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

I had a business credit card through XXXX XXXX. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that business closed. I called XXXX ( as I did with XXXX XXXX  and XXXX XXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed XXXX that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with XXXX XXXX  again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for XXXX XXXX. It even shows no reporting up to the point they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent 7 total hours on the phone with over XXXX XXXX representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.
Product: Credit reporting or other personal consumer reports

I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries by all XXXX credit bureaus. XXXX. Equifax. XXXX. 

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

I am submitting a formal request for the removal of items from my credit file that are attributed to said fraudulent actions. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that any such items be expunged from records no later than XXXX business days following the receipt of my last communication. I have previously submitted my identity theft report ( # XXXX ) and hereby reiterate its inclusion for your reference. Additionally, I must emphasize that the details associated with these items are unfamiliar to me and have been successfully removed by other bureaus, casting doubt on their validity. It is imperative that the following entries be removed from my credit report as part of this complaint : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX : XXXX  XXXX Balance XXXX : {$3300.00} XXXX XX/XX/2022 XXXX : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1100.00}. This notification serves to inform you that failure to remove the aforementioned items will compel me to initiate legal proceedings. My legal representative has been apprised of this situation and is prepared to pursue action for willful noncompliance. Consider this a final warning to rectify the issue by removing the items stemming from alleged fraudulent activity.
Product: Mortgage

Back in XXXX of 2019 I contacted Wells Fargo Home mortgage to inquire about a possible refinance of my loan. The individual who help me, XXXX XXXX XXXX ID XXXX. He ordered an appraisal for me in which i paid XXXX for, After the loan went through underwriting there was a discrepancy as to whether the property was my primary home or an investment property, leading Wells Fargo to provide a counter offer for the refinance. I rejected the counter but requested a copy of the appraisal that Wells Fargo had ordered and I had paid for. Unfortunately XXXX sent that copy to me as a secured email and I couldnt access it. I have called Wells Fargo several times and they are unable to find the appraisal nor do they show any records of the refinance. I need Wells Fargo to trace their records and provide the appraisal that I paid for or refund me the {$500.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of XXXX XXXX XXXXXXXX at XXXX XXXX from XXXX and Experian I am writing to formally file a complaint regarding an account listed on my credit reports. Specifically, the account titled XXXX XXXX XXXX at XXXX XXXX has been successfully deleted from my XXXX credit report, but it still appears on my XXXX and Experian reports. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( b ) and Section 611, I am entitled to accurate and consistent information across all credit bureaus. Once an account is proven to be invalid, inaccurate, or deleted by one bureau, the reporting agencies must ensure that the information is corrected across all credit reports to prevent unfair or misleading representation of my credit history. 

I have previously disputed this account with XXXX and Experian and provided evidence of its deletion from XXXX. Despite my efforts, the item remains on my credit file with these two bureaus. This inconsistency violates my rights under the FCRA and imposes an undue burden on me by adversely impacting my creditworthiness. 

I am requesting that the CFPB take action to ensure that XXXX and Experian remove this account from my credit report promptly, as it has already been deemed unverified and removed by XXXX. 

Please contact me if additional documentation or information is needed to assist in the resolution of this matter.
Product: Debt collection

On or about XX/XX/23 I received a letter from I.C. Systems, XXXX  XXXX XXXX, XXXX XXXX, MN XXXX ( a debt collector ), that I owed {$850.00} for monies owed to XXXX XXXX. First of all, I have never used XXXX XXXX as I just use XXXX  XXXX  and streaming services. I wrote a letter back to I.C. Systems explaining that I have never used XXXX XXXX and to have the debt removed from my credit history. 

On XX/XX/XXXX, I received a letter from I.C. Systems stating that the account was validated and I still owe the money. They attached a " letter '' supposedly from XXXX stating that the charges were valid. They did not provide any information to substantiate these charges or explain why they consider them valid. 

These charges are not valid and need to be expunged from your credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( a ) ( 3 ), Congress makes it clear that Equifax, a consumer reporting agency, assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I, XXXX XXXX, am a consumer who never gave Equifax permission to do this. Equifax did not have my consent. 

Because Equifax assumed this role, in 15 U.S.C. 1681 ( a ) ( 4 ), there is a need to insure that Equifax exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Equifax did not exercise their grave responsibilities. Equifax were unfair, impartial, and did not respect my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXXXXXX have 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: Checking or savings account

On XX/XX/XXXX I went to XXXX XXXX checked my balance and charged XXXX cents with XXXX remaining in my available balance. 

