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

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. The 3 credit bureaus should delete these fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; Original Creditor XXXX XXXX  XXXX  XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Balance {$660.00} ; Original Creditor XXXX XXXX XXXX XXXXXXXX Balance {$130.00} ;, XXXX, TX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$130.00} ; XXXX XXXX Balance : {$1600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent difficulties I have encountered in attempting to remove fraudulent items from my credit report. Despite numerous attempts to address this matter, the inaccuracies persist, posing a significant threat to my financial well-being and causing substantial distress. I have attached my supporting documents including my Driver 's License and Social Security Number.

These fraudulent items are severely impacting your credit score and causing financial distress, providing specific examples if applicable.

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information.

I am requesting for your assisstance to resove this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the fraudulent items.

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$87.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported by XXXX XXXX, XXXX, XXXX, and Transunion. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act XXXX. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : 0 0 0 High Credit : {$470.00} {$0.00} {$470.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Equifax is reporting inquiries I never authorized : XXXX XXXX, XXXX XXXX, and EQUIFAX MORTGAGE SER ( XXXX ), and 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 a account without my written instructions.
Product: Mortgage

I have a second mortgage account with PHH load servicing. I received a billing statement for the month of XXXX that showed {$0.00} due, and my account was then updated to show a payment due of {$350.00}. I attempted to make this payment multiple times via phone and email and their systems would not allow me to make the payment. I finally reached an agent on XX/XX/XXXX and they told me that my loan had matured and I couldnt make the payment that their systems communicated to me as due, but must pay the balance due. Additionally, they told me that they would have to request a payoff quote, which they processed and I didnt not receive until XX/XX/XXXX, nearly 3 weeks later. I will be wiring them the funds tomorrow, XX/XX/XXXX. My account was reported past due to credit agencies last week significantly impacting my score after not missing a payment on this account for the full 15 years of its existence. I am incredibly disappointed in the servicers communications, innacurate billing statements, and flat out refusal to help resolve the issue. I was even told by an agent at PHH on XX/XX/XXXX that my accoint WOULD NOT be reported as pst due as they wouldnt accept my payment. I am attaching a copy of the dashboard stating the payment due that they would not allow me to make.
Product: Debt collection

There was a collection reporting through Comenity Bank which was unknown to me but I took care of it after seeing it on my credit file, a while later I applied for something and again there it was still saying I owed, I have disputed it, sent a letter in the mail to the company. To date I have received nothing.
Product: Mortgage

I opened up a $ XXXX HELOC account at XXXX XXXX  on XX/XX/XXXX, which is a variable rate loan. I have used it to maintain the home with needed replacements and/or upgrades and almost at $ XXXX. WSFS Bank acquired XXXX XXXX  on XX/XX/XXXX. My shares of stock at XXXX XXXX  was converted to WSFS shares of stock. My account numbers have changed on my checking and HELOC accounts along with the routing numbers. But, there was no changes made to my XXXX XXXX  HELOC terms and conditions. There was no notifications sent out to XXXX XXXX  customers regarding the acquisition of the loans nor any information provided regarding new WSFS loan products or review of XXXX XXXX  loan status. I would ask the branch managers from time to time regarding my HELOC loan. The response was that WSFS loan department was not going to make any changes. As time passes, the interest rates increased substantially. I am concerned that I am short funds at the end of the month when when WSFS HELOC interest payment is due. My current month interest payment is {$370.00} and I am not paying down the principle. I had credit card debt which is in consolidation. It is almost paid up and cleared out by the end of this year. The branch manager suggested to apply for the WSFS conversion HELOC for $ XXXX. I would have liked a $ XXXX HELOC account, but it was not suggested. I will make monthly payments that will apply toward the principle balance and it will be slightly more than {$370.00} and somewhere around {$410.00}. I sent the application into WSFS and currently working with an underwriter. I decided to file this complaint when the message sent from the underwriter said that I need to be at XXXX Debt to Income ratio. He is asking to give him " Control '' of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan to payout so I meet the XXXX  ratio. I wrote back stating this is a HELOC account and it is not the same as a Home Equity Loan or Cash Out refinance. I explained about the complaint that I am filing and how my loan applications need to be handled along with appeals and counter-offers. XXXX, the representative stated that there are requirements that I need to meet. I will respond back that I am not interested in co-mingling unsecured debt with secured debt. I don't know what recourse I have, if any under XXXX XXXX  whose terms and conditions are considered " voided '' upon acquisition with WSFS. I could wait for my credit score to improve over the next few years. But, do I need to? Does WSFS have an obligation to convert XXXX  loan terms and conditions and/or modifications to existing loans? Will I be able to make a loan modification under XXXX XXXX terms and conditions? What is my best course of action?
Product: Credit reporting or other personal consumer reports

Went on XXXX and discovered that there are multiple Credit Cards opened on 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 I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 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  ) and have reported and submitted a claim to XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB Complaint Department, I am filing a formal complaint against Equifax and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. 

