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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately.
Product: Mortgage

I did a refinance in XXXX of XXXX, to get a better rate and lower payment of {$970.00}. I got both up until they messed up on the escrow account, and in XXXX of XXXX they went up on the payment by {$92.00} per payment. Now the main complaint. In XXXX of XXXX they disbursed a payment to another customers account for insurance to the amount of {$1200.00}. It again threw my escrow account into a tail spin, so they have now increased my payment again by another {$150.00} per payment. I have called them repeatedly and they say they see the issue and are trying to get it worked out. Just to mention that it takes over an hour on hold each time I try to get an update. I held the line for over two hours on Monday XX/XX/XXXX and finally gave up, which brings me to you. In the mean time, I have a payment due in this larger amount and am waiting to pay until they get this straight. I have never been late and need to get this resolved. HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is XXXX XXXX and the original creditor is XXXX  XXXX. The amount is {$460.00}. This debt had previously been reported by XXXX XXXX  starting in XX/XX/XXXX. XXXX XXXX is reporting this as a new collection. I contacted XXXX on Monday XX/XX/XXXX in order to have them fix this information and they said because they just received this account it is a new collection. I contacted Experian and XXXX on XX/XX/XXXX to have them look into this information and they told me they could not help me. On XX/XX/XXXX I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped XXXX points for this account and wrong information.
Product: Credit reporting or other personal consumer reports

I am revoking all rights and I am opting out immediately as a federally protected consumer. 

I am requesting the removal of all personal information. I have non mailable addresses on my credit report that needs to be removed immediately. 

Current address ; XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, Transunion and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, XXXX  and tranasunion change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance
Product: Debt collection

Aldous & Associates called me unprovoked and refused to state their reasons for contacting me. They gave me no confirmation of who they are, I have received no written notices or any other form of communication. While trying to understand the nature of their business, 3 different call receptionists hung up on me. I work in a highly regulated industry and understand my rights and the regulatory necessity to state the purpose of a call, especially when attempting to collect a debt in XXXX. After doing much research it seems they are debt collectors who like to use the guise of a law office.
Product: Mortgage

We received the last real update on our loan modification review on XXXX. That update was a list of needed documents. We sent all requested documents on XXXX and then on XXXX. On XXXX, we spoke with XXXX and she confirmed that the documents were received and were pending review. We then spoke with someone XXXX, XXXX, XXXX, XXXX and twice on XXXX. Each follow up call, we requested for the file to be escalated to get an update. Each rep that we spoke with stated that there were no notes in the system regarding the review since XXXX. There is now a sale date for the property on XXXX. We need a response ASAP. The loss mitigation department that this lender uses is XXXX that several other mortgage servicers use. They are absolutely terrible. This issue is XXXX that is common across the board when it comes to assistance reviews. They take months and months to provide updates. They ask for documents that do not apply and that fact is clearly already shown on the documents already submitted. There are nothing but complaints for that loss mitigation company. Please get this resolved for us before the house sells!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX, XXXX To the violators : All credit Reporting Companies and XXXX XXXX XXXX , Ceo of XXXX XXXX XXXX , I am writing to formally notify you of an estoppel regarding the above-partial referenced accounts. Based on the following grounds, I assert that your business XXXX XXXX XXXX is estopped from pursuing any further collection actions against me : 1. Remove your report on my accounting history immediately you are to proof of credit Application applied/Approved to you Directly from the beneficiary.

2. The beneficiary relies on the consumer credit report to monitor my consumer credit transactions, not third party investors on my Private Banking statements. This is a direct violation to my FCRA Rights to Publish ANY PRIVATE Banking Statements to Public Accounts. Per XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX the proposed Creditor over the Account is in fact a Broker-Dealer registered under the SEC. The Companys Primary Clearing Broker XXXX XXXX XXXX XXXX ( XXXX ) has a Piggyback Relationship for Clearing and Custody with The Creditor in Question. XXXX Bundles and Trades the Notes from other Entities and Routes them for Custody and Clearing. The Company Doesnt hold any Beneficiarys Funds or Securities and promptly Transmitted the Beneficiary 's Funds or Securities to the clearing Broker-Dealer for Resale and Underwriting.

