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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score and has been hurting my ability to obtain credit. I also need to refinance my vehicle because I am getting drowned by the interest rate. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you can not provide this information delete this account immediately. Please send me an updated copy of my credit report after your reinvestigation. 


Account name : XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

In late XX/XX/XXXX, I received a letter from Bank of America alerting me that my Credit Limit had been decreased from {$4000.00} to {$2200.00} due to a delinquency in the account. I was extremely confused by this as the payments are automatically sent every month by XXXX XXXX XXXX. I called Bank of America and was informed that the account was considered delinquent because my last payment was late and I was hit with a {$27.00} late fee and they are unable to waive the fee. The agent I talked to stated that the due date was on the XXXX for that month. Normally the due date for Bank of America is on the XXXX. There was no holiday or any reason for the due date to have been moved that month. The agent was perplexed by this and could not offer a reason why the due date was moved up. 

By having the due date moved up ( without consent ) my payment was considered late which triggered a late fee and made the account delinquent per Bank of America. This also caused the account 's credit limit to be sharply cut as well. BoA has offered very little to assist in this and I am submitting the complaint to the CFPB as the due date should never have been changed and was utterly unacceptable.
Product: Debt collection

Debt was created under unfair practices of case mismanagement and lack of timely communication and correspondence. Debt was not created by me and I dispute the validity of the debt. The lack of business ethical business practices and lack of integrity from the office staff in my experience shows that this debt is unfair and wrongly created to save face by the same office staff who did mismanaged my case. Consumer reporting practices did not allow me to exercise my consumer right to request the removal of debt at my request, rather than to continue reporting the debt based off of third party reporting practices. I did not report this information or debt directly to the reporting agency and have seen some reporting inconsistencies in my credit file.
Product: Prepaid card

I receive a monthly social security benefit check of {$740.00} direct deposited to Direct Express. Starting XXXX/XXXX/2015 through XXXX/XXXX/2015 my card that was provided to me through Direct Express, card # XXXX would not work once I put it in an ATM machine. It stated the card was invalid. The last time I used the above card was the first week in XXXX of 2015. I have not used the above card since the first week in XXXX nor have I authorized anyone else to use the above card, nor have I requested a new card between XXXX. A new card was obviously issued through Direct Express without my authorization. I have contacted Direct Express on several occasions and have provided them with notarized statements and affidavits that I did not authorize them to issue a card and have requested them to refund my money that they issued to someone else without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have found errors in current report from XXXX XXXX XXXX act # XXXX. I need to fix issues that's impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last XXXX I filed a complaint to my investment accounts bank ( Chase ) in which the brokers would buy and sell stock in various companies and only buy 1 or 2 shares at a time per day and do so for the 30 or so companies and charge me {$650.00} per month to do this. This has gone on for over 7 years. I again filed the same complaint last XXXX, XXXX and the Chase bank froze all my accounts, an IRA plus the brokerage account plus another account in which I directed the buying/selling stock. They also froze my checking and savings accounts and canceled my Debit and credit cards. This all happened XX/XX/XXXX leaving me with zero access to my funds to even purchase the basic necessities of life for 15 days until I received a cashiers check for the value of my checking/savings accounts on XXXX, XXXX. I am using another Bank, XXXX XXXX, to get my ( 3 ) three investment accounts, my IRA with XXXX shares XXXX, another account with various stock with XXXX, XXXX shares, XXXX with XXXX shares and various other stocks. The third account had XXXX or so companies stocks in which the broker cashed in the stocks without my permission causing a problem with IRS and as of this date XX/XX/XXXX I do not have control of my investments and am charging Chase with violating my 4th Amendment rights, no seizures without due process of Law. I want the name of the person ( s ) who created this seizure and to sue them for this malfeasance, theft, fraud and the 4th. Also, the said broker ( s ) lost over {$20000.00} last year alone in bad investing and tried to hide said errors in documents which are NOT available to me at this time, this has also been going on for several years including an IRS paperwork errors in XXXX in which I only had access to one investment download for doing my XXXX taxes when there were three accounts reported to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i never applied for it. I believe that somebody used my personal information and applied for this company.
Product: Mortgage

