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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Improper Use of Credit Report Dear EQUIFAX, `` To Whom It May Concern '' I am writing to formally address an issue regarding the improper use of my credit report, in violation of Section 604 of the Fair Credit Reporting Act ( FCRA ). My details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I discovered today that Equifax deleted my positive credit card XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX from my credit report. I opened this account on XX/XX/XXXX. I've had this credit card for 1 years, 3 months.the This card needs to be put back on my Equifax credit report. Equifax obtained my credit report without a permissible purpose. based on my report that was improperly accessed. This situation is concerning because it violates my rights under the FCRA. Equifax also shared my social security number and personal information with FICO Fair Isaac and Company without my written consent.

I seek confirmation that you will cease any further use of my credit report without valid authorization and rectify any negative impacts this may have caused.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX they confirmed they did not delete my credit card account from my credit report CFPB PLEASE HOLD EQUIFAX ACCOUNTABLE FOR THIS ACTION BARRING ON MY CREDIT WORTHINESS
Product: Mortgage

I HAVE APPLIED FOR A SHORT SALE OF A PROPERTY IN  XXXX , NC AND WAS PREVIOUSLY TOLD IT WAS APPROVED. WE OBTAINED A CONTRACT FROM A  PERSPECTIVE BUYER  SEVERAL MONTHS AGO, BUT  XXXX  KEEPS ASKING THE SAME QUESTIONS OVER AND OVER AGAIN, ASKS ME  XXXX  SEND IN  ADDITIO0NAL  DOCUMENTATION, WHICH BY NOW ARE DOCUMENTS THEY ALREADY HAVE. THE PEOPLE WORKING MY FILE, EVEN THE UNDERWRITER APPARENTLY HAVE LITTLE EXPERIENCE OR KNNOWLEDGE OF THE MORTGAGE INDUSTRY AND CONSEQUENTLY THEY KEEP ASKING STUPID QUESTIONS THAT NO MORTGAGE PROFESSIONAL WOULD ASK. I SEE NO END IN SIGHT OF THEIR INCOMPETANCE TO RESOLVE THIS SIMPLE TRANSACTION AND FEEL THEY ARE FORCING MNE INTO FORECLOSURE WHEN I HAVE BEEN ATTEMPTING TO WORK IT OUT WITH THIS SHORT SALE FOR ABOUT 6 MONTHS NOW. WE ARE AT RISK OF LOOSING THE BUYER DUE TO THE INCOMPETANCE OF CHASE MORTGAGE
Product: Debt collection

I submitted compaint ID XXXX on XX/XX/2019. The company responded back on XX/XX/2019 with an itemized statement with my personal protected information and I believe they are in violation of HIPPA laws. I never authorized them to have my personal information nor access to any medical procedures that were done to me. They stated I owed them {$2500.00} initially, then {$1200.00}, then, {$1100.00}, then {$1100.00} and now my credit report says I owe XXXX. I am demanding this be removed.
Product: Money transfer, virtual currency, or money service

Chime sent me a debit refund check dated XX/XX/year> for the amount of XXXX. There was no information attached. I researched and found out about your case against them. Also found out that people are not able to cash the checks the the bank that they are drawn on, XXXX XXXX  XXXX. What I should I do in this case? 

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

Subject : Formal Dispute of Inaccurate XXXX  XXXX Account Information on My Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported by XXXX  XXXX on my Experian credit report. The specific details of the disputed account are as follows : Creditor Name : XXXX  XXXX Account Number:XXXX  Amount Reported : {$0.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and Experian is obligated to conduct a reasonable reinvestigation of this disputed information within 30 days of receipt of this notice. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy in the information they report. 

The information reported by XXXX XXXX is incorrect and materially affects my creditworthiness. Therefore, I am requesting that Experian immediately initiate a reinvestigation into this matter and correct or remove this inaccurate information. 

Attached, please find copies of documents that support my position, including account statements, payment receipts, and correspondence with XXXX XXXX, demonstrating that the information currently reported is inaccurate. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the disputed information, I expect Experian to promptly delete or modify the incorrect information from my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and a copy of my updated credit report once the inaccuracies have been addressed.

