23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase for {$7.00} on my Bank of America credit card, a XXXX ending in XXXX. I have had the account in good standing since opening in XXXX, XXXX. The statement posted on XX/XX/XXXX and payment was due XX/XX/XXXX. I unfortunately forgot to pay, it slipped my mind. But I received no reminder emails about the missed payment and I had electronic delivery set up. So my account went from late payment to 30 day missed payment, and then 60 day missed payment, all with no contact from Bank of America. I finally noticed the payment was due when I saw it in my personal finance aggregator app ( XXXX XXXX, now called XXXX ). I paid it immediately, XX/XX/XXXX. Again, no late fee was charged to indicate something was wrong, nor any notice of late payment. 
In XXXX of XXXX, I noticed my account was closed. My credit report states is was closed XX/XX/XXXX. I had to call Bank of America, who would not disclose the reason for the account closing. I was informed that I would get a letter in the mail, which never came. I called back in XXXX of XXXX and was informed again that nothing could be disclosed and that I would get a letter in the mail. It is now XX/XX/XXXX, and I have received no letter. 
I believe Bank of America set me up for failure, as I now have two negative remarks on my credit report and they refuse to communicate with me about the payment or the account closure. I feel the situation would be rectified if the late payment remarks could be removed from my credit report since they also played a role in lack of communication about the missing payment and later failed to follow their own instructions that I would receive a letter with details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to dispute about multiple hard inquires listed on my credit report with TransUnion. There are XXXX inquiries counted separately for one auto loan application with XXXX XXXX XXXX. They are listed below.
I asked for these to be removed but the TransUnion representative said they are counted separately.
<P/>
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My complaint is against Equifax : They have gone through my whole credit file, and re-aged debt information from XX/XX/XXXX, to now show as if I have new collections, and charge offs from XX/XX/XXXX, and XX/XX/XXXX, thereby further destroying, and slandering my credit. 

Equifax does not update positive credit information that they receive onto my credit file, but consistently they do whatever possible to lower, and keep my credit score at a FAILING level. 

True financial facts, and updates that should be taking place monthly onto my credit file, are not. 

Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed onto my credit file. 

In XX/XX/XXXX, I had filed a complaint with the CFPB against XXXX XXXX, and its collection cohorts. 
I have several accounts listed on my credit file, that since XXXX XXXX  XXXX, I have had nothing to do with, going on 4 years. 

I am attaching a copy of an ALERT from the XXXX XXXX XXXX, regarding XXXX XXXX. 

For years, Ive been making complaints about XXXX XXXX, for all of the same reasons, plus more, that the other consumers have complained about in this ALERT. 

TODAY, MY COMPLAINT IS SOLELY ABOUT EQUIFAX, as it relates to the reporting of the old XXXX, and their cohort collectors, and the other derogatory accounts that are on my credit file. 

ON XXXX, XXXX, I learned from two lenders, and an insurance agent that I was going to do business with. 

I learned that in XX/XX/XXXX, Equifax has gone through my whole credit file, and has lowered my credit score, even lower to the XXXX. 

Someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX and XXXX XXXX  XXXX. 

This was done intentionally to cause Irreparable damage, and it was done in collusion with, and on advice from XXXX, and its collection cohorts, because I had recently filed complaint against them.
Product: Credit reporting or other personal consumer reports

This is to express my concern and frustration regarding the numerous attempts made by your organization to remove charge-off accounts with incorrect balances from my credit report. These actions have created significant confusion and have negatively impacted my credit standing. I have been diligently monitoring my credit report to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove charge-off accounts that contain incorrect balances without my consent. 

I would like to emphasize that while I acknowledge the presence of charge-off accounts on my credit report, the balances reported are incorrect. These discrepancies must be corrected to reflect the true state of my financial obligations. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. Any changes made to my credit report should be based on accurate and verifiable information. I kindly request that you respond to this complaint within XXXX days and take the necessary actions to rectify this situation. I have no choice but to seek legal counsel or file a formal complaint with the relevant authorities. Please help me remove these charge off acoounts immediately : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting or other personal consumer reports

Remove the following addresses as they are NON-MAILABLE address : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I instruct XXXX, TRANSUION, and XXXX to remove this non-mailable address. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. XXXX, TRANSUION, and XXXX  are reporting INCORRECT INFORMATION. All three above-mentioned Reporting Bureas continue to violate my rights when I have written to these Reporting Bureaus on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. I have counted well over 37 inaccuracies with XXXX, 32 with TRANSUNION, and 17 with XXXX as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and anxiety to mine and my children 's livelihood. See the attached evidence.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my XXXX attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date : XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest.

( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge-off to present. 
( 7 ). Proof that you own the debt with full clear title.

( 8 ). Proof that you were on the original contract.

( 9 ) Please provide a copy off 1099c that was issued to the IRS. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

Sincerely, XXXX XXXX
Product: Mortgage

Select Portfolio Servicing, Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is habitually in violation of Federal Reserve Reg Z. Specifically, Section 226.36 ( c ) Crediting Payments as of the Date of Receipt.

They are posting payments as-of their processing date, rather than the date received as required under Reg Z. This results in days of additional interest charges to my account.

Payments are sent via my 3rd party bill pay service that will attest to date received by.

SPS seems to lack controls and appropriate policies and procedures to insure compliance.