Made complaint XXXX XX/XX/XXXX on mortgage company XXXX has a service rating of exceptional poor or one star. There have been class action on their escrow service and failure to pay insurance. 
My complaint logged XX/XX/XXXX about their escrow account reimbursing home owner insurance before a proper audit was conducted in XXXX. The reimbursement was sent to me in XXXX. Which then caused a shortage and a proposed increase on the mortgage payment from {$1300.00} to {$1500.00}. I paid my county taxes had sent the mortgage payment of XXXX for XXXX payment which they received. I called XX/XX/XXXX to tell them the county taxes were paid XXXX and that I was dropping the mortgage to just mortgage and principal which comes to {$1000.00} for XX/XX/XXXX. I was told that there was a minus XXXX on the escrow account which didnt make sense seeing that the payment coupon sent for XXXX didnt not show a negative balance but a balance ( XXXX ). 
I had a heated exchange with the company and stated that there was no way it was short especially have the recent they received. The stated it is in suspension balance because the payment of XXXX wasnt received and that a late payment will be applied after the XXXX of XX/XX/XXXX. 
I was told until the escrow account is on a positive balance then it will sit in suspension even after they had received the XXXX payment. I had given them the county tax account number XXXX and receipt number XXXX to show the taxes were paid. 
I didnt enter into a mortgage agreement with Pennymac it was assumed shortly after XXXX XXXX signed it with me. My first dealings was XXXX of last year with Pennymac by constant phone calls which I dont take because of my XXXX issues. I finally relented and called to see why the were calling and blowing up my phone. They stated that my mortgage payment had gone up in XX/XX/XXXX and that it was sitting in suspension and wanted almost a XXXX dollars increase to the payment. They said that they would take it over the phone to make the payment current. I asked for the address and asked why I had not been notified in writing, they stated all correspondence had been sent back. I told them I had not sent it back then asked for the address for which the sent correspondence. It turned out it was my physical address which I dont receive mail at but all correspondence goes to a XXXX XXXX XXXX I sent them a check for the amount requested but they still made a 30 late payment on the credit report even tho I have my bank electronically transfer money from my account and check mailed to their address. Now this mess again and I dont trust their accounting seeing it was their improper audit that screwed up the escrow account.
Product: Bank account or service

Please direct this to XXXX XXXX XXXX office, executive board at Chase. The USDJ/FBI has background, XXXX, IRS estate tax proceeding obstacle as to why my XXXX lifetime credit score was impacted, beyond control. Very complex. 

Recently, opened a Chase Account -- Intend to make good XXXX day. I have appreciated the credit card for personal, trust and businesses. Wish to restore honor, now and to the future. 

QUESTIONABLE CHASE EMAIL : This morning, an insufficient funds notice was received -- XXXX -- XXXX/XXXX/XXXX. 

I went to check an ATM -- plenty of funds. 
Hundreds. I carry figures in my head -- along with on-line banking. Daily, I know how much approximately is in approximately XXXX business or trust/ personal accounts. It may be that Chase is too slow at registering deposits as it appears this is a real error on Chase 's calculation -- which may XXXX day clear. Today, plenty of funds. No reason for the insufficient funds email. 

I believe that Chase downloads with many transactions that can be pending for days, to include cash deposits could be greatly improved in speed. 

This has happened at Chase Prospect/ database, as well as in XXXX XXXX I believe that, as an example, if a client withdraws {$100.00} cash from the ATM -- overnight calculation is quick enough across the board. It seems that when the statement of XXXX last transactions is printed sometimes at the ATM, there could be a list of " Pending Transactions '' that one would have expected to have cleared days, maybe even a week or more ago. This may be a setting in the computerized system. I enjoy having the convenience of several bank accounts, with different banks.
Product: Debt collection

XXXX XXXX has been trying to collect a debt not owed for a year. I send them the receipts and they still pass my info off to a new debt collector each time. I have had to remove this from my credit once before and filed a complaint against them yet they persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.
Product: Mortgage

