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

Upon reviewing my Consumer Reports, I discovered that some information was incorrect in regards to late payments on an account for which I have always paid on time. I have never missed a payment on this account. I have documentation showing that I have made all of my payments on time. Consumer reporting agencies play a critical role in accurately reporting consumer information. It is imperative that thus information be reported with the utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Payday loan, title loan, or personal loan

This company is incorrectly reporting to the three credit agencies I failed to pay my note in XX/XX/XXXX. This is incorrect, and I've written to them three ( 3 ) times, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting them to resolve this issue. Their response was my complaint was frivolous. 

I had an account with them in since XX/XX/XXXX, in XX/XX/XXXX due to three XXXX and aftermath of that health issue including loss of income, I had to file Chapter XXXX bankruptcy in Federal Court of the XXXX District of Texas. As you know the bankruptcy laws changed thus all creditors were to receive and did receive what the Federal court and trustee equated to full repayment of account. This company was included in the bankruptcy. This company, as all of the creditors, received court documents of this filing with the scheduled repayment of the account. The federal trustee paid this account in full between the filing in XX/XX/XXXX and discharge of bankruptcy for completion in XX/XX/XXXX. They are reporting wrong information and when I request they resolve this issue, after recapping my situation, they refuse saying my complaint to them is " frivolous ''. They have no standing in reporting anything negative to three credit agencies, they were paid within the orders of a federal judge and they accepted the terms of the judge 's orders while collecting the funds sent to them by the federal trustee. Now they've reported a negative comment to the three credit reporting agencies, right after I was discharged, that will remain on my credit report for 7 years, yet they agreed to the court order and received the funds. This account was repaid in full and on time per court orders. This needs to be resolved by them removing the negative comment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was explained the Company that I have difficulty to pay due to Covid-19 It affects me and my family they were willing to help but they report a late payment to the credit Bureaus. It hurt my Score
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my consumer credit report prepared by your agency. This letter is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputes and ensure the accuracy of consumer reports. Also, the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have closed accounts that should be deleted off my credit report once paid. They have been on my account for years their statuses are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information appeared on my Equifax account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
Product: Debt collection

In XXXX XXXX XXXX XXXX XXXX, I was notified by Midland Credit Management advising that they purchased an account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX showing a balance due of {$4600.00} that I owed. As with other accounts, they purchased that I did not owe, I advised this account was fraudulently established in my name, without my knowledge like the other accounts they purchased that were fraudulently set up in my name. I was told I do owe this balance and how would I like to pay. 

On XX/XX/XXXX, I submitted a copy of a notarized Identity Theft Affidavit along with a copy of a report with report number that was filed with the Federal Trade Commission showing I was disputing this issue, and this debt was not mine. I also requested a copy of the signed contract showing when I opened the account and my agreeing to the terms of the credit card. I advised that my SSN was compromised in XXXX, and several other companies have reached out ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ) and others advising my information was involved in data breach. 

On XX/XX/XXXX, I received another notice in the mail requesting payment for the aforementioned amount and the same documentation requesting a police report, notarized fraud identity affidavit, a completed Federal Trade Commission fraud affidavit. Again, on XX/XX/XXXX, I received the same request from Midland Credit Management. 

As of XX/XX/XXXX, this company has begun making collections calls to my phone. 

This company has requested the same information for previous accounts that they purchased in my name, and I have submitted the requested documentation. Those accounts were closed without payment, however, after submission of the requested information on two separate occasions, they refuse to close this account.
Product: Mortgage

We tried to modify our home loans however due to my husband being unemployed we did not qualify. We tried the Keeping yo ur Home Calif ornia and we were told that we could not qualify either. So we have had to use the Short Sale process to avoid a foreclosure. The first lender,  XXXX , would be paid off by the short sale approximately $  XXXX , while Bank of America would not, thus becoming a short sale. The issue is that we had to file bankruptcy as well, so the HELOC was discharged as well. When we first applied for the short sale with Bank of America, they could not find the account. It took a long time to finally have a short sale representative from Bank of America finally find it because it was discharged. The BK department at Bank of America had told my Realtor that we should not have an issue getting approved because some money is better than nothing since it was already discharged. With a sale at $  XXXX  from the buyer, Bank of America would net approximately $ 20k+. In addition, Realtor requested relocation funds, and  XXXX  was going to give us relocation funds but since they are no longer making the approval on the short sale, we have to request from Bank of America. The BofA representative said they could not because it is a HELOC. If  XXXX  forecloses, because BofA wo n't approve us, they wo n't get any money, so it does not make sense to us. We wanted to keep our home! We raised our girls here and were happy, but due to financial circumstances where my husband was laid off, it became very difficult to the point that we almost got divorced due to the stress. Thankfully we managed to work through this issue as well. We are not being unreasonable by asking for relocation funds. With a short sale we would be preventing a foreclosure for all involved. Please assist us in having Bank of America with relocation funds.
Product: Credit reporting or other personal consumer reports

There are 2 Inquiries on My Credit Report from XXXX that I did not do Please Remove these fraudulent inquiries from my report. 

