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

As of XX/XX/2021 Equifax Credit Report is listing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX as one of my previous address, I have never lived at this address and because of it is causing me to get collections linked to that address. Equifax needs to get his stuff together and stop adding addresses to my personal information, this is the second time it happens and causing grievance for getting collections that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts SCS CREDIT and XXXX XXXX are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX refuses to let me dispute these two accounts again. SCS credit Corp and XXXX XXXX are included in the public record located on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX medical bill hippa violation capital one violation caused by their data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Charge Off Closed {$3900.00} " XXXX '' XXXX XXXX XXXX Charge Off Closed {$4400.00} XXXX XXXX Charge Off Closed {$3000.00}
Product: Credit card or prepaid card

This incident related to American Express XXXX XXXX XXXX XXXX. Estimated impact due to the issue is about XXXX dollars rewards dollars XXXX corresponding XXXX from two statement cycles, and annual fee I paid for the benefit that I did n't actually receive. 

I converted my account from blue cash card to blue cash preferred card upon receiving an offer from American Express. Before I taking the offer, I made calls to American express to ask if I transferred to blue cash preferred, will the XXXX dollars grocery yearly limit start from calendar year ( meaning XXXX/XXXX/XXXX ) or the production conversion date. I was told that once I convert, I will receive new benefit that 6 % cash back on first {$6000.00} dollars counting from product conversion date. ( I have American Express Chat screen shot as evidence ) But after I converted the product to preferred card ( paying XXXX dollars annual fee ), and I did n't get 6 %, I was told the reason is that I have already used up XXXX dollars limit, therefore I only get 1 %. This is DIFFERENT from what I was told when I upgrade my card to the preferred version with an annul fee. 

I gave Amex a call, and got transferred to multiple department, then I was told they are going to submit a case review, and the case review can take XXXX8 weeks. In the meanwhile I am still paying card annual fee without receiving any benefits.
Product: Credit card or prepaid card

Citizens failed to close my account as instructed, back when I had brought my account balance to XXXX. That allowed merchant XXXX to continue charging my card despite my instructions not to. Due to Citizens ' failure to close my account as instructed, XXXX was able to post another {$30.00} to my card. I reported the unauthorized charge to Citizens and reiterated my instruction to close the account. Instead, Citizens piled on its own fees and charges, nearly doubling the purported balance up to {$59.00}. Citizens stubbornly continues attempting to collect this alleged debt that I do not owe. Citizens seems determined to keep allowing and imposing charges for which I am not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an authorized user of any accounts. I have made multiple attempts to get them removed from my credit file. I do not share any credit accounts with anyone. Please have all 3 Credit Bureaus remove any authorized user accounts.
Product: Credit card or prepaid card

On or about XX/XX/2018 I lost my wallet with all my credit cards i have contacted all my credit cards to cancel them but some of them had fraudulent charges already all but one has given me temporary credit and told me not to worry about making payments on a disputed amount until the investigation is complete in which normally no payment would be due since it was fraud. BBVA compass told me to make payments till they resolve the claim which they say will take 90 to 180 days because they are under staffed. Why should I be paying on a disputed amount if I didn't make the charges. They also sent a report to the credit bureau that I have a balance on my card and a payment is due this lowers my credit score this company does not protect the consumer in any which way. They shouldn't be in business if they don't have the staff to work on behalf of their clients.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXXXXXX  I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both XXXX and Experian to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to Experian data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. XXXX and XXXX data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. Experian, XXXX, and XXXX need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX
Product: Debt collection

I keep telling CITI bank cards that account is NOT mine! They keep harassing me. Adding charges that I have no knowledge of. This isnt right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and they all need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX & XXXX, XXXX/XXXX. ( Inquiries ) : XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/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

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Mortgage

In XXXX I noticed my payment increased by roughly {$100.00}. When I enquired with Nation-star, they advised I had an escrow shortage on my account for the XX/XX/XXXX taxes. Furthermore they anticipated taxes to increase in XX/XX/XXXX, thus they needed to build up the escrow balance. I 've made all of my payments since origination and there is no reason that there should have been a shortage on my Escrow account. During the year of XX/XX/XXXX my loan was being serviced by XXXX financial services. XXXX was purchased by Nation-star thus my loan transferred under their servicing umbrella. I informed Nation-star should have provided me a notice informing me my payment was going to increase. They advised they sent a letter informing me. I requested they send again so I could have for my records and I still have not received the notice. I also requested a full escrow analysis to be completed on my account. My understanding is they have 30 days to send this information. As of today, I am yet to receive any information. I requested this information in early XX/XX/XXXX. Nation-star has been unable to provide sufficient documentation supporting why their was an escrow shortage. I believe there was a miscommunication between XXXX and Nation-star and now I 'm paying extra due to their lack of detail during the service transfer. 

