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

To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - 1986 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, FL XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX AV, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries have been added to my credit record. Resolve this under 15 USC 16c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name: XXXX XXXX XXXX
Date Opened: XXXX2016
Balance: XXXX

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

On XX/XX/ 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card

I 've been making payments to Capital One every month through my bank bill pay. My bank can verify payment was made and delivered on time to Captial One, however, Capital One sits on the payment for two weeks after reciept -- causes me to incur late fees. Ex. XXXX XXXX 2016 - XXXX sent my payment of {$200.00} to Capital One. The bill was due XXXX XXXX. I spoke to XXXX XXXX around the XXXX to ask why they have n't cashed my payment. They said they never received it, so I made a payment to avoid getting a late fee. On XXXX XXXX, they cashed the {$200.00} check. I feel I can prove they are purposely sitting on checks and not cashing them on time -- causing consumers to incur high late fees and automatic interest rate increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corporation / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XX/XX/2019. this issue was filed on the CFPB and the credit agencies last month and Nissan has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is XXXX calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If Nissan fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and i recently noticed fraudulent activity on my credit bureaus including XXXX. XXXX XXXX XXXX XXXX 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 card

My wife and I have a Citi Double Cash account opened in XXXX XXXX. In early XXXX XXXX a payment for the full balance was sent to Citibank. Payment was negotiated by Citibank on XXXX XXXX. We have the cancelled checks, one of which is attached. Then I began to get non-payment notices. We called to inquire. On the XXXX agent we talked to, we were told that payment was applied to an old account in my wife 's name that should have been closed a long time ago. They refused to send us a bill on the old account and refused to redirect the entire payment to the Double Cash account. They finally agreed to redirect that portion of the payment over the balance of the old account to the new account. However, I can not verify that this was done because my access to the website on my Double Cash account is blocked with a page saying payment is over due. Citibank had absolutely no authority from us to redirect payment and had no authority to re-open an old card in my wife 's name.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.
Product: Mortgage

My house is in Foreclosure and I was served the complaint on XX/XX/2015. I have XXXX loans on the property. XXXX has the XXXX main mortgage loan and Chase has the XXXX Loan. The house was in Short Sale prior the foreclosure started. I had XXXX contracts on the house for a Short Sale and XXXX would n't accept the offers so the people walked. XXXX offered me a DIL ( Keys For Cash ) I accepted the DIL offer from XXXX and moved out of the house on XXXX/XXXX/15 and turned the keys over to XXXX. THE HOUSE IS VACANT. Chase has a lien on the title and XXXX sent the approval DIL on XXXX/XXXX/15 letter the settlement of XXXX would go to Chase. I faxed the XXXX letter to Chase on XXXX/XXXX/15. Since XXXX/XXXX/15 I have called Chase every XXXX days since to try to get my loan resolved of going to the settlement department and each time I have called I have been getting the run around and no one is assigned to my loan to speak to about it. XXXX needs the wiring info to send them them the XXXX and release the lien. Chase keeps telling me I have to send paper work such as a loss mit package, hardship letter, bank statements and paycheck stubs. I advised them several times I do n't want loss mitigation as I am not living there and I moved into an apartment. Each time I call no one can tell me or advise who can help me. As a matter a fact several customer service agents advised me that there is nothing they can do for me and the loan is simply inactive. I asked them how did you come up with this theory that you ca n't help they said the supervisor told them to tell me that. I have escalated my calls and a supervisor at Chase to call me back and said I have to fill out loss mit papers and it can take up to a year for loss mitigation approval. I explained to them and faxed over letters I do n't want loss mitigation I do n't live there and there is a settlement from the first mortgagor. They advised that 's all they can do. They advised me and said XXXX is not good enough for this loan. I advised them under the XXXX XXXX Guidlines of the government for an approved DIL XXXX is what is paid to the XXXX lien holder. They advised to me still not enough and they want XXXX the amount of loan. In the mean time of all this there is an XXXX fee of XXXX I 'm paying on a house I do n't live in and I ca n't afford paying this due to the run around conversations I am having with Chase. I signed a 3rd party authorization for Chase so they can speak to XXXX XXXX at XXXX to get this matter resolved. XXXX XXXX advised me when she tries to call they refuse to talk to her because she is not on the loan but I signed a 3rd party authorization. The bottom line is since XXXX/XXXX/15 I have not gotten anything resolved issue with Chase and the several phone calls I am making and getting no where with them. I find this unacceptable and against the law for treating me this way and not helping me getting this DIL settlement resolved.
Product: Mortgage

