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

Speedy Cash keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
Product: Credit card or prepaid card

I took out a 24 month promotional offer with XXXX COMENITY BANK card. The terms stipulated no interest for 24 months if balance paid in full. My last payment ( as per the payment page on their website ) was due on XX/XX/2020 or XXXX . I paid the XXXX $ on the due date of XX/XX/XXXX and the statement balance was then at XXXX . This month I received notification that my account balance was now XXXX . Apparently, the promotional period was due on XX/XX/XXXX and not XX/XX/XXXX ( which was the ONLY listed payment due date on their website ). The account statement does say " DUE on the XXXX to avoid finance fees ), however, I am enrolled in paperless and was following the information posted on their website and not the actual statement. They are very misleading with their information because nowhere in their website payment page does it explicitly tell you to make a payment by the XXXX. I called and they said they can not do anything. So I now have to pay back XXXX $ because the interest is 29 %. The only thing they could do for me was to lower the interest to 10 % for 12 months. They are scamming customers by not providing the information on the PAYMENT Page!!
Product: Debt collection

XXXX credit bureau has violated the consumer protection act against me, the XXXX  XXXX XXXX XXXX fall for collection opening date XX/XX/XXXX this is a fraudulent account and I have asked XXXX to remove this fraudulent account of my credit report over a year and they have constantly repeatedly ignore the fact that this is fraudulent I have no idea of this bill so I'm reporting XXXX because XXXX is not following the guidelines protecting customer as this should XXXX also have another XXXX called XXXX XXXX  that trying to collect XXXX that I have no idea of this is fraudulent also account was open XX/XX/XXXX I never even heard of this account it is fraudulent and I would like them to remove I would like XXXX to remove these fraudulent charges of my credit report immediately thanks
Product: Mortgage

Over the past 3 years, I have been trying to refinance my current home loan with Mr. Cooper ( NationStar ) to pay off some bad debt. Each time I apply, I am given some discriminatory reason as to why I am not eligible for a refinance even when I have the credit rating, the income and meet all the necessary criteria. However, all NationStar Loan Specialist - look high and low for reasons not to offer me a refinance based on race- even when there's ample money after the loan amount exceeds the 80 % rule and the property and comps in the area are more than XXXX XXXXXXXX higher the amount owed. I have been told I didnt meet the criteria because I owed money from a home loan modification that is not shown on my monthly mortgage statement - hidden debt. the home loan modification was placed at the back of the loan as an addition. I have been told my actually mortgage owed is XXXX XXXXXXXX plus XXXX XXXXXXXX from the modification. This is illegal and unlawful monies being added to a mortgage loan that was initially XXXX  XXXX. The math is not adding up based on my documents. I tried to obtain a refi in XX/XX/XXXX and was given another excuse and then again today, XX/XX/XXXX. I was told my HOA does not accept FHA Refi loans ; how can my HOA dictate whether or not I am able to refinance and under what programs, i.e., FHA, XXXX, XXXX. I was also told I owed XXXX and XXXX XXXX neither of which are on my credit report. When I go into my mortgage account - nothing shows a refinance was even processed. After I am told verbially I can't refinance, I never receive supporting documents to conclude their decision.
Product: Debt collection

Many years ago I owed XXXX {$630.00} for a phone bill. 

The debt was sent to collections. 

XXXX XXXX was the debt collector. 

I settled for less than the full amount and received a Receipt saying that I settled for less than the full amount. I paid {$380.00} and I attached that receipt to this complaint and also gave it to XXXX and the new collection agency. The remaining balance on that account was {$250.00}. 

Recently, XXXX sent the remaining Balance to a new collection agency even though my recipe shows I settled for less than the full amount and clearly states they will not purse any collection activity. 

Now, a new collection agency, Allied Collection Services, is reporting on my Credit Report for the remainder of that balance.They say that until XXXX tells them not to collect they will continue to collect regardless of my recipe saying I settled with XXXX. 

XXXX says there is nothing they can do. They see that I settled for less than the full amount but the system does not allow them to change the balance. 