Given these circumstances, it would be unjust and inequitable for XXXX XXXX XXXX to continue to assert this debt If a XXXX XXXX is not under an obligation to do something, equity assumes they intend to fulfill it. I have never signed an agreement with. If a wrong has occurred, there should be a remedy available to address it. The individual is also a consumer with respect to the other financial institutions involved. An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan. An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended. I have no record of application for credit From XXXX XXXX XXXX. The Beneficiary does not, however, have a continuing relationship with you if : XXXX XXXX sold the beneficiary 's loan account and do not retain the rights to service that loan ; Nor does the Collection Agent ( XXXX XXXX XXXX ) have a right to collect. 
The sale constitutes paid in full and the account is in FACT CLOSED. This Private Data Should not have been leaked in anyway. Nonpublic personal information means : Personally identifiable financial information, that is derived using any personally identifiable financial information that is not publicly available. Payments and partial Account numbers traced back to a CLOSED ACCOUNT. initial notice to a consumer is not required When : You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

This is an issue with the Goldman Sachs Apple Card. They are charging me for two monthly installment purchases I put on the card, when they should only be charging for one. These two installments are tied to two XXXX purchases I made. The first XXXX was returned in mid-XX/XX/XXXXXXXX ( Apple confirmed return receipt ), yet I'm still being charged for it along with the second XXXX I purchased. I contacted them on XX/XX/1920 via chat and got bounced around from Goldman to Apple multiple times so I finally called Goldman Sachs. When I explained the situation they said they were submitting a " case '' but could not provide a case number. Two weeks have passed and now I'm about to get charged again.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information listed on my credit report as provided by your bureau. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable .Accounts in Dispute : XXXX  XXXX XXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Paid Charge Off '' ) Payment Status : Reported as " Payment after charge off / collection '' - this is inaccurate as the account has been paid off. 
Last Reported Date : XX/XX/XXXX ( This is outdated and should be updated to reflect current status ) Comenity BankXXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Charged off as bad debt '' with accurate past due amounts ) Payment Status : Charged off as bad debt is misleading as I have made payments towards this account. 
Last Reported Date : XX/XX/XXXX ( This should be updated to reflect the most recent activity ) XXXX  XXXX Account # : XXXX Account Status : Closed ( the status should indicate " Settled '' given the settlement accepted ) Payment Status : Reported as " Payment after charge off / collection '' which is misleading as it reflects negatively despite the settlement. 
Last Reported Date : XX/XX/XXXX ( Should reflect the current status ) FCRA Violations : The inaccuracies mentioned above constitute violations of the FCRA, specifically under 1681s-2, which requires furnishers to provide accurate information to credit reporting agencies.

Additionally, under 1681i, I am entitled to an investigation of these disputes and a timely response.

Compensation for Violations : Due to the inaccuracies and the potential harm to my creditworthiness, I am requesting compensation for the violations : XXXX XXXX XXXX : {$1000.00} ( inaccurate reporting ) Comenity Bank/XXXX : {$1000.00} ( failure to update account status ) XXXX  XXXX : {$1000.00} ( misleading payment status ) In total, I am seeking {$3000.00} for the violations associated with these accounts.US Codes Referenced : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681i - Procedure in case of disputed accuracy I request that you investigate these matters and provide me with a corrected copy of my credit report reflecting the accurate information. Please complete your investigation within the 30-day timeframe as mandated by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

I noticed over {$20000.00} worth of fraudulent charges on my credit card with Citi Bank. I immediately contacted Citi to report the fraud. The charges were made on XX/XX/XXXX and I reported on XX/XX/XXXX. I closed my card and they issued a new card. 
The charges were made to XXXX XXXX and XXXX XXXX XXXX XXXX. I did not receive any fraud alerts from Citi nor any calls to approve these transactions. 
Citi refuses to provide provisional credit. They state they do not have to provide provisional credit for fraud disputes. My card is at it's limit and I can not use my card. 
It is my understanding that Reg E requires them to issue provisional credit with in 10 business days of notification. Their response is that they do not provide credit until after the 60 day review period. 
I am being denied access to my credit card usage because I am over my card limit because of these charges. My credit score will also be adversely impacted because of the high amount of unsecured debt.