XXXX XXXX : Inquiry Dated on XX/XX/year> XXXX XXXX  : Inquiry Dated on XX/XX/year> Chase need to inform XXXX, XXXX, & Equifax that these inquiries are fraudulent. 

My FTC Report & ID is attached
Product: Vehicle loan or lease

On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.
Product: Credit card or prepaid card

I understand the pandemic, cyber terrorism and transition to digitalized has impacted financial services however my accounts were closed for other reasons. So many BILLION dollar, companies have totally lost integrity, ethics, morals, values, a soul ... during COVID19 and are targeting, bullying and clearly violating the law. This is starting to become a regular issue that is hindering the country. 

The money was in my checking account for my Chase payments however XXXX decided to charge me ten overdraft fees. XXXX purposefully did the math wrong and this is not the first time NFCUs unethical overdraft practices have impacted my transactions with other institutions. 

XXXX manipulated the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) negatively impacted the way XXXX processed various types of debits and the time period ( a week ) did not allow me to keep track of what XXXX was doing so I was not unable to anticipate and avoid overdraft fees. 

The effect of XXXX practices has negatively impacted my relationship with other financial institutions. Several of my other institutions did not receive the scheduled payments due to XXXX. XXXX credited my account hundreds in fees however that still does not negate the fact that my accounts ( XXXX ), ( XXXX ) and ( XXXX ) were closed with other financial institutions such as Chase Bank. 

After receiving notice from Chase on XX/XX/2021 that my payment was not received. I immediately rescheduled the payments on all three credit cards. However, Chase Bank closed all three of my credit cards. I am shocked as I held a VA mortgage with Chase Bank and always paid my mortgage on time and ahead of time. This is also the first time I had an issue with my credit card payments.
Product: Credit reporting or other personal consumer reports

I am writing to urgently demand the prompt removal of all fraudulent personal information, accounts, and transactions that have been wrongfully associated with my identity without my knowledge or consent. I have recently become a victim of identity theft, which I have reported to the proper authorities. The presence of this inaccurate data on my credit reports is causing me severe financial hardship and reputational damage. 

As a well-informed consumer aware of my protected rights under the Fair Credit Reporting Act, I insist that you expeditiously remove and block any fraudulent, inaccurate or misleading items that have been illegally included on my credit reports. The unauthorized use of my personal information to open accounts or conduct transactions to which I did not provide explicit consent is unlawful. 

I formally request that your organization conduct a thorough investigation and permanently delete any fraudulent listings from my credit file within five ( 5 ) business days of receiving this certified notice. I have enclosed supporting documentation, including an identity theft affidavit and police report, to aid your verification process.
Product: Credit reporting or other personal consumer reports

I " am requesting that my student loan accounts be removed off my credit reports within 24 hours. I have attached proof that my loans are discharged and a 1099c was submitted so its a cancellation of debt and income can not be reported on any credit reports its agents the consumer law. Also due to this being a cancellation of debt my loans has turned into a certificate of indebtedness and must be removed from my report. {$88000.00} has been cancelled a copy is attached and these should be removed within 24 hours of this complaint. This is also against the Family Educational Act you are not allowed to report income from school loans are any loans due to consumer law. The account numbers are listed below. 

XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/18 States that y'all have blocked me from enabling external accounts
Product: Credit reporting or other personal consumer reports

It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My mortgage company sold my mortgage to another mortgage company. Their action lowered my credit score through XXXX now saying due to the time I have had my mortgage. I have never made a late payment, I always pay more than the minimum amount due and I did not ask for a change in companies. Why should I be penalized in any way just so a mortgage company wants to make more money? My mortgage has been sold 4 times in less than 12 years. I would guess because I have a very low interest rate. 
I will never be able to change this abusive practice as I am XXXX XXXX XXXX and will probably die before they continue to sell my mortgage keeping my score lower. I have no other debt.
Product: Credit card

I purchased {$24000.00} gift cards with my Wells Fargo credit card because I was scammed by email at my new job. Someone posed as my boss and said I needed to buy the gift cards for employee appreciation. I work in XXXX. 

