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

my credit card was paid in full XX/XX/XXXX XXXX and this is not the first time for the fidelity bank card not the banks care i sent messages to all three reporting s ags i just finished going in the program national debit relief after XXXX  years they got me involved in a loan with reach i have been paying everything down the car loan i had a covid contract to pay interest only and i got hit with a late payment all of this i am and i try ed to talk to bank and credit cards i am on XXXX and pay on auto every month this system has to change the little people are getting hit hard i have talked to both credit cards company 's and banks and expire n XXXX  and XXXX XXXX credit reporting people i don't know what to do next please help i am not the only XXXX out there with this problem
Product: Checking or savings account

On Thursday XXXXXXXX XXXX  I logged into my Sofi account and it said account temporarily restricted also by email from a No-reply email address that the email address is No-reply@o.sofi.org I contacted Sofi to see what and why Sofi had put a temporary restriction on my Sofi checking account & saving account that means that I can't pay any of my bills like rent tv & internet bill my cell phone bill and my XXXX XXXX XXXX annual pass to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX when I called Sofi yesterday on Thursday XX/XX/XXXX XXXX and again at XXXX and again at XXXX they told that they expedite the case. Also Sofi told me that i can not take any of money out my checking account or my savings account at the moment I really do not Sofi to close my checking & savings account because My XXXX & my XXXX payments go into my checking account for me to use that money to live off of right
Product: Credit reporting or other personal consumer reports

They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a 90-day late mark when there are no records of 30-60 days past due? It seems to have jumped straight to 90 days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors. 

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED/XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL ACCOUNTS AND INQUIRES REPORTING ON MY ACCOUNT THAT IS FRAUDULENT. PLEASE REMOVE INFORMATION FROM MY REPORT. IVE CALL CREDITORS MULTIPLE TIMES AND NO RESPONSES WAS MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and the DEPT OF ED/XXXX  partial account number XXXX. Also, XXXX and Transunion are reporting that I am ( 30 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also included my identification documents for reference. ) These FOUR accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have to constantly try to rectify the effects as accounts that were opened fraudulently are continuing to report in my credit file and I am being contacted in reference to the fraudulent debts. The fraudulent accounts are Fair collection and Out, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

At the age of XXXX, I became a victim of identity theft when a family friend fraudulently used my personal information to purchase cars, take out personal loans, and open a credit card in my name. This betrayal went unnoticed until I began receiving unfamiliar bills and debt collection notices. Upon investigating, my family and I discovered that this individual had used my identity to accumulate debt and then vanished when confronted. All attempts to contact him were unsuccessful, leaving me to deal with the financial and legal repercussions of his actions. In response, I promptly filed a police report and took legal action to reclaim my identity and dispute the fraudulent accounts. The experience was both distressing and financially burdensome, but I remained committed to restoring my credit and seeking justice against the perpetrator.
Product: Debt collection

I settled XXXX accounts with this company and I was told this was going to be taken off and reflected on my credit in XXXX and it is still on my credit. I spoke to XXXX on XX/XX/21 and XX/XX/21 about these accounts. The confirmation # XXXX is for the account # XXXX. The confirmation # XXXX is for account # XXXX. These were both settled for {$150.00}. 

This negatively impacts my credit and needs to be resolved. It is stated on XXXX XXXX that this meets FCRA requirements. It is under dispute with XXXX and XXXX  to be taken off.
Product: Checking or savings account

Hey I have been trying to get my access to my funds for days this bank has been holding my funds for no reason I have been calling and they have no explanation for why my funds are being withheld i have done everything to get this resolved can you please help me
Product: Debt collection

As of XX/XX/2021 a debt collection company by the name of Southwest Credit Systems, account number : XXXX, randomly appeared on my credit report claiming that I owe a balance to them in the amount of {$370.00}. I never received a letter in the mail with a notice of the debt or a chance to dispute the validity of the debt per the FCRA. I am requesting that this listing be removed from my credit report immediately for violating my consumer rights to dispute within 30 days of notice of the debt.
Product: Mortgage

Back in XXXX, we filed Chapter XXXX bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the " bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately XXXX years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to dispute this but to no avail.
Product: Credit reporting or other personal consumer reports

I contacted Experian to formally dispute and demand the immediate removal of inaccurate information on my credit report regarding erroneous collection accounts and late payments, addresses, and names. This letter constitutes my official notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer laws. These entries are disputed as they do not meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ) and violate the requirements of 15 U.S.C. 1681a ( 2 ) ( xi ), which obligates furnishers of information to report accurate information related to consumer debts.

