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

XX/XX/20 I submitted Identity Theft documents to Equifax, XXXX  & XXXX  about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my Equifax & XXXX  report even though I have notified them of Identity Theft in my name.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, credit standing, credit capacity, character, and general reputation.

I have disputed this charge-off on several dates and every single response came back verified. I will submit records of this.

The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are fraudulent inquires that need to be removed : XXXX XXXX ( XXXX ), XXXX  card ( XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I was denied by Fidelity Visa Signature Card account. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. 
Under 15 USC 1611. Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 15 USC 1611
Product: Vehicle loan or lease

I am a former customer of US auto sales. I finance my car for {$22000.00} and the company closed down and sent my contract over to Westlake portfolio management which they are saying my account is delinquent when I have never missed a payment on my US auto sales car note. They say I still owe {$20000.00} on my car and thats impossible. Ive tried to reach out to Westlake portfolio management Which they can not explain to me why my car is still at a {$20000.00} balance after almost 2 years. They have yet to reach back to me about my claim But are continuing to threaten to repossess my car if I dont make payment. US auto sales did not report my payments correctly and Westlake portfolio management says they do not have my full contract from US auto sales at the moment but are threatening to repossess my card for a delinquent count when I have never missed a payment on my car
Product: Mortgage

By letter dated XX/XX/XXXX, I received notice that my mortgage loan was being sold by XXXX XXXX to Flagstar Bank effective XX/XX/XXXX. I also receive an Annual Escrow Disclosure Statement dated XX/XX/XXXX, which analyzed my escrow account from XX/XX/XXXX through XX/XX/XXXX. That analysis, which indicated it was undertaken by XXXX XXXX, increased my monthly loan payments to {$2300.00}. 

My mortgage loan payments are set to be automatically paid out of a brokerage account. I went online and adjusted future payments to accommodate the increase. 

By letter dated XX/XX/XXXX, I received a late notice from Flagstar Bank stating that they had not received the monthly payment on my note and that the total amount due was {$110.00}. Since my payments were on automatic transfer, I was unclear at to how the payment was missed. 

Upon review of the matter, I discovered that Flagstar bank had performed another Escrow Analysis of my account as of XX/XX/XXXX and increase the payment {$38.00} to {$2400.00} beginning with the XX/XX/XXXX payment. When they received the {$2300.00} payment on XX/XX/XXXX, it was placed in a suspense account and not applied to the loan. While they then had nine days to advise that the account was light {$38.00} ; Flagstar opted to wait until after the grace period ( XX/XX/XXXX ) to advise that they had not received the full payment due. A late notice dated XX/XX/XXXX advised of the shortfall and noted that a {$72.00} late charge was assessed on the account. 

My complaint against Flagstar is threefold. 

1. Annual Escrow Account Reviews should not occur more than annually. The payment was adjusted coinciding with the transfer of service to Flagstar on XX/XX/XXXX and should not have be adjusted again in XXXX. 
2. Once the payment was received, I should have been notified of any deficiency immediately so that the shortfall could have been paid prior to triggering a late payment fee. 
3. A {$72.00} late fee on a {$38.00} shortage is punitive as it amounts to nearly twice the amount the payment was short, which equates to a 2253 % annual interest charge, which is usurious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account appearing on my credit reports 1. XXXX university {$2100.00}
Product: Debt collection

received a voicemail Wednesday XX/XX/XXXX at XXXX via phone number of : XXXX ( XXXX ) XXXX, stating the following : " this message contains a personal note is for we are calling to make you aware that there has been a complaint filed on your name you have an opportunity to contact the filling party and handle this on your round to stop further action they can be reached at your case number is XXXX, failure to respond will result in further action to a solution ''. 