Companies Involved : XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Allied Collection Services ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The account was paid in full for the balance of {$3300.00}. I received the XXXX balance letter on XX/XX/XXXX it was paid in XXXX. Currently reflects paid/closed {$3300.00} written off.
Product: Credit reporting

I have contacted XXXX XXXX and Equifax they are reporting invalid bogus debt that I do not owe. They have the account listed on my credit twice for the same amount and it is not being corrected. The amount is XXXX Equifax nor XXXX XXXX has validated this debt. Equifax just keeps sending me letters staying they verified that the account belongs to me. This is how I know they did not really investigate. If they really had investigated they would see that I never owed a balance and that the business has been permanently closed and no longer in business anymore. No one can validate this debt. They are telling me that it is legal to report an item twice that I do not even owe. Please investigate these XXXX companies you can find out for yourself the company has been closed for sometime and not in business and that I never owed them a dime. This is causing me great stress. I understand Equifax gets paid to report negative information but it is not ok when honest people being forced to fight something they do not even owe I am just asking that someone please investigate and fix this situation please.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am reaching out to dispute inaccuracies in my credit report related to the XXXX XXXX account ( Account # XXXX ). Late payments for XXXX, XXXX, and XX/XX/year> are reported inaccurately. According to my payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 90 Days Supporting Evidence : Attached are documents showing on-time payments for the disputed months. 
I have also provided a highlighted credit report showing the inconsistencies. 
Pursuant to the FCRA, 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), credit reporting agencies are required to maintain accurate and verifiable information. I request that you : Reinvestigate this account thoroughly.

Provide a detailed description of the procedures followed in your investigation.

If the late payments can not be substantiated, I insist that the account be updated to " Paid As Agreed Never Late. '' Thank you for your attention to this urgent matter. Please provide your response within the timeframe specified by the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This dispute is involving XXXX XXXX XXXX, once again. On XX/XX/XXXXXXXX XXXX sold my personal information to XXXX XXXX XXXX XXXX XXXX for a closed internet account. I closed the account because I was moving in XXXXXXXX XXXX XXXXXXXX. I made payment arrangements with XXXX  to pay on my bill each month. My first payment was in XXXX and XXXX, along with XXXX  put my account in collections. As stated then, I was making payments to XXXX you can't do that. 
Well, it is XX/XX/XXXX, and XXXX  has yet again sold my personal information to another company named XXXX XXXX XXXX. Well, the problem again is that I'm still paying XXXX  at the store, and you can't do this. This is the 3rd time having this issue with XXXX and its frustrating. Secondly, XXXX has no permission to sell my information because I'm opted out of all their services and I'm opted out on all 3 credit reporting agencies. I also have a credit freeze on all 3 of my credit agencies. Why does accounts keep popping up on my credit reports. 
As stated on XX/XX/XXXX, XXXX needs to be deleted immediately from my credit report because I have proof of payment to XXXX. Also, I reported XXXX XXXX and XXXX to experian yesterday, XX/XX/XXXX for this discrepancy to be deleted from my credit report and they agree Furthermore, if it is on my XXXX and XXXX report, it needs to be deleted from their As well.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for a violation of Title 15, Section 1681c-2 of the United States Code , which relates to blocking information resulting from identity theft. 

In the month of XX/XX/2023, during a credit check, an unknown credit card account was opened in my name without my consent, and this incident constitutes identity theft. 

I have attached the following supporting documents to this complaint : A copy of my identity theft report as required by the statute. 
Copies of relevant correspondence with Equifax. 
Any other relevant documentation, such as police reports or affidavits. 

I believe that Equifax has not properly complied with the law by failing to block the fraudulent information from my credit report as requested. This has caused financial and personal distress. 

I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under Title 15, Section 1681c-2, are protected, and that Equifax rectifies the violation promptly. 

I appreciate your attention to this matter and look forward to a resolution of the issue. Please contact me at the provided contact information if you require any further details or documents.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax telephonically and sent repeated letters to them requesting the deletion of XXXX XXXX XXXX XXXX XXXX XXXX Accounts both ending in XXXX. One account was a credit card and the other a Line of credit. These accounts were opened up in XXXX and have not been paid on since XXXX. It has been 7 years since the derogatory information first showed up on my report. Both accounts have been Charged off. This information for both accounts should have been deleted from my report in XXXX of XXXX. No documentation has been provided to state otherwise.
Product: Debt collection