SunTrust charged me a XXXX overdraft fee when my account was in a positive balance. Then claimed it was for an item that posted 3 days later. I have attached screenshots to show that they illegally took funds from my account and charged me a fee
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.
Product: Credit reporting or other personal consumer reports

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

I sent experian a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately A
Product: Credit card or prepaid card

Citibank just arbitrarily reduced my balance to zero, despite having not even used the one card and never being in default. 

Never missed any payments. I also paid down large amounts on balance over several weeks. 

Had I know you would do that I would never had made those payments. 

Now I'm out of cash. This will also negative impact on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, Transunion & XXXX. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX , Transunion & XXXX & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

I have had a chase credit card for 13 years. The other chase card for 5 years. My credit is excellent, all of my bills are paid on time and in full. They recently closed my 2 credit cards with no notice. I don't understand what the issue is. 

I called chase and they told me a letter was coming with an explanation. After 13 years and both of my accounts in good standing I don't know why they would have closed them.
Product: Mortgage

I initially recieved a interest only Private loan for XXXX on XX/XX/XXXX from XXXX XXXX with a 8.99 % interest rate for 1 year for an investment property. Fay Servicing LLC was the servicing company. I intended to refinance immediately. I tried to refinance out of the private loan into a FHA loan for a better interest rate. I was having DTI issues due to a hike in interest rates. I attempted to qualify with several financial institutions and I was unsuccessful. In XXXX I recieved an extension which carried me to XX/XX/XXXXXXXX XXXX Communication became difficult and I continued my on time mortgage payments and was informed that my loan has mutured. I requested to restucture and or modify the loan and It became difficult to communicate or recieve timely response. I was told that the company does not restructure or modify loans. I recieved inflated amounts added to my XXXX loan. I recieved notice that my loan was now XXXX over XXXX over my original loan amount. XX/XX/XXXX I attempted to make my XXXX mortgage payment and it was refused and the loan was now deafaulted for the full amount of XXXX plus daily charges. With the current loan amount the banks woud not qualify me for a FHA loan because there was not enough equity in the property due to the added inflated loan amounts and loan to value. I later found out the loan was sold to XXXX XXXX, and Fay Servicing is still the Servicer. I attempted to sell the property, I requested to modify the loan, I attempted to qualify the tenants to buy the property so the property would not go into foreclosure and destroy my business endeavors. I attempted to use many financial agencies for assitance to try to get a modification. Fay Servicing continued to send regular mortgage statements, while refusing payments. They also refused 3 different sale offers acting as if they were willing to negotiate. They purposely prolonged resolution and charged me high fees which made qualifying for bank loans challenging for lower interest bank loans. 
The tenants at my property qualified for the $ XXXX loan to get FHA owner occupied loans, but Fay Servicing refused. This would have resolved and paid the loan in full. It is unfortunate my tenants and I tried extensively to resolve this issue. Since the loan was in default, many agencies were unable to assist. I was never late with my mortgage payments, but because the loan matured they did not want to negotiate and refused payments. 
Several agencies and attorneys have informed me that this behavior is typical of Fay servicing. I am not trying to avoid my contracted payments. I am only requesting to resume payments to continue with my business venture while keeping my tenants from being unhoused. 
Fay is intentionally making this situation difficult once they started denying my mortgage payments. I requested a breakdown of the fees I was being charged, and they refused to provide me this information. 
This behavior is financially abusive. The need to be stopped! 

Best Regards, View full complaint
Product: Credit card

On XX/XX/XXXX, I attempted to make a full on-time payment for my Capital One credit card using my XXXX XXXX XXXXXXXX checking account. Capital One 's mobile app initially indicated the payment was successful. However, on XX/XX/XXXX, I received a notification that the payment was returned due to incorrect account information. 

I immediately resubmitted the payment with the correct information on XX/XX/XXXX, and the funds were successfully transferred to Capital One on XX/XX/XXXX. Despite the full payment being made on time, Capital One assessed a late fee and interest charges. While Capital One did fully refund the late fee on XX/XX/XXXX, they only partially refunded the interest charges, providing a {$50.00} credit out of a total of {$130.00} on XX/XX/XXXX after I contacted customer support. 

Capital One was unable to definitively confirm that the account number was incorrect, as the last four digits matched. Nevertheless, I was penalized for a payment issue that was not entirely my fault. I am requesting a full refund of the interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian To delete an remove all inaccurate information that is hurting my file. checking the data on all platforms everything is not matched. this has caused alot of errors in approvals an denials with m credit. this is issues that need to be resolved to correct my file asap.
Product: Debt collection

On XX/XX/2019, I mailed a certified letter to XXXX XXXX XXXX for validation of the collection account stating I owe {$3600.00} they placed on my credit report, which does not belong to me, I never open this account with them nor the company they represent, its been over 60 days and no response back from XXXX XXXX XXXX