They called again today XX/XX/XXXX XXXX from the same number advising that they could confirm my last four to my social as well as informing me I have a balance of {$790.00} due to Fifth Third Bank from XX/XX/XXXX. That I would need to make a payment today, I have two options : 3 months paying XXXX, or XXXX in full. I stated no I would like verification and was told that at this point it would be unnecessary, and I could get proof of debt once I agreed to make a payment now, or set up a [ payment plan with a card. I asked for a name and address and was told for their own protection they do not give out that information, I could have my lawyer call. I spoke with XXXX at extension XXXX. He was able to provide me with a different reference number outside of what was left on my voice mail of " XXXX ''. He asked if I was able to make an installment of {$50.00} and again biweekly until balance of {$390.00} was paid in full, advising me that I had until XX/XX/XXXX.
Product: Debt collection

On XX/XX/2021 someone from credence resource management called me about a debt, they broke several of my consumer rights which is, XXXX XXXX XXXX ( c ) ( a ) states that a debt collector may not communicate with a consumer without the prior consent and with credence resource management being a XXXX XXXX debt collector they didn't have prior consent to communicate with me regarding a debt, another law they broke was XXXX XXXX XXXX ( c ) ( XXXX ) which states that a debt collector can not communicate with a consumer at any unusual time, place known or which should be known inconvenient to the consumer, and last but not least is XXXX XXXX XXXX ( d ) ( XXXX ) a debt collector can not use obscene or profane language which the debt collector used when they stated I owed a debt so I'm requesting for monetary relief persuant to XXXX XXXX XXXX which is civil liability which states that a debt collection agency would owe a consumer XXXX dollars for breaking these laws and this debt collection agency violated XXXX of my consumer rights so I'm asking for a check in the amount of XXXX dollars XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified an incorrect account reporting on my credit report. This account violates 15US 1681e ( b ). XXXX, XXXX and Equifax refuse to remove the information from my credit report. I attached and highlighted the incorrect information and would like it removed immediately. 

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

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX
Product: Debt collection

Merchants and Professional Collection Bureau Inc, continutes to send me letters attempting to collect on an old debt that is over 4 years - 7 years old. These debts are no longer on my credit report. These debts were disputed and removed from my credit report and now Merchants and Profession Collection Bureau Inc is attempting to collect these debts. I have contacted them several times by phone, each time I receive these letters, which has been since the end or the beginning of XXXX, threating to sue me for {$73.00}. The latest letter is dated XX/XX/21. One debt is for {$10.00} which I disputed because this debt was paid ( through online banking ) to the doctor ). Instead of them notifying the collector, they continue to send treathen letter to sue me and report this fraugulent {$10.00} to the credit bureau.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$640.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Se c. 605, 609, and 623.  On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information fro m Original Creditor and   XXXX ,  XXXX , Experain, with is in violation of the law ... ..
Product: Vehicle loan or lease

I got a vehicle through US AUTO Sales and who is now currently backrupted and now westlake portfolio management who is a debt collector is trying to get me to pay for my truck through them but my contract with us auto sales was fraudulent and now no one is available to give any further answers
Product: Credit card

I contacted Bank of America in regards to my World Elite credit card. I explained to the representative that my payments are posting late dispite utilzing their automatic system that states if you make a payment on the due date at XXXXXXXX XXXX the payment will post that day. That is not happening. They also continue to lower my credit limit, which places me over the limit and causes an impact to the debt- to- income ratio. I have been denied credit and jobs because of their lack of honoring their company policy. I have also had my scores tremendously impacted because of their tattics. I would like to have all late payments removed from my credit report and bill to restore my credit worthiness to other creditors. I have been a customer I spoke with the representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX Opened XX/XX/XXXX Original approved amount {$250.00} Bal updated XX/XX/XXXX New credit : {$1400.00} I contacted chase and advised I have never signed up for a credit card with their bank. And one rep told me I was only showing as an authorized signer. Proceeded to give me a name I had never heard of. When I asked to be removed they informed me that I couldnt. I turned around and called XXXX to dispute this account the same day ( XX/XX/XXXX ) and they too advised me that a XXXX XXXX had opened the account. I do not nor have I ever met this person in my life. I want my name removed from this account and all information removed from Chase Bank ASAP! Chase bank refused to do anything about this.
Product: Student loan

My payment of XXXX is past due this month. I'm enrolled in direct deposits and they have billed my bank account before. I have two emails. One that direct deposit would come out on XX/XX/19 and one from XX/XX/19 that payment was received. On my online account, no payment is posted. I'm also not in the direct deposit ( which I don't understand why ) and those two emails above are nowhere to be found in my account related letter.
Product: Credit reporting or other personal consumer reports

There is a XXXX credit account reporting on my credit report. Ive submitted multiple disputes for this account with XXXX, XXXX, and Experian due to the inaccuracy of the account. 