We have been slow pay on our mortgage due to medical problems and expenses ( my husband is a veteran ), but all payments were paid within the month due with usps receipts to verify. The mortgage company says we are 45 days delinquent. We owed XX/XX/XXXX and I paid it today, but they show we owe XX/XX/XXXX,  even though their website shows it paid. Also, they did not apply the payments as directed & I have copies of my records for that. Below are payments : XX/XX/XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX transferred to Specialized Loan Services, LLC I called on XX/XX/XXXX to get the new loan numbers so there would be no mixup. 
DUE DATE MAILED USPS # AMOUNT PAID on Principal AMOUNT SLS APPLIED XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} # XXXX Late Fee Paid {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1100.00} XXXX Transaction # XXXX Late Fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} Label # XXXX Late fee paid {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late fee paid : {$5.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXXLate Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX Late Fee Paid : XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1200.00} # XXXX Late Fee Paid : {$1.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} Paid online Confirmation # XXXX Also, they show us late 9 times on our credit report and refuse to fix it.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen, My name is XXXX XXXX. I settled my account ( XXXX Credit Card ) with a Debt Collector. XXXX chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with XXXX and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.
Product: Credit reporting or other personal consumer reports

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 

Subject : 605B Dispute of Fraudulent Information Dear Representative I am writing to dispute inaccurate information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). and the information listed below is a result of fraudulent activity and I will like if it can be removed from my credit report. 

The disputed information includes the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to FCRA section 605B is illegal to report information on the consumer report without permission from the consumer. Can you please remove this Account Thank you. 

Please investigate this matter and remove the fraudulent information from my credit report. I would appreciate a written confirmation of your receipt of this dispute and the actions taken to resolve it. 

Under Section 605B of the FCRA, you are required to block the reporting of the disputed information upon receiving my dispute and supporting documentation. If you have any questions or require further information, please contact me at the phone number or email address provided above. This account was removed from other credit agencies Thank you for your prompt attention to this matter. 


XXXX XXXX XXXX.
Product: Debt collection

Several attempts to contact the Advantage Group regarding alleged debt collection accounts which are appearing on my credit reports. All correspondence sent to Advantage Group is via US Certified Mail. Despite having received my correspondence this company fails to reply. Despite the collections accounts not being verified, I 've attempted to expedite deletion of these accounts by offering to settle. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( equifax and XXXX ). This is a violation of FCRA and if XXXX XXXX XXXX violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Product: Credit card

My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was generated by Experian on XX/XX/2020 for a closed account according to my Experian Credit Score account. When I disputed this, Experian not only took off the closed account, but took my credit card account off of my Experian credit score account as well. Now my credit score account says I have 0 open accounts when in fact I do have a checking, savings and credit card account all with XXXX XXXX XXXX. And XXXX also told me Experian isn't letting them pull up any of my information to fix the fact I can't check my credit score on XXXX. When I try checking my credit score on XXXX it says " unavailable at this time. '' To conclude my complain/problem I need Experian to put my open account back on my Experian Credit Score account so I can continue increasing my credit and I also would like my credit score points from the duration of my open account not being on my Experian account to be reimbursed and Experian also needs to fix XXXX so I can check my credit score on there again. Sorry for any inconveniences, but I have sent several emails and made several phone calls and still have nothing resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 
In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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: Student loan

XX/XX/XXXX, I filed a complaint against the NJ Higher Education Assistance Authority with the CFBP for the failure of their collection firm " The Law Office Of XXXX XXXX '' to supply me with any type of receipt of payment. I also believed at the time, that the amount being reported to the credit agencies was incorrect, due to the fact that it differed from the amount being paid to the firm each month. The State looked into it. and wrote out a sufficient response that detailed the current amount owed, as well as receipts of payment which were satisfactory. However today I logged onto my credit report, and see that " The NJ Office of Student Affairs '' when conducting the report, incorrectly initiated a " Hard Pull '' in order to get the information, which dropped my credit score XXXX points, rather than the required " Soft Pull '' as they did not advise me or ask for my permission to run the " Hard Pull '', which I would not have given them permission to do. The " Hard Pull '' was conducted on XX/XX/XXXX. With the Credit Reporting Bureau " XXXX '' and according to the report will not be removed from my record until XX/XX/XXXX. This " Hard Pull '' was conducted illegally, and thoughtlessly in regards to the impact it would have on my credit score. I demand that the pull be removed immediately from my record by the " The NJ Office of Student Affairs '' and that an apology be written for causing my score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.