i received my mortgage statement today noting that my mortgage statement has been changed out of the blue from XXXX to XXXX effective XXXX XXXX. I am current waiting on my recast to reduce my mortgage. I do n't understand why is it so difficult to give me my recast, It is just unbelievable that I have been trying to get this simple reduction since XXXX XXXX. Please explain this monthly increase.
Product: Credit reporting or other personal consumer reports

. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXXXXXX The inquiry was not authorized XXXX XXXX Also remove the XXXX XXXX XXXX XXXX  from my job history. I do not work there currently anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX and XXXX I signed up with lexington law for credit repair because i was told they were the number one credit repair service out there. i didnt like the start up fees but went ahead and continue witht them. The service and product they advertise was not what i was given and the process was so drawn out with continued monthly payments. After months of not getting results I cancel my service with them.
Product: Checking or savings account

I opened a checking account with OneWest Bank and enrolled in a {$250.00} promotional offer. In the offer, it states " customers who enrolled in any other OneWest Bank personal checking reward or bonus offer in the past 12 months are not eligible for this offer. '' The wording is confusing as it is not clear if the 12 months is determined by the date the account was opened, the date the bonus was received, or the date the account was closed. So I met with a banker at a local branch and had her check my eligibility. She informed me that the 12-month restriction is determined by the past accounts open date, not by the bonus received date or closure date. I had a previous account with One West bank that opened on XX/XX/XXXX, I received a bonus on XX/XX/XXXX, and then closed the account on XX/XX/XXXX. The banker checked my past relationship with the bank and confirmed that in my case I was eligible for this welcome bonus as long as I open an account after XX/XX/XXXX. Therefore, I had the banker open this account on XX/XX/XXXX, and I completed all requirements per the terms of the welcome bonus by XX/XX/XXXX. However, I did not receive the bonus so I contacted the bank and was told that I can not get the bonus this time because they determined my eligibility based on my past bonus received date. 

Apparently, the customer service team has a very different interpretation of the 12-month enrollment than the banker who opened my account and guaranteed my eligibility. I do not mean to blame the banker, she was very nice and helpful during the account opening process, but it was her false statement that led to me opening my account too soon and not being eligible for the bonus. It is unfair that I do not receive this bonus due to a banker 's mistake, not my own. Plus, the terms are not written in a clear and concise manner, which is confusing for customers as well as their own bankers, and I noticed in their latest offer has improved the words about the enrollment/eligibility so it seems they also realized their terms were misleading. Therefore, I am requesting the bank to provide me with a one-time exemption for this bonus and credit my account at this time. I would like to keep a banking relationship with OneWest bank in the future and intend to refer this bank to more friends.
Product: Credit card

I have a credit card with Synchrony Bank. Synchrony Bank has unjustly ruined my credit. Since, summer of 2016, I have had issues with receiving my credit card statements in the mail. I contacted Synchrony Bank to let them know that I was not receiving my paper statements. In XX/XX/2016, Synchrony representative suggested that I make on-line payments. I went ahead and followed their advice. Since, XX/XX/2016, there has been an issue with Synchrony Bank processing and posting my on-line payments through their website. I have been erroneously and unfairly charged outrageous fees because of such. Synchrony Bank has also sent my account without contacting me first to a collection agency. I have paid the collection agency the amount due with no issues. I would like for someone to look into Synchrony Bank 's practices. It seems through my research, I am not the only person having these issues with Synchrony Bank. I would like Synchrony Bank to remove all of their unjust fees that they have erroneously charged me as well as fix my credit report. Synchrony Bank obviously has an issue with their on-line payment system, as well as, incorrect mailing of paper statements to consumers. I should not have to XXXX down a credit card company to pay my bill, not to mention it is very difficult to get a representative to help you or even understand the issue at hand. It 's absolutely ridiculous, you are unable to pay this company.
Product: Credit reporting or other personal consumer reports

Hello i am having big trouble getting my credit report from equifax information services llc. I have tried through the website EQUIFAX provides on their website and it gives me an error BLNK and says to contact customer service to get a credit report. I contacted them previosuly and they mention all information looks good to go and i should be able to see it. I waited a month and tried once again but its still giving me a " technical error '' and sayign i need to contact customer service. CREDITORS OR MYSELF ARE NOT ABLE TO SEE A EQUIFAX CREDIT FILE AND ITS REALY CAUSING DISTRESS AND XXXX. I have a big long standing good credit file but yet it shows i have nothing on there. Once i contacted the equifax customer support team they informed me to mail in documents to prove my identity and my current address. I have sent those over certified mail in hopes of the issue being cleared. 