Under 15 U.S.C. 1681i, I demand a thorough investigation into these disputed accounts. Experian required to complete this investigation within 30 days of receipt of my request. According to 15 U.S.C. 1681i ( a ) ( 5 ), Experian find that the information is inaccurate or can not be verified, it must delete the information from my credit report.

Furthermore, please be advised that under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers under certain conditions, particularly when the consumer is represented by an attorney. Additionally, 15 U.S.C. 1692g mandates that consumers have the right to dispute any debt information. Therefore, I expect your immediate compliance in verifying the accuracy of the reported accounts. 

Moreover, should it be determined that any of the disputed accounts were inaccurate or unverified, I expect those entries to be removed from my credit report in accordance with the laws outlined in 15 U.S.C. 1681e ( b ) and the prohibitions against unfair practices as enforced under 15 U.S.C. 1666b for consumer credit protection.

I also remind you of the responsibilities under 15 U.S.C. 1635, which grants consumers the right to rescind certain transactions. Should these inaccuracies fall under this category, I will exercise this right to protect my interests. 
I was informed that they would not removed improper, and non mail able address because they were associated with old accounts. ( Please see attached ) Please be advised that if Experian fail to resolve this dispute satisfactorily, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider legal action against your agency for non-compliance with the FCRA, including potential damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance. 

This is a formal notification of my expectations for immediate action regarding this urgent matter. I appreciate your prompt attention and look forward to your written response within the legally mandated 30-day investigation period, detailing the actions taken in response to my dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX 2017 my wife and I received a pre approval letter through movement mortgage company. Then we shopped around and found XXXX XXXX XXXX that has done everything with our loan. Movement Mortgage is now preventing us from closing on our loan by threatening to sue XXXX XXXX XXXX so they wo n't close on our loan. We are supposed to close In 6 days but are being forced to use movement instead of the company that has done everything on the loan for us. We have been bounced around from person to person through movement mortgage ( total of 3 loan people ) and they should n't be allowed to carry on like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX XXXX XXXX LVNV I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have additional information regarding my request to BLOCK accountXXXX XXXX XXXX fraudulently furnished on my credit file. Be advised that I do not have any liens in my name related to this account and have attached the MA Secretary of State 's certified report reflecting such. 

In addition, EXPERIAN failed to provide me with the material proof, which I requested XX/XX/2022 via CFPB # XXXX, that led them to determine that the XXXX XXXX account is actually mine. I've received two notices thus far on XX/XX/2022 and XX/XX/2022 stating that EXPERIAN has verified the account in question. Reference correspondence has been attached. 

NOTE THAT ANY RESPONSES FROM EXPERIAN SHOULD BE SUBMITTED VIA THE CFPB PORTAL AND NOT VIA ANY OTHER DELIVERY METHOD.
Product: Mortgage

This complaint is about the Forecloser Sale of XXXX XXXX XXXX XXXX ca XXXX scheduled on XX/XX/XXXX. Regarding Loan Number # XXXX, from FCI lender Services, INC ( servicer ) and XXXX XXXX ( borrower ). 

The Junior Lienholder FCI Lender Services, INC has failed to meet any of the California Foreclosure Statutes : Cal. Civ. Code 2923.5, 2924 to 2924l ; Cal. Code of Civ. Pro. 580a through 580d.  California Homeowners Bill of Rights II, and Consumer Financial Protection Bureau XX/XX/XXXX regulations by never sending periodic billing statements, sending interest rate notices or requesting a meeting to discuss loan modifications, forbearance agreements or address any type of repayment programs. 
XXXX XXXX XXXX XXXX, XXXX and FCI Lender Services, INC has had no correspondence with XXXX XXXX for 13 and a half years. 

XXXX is seeking a sum of XXXX, consisting of an original sum of XXXX, loan fees plus interest. Loan Number # XXXX has never shown up on any credit reports or made any type of inquiry. 

FCI has failed to meet any early intervention requirements, continuity of contact requirements or has made any attempt of mitigation. 

The following Parties are involved in this transaction are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FCI Lender Services, INC, and XXXX XXXX. 

