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

I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX  XXXXUpon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XXXX To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights.

15 US 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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2022, I paid off my credit card IN FULL. On XX/XX/2022, I received a {$4.00} interest charge on a XXXX balance. That is not how residual interest works. I took action and used the Bank of America app helpline and the automated system prompted me to call them and they gave me a number that led to NOWHERE three different times. Finally I got a different number for their credit card customer service line from XXXX and was put on hold for almost an hour. I am incredibly frustrated that this led to nowhere and it has only added more stress to my life and wasted my time. You can not let businesses get away with this. Its not about the amount they charged me, this is about principle. They are at fault for wrongfully charging interest on a XXXX balance, and even worse, they dont even have enough resources to resolve this in a timely manner for their customers. A multi-billion dollar financial institution! Why do we even keep our money with them?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is associated with cfpb report # XXXX whereby Mr. Cooper ' Home Rewards Credit Card 's account wouldn't credit my returned merchandise to the account balance. Each month I kept making principal payments, along with interest each month. All the payments were on Auto-Pay so that I wouldn't be concerned with missing a payment. 
After Mr. Cooper ' Home Rewards Credit Card received your report, my next statement showed a corrected remaining balance of {$26.00}. I believe in retaliation, the credit card company received a report showing this last payment as being over 30 days late, yet it was still on Auto-Pay. My credit rating dropped substantially. 
When you see the monthly payment scale for this company, you see flawless payments throughout it's history until the last payment of {$26.00} being over 30 days late. Remember, this last payment was on Auto-Pay also and I don't know how it can be over thirty days late. 
I disputed this to XXXX, but they ignored it.
Product: Mortgage

On XX/XX/XXXX my father was found dead in his home in XXXX. Has his eldest daughter the responsiblity fell on me to see that he was laid to rest respectfully, has a result i had to take time of from work take my kids out of school and go to XXXX to make the neessary arrangements. My father was laid to reston XX/XX/XXXX, however this event cause me to fall behind on my mortgage and other bills. Since then it has been very strenuous for me to get caught back up on my mortgage resulting in my action to file bankruptcy which was discharge. Upon my bankruptcy discharge i filed for a loan modification with my mortgage company whish was approved on XX/XX/XXXX. The aggreement was that i was on a trial period plan and that i must pay {$650.00} on XX/XX/XXXX ,XX/XX/XXXX and XX/XX/XXXX and when those payments are made they would send a some documents for me to sign that will finalize the loan modification. After making XX/XX/XXXX and XX/XX/XXXX payment on time i received a letter stating that i was denied my loan modification due to not signing the trial agreement. I call Ocwen to let them know that i didnt received any such documents and if i did why would i not sign it. I explain to them that this is my home and the only home my kid have why would i not sign that papper and send it back. I keep telling the man on the phone that i never received the document he then said to me that it shouldnt be a problem he reasure that all would be ok and that he will email me the form to sign and fax back to him which i did that same day on XX/XX/XXXX. I call back a few days later and i was told that i have to apple for the loan modification all over again which i did and i seem to get is the run around and no answer. Now i was summons a forclosure notice which im trying to get help with. At this moment i dont know what to do or where to go. Thanks for your time.
Product: Payday loan, title loan, or personal loan

I applied for a credit line on XX/XX/XXXX which was approved for {$100000.00}. I made payments on the account until XX/XX/XXXX, at which point I felt behind 2 payments. On the 3rd month I reach out to the service department of Bank Of America to make a payment in full for the amount due so I could bring the account to current status. At that point I was told that the account had been charge off with no prior notice ( no mail notice, email, or phone call ), And they had all my current information. I was told their was nothing they could do for me. The only thing I could do was to pay the amount due in full {$100000.00} and that wouldn't even remove the charge off from my credit report. I have tried to make arrangements to correct this account on my credit report and bring the account to {$0.00} balance but they refuse to work with me. The only answer I heard from them was we can't offer you a settlement, you must pay the full amount, but we can't remove the charge off from your credit report. The last time I reach out to Bank of America I even requested to speak to the person in charge of the financial department to see if I could get a settlement and the answer was the same ( WE CAN'T DO ANYTHING FOR YOU, YOU MUST PAY THE AMOUNT IN FULL ).
Product: Debt collection

PLEASE BE ADVISED RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES ON MY ACCOUNT. THE BELOW ACCOUNTS LISTED ARE HURTING MY ABLITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESES ITEMS FOR ME TO ENSURE ACCURACY. PLEASE HELP ME WITH THE BELOW LISTED ACCOUNTS!!!!!!! I HAVE FILED A CONSUMER COMPLIANT AGAISNT THE LISTED COMPAMIES BECAUSE OF THIS INFORMATION THAT IS HURTING MY CREDIT AT THIS TIME SO THEY CAN ALSO INVESTIGATE THE ACCOUNTS being reported twice by Capitol one same account on my credit report account # XXXX and they are reporting same account with different dates and amount on same acct
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.
Product: Checking or savings account

