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

I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted on XX/XX/XXXX requesting for the company to remove unauthorized inquiries from my credit file. In reciprocation, Equifax mailed me a letter demanding that I send a letter of deletion to the companies that had pulled my credit. I have contacted these companies requesting them to remove these hard inquiries and most of them didn't response. Equifax refuses to provide what method of verication was used to verify this information. Sending a letter stating that the company investigated my dispute and found the information to be reporting correctly is unacceptable. I'm requesting that CFPB to investigate this dispute with Equifax and make sure my information is reporting correctly. Please send any authorization documents bearing my signature that gave these companies the right to view my credit file. I have place identity fraud alert on my credit file because of this matter.
Product: Mortgage

We are filing a complaint against Chase. We have been misled and given a complete runaround for the past 12 months. Chase has not processed the claim with any integrity or professionalism. We have provided the same documents over and over, only to have the bank reassign it to numerous representatives that are not current on the application status. It 's a basic stall and delay technique to not provide help or modification options. 
Our first mortgage was modified and we are current with payments. Our family needs the 2nd loan modified so we can continue paying our loans and stay in our home. The line of credit ( 2nd ) Chase begged us to take, was set up as interest only payments for 10 years and after that period would revert to principal and interest. Our payment went from {$560.00} per month to {$1600.00} with an interest rate today of 2.74 %. This rate will keep rising as interest rates go higher. We are appealing to you for help as Chase seems to be unwilling to do anything on our behalf. Like most people in our country, our economic situation has deteriorated in the past few years. We are begging Chase to cap this line and make payments affordable in order for us to make our payments and stay in the home we love. 
The option for " short- sale '' is unacceptable. What sense does that make? Chase is willing to sell the house at a loss, but will not help us stay in our home by qualifying us for a " Chase Modification with Possible Principal Forgiveness. We have been Chase costumers for a very long time and would hope that Chase whom was responsible in soliciting and approving the " value '' of the 2nd mortgage would have some responsibility in helping us restructure the loan. The 2nd loan was used to construct an addition to the home. We did not use it as a piggy bank for vacations. The property value has dropped by XXXX of what is owed and now we find ourselves in a very difficult situation. 

This has been a drawn out process. We have received countless letters from Chase with offers to " help '', but it appears that Chase is committed to " NOT HELPING '' home owners stay in their homes.
Product: Debt collection

XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX XXXX XXXX XXXXXXXX ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct information.
Product: Credit card or prepaid card

One year after getting my credit card which has a yearly foo, it started having a XXXX XXXX monthly maintenance fee. I called and asked to waive the monthly fee and was to keep me from closing my account they would waive the fee. That was XX/XX/2018, I have now called them 6-7 times and every time an told they have no notes that I have called prior and that the fee cant be waived, as soon as I threaten to close my account they offer to waive it again. I have now paid {$270.00} Im monthly maintenance fees and it has yet to be taken off. This is the Verve card through Continental Bank
Product: Mortgage

Follow up to CFPB complaint XXXX. 


I maintain that Shellpoint should refund my late fee of {$44.00} and any other fees assessed because of this matter. 

In the letter to me, XXXX XXXX writes, Although Shellpoint apologizes for any inconvenience regarding this matter, we have been unable to determine that any error has occurred. 

However, just a few lines above that sentence, she writes, Our records reflect the insurance was updated to remove the cancelled insurance policy and an updated escrow analysis was completed on XX/XX/year>. The total payment amount decreased from {$2200.00} to {$1900.00} effective with the XX/XX/year> payment. 

Basically, my bills beginning in XXXX were too high, and I suspected they were wrong. I withheld full payment because I didnt want to overpay an incorrect amount and needed to get the matter sorted out. It turns out I was correct. 

Even though XXXX XXXX uses the passive voice when writing, The total amount decreased and the insurance was updated, here she is admitting that Shellpoint made a mistake when calculating the insurance and retroactively lowered my XXXX bill midway through the month because of its mistake. 