Please contact me in a timely manner via Telephone ( XXXX ) XXXX, by mail at XXXX XXXX XXXX, XXXX, Ca XXXX and by email at XXXX. 

Sincerely, XXXX XXXX Mitigation is the best option. I'm more than willing to work out a payment plan with said lender.
Product: Credit card

I first reached out to the XXXX XXXX XXXX XXXX and again in XX/XX/XXXX regarding discrepancies in transactions associated with my Apple Card and account issues related to my Apple ID, which were affecting my ability to access card details and transactions. The 9 transactions under discussion were the only ones listed on the statement that had to be separately requested due to account and email address complications. I had also had a change to my Apple ID and XXXX account due to my account access issues. 

Moreover, there were additional unauthorized transactions beyond the mentioned 9 from the previous complaint, totaling {$2600.00} in the XX/XX/XXXX statement. Among these were charges such as {$240.00} to XXXX XXXX and payments to entities like XXXX XXXX XXXX, a daycare service, neither of which I have any association with. Despite attempts to resolve these issues directly with vendors, such as XXXX XXXX and XXXX, they confirmed my lack of association with the charges and advised me to dispute them with the Card Issuer, which I promptly did. 

XXXX XXXX XXXX XXXX 's claim of confirming my possession of the device linked to the Apple Card during the transactions, this assertion is inaccurate. Following my return from a XXXX in XXXX of XXXX, I switched to a XXXX device running on the XXXX platform, rendering it incompatible with the Apple Card. I had also informed Apple about this during the period in question. 

Despite my efforts, the Bank failed to provide any updated statements or investigation outcomes to my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. In response, I provided a signed statement along with various screenshot evidence, including bank statements from XXXX and XXXX, demonstrating my transactions and business associations during the relevant timeframe, which contradicted the claims made by the Apple Card statements. I have attached the only statements I have been provided regarding the account.
Product: Debt collection

Paid my debt on XX/XX/XXXX The company will not provide me a settlement letter/paid in full letter and giving me the run around. I was told it will take XXXX days which is not a requirement by law I have called everyday since the XXXX and the company confirmed receipt of payment but, refuses to provide me a paid in full/settlement letter in a timely manner
Product: Credit card

When finding out about the balance on my credit report I knew it was not accurate, in my own findings I found out that the account was sold several times. However the balance is not correct as well as when requesting the information of the itemized statement I was hung up on by the business, told that they will force me to give them money. I asked to speak to a supervisor and they again hung up the next individual I spoke to laughed at me and said I wont get the information Im looking for and there is no information on the account. I asked several times and explain the information was not valid and never got a response.
Product: Credit card

My payment is due the XXXX I made my payment today and yet again. They try to late fee it. 

They do this every time. 

I can call them and Ill be told its fixed yet it wasnt fixed. 

Both accounts have received late fees. 

My bank says that where before the deadline. They say its not. Seems off to me I cant close my accounts because they just like to try and cheap people out of money and we should accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXXXXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove XXXX XXXX account ( XXXX ) # XXXX and the other account XXXX XXXX XXXXXXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of inaccurate and negative items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following items : I have disputed these items multiple times with the credit bureaus ( Experian, XXXX, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the removal of these accounts from my credit report. 

The continued presence of these negative items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Thease accounts should be promptly remove immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXXXXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly.
Product: Mortgage

I have tried since XX/XX/year> and they wont give me an answer as to why they will not modify my loan.
Product: Vehicle loan or lease

I had a loan with American credit acceptance, not long after I got the car, I lost my job, fail behind, keep paying and paying and then had to refinance to get caught up.. Then I got XXXX I missed two weeks of work, holidays hit. I got behind but I was paying {$100.00} or more every time I got paid. I dont know what kind of interest charges I was paying. Cause it was like nothing I was giving was going towards any of my payment. They kept telling me I was two and three months behind. Would not work nothing out with me. Then next thing I know they picked up my car.. Ive emailed them several times. Got nothing. I kept asking for number for the local office but i would get told there was not one. I bought the car at XXXX finance through American Credit Acceptance. They pick the car up about 2 or 3 months ago. I dont know what to do. They know pandemic hit. And everyone was struggling. Also I informed them over and over I work third shift. It was hard for me to call them before they closed. I even tried reaching out to someone on their XXXX account. But would never get a response.