This us my second time filing a complaint against this company over 6 months ago I opened a dispute and the associates closed my dispute claiming merchant submitted a refund for merchandise on never received and that was a blatant lie! I showed proof and submitted this to Dave bank and they're still giving me the run around. This bank shouldn't be in business
Product: Debt collection

XXXX were the last days I tried to get this issue resolved with them Last two weeks in XX/XX/XXXX called them almost daily MidlandFun also reported as Midland Funding has reported and acknowledged misleading information and two different account numbers for the same account to my credit file for all three credit companies the original debt to XXXX  was XXXX Midland bought the account which I have no contract with. 

XXXX  & XXXX  has an open date of XX/XX/XXXX then again XX/XX/XXXX last reported XX/XX/XXXX owed amount for {$2000.00} XXXX has same account different # and amount open date of XX/XX/XXXX of {$1700.00} last reported XX/XX/XXXX I've disputed on credit files several times and have talked with several reps at Midland the last one said he would resolve issue and fax over documentation which has not happened I'm currently applying for a job and this is killing my credit score
Product: Credit card or prepaid card

On XX/XX/2018 a netspend rep informed me that my account was eligible for the XXXX fee plan and provided a credit to my account on the XXXX that was charged. Netspend has continued to charge me a XXXX fee for XXXX and XXXX. A netspend manager acknowledged I was told the fee would be XXXX but has refused to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This claim is towards Experian ; XXXX. XXXX XXXX, XXXX, TX XXXX. I have tried multiple times contacting Experian that the account XXXX XXXX XXXX is due to be deleted from my account XXXX XXXX, They " Blocked '' me from disputing this account online saying that they were n't going to review it again when " CLEARLY '' they are in the WRONG!! They should not block customers from disputing items especially when they do n't " SHOW '' any " PROOF '' of their findings. They are so " QUICK '' to say that the account is " VERIFIED '' but they refuse to show you how the account was verified. That action in itself is " POOR '' business. According to a credit  report that I have from them it says the account is due to come off XXXX XXXX. The other two credit bureaus XXXX XXXX XXXX XXXX XXXX have already deleted the account but Experian refuses to.
Product: Debt collection

Hi, One XX/XX/18 I underwent a XXXX. I received a letter from XXXX XXXX XXXX regarding my dues and I paid them in full. 

Recently I received a call from the Rash Curtis and Associates ( collector ) regarding the balance due ( XXXX ) for that XXXX. I was told that the XXXX XXXX XXXX are separate and their bill was different. I called them and ask why I did not receive the bill and I was told that their address was incorrect. They did not include my apartment number and that is why I did not receive any letter. They collected the address from the XXXX XXXX XXXX and did not try to reach out to me ever to get the amount paid. 

I called the XXXX XXXX XXXX to pay them the bill directly but I could not because the billing department already sent it to collection. 

I can not use my XXXX card for collection and I do not want to pay extra money ( interest ) because they did not send the bill to the right address. 

Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as Experian continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but Experian will not update the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting an FCRA violation on my credit account with XXXX ( See attachments for account ). XXXXXXXX XXXX XXXX This is a violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my credit report is evidence of that claim. Please see attachments for screenshots of reporting account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX ( finance ) pulled credit report fraudulently. 
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Product: Checking or savings account

In XXXX my account with TD bank became frozen. I contacted the customer service department and they told me my account was closed after I made a deposit totaling over {$1800.00}. I was in the process of getting married and did not have the time to directly deal with it. After returning from my honeymoon in XXXX I contacted customer service and they informed me that my account was closed but to receive the balance I had to go into a branch and they will cut me a check. I went into a branch in XXXX and requested the balance. They told me that the de-marketing department needed to unblock my account so they can cut me a check and it should take 1-2 days. It's now been over two weeks and many contact to customer service and the branch but I still have not received my balance even though my account has been closed for over 3 months.
Product: Credit reporting or other personal consumer reports

I am writing you as the Beneficial Owner of the reporting account, chose-in-action with you as the National CRA and reporting unlawfully converted chose-in-action accounts with the data furnishers, each associated with my social security administration card number, you are the resulting trustee based on the maxim a trust will not fail for want of a trustee. Meaning you are the trustee by default without the need of a formal appointment. As fiduciary, I am witnessing you aiding, abetting racketeer-influenced corrupt organization data furnishers involved in involuntary servitude, peonage, and debt bondage with unfair and deceptive trade practices in violation of the XXXX National Defense Authorization Act. CRAs, like many organizations with user, terms of use, account, and any other public-facing agreements, are crafted and executed by the unauthorized practice of law by a corporation or trust as a systemic-wide custom. 