XX/XX/XXXX I received notice of an account that was disputed via online and it came back again verified and updated. 

XXXX XXXX I mailed a certified letters to all three bureaus in regards to this account. 

XX/XX/XXXX I received notice of an account that disputed via online and it came back verified. 

XX/XX/XXXX I received another update to that account that it is now open The first issue I have is that the issue company is reporting a balance when in reality the company has wrote the debt off and has been able to get money in collateral for the tax wrote off. 

The second issue that I have is I never received any documents about this account. No information on closing of account, no tax documents were sent to me as far as the write off goes becuse it was reporting as my debt. 

The icing on top of the cake is when I received an alert today XXXX XXXX via XXXX saying I had a new delenquent account that was open. And the account was for XXXX for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Product: Mortgage

I attempted to refinance my mortgage with Wells Fargo in XXXX. I was denied and told that in order to refinance or get any modifications to my mortgage that I would 1st have to go into a foreclosure. I reached out to have this investigated by Wells Fargo. In XXXX Wells Fargo close an investigation claiming that I asked for a Modification and not a refinance. I was denied the chance at both and at the time of my request I had more that 8yrs with no missed payments. These actions forced me into a forecast, in which I lost my home and earn equity. I believe that I should be included in the mortgage settlement lawsuit. I would like my case investigated.
Product: Checking or savings account

I have got the Fifth Third XXXX regarding checkin account where they were offering {$600.00} if i will meet the terms and condition. I have opened the Checkin Account with Fifth Third with the promotion of {$600.00} on XXXX and Baker " XXXX XXXX XXXX applied the code in system and give the print of code confirmation. I maintain my account balance as XXXX for more than 90 days and got direct deposit of {$1000.00} within 60 days. I was supposed to receive the promotion bonus of {$600.00} after 90 days of account opening. It is being more six months where my account is opened and i didnt receive any bonus so far. 
I tried to spoke with banker and they told that since she forgot the send the flyer to their head office that is why i didnt receive my bonus and promise me of getting promotion amount asap. It is being more than 3 months when i spoke to banker i didnt receive the bank. Later on Banker went of vacation and ask me to talk to Bank Manager " XXXX XXXX ''. I tried making lot of call to her and leave voice messages but didnt receive any repose from bank. 

I went bank three to four times but sometime either baker is not available or sometimes branch manager is not available. 

I am attaching 4 month of bank statement along with promotion receipt to defend my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX  XXXX CO L with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Checking or savings account

in XX/XX/XXXX citi bank closed my account without giving me any notice. and it's been 4 month i stilll didn't get any notice from citi bank and my money back. I called their customer service right after i found out my account is closed.they told me they closed my account and it refund me my money ( {$21000.00} ) in check. But i didn't receive anything yet. everytime i called they told me to wait 14 days. I am keep waiting they never send anything. If i call customer service they tell me to go bank so they can issue me a check. when i go to bank they told me they can't issue a check i have to call customer service. They are harassing me a lot. I'm so broken in mentally. And i'm in XXXX because of their harassment. everytime i call them they harass me telling me they don't find me in system. and hang up on me. When i called back and report this they told me they don't know why old agent told me they can't find me. I'm so disturbed. One time they told me they don't see my money. Later i called them again they told me they see it and they will refund me. But it's been 4 month they didn't refund me. Now they are telling me they won't give me my money back. they said they send the check once if i don't receive it. it's not their problem they wont give me money. I don't know what to do. I haven't pay for college, rent and and have no saving for my family. I'm XXXX  lost please help me.everytime i called them they told me they will send me a check of {$21000.00} my full amount. but they never did. i'm a XXXX  and college already started i couldn't pay for it. since citi bank stole all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/2022, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/2022, XXXX XXXX Experian XXXX XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these reporting Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

capitalone refuses to delete this fraudulent account from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX To Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXXXXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report back to XX/XX/year>, and notice some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. These accounts [ XXXX XXXX ] also [ XXXX XXXX ] is not accurate. Inaccuracies for [ XXXX XXXX ] also [ XXXX XXXX ] includes open dates, last payment date and days late.