They have failed to comply with requests to supply me with the time stamped received payment envelope.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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/year>
Product: Credit reporting or other personal consumer reports

I am a Victim of the Equifax  Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2020 I went into Chase bank XXXX XXXX XXXX XXXX branch. XXXX  XXXX. Oregon. My reason was to get a cash advance off of my XXXX XXXX debt card that is issued through social security. The teller 's terminal closed and I was told by the manager that they could not give me my cash which was in the amount of XXXX XXXX dollars. The money was deducted from my card and not given to me. I was first told that it would be 5 business days before I could get it, after that 5 days passed I was told it would be 10 business days. This left me without any money, any food, or my medication. This caused a horrible hardship on me, and only after I contacted Chase executive offices was my money refunded back to my card 17 days after the incident. I am asking them for monetary compensation in the amount of XXXX dollars the amount with held from me, and nothing less than XXXX I am trying to do this without going the legal route. The only thing that I am being told is that it is in resolution. Not saying that yes they will comply or no they will not. I need to be compensated for what was caused to me as it was no fault of mine. please help me with this. I am a senior citizen XXXX XXXX XXXX.
Product: Credit card or prepaid card

American Express repeatedly and consistently makes false claims when it responds to consumers complaints filed with CFPB. 

I informed American Express multiple times in the past 22 months that their system is incorrectly processes mail that is addressed to me. While I am able to receive the letters from American Express that are prepared in response to my complaints to CFPB as those contain my correct mailing address, American Express credit card statements, refund checks, actual plastic cards are consistently mailed to wrong addresses. 

Despite the fact that I contacted American Express in the past and informed them about my correct address, American Express continues to make false statements that it is using my correct address. 

In the most recent response, which is attached, American express failed to list the address to which they mailed the {$50.00} check for the amount they owe me and have not provided a copy of the envelope in which they had mailed the check. A simple visual check would have revealed the errors American Express is making, but it is refusing to perform a simple quality control function. 

American express claimed that it tried to contact me via telephone, however after my conversations with American Express in the first half of XX/XX/2018 that lasted more than an hour each, I requested American Express to communicate with me in writing. I had not received any questions from American Express in writing after I submitted information to them through CFPB portal. 

American Express also stated in the attached response that they are refusing to process a refund for the credit balance I had in my account. I believe the company is violating some of the federal regulations by doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXy {$630.00} XXXX {$910.00} XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT THIS IN FACT A HUMAN BEING. TO WHOM IT MAY CONCERN, MY CONSUMER REPORT HAD A FEW ACCOUNTS LISTED AND TO MY KNOWLEDGE AND UNDERSTANDING, I REALIZED THE ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM AMAZED TO FIGURE OUT HOW MY INFORMATION WAS FOUND AND USED TO OPEN THE ACCOUNTS. I RECIEVED AN EMAIL ALERT THAT MY INFORMATION WAS LEAKED IN THE XXXX AND EXPERIAN DATA BREACH, AND THAT'S THE ONLY WAY I COULD THINK OF AT THIS POINT. I AM HIGHLY XXXX AND UPSET THAT SOMETHING OF THIS NATURE COULD POSSIBLE HAPPEN TO ME AND THIS IS IN FACT A VERY SERIOUS MATTER. IT HAS DAMAGED MY REPUTATION AND HAVE PLACED ME IN A SPACE OF EMPTINESS, I AM VERY DISHEARTENED AT THE FACT THAT SOMEONE WOULD ATTEMPT TO USE MY PERSONAL INFORMATION TO OPEN ACCOUNTS. I AM PERSONALLY SENDING YOU THIS MESSAGE NOTIFYING YOU THAT I DID NOT GIVE AUTHORIZATION NOR AUTHORIZED IN WRITING OR TO THE COURTS NEITHER OF THE ACCOUNTS TO BE OPENED. THE ACCOUNTS NEED TO BE DELETED PERMANENTLY AND IMMEDIATELY PURSUANT 15 US CODE 1602 ( P ) THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER ACCORDING TO 15 US CODE 1681 ( A ) ( 4 ) THE LAW STATES THAT INACCURATE INFORMATION IS BEINF REPORTED TO MY CONSUMER REPORT AND IS CAUSING MAJOR DISTRESS FOR SOME TIME NOW DURING THE PAST FEW YEARS AND THE PANDEMIC OF COVID 19. BEING THAT I DIDN'T AUTHORIZE THE ACCOUNTS, OR TRANSACTIONS, THIS IS IN FACT AN ACT OF IDENTITY THEFT. ANY ACCOUNTS OPENED FRAUDULENTLY WITHOUT A CONSUMER AUTHORIZATION OR WRITTEN AUTHORIZATION IS A FORM OF IDENTITY THEFT AS I STATED ABOVE. THE ACCOUNT 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. THE ACCOUNTS WEREN'T OPENED BY ME AND IT CAN NOT BE VALIDATED THAT I OPENED ANY THE TRADELINES. ACCORDING TO 15 US CODE 1681 S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY AND PERMANENTLY. THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX ARE IN LITIGATION AT THIS MOMENT.
Product: Debt collection

Diversified consultants has added several entire derogatory cases on my file and labled them as having to do with a bankruptcy. I nevber went through on a bk. When I called they said " if you owe it, pay it '' it bankruptcy file when that is not the case and they are causing my credit score to  drop by more than  XXXX  points. These people should be put in jail and I am writin g the AG of t heir state to make sure it happens.
Product: Debt collection

Dear XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in 2017, which has had significant repercussions on my life since then. 

On [ Date ], my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Bank account or service

I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?
Product: Credit reporting or other personal consumer reports

Dear Experian, I am requesting the removal of several accounts from my credit report that were opened fraudulently using my personal information. These accounts were not authorized by me and are a result of XXXX XXXX. 

Attached are copies of the FTC XXXX XXXX  affidavit and other supporting documents verifying the fraudulent nature of these accounts. Please investigate and remove these accounts from my credit report at your earliest convenience pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Accounts opened due to XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send me an updated report reflecting these changes. 

Thanks