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

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Removal Request for Inaccurate Accounts Impact of Equifax XXXX XXXX Dear Equifax, I am writing to dispute the inaccurate accounts listed on my credit report, which do not belong to me. These entries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 

As a victim of the Equifax data breach, my personal information was exposed to potential fraud. Since then, my family and I have faced significant financial hardship, including fraudulent activity related to the breach. The inaccurate accounts on my credit report are exacerbating our situation by damaging my credit score, further preventing us from obtaining necessary financial resources. 

Despite my prior disputes, I have not received any valid documentation, verification, or proof that these accounts are mine. Under the FCRA ( Section 1681i ), you are required to conduct a thorough investigation and remove unverified information from my report. Since no verification has been provided, I demand the immediate removal of these negative entries. 

Given the financial harm caused by the breach, I request that these errors be corrected within XXXX  days from receipt of this letter. If not, I will pursue legal action for violations of the FCRA. 

Thank you for addressing this matter promptly. 

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

I saw on my TransUnion credit report that I had an account with XXXX XXXX XXXX but I never opened one. After submitting a dispute through TransUnion, I informed XXXX XXXX XXXX about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my TransUnion credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.
Product: Checking or savings account

The outrages overdraft fees, and the constant charges that they do is unbelievable. I have so many overdraft charges on my account. Its just to much. And just plain fraudulant. I
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXXXXXX XXXX  and TRANSUNION regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On XX/XX/year>, I noticed that XXXX XXXXXXXX XXXX continues to report the aforementioned account on my credit report. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that XXXX XXXXXXXX XXXX promptly rectify this misrepresentation and REMOVE THIS ACCOUNT FROM MY CREDIT REPORT '' Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of XXXX XXXXXXXX XXXX  and TRANSUNION have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXXXXXX XXXX complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold XXXX XXXX XXXX and TRANSUNION accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

I want to emphasize that a charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request your assistance in reviewing the status of this account. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Mortgage

To Whom It May Concern : My mom was finally approved for a home loan modification after having to file for bankruptcy after getting into a bad home loan.We then attempted to sell the house to break even with the bank, and finally get from under this house we had the bank provide 3 final payoff quotes, an amortization schedule to make sure that since the house did n't sell we are paying it off in a timely manner, and making sure that this is all good to go. Now 5-7 months after being approved for a modification, being provided an amortization schedule, and paying the mortgage on time ( as well as paying an extra $ XXXX/month which has to go directly towards the principle ), the overall loan pay off amount increased {$7000.00}. Here I am trying to do the right thing and budget accordingly and Wells Fargo how now claimed they made an error?! Although it is in the contract to be able to go back and adjust numbers if they made a mistake, this is now 4 months since we have been completely modified. It 's like the bank never wants me to be able to sell this house back and be able to pay them off. I am requesting an in-depth review of this account by the CFPB as this is absurd and unfair. I am looking for Wells Fargo to forward {$10000.00} directly towards the principle for their mistakes or I will be looking to take them to court. After having them look into this matter they said some money was missed placed in escrow that is there accounting error and my mother and I will not keep paying for wells fargo 's miscalculations after already getting the short end of the stick from the beginning with this bad home loan. 

Thank you,
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVEany 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. 
XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I signed an agreement with DebtBlue to help us consolidate our debt. We listed 7 accounts, the largest one being a XXXX XXXX XXXXXXXX credit card with an outstanding balance of {$13000.00}. As part of the agreement I make a monthly payment of {$390.00} for a total of 44 payments to an account at XXXX XXXX to pay for the settlements. This amount is based on what DebtBlue would require to settle all 7 accounts. DebtBlue has settled 5 of the 7 accounts listed in our agreement the 5 smallest accounts. 