I have called Citi several times a week and have answered all of their questions including on XX/XX/XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 us 1681a2 stating you didn't give written permission to have those accounts furnished on your report
Product: Credit reporting or other personal consumer reports

Westlake Portfolio Management sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile Westlake Portfolio Management can not Validate the debt at this time according to Westlake Portfolio Management. A Cease and desist was placed on the account. Westlake Portfolio Management are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, Westlake Portfolio Management can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by Westlake Portfolio Management, no remarks or inaccurate reports should be placed on my credit report.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my account which violates the Fair Credit Reporting Act ( FCRA ). The accounts that are reporting inaccurate information are listed below : XXXX  XXXX : Account Number XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Experian to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account. 

XXXX  XXXX : Account Number XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Experian to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account.
Product: Credit card

I was assessed a penalty fee for a late payment in XXXX of XXXX. Citi has not removed the penalty rate as of XXXX XX/XX/XXXX without any further late payments. They are unable to remove the pricing issue.
Product: Credit reporting or other personal consumer reports

I've decided to pull all XXXX credit reports. I'm looking for errors that needed to be fixed. Inaccuracies on collection accounts and uh, I was able to go on annual credit report.com and requests XXXX out of the XXXX credit reports. My last credit report was TransUnion. And on annual credit report.com I was not able to. I'll tell you a copy from them. Because they had a problem with confirm in my identity so I logged into their website myself and went to. I'm trying to attain a copy there, but there was not a credit report to be seen. I've spoken with them through chat. And over the phone regarding this issue, and i'm getting the same results, which is, i'm not able to get a copy of my report because I have a active dispute
Product: Checking or savings account

My account was compromised by someone who I thought was close to me, my card was stolen and fraudulent checks were deposited. Funds were taken out. At first, when I first spoke to security, they closed my 3 open accounts and opened me new ones. Majority of my funds were placed back into my accounts ( XXXX ) I was missing XXXX. I went into branch to pick up my debit card, and asked about the left over funds I was missing : they then resubmitted a fraud claim that was denied and now I have been deemed responsible and they took back the funds they originally gave back to me.
Product: Debt collection

They called me at XXXX XXXX XXXX XXXX which woke me up. I was in an absolute state and did not wake up in time to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian requesting investigation of certain accounts that were incorrect or inconsistent with other credit reporting agencies. I sent a letter on XX/XX/XXXX requesting them to send me their methods of verification for these accounts. Experian decided to open a dispute instead and update the information without showing me the methods they used as requested. They did not only ignore my request for method of verification but they also neglected to respond in the 15 day time frame the letter was sent on XX/XX/XXXX and was not responded to until today XX/XX/XXXX. This company has violated my rights and have defamed my name if you can not verify the information you are reporting you must delete the accounts. I believe that Experian is choosing to ignore my request and violate my rights purposefully. I truly believe they have been stalling due to lack of information. Please investigate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX - XXXX XXXX/XXXX/2015 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Account # XXXX SSN # XXXX I requested to upgrade store card to visa card and call center agent advised me re apply again to get a visa card.I did applied again on XXXX/XXXX/2015 and I got approved another store card credit line of {$2500.00} ( Last XXXX account number ending XXXX ) After I contacted call center again they said they given wrong information for re-apply new account. 
I advise them please combined my limit up to {$5000.00} and closed the account ending last XXXX number XXXX. And they agreed removed hard inquiry on XXXX/XXXX/2015 and as well as removed accounts ( # XXXX ) Major Credit bureau files. 
Right now I can see credit department closed my account ( # XXXX ). Still hard inquiry and accounts remains my credit Bureau files.No credit Llimit combined and no upgrade card to visa card. 
Please resolve my issue as soon as possible. 

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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of no.n-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act. In light of above information, the credit reporting agency is unlawfully reporting information violating my federal rights. The dates are XX/XX/2022, XXXX, XX/XX/2022XX/XX/2022