I am attachign documents to prove my identity and my current address
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting 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 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 : A consumer reporting agency can not furnish an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not mine. ( Acct No. XXXX ) But that is not the substance of this complaint. Experian representatives will not verify for me the exact name or Social Security Number under which this account is reported. Thus, I can not even verify whether or not there is some error. The representatives take the position, " It's yours, would you like us to dispute it? '' The real kicker here is that when I pressed them for the address under which the service was reported, or even a bill mailed to, they were unable to provide one because, I was told, XXXX  XXXX XXXX did not even report an address to Experian. It seems to me that this can not be legal. I would think that, at the least, the address would have to match something in a person 's credit file, but Experian evidently accepts negative reporting with NO address at all. So someone can just obtain electric service with a SSN and a name that approximately matches? And then the electric company can report bad debt and the credit bureau has NO obligation to even attempt to get the address associated with the service or, at the least, require that a creditor report an address where the bills were supposedly mailed? If this is legal, the law needs to be changed.
Product: Mortgage

I still have flood insurance on my mortgage that was fraudulently add by the lender Select Portfolio Servicing. I already filed a complaint with you and you closed it despite no resolution! Select Portfolio Servicing has not provided proof of the need for flood insurance on my property and they have not responded to the complaint. 
Why won't you help me? I've had XXXX other loans and neither required flood insurance on the property. FEMA said I don't need flood insurance. No one is stopping SPS from stealing from me! 
HELP me resolve this, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I had an account with them and i have never had an account with them. I have had the same number for years and have been with XXXX for years.
Product: Debt collection

Recovery portfolio is trying to collect a debt that is no longer valid in the state of California because of the 7 year statue of limitation.
Product: Credit card or prepaid card

In XXXX of XXXX, my home was burglarized and personal information along with account details, cell phone and other items were taken out of my home. I reported this to the police and credit reporting agencies. I also reported this to Commenity Bank/ XXXX and provided them with police reports. This creditor charged my account off and sold it to a debt collector. I contacted the debt collector and was advised they investigated and deemed my account as a fraud takeover and stated I was not responsible for the charges and that they are not reporting or seeking payments due to my account being fraudulently used. I contacted Comminety Bank/XXXX XXXX XX/XX/XXXX and advised them of what their debt collector told me. I spoke with an agent who stated her name was XXXX ID # XXXX. She said it wasn't anything she could do and that it will remain on my credit report because their files list it as a charge-off. 
Comminety bank/XXXX is still reporting the account as charged off and it is drastically affecting my credit report, and should not be reporting any charge-off as this wasn't due to my own doing. They refuse to remove the account and continue to verify the account as accurate according to their files, despite knowing the account was compromised through fraud.
Product: Debt collection

Hi there, XXXX XXXX XXXX ( XXXX ) tried to charge me incorrectly for a medical bill that I did not owe. I saw an allergist ( XXXX XXXX XXXX ) who falsely told me directly and through their staff that I would not be charged any amount ( even a copay ) if I took agreed to receive the XXXX XXXX XXXX. After a few treatments, I decided to call my insurance company to check and realized this doctor and his staff were incorrectly coding the bills they sent to insurance company. The insurance company put a stop to it and ended up only partially covering the treatment. XXXX tried to then charge me the copays but I told them that I was not responsible for the copays since XXXX XXXX and his staff falsely told me I was completely covered AND fraudulently used the wrong billing codes that I discovered. 

XXXX made me submit a few appeals but I never heard anything back and all of a sudden years later I get a collection agency ( JP Recovery ) call about this fraudulent bill.
Product: Credit reporting or other personal consumer reports

There is an inaccurate item on my credit report. This account is reporting false information and needs to be corrected on my report.