The scammers made three payments on the credit card to allow me to continue purchasing gift cards when I got close to or went over my maximum limit of {$11000.00}. I called and made the payments with the account they gave me, which I thought belonged to my boss, in the amounts as follows : Date Payments from Amount XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$9000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} {$24000.00} Due to these payments that Wells Fargo accepted, I was able to purchase more gift cards than my maximum amount. I had a {$30.00} credit on my Wells Fargo credit card when I called and told them I was scammed. Wells Fargo refunded the payments to the bank provided by the scammers, XXXX XXXX XXXX XXXX and said I now owe the full balance. 

If they wouldn't have accepted the payment in the first place, and they knew large purchases of gift cards is typically fraudulent, they should not have allowed me to continue buying them or charge me for the full amount, knowing that I was purchasing the gift cards because I was deceived. I believe Wells Fargo has not taken responsibility for disputing a payment not connected to my account and wants me to pay the full amount as if I purchased them with full knowledge of the situation. 

I also have a XXXXXXXX XXXX  that I purchased {$2500.00} of gift cards on and XXXX  rejected my claim that it was fraudulent because I purchased the cards. My XXXX XXXX XXXX mother is out {$8000.00} and I am out {$2000.00} in cash. Total cost of the XXXX gift cards purchased is {$36000.00}. The cards were purchased by me from XX/XX/XXXX through XX/XX/XXXX. 

I can send copies of the credit cards statements when I get them saved electronically. Please provide an email or other link to send them. I can also provide the police report I filed with the XXXX Police Department in XXXX, Oklahoma. Detective XXXX XXXX regarding the case at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Multiple times from XXXX to XXXX Ive disputed XXXX XXXX for their constant reporting on my credit report of late payments when it is a closed account which goes against Fair Credit Reporting. A closed account can not be late or continue to report on my credit as a late account for XXXX years resulting in multiple credit denials. Most recently Ive written XXXX and EXPERIAN asking them for validation of debt as well as proof of investigation and the means in which they affirm that the late reporting of a closed account is within Fair Credit Reporting practices. All of which times both companies ignored my request and sent me notice of an updated resolution that was exactly the same as before the dispute.
Product: Credit reporting or other personal consumer reports

I sent a letter to Letter to Lexis Nexis and XXXX in XXXX and most recently on XX/XX/XXXX in regard to a public record on my consumer reports that XXXX, XXXX and XXXX is reporting. XXXX stated that they verified the account with Lexis Nexis, Lexis Nexis said they used a system called pacer to verify the account. I know my rights as a consumer, and I know that according to XXXX XXXX XXXX these companies have no permissible purpose to report this information on my consumer reports. I contacted XXXX  and XXXXXXXX XXXX courts and they both provided me with a letter stating they DO NOT provide any information to any of these companies. Just because an account is listed on a public website does not mean it is fair and accurate. There's no permissible purpose and the companies are violating my livelihood and my rights as a consumer. These companies are NOT doing an actual investigation. They are not even responding to my letters anymore. I demand these companies remove this information from my consumer reports for unfair practices. My rights have been violated.
Product: Credit reporting or other personal consumer reports

I have been a cosigner on two student loans serviced by XXXX since XXXX. Unfortunately, these accounts were reported as derogatory from XXXX until XX/XX/XXXX, when they were updated and paid in full. According to the Fair Credit Reporting Act, derogatory accounts can only be reported on my credit file for a maximum of seven years, and bankruptcy for 10 years. 

However, XXXX has continued to report these accounts on my credit bureau file as positive, but with late payments shown for the years when they were reported negatively. This has had a serious impact on my credit file, and even though the accounts are now reported as paid in full, they still have a negative impact. 

I am requesting that these two accounts be completely deleted from my credit file. Consumer law does not allow them to continue reporting these accounts positively for another 10 years, especially since they have already been reported negatively for over seven years. 
The said accounts are reporting as {$12000.00} and {$57000.00} with account endind as XXXX and XXXX respectively
Product: Credit card or prepaid card

This is NOT a duplicate complaint. This complaint relates to Citibank 's actions within the past seven days. I do not owe Citibank any money. Citibank has repeatedly harassed me over the past eight years, resulting in my filing of multiple federal lawsuits, and arbitration cases through XXXX and XXXX. Last year, Citibank 's attorney, XXXX XXXX, assured me that Citibank would stop contacting me. Yet, the contact continues. Despite my repeated requests, Citibank continues to access my personal credit report and send me credit card offers they know are not " firm offer ( s ) of credit '' as that term is defined by the Fair Credit Reporting Act. On XXXX XXXX, 2017, I filed a CFPB complaint concerning Citibank 's repeated access of my credit report, and their sending of credit card offers to me. Citibank responded to the complaint by mailing me another credit card offer which I received in the mail today.