Nature of the Complaint : Equifax is allowing XXXXXXXX XXXX to update an account they no longer own. 

According to my credit report, XXXXXXXX XXXX sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). 
Despite this, XXXXXXXX XXXX continues to modify the accounts status, which is misleading and deceptive. 
Equifax has failed to conduct a proper investigation. 

Under FCRA 1681i ( a ), Equifax is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. 
The Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. 
Potential Unfair Re-Aging of Debt. 

If XXXXXXXX XXXX is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Violations of California Consumer Protection Laws : California Civil Code 1785.25 ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. 

California Civil Code 337 sets a four-year statute of limitations on most debts, yet XXXXXXXX XXXX continued updates may be unlawfully extending the reporting period. 
Relief Sought : I request the CFPB to investigate Equifax and XXXXXXXX XXXX for these violations and require : Immediate deletion of this inaccurate and improperly updated account. 
A full explanation from Equifax on what verification method/documents were used to justify continued reporting. 
A review of Equifaxs compliance with FCRAs dispute investigation requirements. 
I have previously disputed this matter with Equifax, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, at approximately XXXXXXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, XXXX and TransUnion credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to enadequate customer service service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I went to the Stewards shop XXXX ATM XXXX today ( XX/XX/2021 ) at 2 locations..The first location was on XXXX XXXX and the second was on XXXX XXXX.in Albany..It is bad enough that I was assaulted by people putting harmful things in my coffee..They harassed me at there ATMS  violating my personal business. 
These people who they have done this with should be in jail and have a nerve to compromise my freedom..If you do something really bad to a person ( ME ) I have a right to make sure they can not hurt me or ANYBODY ELSE..They can not CONTROL me because I have constitutional rights and should be protected by your consumer protection agency..I don't ever ever want these people in my environment and it is my choice who I want around me and they put substances in my coffee to watch me and disrespect me in my home and this is penal code 145.50 and if you intentionality commit this act against my will you go to jail and there is NOBODYin this world who can tell ANYBODY they can assault me in anyway at all ...
Product: Mortgage

I had a 30 fixed mortgage serviced through Roundpoint Mortgage Servicing Corporation located at XXXX XXXX XXXX, XXXX, NC XXXX. The loan number was XXXX. They transferred my loan to XXXX XXXX XXXX on XX/XX/XXXX. I had been paying two months in advance, and my loan was up to date as of XX/XX/XXXX. I contacted Roundpoint at ( XXXX ) XXXX on XX/XX/XXXX asnd they confirned that I was paid up to XX/XX/XXXX. I received my welcome package from XXXX, and they said that I was showing that was paid to XX/XX/XXXX, and that I had to send in my Payment for XX/XX/XXXX. I contacted Roundpoint and spoke to XXXX in their XXXX service center on XX/XX/XXXX and he said that they would do an investigation and send my a payment history that would take about a week to get to me in the mail. It is XX/XX/XXXX and I have not received it. I would like to know what happend to my two month of advance payments that were just over {$990.00} each.
Product: Mortgage

Im still getting phone calls from this agency and I have spoken to multiple people and they continuously tell me that they are moving me and it is not happening. Its to the point where it is interrupting me during my job. I understand if I got removed and then someone accidentally called me immediately after but at the same time this is been going on for a while now and I genuinely can not understand why this is still happening despite me telling people to remove me.
Product: Credit card

XX/XX/2024 bank is not able to approve for bank card while given name has open credit account with bank.
Product: Credit reporting or other personal consumer reports

Re : Equifax Data Breach Complaint To whom it may concern, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof ( personal engagement number : XXXX ) that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account Name Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX from Perfection Collection LLC called a family member on XX/XX/2019 and notified him of a supposed debt I owe. After talking on the phone to him, an email was then sent to him stating that I owe different amounts on the debt and can settle the account. I called the collection company and spoke to XXXX. I asked for proof of the alleged debt and to stop contacting my family. She stated that she would when the debt is paid. I then requested that further contact be made in writing to myself only.
Product: Credit reporting or other personal consumer reports

Please investigate thoroughly the accounts that I disputed. I dispute XXXX XXXX, number XXXX. This account was closed on XX/XX/2022 however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/2022 and this has been highly damaging to me. I want this account deleted.
Product: Debt collection

I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 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.

This company 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.