Please be advised that failure to comply with these obligations under the FCRA may result in legal action to enforce my rights.

Thank you for your prompt attention to this matter. I expect a thorough investigation and resolution of this dispute in accordance with the FCRA 's requirements. 

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

I finalized my divorce XX/XX/XXXX. Afterwards, I paid for her mortgage with Quicken Loans ( XXXX  month ) until XX/XX/XXXX, and am currently paying for her car loan ( XXXX  month ). In our court agreement, I was to be removed from the car loan, and my ex-wife to carry the mortgage immediately. She has not, and the house is two months behind. My credit is affected now.
Product: Credit card

Every month, I pay more than the minimum payment on my card ( in smaller payments that add up to more of the minimum ) and every month, I am charged a late fee. I called and complained about it once and they told me it was something to do with the timing of my payments and took some fees off. I changed up the timing of the payments per their suggestion and I STILL get charged a late fee. 

Regardless of the timing of my payments, if the statement shows that I paid more than the minimum in the month that the statement is showing, I should not be charged a late fee. This weird " cut off '' is both hard to understand and seems like a way to trick people into getting late fees. 

I've attached my XXXX statement showing my minimum payment for XXXX was {$83.00}. I've attached the XXXX statement showing that I paid {$120.00} during that month and was still charged a {$41.00} late fee. It looks like they basically don't count XXXX of the {$50.00} payments towards the total payment for the month because of the " timing '' but that should not be the case, If the {$50.00} from XX/XX/29 isn't going to " count '' because of " timing '' than the {$50.00} from XXXX, should have. 

If the minimum is paid in a billing cycle, it should not incur a late fee. XXXX. How have they been getting away with this and how many thousands of dollars have they bilked from people this way????
Product: Debt collection

The original creditor was XXXX XXXX XXXX XXXX XXXX apartments. My husband and I moved in XX/XX/XXXX. We were evicted XX/XX/XXXX. The apartment complex " SOLD '' the contract to PROCOLLECT INC. they are reporting on all three credit reports that we owe a balance of {$5400.00}. This was placed in collection XX/XX/XXXX. We have sent out letters for them to validate this debt. However, they sent us a copy of the contract and another statement with the amount owed to them. They doubled the amount. We have reached out to them many times regarding this issue .... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,. We sent out several letters to which we have no response. We need this debt removed from the credit bureaus as soon as possible. They are making it hard to apply for credit and to move forward within our lives. This debt has so many unaccuracies. Please help us! PROCOLLECT INC is a SCAM!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Reported Accounts and other Items on my credit report without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX
Product: Credit card

In XXXX 2015 my husband passed away and had an outstanding balance with AMEX and reward points. I was told in XXXX that if I sent them a copy of the death certificate and executor proof they would process the points for me. Called in XXXX, XXXX, and XXXX formal letter sent XXXX, form letters sent to me XXXX, XXXX XXXX,, XXXX called again and someone ( XXXX ) called back and told me I had to have a copy of the will, I faxed XXXX, called XXXX talked with XXXX to verify they had recd. Call yesterday telling me I needed an additional piece of info, either from an attorney or the court
Product: Credit card or prepaid card

Someone Opened a Montgomery Ward card under my maiden name. i. have been trying to resolve this as of XX/XX/2021, and now it has affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open at fraudulent account at XXXX lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXX journey. XXXX makes it very difficult to contact them. I reported on Experian but the dispute remains. ( # XXXX ) I don't know what to do at this point. XXXX dos n't have a phone number and do not respond to email.
Product: Payday loan, title loan, personal loan, or advance loan