As fiduciary, you have not held up to the duty of loyalty, prudence, and disclosure. 

Currently, there is a breach of good faith and fair dealings with your implied agreement for the use of my personal private information, a breach of trust, a breach of fiduciary duty, and a conflict of interest between you as fiduciary and myself as the beneficial owner of the account. The estate nor beneficial owner of the reporting account benefits from your adverse reporting of any detail, other than paid as agreed or paid-in-full in the revenue-generating reports sold to members and subscription holders known as data furnishers. 


12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX  Failure to block/remove specific adverse information such as payment status is a violation of the FCRA Section 605C.
Product: Mortgage

The Lender - East West Bank, XXXX. and its management XXXX XXXX and XXXX XXXX retaliated against me for filing a complaint of discrimination on my mortgage loan account last year and filing an civil action thereafter. In XXXX XXXX and continuing to-date the company and persons shown above assisted by ex-boyfriend XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX in having my XXXX ( XXXX ) year-old daughter XXXX XXXX XXXX from my home and placing her in XXXX with the XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Upon completion of the XXXX they caused the related court attorneys and Judge to transfer the custody of my daughter to XXXX XXXX. As a result of their actions me and my daughter have been severely harmed as we are not alienated from each other and she can not come home to me. They also limited our visits to see other. From what I know now, the Bank/mortgage lender and its management may have caused my ex-boyfriend and other persons/tenants to target me as they all know each other and the property is now owned by them along with the bank management or associates of the same. The property amounted to more than {$5.00} XXXX dollars. Additionally, me and my mother have been physically harmed as a result of their intrusion even though the police authorities have failed to investigate the matter and mislabeled it as me " having an XXXX '' along with my ex 's attorney XXXX XXXX. It appears that there has been an increased trend in this method of attack on the debtor 's family to steer them from continuing to handle the mortgage payments/prosecute wrongful foreclosure. Additionally, it appears that persons hired by them have caused for the taking of financial records to examine the financial ability of the clients to overcome the foreclosure and allegations of mortgage lates. Finally, XXXX property located at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX was foreclosed upon and I was wrongfully charged with a {$4000.00} appraisal and other charges of more than {$10000.00} without warrant, and management was associated with the buyer who cancelled escrow leading to the property foreclosure. Finally, the bank 's management caused for an intepleader action to be filed so I would still incur attorney fees from the proceeds of the foreclosure sale. To-date the funds left at their disposal even after XXXX XXXX XXXX XXXX or more months following the foreclosure.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Payday loan, title loan, personal loan, or advance loan

I have a buy now, pay later loan through Affirm for monthly installments of {$45.00}. I recently have had some financial issues and missed my payment due on XX/XX/2023. I only have my mobile phone number on file with Affirm. 

Since XX/XX/2023, Affirm has texted me 11 times and called me 28 times within a 10-day period. This should be considered harassment and a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries from taking in the month of XX/XX/year> ( XXXX, XXXX ) from a variety of auto lenders. These inquiries occurred in XXXX. I do not live in XXXX, nor have I ever lived in XXXX or attempted to buy a vehicle. Please help remove these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Cosmo Credit Repair ( XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX ) in XX/XX/2022. They promised to remove negative items from my credit report got the amount paid. They stated that I had to pay upfront for them to begin filing disputes on my

credit report. Over the last three months, Ive seen no deletions from my credit report as they promised. I requested a refund and was told credit repair takes up to six months to see any actual changes. After going to the CFPB website,
I realized that I was NOT supposed to be charged upfront and that it is illegal for these companies to do so. To this day they have taken over {$1000.00} from my bank account! 

After speaking to the representative at CFPB, this complaint is the first step in the process of reporting this company. XXXX XXXX XXXX is now disputing and has put a stop payment on any transactions from this company. Per the representatives instructions, I plan to submit a police report and file a report with the Texas Attorney General and FTC.
Product: Mortgage

Reference complaint XXXX, this is an addendum to same ; on XX/XX/2018, a representative of XXXX XXXX XXXX XXXX called to " Discuss '' the aforementioned complaint. I told the representative I did not want to discuss the matter verbally but instead have all correspondence to be " Written '' and please not call. The representative immediately said " Then you want no further contact from this office? '' I again said No that is not what I said and repeated I wanted only written correspondence for this exact reason. The representative was not respectful in any way to my self. He was not respectful to the process nor did he seem concerned with any possible ramifications of my allegations against XXXX XXXX XXXX XXXX. I believe the representative called so that he might relay to the CFPB that the " Issue had been resolved '' by virtue of just calling and nothing could be farther from the truth. The rep acted annoyed at having to call.