ). I called Citibank to inquire about this error. The XXXX said they can change the rate at any time and that is why it only paid 0.6 % and 0.89 %. I told them I have checked my account XXXX times a week since opening the account and it stated 1.0 % every time. They told me too bad but that is how it works. This is a clear case of bait and switch. They have been advertising this interest rate for WA and other state residents for months. Citibank has also not allowed me to link my account to other external bank accounts so that I can withdraw money. They message says access blocked every time I try to link an external bank account through Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an email from Bridgecrest I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX  or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>