I am an Illinois XXXX employee and this company 's loan products were marketed to XXXX employees through my XXXX XXXX HR/benefits agency ( XXXX  XXXX XXXX XXXX ) , as well as a 3rd party benefits administrator ( XXXX ). I took out an installment loan in XX/XX/XXXX to cover some home remodeling expenses. Payments are deducted directly from my paycheck. Dealing with this company has been a nightmare. As of early XXXX, after making multiple additional payments, I had paid off 74 % of the loan, putting me months ahead of schedule to pay off this loan. There have been a number of documented " payment processing '' and " operational '' issues. The first issue resulted in a scheduled payment not happening ... and a 2nd issue resulted in two loan payments being deducted at the same time. There is no way to schedule additional payments through the company 's online account dashboard - meaning you need to contact the company directly when you want to make additional payments. Likewise, no Payoff balance is available through the online dashboard, either. Lastly, there is no breakdown available of interest and principal. In XXXX, XXXX, the company began making unauthorized ACH debits from my checking account by using the same account information that I had used to make multiple extra payments on the loan. Lastly, and most importantly, I have made several requests, via company email, for my payoff amount, and the lender has been completely unresponsive. I sent an emails on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, there has been no response from the company. And, like other reviewers have mentioned, customer service is pretty bad and response times are painfully slow.
Product: Debt collection

On XX/XX/XXXX, of 2019 I mailed a letter to National Credit Audit Corporation in regards to them trying to collect {$760.00} that I allegedly owe to XXXX XXXX XXXX. I do not owe this amount to XXXX XXXX XXXX. I asked them to provide documentation that proves that I owe {$760.00} to XXXX XXXX XXXX  and they were unable to. They mailed a description of charges and amounts but nothing the proves that I owed this amount amount at the conclusion of my lease. This company is horrible and has not attempted to resolve this issue.
Product: Mortgage

Through an LLC, I purchased an apartment building on XX/XX/XXXX and assumed the loan. The loan servicing was transferred a few times over the years, and we made timely payments. In XXXX, XXXX the loan and servicing were transferred. The loan was apparently transferred from XXXXXXXX XXXX XXXX XXXX XXXX and the servicing was transferred to Select Portfolio Servicing. I received a goodbye letter from XXXX XXXX ( former servicer ) indicating that Select Portfolio Servicing ( SPS ). The contact information on the goodbye letter was incorrect ( email address was rejected and the phone number was not valid ). I contacted SPS via their main number to confirm the transfer, however they did not recognize any of my information. Over the course of several hours of phone calls and emails, I determined that they had the original borrower 's information, but not mine. I supplied them with several documents to evidence my ownership and assumption of the loan ( including deed, purchase agreement, goodbye letter, last loan statement from prior servicer, tax and insurance invoices ). They promised on several occasions to get it fixed, but never once followed up. I have emails requesting answers, but no response. I have been calling in mortgage payments to keep the loan current, but have no evidence of where my loan stands. I have spent at least 10 hours on the phone, but I'm getting nowhere. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I transferred XXXX dollars to a Bank of America account for the lease of an apartment. 

On XX/XX/19 when the transfer went through, I was informed by the scammer that the account was mistaken and they needed me to redirect the accounts. I immediately canceled the transfer. 

Having arrived today XX/XX/19 to begin the terms of the lease, the scammer told me that the apartment was not available.
Product: Mortgage

I overpaid my mortgage on XXXX and XXXX. the payment on XXXX was in the amount of XXXX and overpayment of XXXX. I also made a second payment of XXXX on XXXX. I contacted my bank XXXX on the XXXX asking the the second payment be reversed since it was an electronic payment and would not be posted until the XXXX. XXXX told me they could not do that and to contact my mortgage company Santander. I went to santander branch on XXXX XXXX and asked for the payment to be sent back. they placed a request. On XXXX I called santander because my payment was not reversed they said it had to go through the back office and may take 10 business days.I spoke with the morthage company again on XXXX as they called me and they requested that I send them a copy of my bank statement showing the funds had been removed from my account. I faxed a letter with a copy of my account statement showing the funds were indeed removed. I asked why they needed that since they had my money in hand. I called santander again on XXXX and they are now requesting a letter from XXXX stating that they submitted the XXXX payments and that they will honor both payments and to please refund me my money back to my account. Santander said they do n't want the check to stop payment. I told them it was electronic and not a check. I am still waiting for my money I overpaid. My XXXX mortage payment is not due till XXXX well beyond this 10 day waiting period so they should not be worried about the funds not being honored. They have my money and I am in my legal rights to have it returned back to me as quickly as it was taken electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to the following companies for a third time in regards to two accounts that are not mine and are fraudulent and reporting on my credit report. This is now my third attempt to resolve this matter, as I have also filed a report with the federal trade commission also in regards to this matter. 