Upon reviewing my credit report I noticed a collection agency by the name of Commonwealth was reporting collections for me that I had no idea who they belonged to as I have no knowledge of this debt the company claimed I owed. I disputed the collections with the credit bureaus several times and they have instructed that I contact the collection agency directly. I attempted to contact Commonwealth by certified mail requesting validation of debt and as of date the company has failed to respond to me and continues to report inaccurate information despite my notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed XXXX a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX there was an unauthorized charge of {$490.00} on my Bank of America account. I immediately called the merchant and they told me that the charge was from a previous finance charge I never paid from XXXX. However it wasnt from my account it was from a different account that someone had apparently used my name. They refused to help so I called BOA and they said I had to wait for charge to clear before I could dispute. I waited and on XX/XX/XXXX it cleared and the merchant was somehow able to charge another {$490.00} which put my balance at over XXXX dollars, my direct deposit the following day out my balance at a few dollars. Bank of America wont give me a provisional credit even tho I have all the evidence in the world the charges were not authorized and were fraud. XXXX informed me that they have 10 days to give me the credit but when I asked a boa customer service she informed me that they didnt have to give me a credit at all. Then on XXXX the XXXX both of my claims were closed due to duplicates even tho they werent duplicates they were two different charges. But it now says my claim wasnt initiated til XXXX the XXXX. Which I guess gives them another 10 days. I cant wait that long. Im about to lose my apartment, I havent been able to buy groceries and Ive been surviving off co workers and friends loaning me small amounts of cash. I dont see why Im being denied provisional credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to Equifax, XXXX, and XXXX. I have not received the results of the investigations. Nothing has been mailed to my address provided. I have attached my dispute letters. I am hoping the CFPB can provide oversight to the bureaus to ensure my credit report it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding inaccurate information on my credit report on XX/XX/XXXX XX/XX/year> and XX/XX/year> showing that certain accounts were either not mine or reporting incorrect information and nothing is updated only a generic response with no proof that it was actually investigated.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I was looking to rent a home and was turned down, I recieved a copy of my credit report and to my surprise found out I have been a victim of identity theft. I found that there was an auto loan for Bank of the West on my credit report but I NEVER applied or approved any such auto loan. I filed an FTC report, contacted Bank of the West by phone, mail, and email and was NEVER provided with any proof that the loan belonged to me.
Product: Mortgage

On XX/XX/XXXX, I visited Citizen 's bank on XXXX Street in XXXX, MA to close on a {$200000.00} HELOC which was to payoff my mortgage balance. 

The HELOC was for : XXXX XXXX XXXX XXXX, MA XXXX As of XX/XX/2021 the mortgage balance was {$6200.00} and the loan number was XXXX. 

On XX/XX/XXXX, I received confirmation the mortgage was paid off and applied to my HELOC but the bank paid {$10000.00}. 

Congratulations! We received your home loan payoff. 

Property Address : XXXX XXXX XXXX XXXX, MA XXXX Loan Number : XXXX HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$10000.00} The HELOC should have paid off only {$6200.00}. I will have to wait 15-30 days for the difference to be mailed to my home yet the interest on the {$10000.00} will be charged for that period. The bank is wrongfully charging me interest on a higher balance. I question this practice of overcharging interest. Since Citizen 's is pushing this HELOC aggressively, I anticipate they are recognizing more interest on their earnings for this quarter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts still on my report. 
Accounts in collection and on my report that have not gained my permission to obtain my report or add anything to it.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Transunion 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 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 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a payment from XXXX for {$93.00} to my venmo account. I attempted to transfer the funds to one of my debit cards on file that I have used previously. It continued to give me error messages. I added my banking information and my daughter 's and tried to initiate the transfer. It said it transferred and I then immediately got an email that my account was suspended. I never received my transfer. 

I have uploaded the requested information repeatedly. I tried to speak to a customer service representative, unsuccessfully. I have received no information or response from Venmo. My account is frozen. In researching this appears to be a very common issue I desperately need this money so I can pay for my health needs! I want my money sent to me so I can then close my Venmo account. They are XXXX!!!
Product: Credit reporting or other personal consumer reports

I am one of the consumers that have been affected by XXXX reporting payments in correctly.I have reported this to all credit Bureaus and have all credit bureaus have ignored and not even attempted to fix the inaccurate reporting. XXXX is reporting late payments inaccurately on my credit reports from XX/XX/2022 and XX/XX/2022. According to the FRCA i am entitled to a accurate credit report and the credit bureaus must correct all inaccuracies. I have attached my credit report showing the 60 and 90 day late payment with out reporting 30 days late. 

XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I told them I did not understand or authorize, or know about any of the listed inquiries they did not help theyre violating my rights by law as a consumer 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!