I 'm helping the CFPB can help me gain a full understanding as to why their was an escrow shortage and why i 'm being asked to pay an additional monthly fee to compensate. 

I would also like to understand why I have not heard anything regarding my dispute since XXXX. 

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

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Product: Credit card

To Whom It May Concern, I am writing to express my profound concern regarding the assessment of my credit profile and the unprofessional behavior I have encountered from your representatives. Despite my diligent financial management and a strong credit history, it appears that my credit profile does not accurately reflect my financial responsibility. 

Here are the specifics of my credit situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Throughout my credit history, I have NEVER had any derogatory marks, late payments, or collection accounts. Every account has been managed positively. 

Furthermore, I have made multiple attempts to address my concerns with your representatives. However, I have been met with dismissive behavior, including being hung up on multiple times. I can not help but feel that this treatment is due to XXXXXXXX XXXX  as I am XXXX. Such behavior is not only unprofessional but also discriminatory. 

In light of the above, I would like to draw your attention to the Equal Credit Opportunity Act ( ECOA ), a United States law that prohibits creditors from discriminating against any applicant based on race, color, religion, national origin, sex, marital status, age, or use of public assistance. The ECOA mandates that all applicants should be treated fairly and without bias. Given my credit history, financial standing, and the treatment I have received, I am deeply concerned about potential violations of the ECOA. 

Based on the principles of the ECOA, I believe I should have fair access to credit and should not be unjustly denied or provided with unfavorable terms. I request a thorough review of my credit profile in light of the ECOA 's provisions, an investigation into the behavior of your representatives, and an explanation for any discrepancies. I have always prioritized my financial responsibilities and expect my credit profile and interactions with your representatives to reflect the same. 

I urge you to rectify any potential violations of the ECOA, address the unprofessional behavior of your representatives, and ensure that my credit profile is a true representation of my financial history and responsibility.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and this account looks weird to me. The last date of activity, the last date of payment, the account number, the balance etc. Everything on my credit repot looks to be incorrect. Can you please delete these items from my credit report because they are not accurate, and it is not complete. 

I sent letters on XX/XX/2024, XX/XX/2024 & XX/XX/2024. I have attached that letter that I sent you last that tells them that the information they are reporting is not accurate and its also not complete. It is incorrect, please delete this Immediately. I want you to reinvestigate this because the way its looking on my credit report, it does not look accurate or complete yet. 

I have attached the tracking information for the latest communications. 

Please look into the following attributes and you will see that they are incorrect. I have also highlighted them on the pages included from the last letter I sent. 
First Date of Activity Last Date of Activity Last Date of Payment Account Number Balance Current Status
Product: Credit reporting or other personal consumer reports

TRANSUNION CONTINUES TO RE-INSERT FRAUDULENT ACCOUNTS AFTER REMOVAL WITHOUT ANY NOTICE ACCORDING TO THE FCRA THIS IS A FRAUDULENT ACCOUNT AND HAS BEEN REMOVED AND SHOULD NOT BBE REPORTED CONTINUING TO REPORT IS PROOF OF VIOLATION and PROOF OF FRAUDULENT REPORTING PRACTICES AND SHAM INVESTIGATIONS. 
I AVE ATTACHED MULTIPLE PROOF OF FRAUD BEING ON MY REPORT.
Product: Debt collection

XXXX ( also known as cashcall ) uses false proof of service. My old landlord informed me I had a legal document laying on the door step ( not in an envelope ). If he never told me of the document I would of had a judgement against me In California if the document is left on a doorstep it is supposed to be mailed as well. ( on occasion my landlord contacts me if I get any junk mail that shows up there- never got mailed letter from XXXX ). 

I went to court and asked about the proof of service. I was told it was left with " my daughter ''. The description of " my daughter '' is no where close. Plus She has not lived at that residence for over 10 months. This is a lie, false documention plus my old landlord said this was laying on the ground. 