FRAUDULENT ACCOUNTS : Original creditor : GRAIN TECHNO Account # : XXXX Date of Acct : XX/XX/XXXX OTHER FRAUDULENT ACCOUNT Balance : {$480.00} Original creditor : XXXX XXXX Account # : XXXX Date of Acct : XX/XX/XXXX Balance : {$480.00}
Product: Credit reporting

I have been diligently working on my credit score, so I enrolled with a credit monitoring service to keep track of my reports and scores. Some time last month, I checked my report to find that all inquiries had been removed from my Transunion credit report. This also, of course, resulted in my credit score being raised. I had absolutely NO knowledge of any system glitch or anything of that nature. Fast forward to recently, I checked my file again, and there were the XXXX inquiries re-added, which of course, dropped my score! I am furious because as far as I know, it is not lawful for the inquiries to have been re-added without ANY notification to me, written or otherwise. I should have been notified, ESPECIALLY since the result had a direct effect on my credit score! I reached out to Transunion, and the rep RUDELY stated that he would only remove an inquiry after XX/XX/2016. What good does that do me? ALL the inquiries were removed and ALL of them were placed back on the account, not just the ones from XXXX. Ridiculous response given the situation. Because I was not notified, I would respectfully ask that Transunion delete the inquiries, as they have for so many other individuals. Why would I be any different? If they can delete for others then they can delete for me as well, unless they are discriminating with who they help. I have contacted a personal attorney, as well as the attorney general. Transunion is in the wrong for not notifying me that the inquiries were going to be re-added to my file, and that is not my fault.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history...

Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or unverifiable information. I have never opened or authorized this account, nor have I received validation of the debt per FDCPA 809 ( 15 U.S.C 1692g ). If this account is verified, provide the original signed contract and complete payment history ; otherwise, remove it from my report immediately.

Action Requested Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office
Product: Credit card

I entered a consumer credit transaction, applying for an extension of credit, granting American Express National Bank access to my trust account, via my social security numberonly to receive adverse action in the form of a denial of credit. Adverse action against a consumer is against the LAW, a liability for breach of fiduciary duty pursuant to 29 USC 1109. Moreover, American Express National Bank has directly violated the Equal Credit Opportunity Act by discriminating against my credit application on the basis of my race, XXXX, religion, national origin, XXXX, marital status, and/or my age ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, pursuant to the Equal Credit Opportunity Act which is codified in 15 USC 1691 . Additionally, pursuant to 12 CFR 1002.4 a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. Based on the Federal Reserve Act Section 16 Part 2 states that my application was collateral security in a credit transaction. I provided valuable consideration, the application/security provided is transferable, interest bearing, and the application/security is still active on the private side. My trust/credit was accessed and there was unauthorized use of my nonpublic personal information. 18 USC 8 defines what obligations or other securities are in regard to the US debt. 15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW. The discrimination against me, the consumer, to be provided an 'open ended " credit plan, by denying my GRANTED RIGHT to credit. We The People are entitled to redeem our collateral, which is backed by full faith and credit of the nation ( Article IV, Section I of the Constitution ). Clogging those redeemable rights is considered a breach. American Express National Bank is attempting to clog my right to pursue life, liberty, and the pursuit of happiness. I AM CREDIT WORTHY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account had fraudulent charges made on it and they have re-aged the account as well. The date open is wrong and the date of major delinquency is re-aged and wrong. The credit limit is not listed and it is also listed as a factoring company which it is not. 

XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO-XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$660.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$660.00} Date Reported : XX/XX/XXXX Amount Past Due : {$660.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 14 Creditor Classification : Financial Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR CA XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR