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

I am a victim of the XXXX XXXX XXXX I filed a claim it was approved but nothing has been done no monitoring no reimbursement for money I spent to try and fix the damage caused to me. 

This account was a savings account to help build my credit. On XXXX XXXX XXXX at XXXX XXXX XXXX XXXX I requested via email that LOQBOX close the account, ( see attached email ), and as you can see from the attachment in XX/XX/ it was still open, so I blocked them from accessing my checking account causing the issues as to why I'm filing this complaint. LOQBOX has reported to my credit file that I had been late totaling ninety ( 90 days ) but I was never 30-day late. this led me to the conclusion that their actions were intentional and were meant to cause harm to me and my credit which they did, despite my numerous challenges to XXXX they refused to correct and/or remove the inaccurate information from my file, claiming it was verified and refusing to correct this issue, this has remained on my credit for two years causing harm to me and preventing me from receiving higher credit limits and credit line increase. see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

BBVA Compass is not allowing me to close my account. They told me that they will close my account so long as there are no transactions within 30 days. They have taken out funds from my account when and have a note it is for some type of offset. After a week, I call back to check on my account because of this " offset withdrawal '' and there is no record of my calling about the account to be closed. I live in NJ, and there is no BBVA Compass in NJ or NY for me to handle this at a branch. Each time I call, I hear a new statement. Agents are not entering in notes. The bank keeps transferring funds between checking and savings account which leaves me with overdraft fees which they will not refund. I need to close this account as soon as possible because this bank is not capable of doing anything except stealing consumers finances. 

The last representative I spoke with is XXXX : Employee XXXX He did not allow me to speak with a supervisor. 

Now living in another state, I have to call a branch and investigate the debit memo myself. I do n't believe that is my job. If I am calling a bank to help me figure out something, they should have the courtesy to follow up with the branch and see why this happened. Instead of me explaining my story to multiple people when there are no notes being made in the account anyway. Overall I would like to prevent any of my money to go to BBVA Compass.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several copies of my current FTC Identity Theft Report to Equifax, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
Per federal law ( FCRA 605B ), consumer reporting agencies are REQUIRED to BLOCK the reporting of any information identified as fraudulent within 4 business days after receiving the aforementioned documents. Equifax is ignoring federal law, believing it is their right to do so, according to one phone rep.

I have called Equifax several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. This is clearly willful noncompliance as defined by FCRA 616, making Equifax liable for the damages described therein.

They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them.

As a military veteran, I am shocked and disgusted that a large,  supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. I would like to see an investigation led by a government agency look into this matter and force this rogue company to abide by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX XXXX  loans on my credit report by XXXX. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : Recently, I went in to inquire about a transfer of credit at 0 % offer XXXX XXXX  published recently in my area. I thought I might get two small credit card balances transferred and paid off by transfer and saving a little on the cost of the cards use.. Also, my larger loans at 8 % may have qualified for pay off using this transfer rate, according to internet information I found. However, after being denied, and accepting the denial, my credit score took a dive of XXXX points. Why does asking for credit make the scores dive? I wonder why all the accounts from the past that have been closed and paid in full, as well as the current accounts being paid on time and lacking collection are used for so long a period of years? As I left XXXX XXXX  I talked to a lady who was making a withdrawal and told her my story. She said the bank asked her WHY she was making a large withdrawal? Does the bank have the right to do that? 
Thank you for your help in the past, I am confident your agency will provide guidance to me in the future. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

TO : CITI CARDS, XXXX XXXX, XXXX XXXX, XXXX XXXX BY FAX : XXXX XXXX PAGES FROM : XXXX XXXX, XXXX XXXX XXXX, APT XXXX, XXXX, XXXX XXXX XXXX : ACCT. # XXXX GENTLEMEN : AFTER MANY YEARS OF DOING BUSINESS WITH YOU ON MY SUBJECT ACCOUNT, YOU HAVE BECOME IMPOSSIBLE TO FOR ME TO DO BUSINESS WITH. YOU HAVE CONTINUED TO MAKE LIFE DIFFICULT FOR ME BY YOUR LACK OF RESPONSIBILITY IN DOING THINGS ON A TIMELY BASIS. AS A RESULT IF THE MATTERS LISTED BELOW ARE NOT RESOLVED BY XXXX, I WILL FILE A FORMAL COMPLAINT WITH THE CFPB. 
THE MATTERS TO BE CLARIFIED ARE LISTED BELOW : 1. ON XX/XX/17 I RECEIVED 2 CHARGES, EACH FOR {$99.00}. THEY WERE FROM XXXX XXXX XXXX, & XXXX XXXX. I DISPUTED BOTH OF THE CHARGES, INFORMING YOU THAT I DID NOT ORDER EITHER GOODS OR SERVICES FROM THESE PARTIES. THE CHARGE WAS CANCELLED SUBSEQUENTLY. AS A RESULT OF THESE FALSE UNAUTHORIZED CHARGES, MY OLD CREDIT CARD, ENDING IN XXXX WAS CANCELLED, & THE NEW ACCOUNT CARD WAS ISSUED. ON XX/XX/17 THIS MESS AGAIN RAISED ITS UGLY HEAD WHEN I RECEIVED A FORM TO FILL OUT, SWEARING THAT I HAD NEVER AUTHORIZED THE CHARGES. YOU ACKNOWLEDGED THE STATEMENT IN AN EMAIL TO ME. HOWEVER YOU FINALLY PUT THE CHARGES BACK ON MY CREDIT CARD, WHICH I PAYED BUT DID SO ONLY BECAUSE YOU FAILED TO CONTACT THE SUPPLIERS ON A TIMELY BASIS. YOUR NEGLIGENCE COST ME ALMOST {$200.00}. 