The fees ultimately were incurred because of Shellpoints error and therefore need to be refunded.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am formally requesting that you immediately remove all negative items from my credit report due to fraudulent activity, including but not limited to the well-documented XXXX data breach that exposed consumer information. Under the Fair Credit Reporting

Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information contained in consumer reports. Any negative items resulting from fraudulent activity and identity theft must be deleted from my file immediately.

Additionally, pursuant to the Uniform Commercial Code ( UCC ) 1-308, I am
exercising my rights to demand the correction of inaccuracies and unauthorized reporting of accounts. The continued reporting of fraudulent accounts or incorrect information constitutes willful noncompliance with the FCRA, subjecting your agency to legal liability, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
Given that my personal information was compromised through the XXXX data breach, I have reason to believe that any negative accounts appearing on my credit report may be the result of unauthorized activity. Therefore, I demand the immediate and permanent removal of all fraudulent, inaccurate, or unverifiable accounts, inquiries, and derogatory remarks. 
If you fail to comply with this demand within 4 days, I will pursue all available legal remedies, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance with the FCRA and UCC. 
Seeking statutory and punitive damages for negligence and harm caused by the continued reporting of fraudulent information. 
This letter serves as a formal Cease and Desist notice for any continued reporting of inaccurate or fraudulent information on my credit file. I expect written confirmation that all negative and fraudulent items have been permanently removed from my report. 
The following is inaccurate addresses and inquiries which are a result of fraudulent activity : Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Failure to act within the 4-day timeframe will result in legal escalation without further notice. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

There was an unauthorized transaction on XX/XX/2023 against a fictitiously created Cash App account using my bank debit card. Again, on XX/XX/2023, there was an unauthorized transaction against a fictitiously created Cash App account using my wife 's bank debit card. In both instances, I reported the transaction to my bank as a fraudulent transaction and the funds were reinstated. I had no recourse against Cash App as I have no account there.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I opened an account with the purchase of furniture with the agreement of 12 mos. same as cash with an ending date of XX/XX/XXXX! The credit limit was {$4500.00}, and I set up an automatic monthly payment of {$450.00} a month to pay it off in the 12 mos.! On XX/XX/XXXX I added to my account with another purchase of furniture in the amount of {$320.00} that in my mind has nothing to do with the previous purchase even though it is the same account! The account was being paid every month like clock-work as it was on auto pay! On XX/XX/XXXX I made another furniture purchase of {$3800.00} which was also under a 12 mos. same as cash agreement separate from the first that expired on XX/XX/XXXX but was on the same account because the first agreement was about to be paid off, it had 2 more mos. of payments! According to the statements the balance was {$500.00}! However for some reason they charged me a late fee of {$27.00} on XX/XX/XXXX and I must admit that I didn't watch this account like I should have because it was on auto-pay! After the Purchase on XX/XX/XXXX I set up auto-pay in the amount of {$320.00} a month which would have paid off the {$500.00} in the two months left on the first purchase! However they charged me {$790.00} interest on XX/XX/XXXX stating that the account still had a balance on it. Well with the other two purchases of course it had a balance on it but that has nothing to do with the monthly regular payments made to pay off the first purchase! And they did the same thing with the second purchase at the end of the agreement they said I had a remaining balance and charged me {$1000.00} Interest on XX/XX/XXXX! All is done and paid off, I paid {$580.00} on XX/XX/XXXX to leave the account a balance of {$780.00} which is the interest charge for the first purchase, but they say my balance owed is {$1800.00} which is all the Interest that they have charged me on this account unjustly! I have tried to talk to them about it but I can't get an answer on the phone, and I have received two letters that basic state that I had a balance on each charge of interest which is not true. If I had a balance it would be more on the balance now than just interest! And also remember I made a purchase on the account back on XX/XX/XXXX for {$320.00}, ALL PAID OFF!! Before XX/XX/XXXX! And I PRAY that this is not being done to anyone else, it is very upsetting to me!
Product: Debt collection

Debt collection company contacted family members in regards to " Locate me ''. Yes, they have tried to contact me an I have not returned there calls but my phone number has always been the same and not disconnected with the same voice stating that you have reached me. The company specifically named it self to my family members, not stating that they are trying to collect a debt but that can be changed with one XXXX search away. How are debt collection companies able to research this information and contact third party 's without there consent? Family members are now worried that there information has been comprised.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. Capital One Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for capital one. Again I never had any open account for capital one as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Product: Debt collection

I monitor my XXXX  & XXXX  reports regularly. In XXXX both my credit scores dropped. I noticed a collection from Zion on my XXXX  report. I Disputed it & it was removed. Did the same with XXXX  twice & it remains. XXXX deleted Zion from my wife 's rpt. I sent XXXX  copies from my wife 's rpt. It showed XXXX XXXX as the agency in XXXX. Responsible party was ind. In XXXX. XXXX deleted XXXX XXXX from her rpt. Zion has changed Responsible party to joint in XXXX. We never received any communication from Zion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accuracy of the following accounts that appear on my credit report. I believe these accounts are in violation of the following laws : FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, FCBA. 

The following accounts are inaccurately reported on my credit report : XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. I have attached supporting documentation for your reference. 

These inaccurate accounts have caused me significant emotional distress and financial hardship. I urge you to take swift action to rectify this situation and remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my Chase credit card bull in full. On XX/XX/XXXX an interest charge of {$52.00} was added to my XXXX balance account. I 've contacted Chase and they claim it is an interest charge on the balance due. My card was paid in full and I had a XXXX balance.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX 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
Product: Debt collection

When I got a XXXX service, they promised a " Credit '' to my balance since I switch to XXXX. 
Every time that I asked to a representative when this credit will be reflecting on my balance or account, they always said the credit will reflect in the next billing cycle. 
That never happened, and when the contract finished, I asked for the credit to pay off the balance, the managers that I spoke to agree to apply that credit to pay off to reduce the balance to {$0.00}. 
Now I found that XXXX placed an account for {$1800.00} dollars to a debt collector named Diversified Consultants , Inc . Here is an unfair marketing practice to get client with false promotions. 
I contacted Diversified Consultants in 2 different times thru regular mail, I asked for the validation of the debt, and itemize stamen of the collection account, a copy of the signed contract and all the charges and payments made in the account, but I never received a response. The real reason of my complaint its to get a validation of the debt since the debt collector is ignoring my letters.
Product: Credit card

I have opened a credit card with American Express - XXXX XXXX Business card I was charged the annual fee of {$190.00} on XX/XX/year>. I have cancelled the card on XX/XX/year>. Upon the American Express representative reading the closing disclosure to me- he has not mentioned that my annual fee will not be waived. This is the annual fee for the year that I have not used or will not be using. 

I have contacted American Express customer service a week after closure and asked to waive the annual fee. I said that the person who read me the cancellation disclosure has not mentioned to me about that the annual fee will not get refunded. They started a case number and said will get back to me around 1-2 weeks and sometimes longer. However, it has been a month and I haven't heard back. I called back to American Express and they said the case got declined. I contacted AmEx two more times after saying I dont want to pay for something I was not acknoledged and for the service I will not be using. Let alone the charge since XX/XX/XXXX I have not used the card. I will not be using the card since it is cancelled so I am paying for the 10 months of annual fee for the services I can't be using.
Product: Credit card or prepaid card

I called into capital one on XX/XX/18. I asked if they would lower my APR the agent advised that they would. However it was for a temporary amount of time. I asked if I could get a permeant reduction the agent said no. However, I did the agent if the company offers them. She said " yes '' I asked what I had to do to get one and she couldn't come up with an answer. After purposefully lying to me to get me off the phone she sent me to her supervisor because she was unable to complete the call due to her lack of knowledge.