On XX/XX/XXXX we received a summons from XXXX, so I immediately called to ask for their assistance. I was told to send them the paperwork, which I immediately did, but the company did not respond. I called repeatedly and sent several emails but nobody called me back. With only two days to go before the court hearing I finally sent them an email threatening to cancel the agreement and they replied via email that they had been unable to reach me so they left a voicemail and asked me to call them back to discuss my options. I finally called the lawyer representing XXXX and negotiated a settlement directly with them. I then requested that DebtBlue remove this account from the list and adjust the monthly payment to subtract this amount but their answer was that they would not change the draft amount due to me handling the XXXX account on my own so we can build funds and clear up the remaining accounts. Of course, they asked me to call them for any further questions. 

I am complaining because this company failed to represent me with the largest and most difficult account. They ignored my calls and emails and now expect me to continue paying the same amount even though I have taken responsibility for the largest account. I feel they failed to help me in the most difficult moment and now pretend to continue to take advantage of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

As an active credit user, I currently have several accounts on my credit report, most of which are positive. However, XXXX are negatives. Overall, I have a total of XXXX accounts that are active and XXXX are in good standing while XXXX are not. I make all payments on time and as of the third of this month, the information offered was still accurate. The problem is my credit score and despite the outweighs of positive accounts vs negative accounts, plus an account history that dates back to XXXX years, my credit score is relatively low. My current credit score as reported on XXXX XXXX is XXXX for Transunion and XXXX for XXXX while XXXX is reported as XXXX on XXXX credit journey. In my perception a score that fails to display my actual credit standing and one that robs me of lower interest rates or better credit deals. Ideally, a process that forces me to accept prime credit cards and high-interest rates despite my excellent credit history.
Product: Checking or savings account

XX/XX/2020 I authorized XXXX XXXX to charge my business debit Visa card for a purchase which was never filled. I waited weeks before giving up with the vendor and then contacted Bank of America to start a dispute. Dispute was opened first week of XXXX and was told a provisional credit would given while they investigate especially since I supplied proof of tracking info and that package never left there store. Few days go buy no credit, so j call then Im told that they would issue credit but I would have to wait 30-45 days for investigation to take place. 45 days come and I call and they say need to wait 60 days because Merchany hadnt responded. 60 days was on XXXX I called and they said that credit should be issued soon, few more days go by I call and now Im being told it was 90days to complete investigation new date is XXXX. I call on XXXX and they tell me it should have taken place just waiting on visa to reverse the transaction. BofA would follow up with me by the end of bussiness that day. I never got a call or email. I call again and after 2 hours on the phone i get someone that can look up claim and tell me that all the other reps misinformed me and that there is no time fram and that we just have to wait for the merchant to make decision on there end or respond to dispute. So hypothetically rep said it could take another few months or years. No guarantee even no Im the victim and have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

They had XXXX late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX Status : Collection account According to a publication of the Internal Revenue Service, Charge-off or Collection or XXXX or Cancellation of Debt are regarded as gross or ordinary income. 

Thus, XXXX or XXXX or XXXX or XXXX of XXXX, reported on a consumer 's credit report as debt or loss inquired by a business, is fraudulent and inaccurate accounting. As gross or normal income is not reported on the consumer report. 

Take Mandatory Judicial notice, 15 U.S. Code 1681e - Compliance procedures ( 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.

Take Mandatory Judicial notice, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} XXXX XXXX {$12.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Has violated my rights. XXXX XXXX XXXX XXXX Has violated my rights. XXXX XXXX XXXX Has violated my rights. 15 U.S.C.1692c A a debt collector may not communicate with a consumer in connection with a collection of any debt. 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: Debt collection