2. ON XXXX I FAXED YOU THE FROLLOWING : I AM HEREBY CANCELLING MY REFERENCED CREDIT CARD. I FIND THAT OUR LONG TERM RELATIONSHIP NO LONGER WORKS. YOU WERE FOR MANY YEARS AN EXCELLENT COMPANY WITH WHICH TO DO BUSINESS. I NO LONGER FIND THAT TO BE TRUE. 

3. ON XXXX, I FAXED YOU THE FACT THAT YOU HAD NOT CANCELLED MY CREDIT CARD AS REQUESTED ON XX/XX/17 AND AS A RESSULT A CHARGE WAS PUT ONTO MY ACCOUNT, WHICH SHOULD NOT HAVE BEEN HONORED, SINCE MY ACCOUNT WAS REQUESTED TO BE CLOSED ON XX/XX/17. YOU IGNORED ME, AND INSIST THAT I PAY A BILL FOR A CHARGE OF {$14.00}, WHICH SHOULD NOT HAVE BEEN ACCEPTED ON A CLOSED CREDIT CARD. I AM NOW REQUESTING AGAIN THAT YOU REMOVE THIS ILLEGAL CHARGE. 

XXXX. I HAVE EARNED A CREDIT OF {$41.00} ON MY ACCOUNT, PRIOR TO CANCELLATION OF THE ACCOUNT. I REQUESTED THAT AMOUNT BE PAID TO ME AS I HAD EARNED THE {$41.00}. YOU REFUSE TO DO SO! 

I DO NOT FIND THAT YOU HAVE DONE BUSINESS WITH ME ON A PROFESSIONAL AND TIMELY BASIS, AND THIS WILL BE MY LAST ATTEMPT TO HAVE YOU CORRECT THE MATTERS BEFORE I TAKE FURTHER ACTION AS LISTED ABOVE. 

XXXX XXXX XX/XX/17
Product: Debt collection

XXXX XXXX XXXX, is appearing on my XXXX Credit Report and the agency has refused to remove this item
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the quick removal of the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. 

Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.
Product: Student loan

I submitted a deferment request application over a month ago. I was informed that it would take a few weeks. Every time Ive attempted to call I have had to wait on the phone for over 5-6 hours. I will then email as my second option and the email respond with two automated replys. The first stating someone will be in touch with you soon and the second email says due to an unprecedented amount of emails. We are unable to provide a response to your specific inquiry. It is ridiculous I can not have a simple answer to my predicament and its ashamed I cant even get a minute of their time to discuss it. For something that I decided to utilize to further my education, you would think customer service would at least be decent.
Product: Mortgage

I've received several letters that appear to be from my mortgage lender but are actually advertisements from Rate Plus Inc. ( XXXX ID XXXX ) offering to refinance my mortgage with them. I'm worried that someone who reads less closely could be tricked into refinancing with a less reputable lender when they thought they were refinancing with their chosen lender.
Product: Debt collection

Lvnc funding LLC submitted in court false statements from original creditor XXXX bank from XXXX that claimed I didn't pay.i closed this account in XX/XX/XXXX. This company put this information on my credit report in XX/XX/XXXX appearing like this was a recent debt and sank my credit XXXX points
Product: Debt collection

I have never went to this hospital never been there never receiveda letter from this collection agency
Product: Student loan

I am asking the CFPB to contact Mohela to get them to forgive the remaining balance on my student loans. 
On XXXX/XXXX/2022, I submitted a completed, signed PSLF application to Mohela, in order to seek forgiveness on my student loans based on the fact that I have over XXXX  months of on-time, completed loan payments. 
According to Mohela 's website, this forgiveness review should have taken up to XXXX days. We are now past XXXX  days ; I can not get anyone on the Mohela customer service helpline, and I have all the qualifying payment information submitted to Mohela.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert that XXXX / XXXX accessed my TransUnion credit report without my consent or knowledge. I contacted them and was directed to the XXXX XXXX XXXX that took a report and advised they would investigate and correct the issue as appropriate. I received a letter on XX/XX/XXXX saying they would remove the inquiry.
Product: Credit reporting or other personal consumer reports