Is n't this illegal tatic? I wonder how many other people have a judgement against them. 

If they wanted my correct address they could had gotten it off my credit report. I 'm sure they have skip tracers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to file a formal complaint against Bank of America due to their mishandling of my account and their negligence in addressing my grievances in a timely and professional manner. 

On XX/XX/2022, I liaised with one of your representatives, aiming to close my checking account and Bank of America Visa credit card. I fulfilled the outstanding amount of {$260.00} to seal the closure. The representative verbally confirmed this action. However, a subsequent review of my credit report in XX/XX/2022 revealed a delinquent late payment tied to the very same credit card I believed was settled and closed. 

Upon contacting your institution on XX/XX/2022, it was confirmed that my account had indeed been incorrectly closed, leading to the erroneous delinquent charge. Though the account was reopened to facilitate a proper closure and an internal investigation was launched, I received no further communication from your end. Only after escalating the issue to the Consumer Financial Protection Bureau ( CFPB ) did I receive any acknowledgment. 

During this entire ordeal, XXXX XXXX XXXX, the designated enterprise specialist, consistently ignored my communications. Her eventual response was only on the brink of the CFPB 's deadline. Moreover, the subsequent investigation inexplicably denied the forceful closure of my account and even negated the existence of my business account. 

Bank of America 's inconsistency was further demonstrated in a letter I received on XX/XX/2022, which stated that my credit card had been closed per my request and was marked as delinquent, contradicting earlier correspondence. 

The repercussions of your bank 's errors have been manifold. Notably, XXXX has terminated my credit cards due to the unwarranted delinquency on my record. This, combined with the now tainted credit report, jeopardizes my imminent mortgage application. 

Bank of America 's sheer disregard for this matter has been both alarming and distressing. The apathy and unprofessionalism shown by your staff are unacceptable. I expect a prompt acknowledgment of your bank 's mistakes and immediate rectification, notably the removal of the wrongful delinquency from my credit report. An official apology for the undue stress and inconvenience caused is also warranted. 

Should Bank of America neglect to address this grievance effectively, I am prepared to resort to legal avenues to safeguard my rights. 

Your immediate attention to this pressing issue is anticipated.
Product: Mortgage

In XXXX 2016, SPS Select Portfolio Servicing sent out modification paperwork to be completed. My father filled out the forms the first time and when he called back to make sure it was received they told him it was wrong and had to resend. I stepped in to assist my father. I asked to speak to a supervisor so I can get the accurate information on how to fill out this modification form. Since then we have been advised to redo the paperwork or that there is missing documents ( they never told us that we need it ). After seven times of redo the paperwork, the bank sends a letter that we need to redo the modification. For the past 4 months we have done everything the bank needed from us and asked to speak to a supervisors multiple times but no one can give us a definite answer. No one knows anything and their is no one higher than the supervisors, which are useless. Our payments are high but we pay on time every month. we are asking for this modification to help us with the monthly payments that is all we are asking for. I feel like the bank is not trying to help us at all.
Product: Credit card or prepaid card

I have a {$10000.00} Credit limit with Citi Costco card. I used the card more than usual this past month to purchase material for a remodel as well as a large doctor bill. Since I was reaching my credit limit, I made 3 payments, one on XX/XX/XXXX ( {$3400.00} ), one on XX/XX/XXXX ( {$1300.00} ) and on XX/XX/XXXX ( {$8800.00} ). I could have waited until my billing due date but instead I thought I was doing a good thing by paying my balance off. Instead they have locked my account out for 12 days as punishment for making multiple payments in one month! I am shocked & dismayed that making multiple payments in one month to pay my balance off is a negative in their minds. I can not use my card until XX/XX/XXXX & it has caused a hardship for me. Additionally even though I have a credit score of XXXX and no outstanding balance on any credit card, they refused to increase my credit line either. They lied & said I have too much balance, I have none!
Product: Mortgage

On XX/XX/2016 I contacted Ky Housing Corp my mortgage servicer of the VA/FHA mortgage I have on my home. I was contacting them seeking assistance based on my low income, XXXX, or veterans status, after a vehement conversation the Supervisor of a person named XXXX came to the phone. This person first states yes we service VA loans, but we do not do the HARP program for veterans but service VA loans, and also because you get help paying your mortgage by a subsidy you do not qualify to do HAMP application unless you drop your help making mortgage payment ; we can not help you from going into foreclosure status