This company continues to call an harass me after I have told them that there is NO way that this account is mine. I have disputed this account numerous times and I have received absolutely no paperwork or any form of validation, even though they claim to have sent it. This account is not associated with me and this company has continued to annoy me with their voicemails regarding a debt that I supposidely owe and they use annoying machines to leave these messages. I have never even spoken to their agents. they only answered me when I brought my concerns to the CFPB and they are trying to scare me by quoting laws against me to intimidate me but I will not be intimidated. I doubt that Ad Astra follows the law, so I will complain until the federal government does something about their fishy tactics. They have nothing against me, I do not even know what they are calling about and I have repeatidly asked the credit bureaus and AD ASTRA to remove any derogatory marks off of my credit reports. They are damaging my credit and my life and they do not even follow any laws themselves. I have disputed this account since XXXX and I will only bring this matter to the CFPB until this obviously fraudulent account is deleted from all three of my credit reports. DO NOT CALL ME ANYMORE! You have surpassed your requirement to responding in the appropriate amount of time because I disputed this item in XXXX with your company. Why did you only respond on this portal. Also, I would like the CFPB to know that they have discussed the supposed debt that i " owe '' with my parents, who were shocked and hurt by their claims that this will continue to damage me until I pay. What is this company about!? I have placed a fraud alert on my credit report. There were fraudulent accounts opened at XXXX Bank under my name. So if this is another fraudulent account and you keep collecting on it and reporting to my XXXX credit repeorts then I will escalate this
Product: Mortgage

BSI Financial is my mortgage co. The CFPB filed suit on BSI and found them liable for mishandling of modifications, loss midigation ext. My mortgage was a XXXX XXXX loan and was heald by XXXX until XXXX  while I was in the process of a Help For Homeowners Hardships Modification FHA my loan was transferred to BSI. The modifications paperwork I signed was for a FHA HARP modification however BSI has my loan currently as a Conventional Mortgage and has charged me nearly {$20000.00} in fees and processing additional interest rates even the prior foreclosure, bankruptcy, modification processing fees even late fees that were occrued before the Modification was processed and applied. Modification fees, late feels previous deliquent charges have to be figured into the new loan amount of the modification, discharged or paid prior to the Modification closing. The law suit CFPB has and settlement against BSI is exactly what BSI did to my mortgage and I have struggled and suffer financially because of this. Furthermore the mishandling and false filing of my FHA loan to a conventional loan has caused me to not be able to modify my mortgage or use the covid relief aid available to FHA mortgages because BSI fraudulently altered my mortgage and did not file and process my HARP approved modification but processed my mortgage to a conventional loan instead. At the time of my modification HARP approval my mortgage was in default for almost {$17000.00} and my credit score was XXXX also my income to debt ratio was only eligible for a hardship HARP modification and barely qualifed and would never come near a conventional loan. BSI has caused me to loose more money and equity in my home than I can honestly put a dollar amount on. I have literally only been able to pay my mortgage and utilities because of this and am unable to modify the loan now or utilise my only available savings and assets the large amount of equity I have built in my home to live and prosper in life souly due to BSI mishandling my modification from a HUD mortgage to Conventional illegal loan that I can not refinance modify and barely survive paying. Please please help me I've contacted and done everything and anything to fix this for the last 3 years since I discover BSI fraudulently changing my loan classification. BSI says nothing is wrong and I need help please
Product: Credit card

The Chase XXXX XXXX XXXX XXXX credit card does not allow me to connect a bank account to the credit card account. Thus, it is impossible to make a payment using their online system. This makes it impossible to pay the balance on time. 

Secondly, the account login system does not recognize my login information, so I have to change my password every time I want to login. This makes it difficult and frustrating to log in to their system. 

They seem to be doing everything in their power to prevent me from paying my credit card bill. This feels unfair and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not properly investigating items being disputed on credit report. They haven't provided me with validation of debts per 15 U.S Code 1692g. They haven't provided me with validation of contracts from the creditors per 15 U.S. Code 78cc. Most importantly the violation of 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX  Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

This is an addendum to my contemporaneous record being recorded here. Currently, I am being blocked from not just logging into my Credit Karma Spend account but now they are saying they are having technical difficulties and it is blocking me from logging in all together via computer. 

I still have not received my forms via mail for disputing charges or my statements. 

XXXX**Keep in mind, that I do have more video evidence that I can send if I am emailed or contacted via ordinary mail, because the system here is funny and not allowing me to upload all the evidence that I have both in video and screen shots.