After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX Delinquent Payments - XXXX & XXXX of XXXX  Account - XXXX XXXX XXXX  Delinquent Payments - XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also answered phone attempts by Ally Financial during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4-5 erroneous accounts that were opened on all 3 credit reports ( same merchant ) different bureau. I have disputed this multiple times. Unfortunaetly the credit reporting agencies have not followed what I have asked to prove these accounts were mine or delete the items being reported. I have asked multiple times to do a manual investigation and NOT to use the E-Oscar and NOT to use ACDV or the Automated Dispute Resolution. When I tried to open a 2nd dispute online for one of them the system would not allow me to submit a 2nd dispute. I need to have these manually verified and see proof that these accounts were ever mine because I never opened these accounts and nobody so far has been able to provide me with any proof they were.
Product: Credit card or prepaid card

I was a Consumer Affairs Director for a large newspaper and a medium-sized food company for a number of years and I studied Consumer Finance in college. So I know the value of keeping a high FICO score. Ours has hovered around 835 for the past 50 years, but recently dropped to XXXX because of these problems. I think that recently hackers have targeted people with high credit scores, and so we have had numerous fraudulent charges on our Capital One business account. Someone tried to purchase a car on it and during XXXX and XXXX, there were several high amount fraudulent charges that we did not make. There was one small charge that was legitimately ours, and I paid it during the fraud investigation. There was confusion about the charge because the vendor charged us a discounted amount than what we ordered. I have written and phoned numerous times to try and resolve these issues with Capital One, The Cap One Rep said that I would not have to pay late fees, but Cap one continues to charge us late fees and interest on top of late fees and interest. We have not used the card for other purchases and have canceled the account. The charges are over {$400.00} now and we do not intend to pay these non-legitimate fees.
Product: Mortgage

XX/XX/2020 AmeriSave contacted me offering refinancing on my primary residence. I explained in detail to the loan officer, XXXX XXXX, my financial situation. She assured me the refinance would be approved with my current finances. She offered a specific loan product with cash out. Repeatly I asked if she was certain the loan would be approved & she continually assured me it would be approved & no appraisal was needed. I provided all requested documentation with in 48 hours and paid the upfront {$500.00} for the application fee. After stringing me along for 2+months AmeriSave finally offered me a totally different loan product & an appraisal was now ordered which I was responsible to pay. AmeriSave tried to pull a bait & switch on the product they initially offered me with outrageous costs. I complained to Ms. XXXX, refused to pay for appraisal & requested my {$500.00} application fee refunded. Ms. XXXX assured me the application fee would be refunded per her manager 's approval. Almost 3 months later still no refund. AmeriSave attempted a bait & switch, falsely misrepresented the loan product offering, wasted my time & renege on my refund of {$500.00}. This company should not be permitted to conduct business. I have emails substantiating my complaints. 
FYI : I applied for refi with another company from start to finish less than 30 days XXXX completed my refi., no appraisal & no upfront application fee.
Product: Credit card

I have several CapitalOne credit cards and have maintained all of them in good standing for many years. Some I use more than others, some have/ had substantially higher credit limits than others. The card at issue was recently reduced credit limit without prior notice, and with no justification related directly to my conduct and account maintenance of this specific card.

Sudden reduction in credit limit has a direct negative impact on credit score, because 1/3-ish of the score calculation is about the % of available credit used. The substantial reduction has caused a substantial decrease in my personal credit scores.
Product: Credit reporting or other personal consumer reports

I'm unfair the very specific days but within the last 2 months I have spoken to Capital One numerous times and ask them to remove the charged off status as this account was paid instead of removing the charge off status they listed it as charged off and then paid well that's still inaccurate because it was not charged off it's been paid if it was charged off then they can retract that charge off and report that correctly they have essentially told me to fly a kite and have offered little to no assistance at all. 

I open this account in XXXX if I recall in XXXX after suffering just want to court injury I had to have a subsequent XXXX and I was not able to work I informed the Capital One of this and they refused to offer any kind of program to help me stay caught up on my payment further I would make a double payment instead of applying the payment towards the next one they would do it next month knowing that the payment was supposed to be good they do not care this is preventing me from getting any kind of credit XXXX real estate project I can't even get a secured credit card because of this essentially this could cause foreclosure on a project I'm not able to finish due to financial constraints I have pretty decent credit so it's concerning that I can't even get a secured credit card at this point Capital One has made it nearly impossible for me to get any kind of credit. I just feeded this with a credit reporting agencies and they responded with it meets the fair credit reporting act and that was pretty much it