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

Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XXXX and XXXX as XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with XXXX  and Ally financial. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I received three phone calls today from a debt collection agency, but I do not nor have I ever owed them any money. Since I got my new cell phone ( XXXX XXXX ), I have received many phone calls from debt collectors and scams. I tried changing the number once already but the debt collectors and scams keeps calling. I have never had such a bad experience with a cell phone.
Product: Mortgage

Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.
Product: Checking or savings account

I recently contacted Chime The XXXX XXXX about an unauthorized Transaction in my account. I was visiting a Government XXXX to verify my income with my bank statements and I seen an unauthorized Charge of XXXX. I reach out to chime and the chat ended up getting disconnected due to internet issues. However I requested a dispute again and I was connected to the same dispute Representative named XXXX. They had already file the dispute without my consent of the chat being disconnected and I was not able to answer any questions for this dispute I was going to make. Everything in the document is blank and wrongfully added in the dispute document I did was not able to make and the XXXX name XXXX decided to do the dispute after we got disconnected with wrongfully statements and blank answers to questions I was not able to answer because of the disconnection. Due to the XXXX name XXXX who filed the dispute without my consent and ended up putting on his own words and left every question blank except two caused me to have a denial in the claimed. I requested the documents from Chime The XXXX XXXX via chat and they said within XXXX business days I will get the document so today XXXX XX/XX/2023 I receive the documents and everything on the document provided does not show why I was denied. Also the Dispute Agen name XXXX whom I chat with on XX/XX/2023 did not include anything I try to discuss with them during the XXXX time the chat got disconnected. Chime The XXXX XXXX did not use proper documents to investigate an dispute and wrongfully denied me and they did not include anything I told the Dispute Agent Bane Summer all of my concerns. They also didnt include my statement when I try to tell them the XXXX time that the document Chime The XXXX XXXX XXXX when I told them I contacted the Merchant name Progressive XXXX and they can not give me information due to security purposes because I never owned a car to operate or have an insurance for a vehicle I never in my life owned. Chime The XXXX XXXX automatically denied me after two hours of the Dispute Agent name Summer filed without my consent to file and when I tried to contact Chime The XXXX XXXX to fix this they denied my dispute for this dispute and did not include anything I told them to include before filing it. Chime The XXXX XXXX. Refuse to investigate and refund the money that was stolen out my account.
Product: Mortgage

On X/XX/2017 I filed a complaint against Cap One for illegally reporting an account to my credit. The CFPB # was XXXX. On XXXX XXXX XXXX Cap One admitted they were at fault and sent me a letter ( attached ) saying so and that they would no longer do anything with it and remove it from reporting due to their incorrect reporting. I just checked my credit again and it is still there. They need to follow through and do what they are supposed to ASAP AND DELETE IT FROM ALL BUREAUS!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Equifax Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've educated my lawyer regarding my aims and they are eager to consider that Equifax Credit Bureau is responsible for their tenacious rebelliousness. 

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: Credit reporting or other personal consumer reports

MOHELA/DOFED XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX to XX/XX/XXXX Half of these schools are closed, and some have even been involved in lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late-  XXXX   I contacted  XXXX , Experian and  XXXX  with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -  XXXX  Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by  XXXX  as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX Balance {$940.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I recently pulled my credit report to find that LVNV Funding is listed as a collection with all 3 bureaus and has been reporting this debt since XX/XX/2021. I haven't received any paperwork or phone calls from this company regarding any balance owed or to advise of what this debt is for. This was placed on my credit reports without notification and has been there for over two years ruining my score when I was not made aware of the debt.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account XXXX XXXX XXXX XXXX XXXX  incorrectly. There are several late payments listed that is not correct and I was not late. I previously disputed this information and the consumer agencies stated it was verified as accurate. I did not receive any information to prove that they did a reasonable investigation and its on the consumer agencies to prove that it is indeed accurate. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since these consumer agencies are reporting this account different ways they could not have done an investigation because none of the information matches up to the other and they provided me with no proof. I have initiated arbitration since the information has not been update to paid as agreed as instructed. 

( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

Bank of America Withheld n Delayed Pandemic Monies causing me to b evicted from rental.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.
Product: Credit reporting or other personal consumer reports

There are a lot of errors being reported on my credit which significantly impedes my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is so frustrating that my consumer rights are being violated in this manner.
Product: Credit card

I have several balance transfers on my Discover card. I have been doing this for years, and they have always applied my payments to the oldest transfer balance first. 
As I reviewed my statement this month, I realized that they are applying most of my payment amount to the 0 % balance transfer, which expires in XX/XX/XXXX, and them to the one with the highest rate, which expires in XX/XX/XXXX. That means that none of the payment is being applied to the balance with the transfer rate that expires in XX/XX/XXXX, and they are adding the interest to that balance. I asked them when they informed me of this change, and she could not tell me. I also asked if I could make an additional payment of {$1100.00} to pay off the balance due in XXXX so that I could avoid having to pay the 24 % interest on that amount after XXXX, and was told the only way I could do that would be to pay the minimum payment of {$300.00}, plus the entire balance with the 5.99 % rate ( which doesn't expire until XX/XX/XXXX ), plus the entire amount that expires in XX/XX/XXXX, which totals more than {$4700.00}. 
My complaint is that they changed the way the charge interest on multiple balance transfers, and did not inform me. I'm not even sure if it's legal to charge interest this way and not allow me to pay off a specific loan balance ( i.e. the balance with the transfer rate that expires in XXXX ), but I find it unconscionable. It's designed to make me unable to pay off the balance I incurred first by the time the transfer rate expires. The balance amounts subject to interest rates on my XXXX and XXXX statements are below. I made a payment of {$500.00} in XXXX. 
I hope you can help me with this situation. Thank you. 

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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent accounts on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized accounts that is a result of identity theft. I have already contacted the bank associated with these accounts two months ago, and they assured me that they would remove it from their records. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
It has come to my attention that other credit bureaus have already deleted these fraudulent accounts from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the accounts continues to be reported on my credit report by your bureau. 

To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of these accounts. I kindly request that you investigate this matter promptly and remove the fraudulent accounts from my credit report. 

I expect a written confirmation of the completion of your investigation and the removal of the fraudulent accounts from my credit report. Additionally, I request an updated credit report reflecting the corrections made.
Product: Debt collection

I believe I received a spam letter from AIC trying to collect money which I never owed. 
I choose not to contact the company since I think it is spam. They said the creditor is XXXX and I owe {$650.00}. I never buy from XXXX. They said I should send the money to them or to XXXX. 
This letter was received by me on XX/XX/20. I have a copy of the letter.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and formally dispute the failure to reinvestigate the improper removal of my credit card account with XXXX XXXX ( Account Number : XXXX ). Despite my previous request for a thorough review of this matter, no meaningful action has been taken to address this issue or correct the error. 

This account was closed based on an alleged fraud concern, which I have repeatedly clarified is unfounded. I have provided all necessary documentation and information to demonstrate that I legitimately opened this account and that no fraudulent activity occurred. However, the failure to reinvestigate this matter and ensure a proper resolution has caused undue harm to my credit profile and financial standing. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), financial institutions and the CFPB have a duty to investigate disputes promptly and accurately. The continued inaction on this matter constitutes a violation of my rights as a consumer, and I demand immediate corrective action. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX SC XXXX I expect the CFPB to immediately initiate a comprehensive reinvestigation into this matter and compel XXXX  XXXX to rectify their error. I further request a written explanation detailing the steps taken to resolve this dispute and the outcome of your investigation. 

Should this issue remain unresolved, I am prepared to escalate my complaint to other regulatory bodies, including seeking legal counsel, to ensure that my rights are upheld. 

You may contact me directly at XXXX or XXXX for further clarification or additional documentation. I demand prompt action and a resolution to this ongoing issue without further delay. 

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

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists
Product: Debt collection

Last fall I received a statement for for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX. The bill was from 10 years ago. Since I had never even heard of XXXX XXXX, nor did I ever utilized his services, I called his office and spoke to his office manager. She could not find any supporting documents to support the charge. She said she would look into the matter and call me. 

XX/XX/XXXX I received a notice from Capital Accounts for collection of said bill. I responded by mail asking for support documents ( itemized bills ) and then we could discuss the matter. I am now receiving daily calls from agents from Capital Accounts. Every day they ask if I am prepared to resolve the matter. Every day I ask for supporting documents. They continue to call and I have not received anything. 

They have called my work number. They have called my cell number. They have even called my son.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX