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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX 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
Product: Debt collection

Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
Product: Mortgage

I have been trying to modify my loan for over 4 years now. I have submitted documentation time and time again to no avail. I requested an appeal based upon the last streamlined request for modification by XX/XX/XXXX. XX/XX/XXXX, I submitted the streamlined modification request however on XX/XX/XXXX, I received another forebearance with payments of XXXX which would be for 12 months AND a balloon payment of approx {$130000.00}! At which point, my representative was advised that there would be no guarantee of a modification. This was very perplexing and frustrating. 

All this time I was waiting I was excited for my family and myself because I actually believed the bank was going to actually review and come up with an affordable payment when I submitted the streamlined application. It appears to me that they did that only to make it seem like the bank was trying to help but they had no intention, especially not with those numbers and keeping the same rate of 7.45 %. 

I requested an appeal and as of XX/XX/XXXX, they had not received the request for the appeal however, my representative advised the SPS representative to please notate the account and he advised that he would. I still have not received a reply to the appeal. Then again, I do n't know how they are reviewing since I was not asked for my documentation. The NPV document did not have any information other than the value based on average sales of the property but no appraisal. 

It appears that the bank is going through the motions since it has been a long time that I made a payment. This was not because I did not want to but because both my mother and I had experienced a real hardship in XX/XX/XXXX. As I mentioned I reached out to the bank but they kept denying a modification and sending me forebearance with huge payments as a workouts. 

We purchased the home in XX/XX/XXXX, for $ XXXX, and the current principal balance is approx $ XXXX plus arrears. Had the bank allowed us an afforadable modification back when we started the request, we would not be owing so much in the arrears. Yes we had a major hardship, however, as time has gone by, our financial situation has changed, yet I can not refinance due to the negative impact on my credit. 

The bank will not lose money by modifiying my loan. On the contrary, since the loan amount is now over $ XXXX, they will be making more. If I sell the home, we would lose our family home and all it entails. 

We are requesting your assistance to ensure that our request for modification review is properly calculated and not have the bank continue to give us an unaffordable workout. We do n't want to lose our home and be displaced and end up homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

I have requested verification and validation, but experian does not investigate or show proof that the accounts have been verified by law. this has caused me adverse actions and credit denial.
Product: Credit reporting or other personal consumer reports

XX/XX/20XXXX XXXX XXXXXXXX Account XXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX JEFFERSON CAPITAL SYSTEMS Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector XXXX XXXX XXXX Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting company claims without contacting me first which is a violation showing late payments having negative items on my report these are all violation by these credit reporting agency ... .i wrote an d send in declaration showing and telling these company that they in violation but they keep doing the same thing ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX  XXXX as well as XXXX XXXX  and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.
Product: Checking or savings account

I opened a Schwab account on XX/XX/XXXX. I deposited a check on XX/XX/XXXX, and I deposited another check on XX/XX/XXXX. I used some of that money to buy XXXX stock. On XX/XX/XXXX, I suddenly could not log in to my account. Since then, I have had no access to my funds. 

They said they needed to verify my identity. On XX/XX/XXXX, I went to a branch and showed my ID along with other documents. They said it would be resolved in XXXX or XXXX business days. Today is XX/XX/XXXX, and I still can not use my account or withdraw my money.
Product: Credit card or prepaid card

Citibank automatically renewed my account but never sent me a replacement card. I thought the account was closed and didn't realize it had an auto pay for the vet on it for 4 months. When I finally realized, I paid everything I owed and closed the account ( after much trouble and hours and hours of waiting on hold and having my calls dropped before they would cancel ). They said couldn't even access my account to cancel it until sending me a new card since they never even sent the first renewal. Weeks later, after getting a new card and lots and lots of time with their terrible phone system, I finally canceled it. Then 3 months later I get a collections bill for XXXX XXXX. According to them it is a late charge they hadn't assessed yet when I canceled. So they can charge fees AFTER I cancel an account? Is that legal? Also, it was very very difficult to cancel. Seems predatory.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I informed Equifax by mail that there was incorrect and/or outdated information reporting on my credit file. I've asked Equifax to correct this information several times.. The incorrect information gets removed from my report, and months later the incorrect information comes back on my report. Equifax only temporarily corrects the problems. I am asking Equifax to thoroughly read my documents and remove the incorrect information I have listed. I informed Equifax in writing once again on XX/XX/XXXX, that the incorrect information has returned to my credit report. I, XXXX XXXX, am currently disputing items on my Equifax report. The incorrect information that Equifax has, is only reporting on Equifax. No other credit bureau is reporting this incorrect information. There is no third party acting on my behalf. I have attached the proper identification to verify my identity. Equifax has accused me of using a 3rd party to act as myself. This is a lie and a known stall tactic being used by Equifax. There are no other persons or any credit company acting on my behalf. Attached are my proof of documents.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that was paid off and in agreement with the creditor would be removed from my credit report to reflect no negative history. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. These accounts were paid off and should reflect positivley on my report : XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were not paid in full and the agreement was not made between the creditor and myself.. If proof can't be provided I demand these accounts be removed from my credit report or updated to paid on time.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an account that was previously deleted from my credit report but has now been illegally reinserted in violation of FCRA 1681i ( a ) ( 5 ) ( B ). According to the Fair Credit Reporting Act ( FCRA ), if an account is deleted from a consumers credit report, it can not be reinserted without proper notification and certification from the data furnisher. The credit reporting agency has failed to notify me in writing within five business days, as required by law, which constitutes a clear compliance violation. 

I have not received any formal notice from the credit bureau explaining the reinsertion, nor have I received any documentation verifying the accuracy and legitimacy of the account. This raises serious concerns regarding the procedures being followed by the credit reporting agency and the data furnisher, as the FCRA strictly prohibits the reappearance of unverifiable accounts.
Product: Checking or savings account

On XX/XX/2023 I purchased an XXXX XXXX online for {$300.00}, The seller never shipped my item. 

I put in a dispute with XXXX  which was unresolved, On XX/XX/2023 I filed a dispute with my bank, Bank of America since I used my debit card to facilitate payment. 

I was told by the agent in the Fraud Department that Id have the temporary provisional credit for {$300.00} applied to my account within 48-72 hours, Today XX/XX/2023 I still havent received my credit, I called Bank of America who stated that this doesnt fall under some federal law so they arent giving me a credit. 

This is the first time in my XXXX  years with the bank that Ive not gotten a credit, My money was stolen and Bank of America seems to be helping the thief instead of their own customer. 

I want my money returned.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, Equifax XXXX and XXXX. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : XXXX : {$670.00} Equifax : {$0.00} XXXX : {$670.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX, Equifax, and XXXX : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need to temporarily unfreeze my credit at all three bureaus. I manage to unfreese it at XXXX and XXXX, but when I attempted to unfreeze it at equifax, i ran into a never-ending cascade of error messages and " please try again laters '' until my account was locked.

They are of course unavailable on the phone. 

Now I am XXXX out of luck. Account locked. Credit frozen. Try again later when the plane tickets are {$200.00} more.

You'd think they'd make an account recovery process easy for such a vitally important service, but no. Play phone tag for 8 hours instead with some customer support line thats only available during esoteric business hours and transfers you around endlessly until you give up. Welcome to equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a direct dispute using XXXX XXXX concerning a matter on my TransUnion credit report. I filed on XX/XX/XXXX and it is now XX/XX/2019. 10 days have passed since the 30 day deadline and I have not received any communication, electronic or otherwise concerning my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

an inquiry shows up on my equifax consumer credit report unauthorized from XXXX,
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Product: Credit card

In XX/XX/year>, I received an XXXX XXXX in the mail from Barclays, which I never applied for. I immediately called Barclays to file fraud/identify theft and they took all of my information. They told me it would take a few weeks to finalize the investigation. I was advised to destroy the card, so I did. I also explained that during this same time period, someone filed for unemployment in XXXX under my name & social security number, as well as open a bank account with XXXX XXXX using my name and information. This was clearly a case of identity theft. Both the state if Massachusetts and XXXX XXXX immediately recognized this and shut down both accounts. 

I received a notice from Barclays in XXXX stating that the investigation determined that my credit card was not opened frauduently and that I was responsible for this account. Once again, I called Barclays and explained the situation and they said they would reopen the case and handle it. Several weeks later I received another notice from Barclays saying the investigation, once again, determined that this account was not fraud. 
I asked what my options are because I do not own this account nor did I ever apply for this account. They told me that I could file another fraud claim and reopen the investigation. I asked them what would be different this time, then the previous XXXX times. They said they did not know. I asked what my other option would be and I was told I could pay off the card balance and close the account. I did not want to do that, but I just wanted this to all be over. 

Yesterday I tried to pay off the balance and close the account, but they could not verify that it was my account because I did not know the email address used to open the account. I explained, yet again, that I do not know the email address because I never opened this account. They encouraged me to file another fraud claim, but I did not want to just go through the same cycle and have my credit score impacted again.

I am very frustrated as this fraudulent account has impacted my credit score which I have worked hard to improve over the years, as well my mental health, having to deal with this. 

Please advise! 
Thank you
Product: Credit card or prepaid card

I have been diligently trying to access the Capital One general website to go in and access my credit card and pay my bill. For over 2 months, I can not get into any of the Capital One sites. The general dashboard that pops up when trying to access, which I have used since 2012, no longer appears. There is a " generic '' screen which askes for a log in ( which I have also tried using my current log in and password to no avail ) and is basically for the new Venture card. I have called and spoke with customer service several times -- either I can not understand the rep, or I am put on hold for crazy-long periods of time while my answer is being " researched ''???? Updated my computer, browser, etc., but this is a real issue for me. I am seriously concerned about this. 

Attached documents for your review. Thank you.
Product: Credit reporting

New York Tax Lien - was never notified, not verified or accurate
Product: Credit card or prepaid card

Credit karma I have been with credit karma for over 5 years now and I keep getting pre approved credit cards but once I apply my credit score goes down and I get denied and this has happened numerous of times. Why would they say Im pre approved but I get denied and it also effects my credit score. Its very misleading and false information. How can I move forward because this isnt right Im trying to build my credit not destroy my credit and a future Im trying to build for my children. XXXX thanks
Product: Checking or savings account

Synchrony Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers requested by an unauthorized party. 

After several calls, and several request for the issue to be escalated, my account status was made active and more than five times placed back on a block status. The amounts pertaining to the disputes transactions has been placed back in the account and then withdraw more than fives times, proceeded by the total balance of the account presenting billing errors and a decrease in funds for amounts that have been claimed as unauthorized. To this date, I am being prevented rom accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has refused to provide a appropriate resolution and mitigate the losses of the billing errors cause by the several times that the statement lists the same funds being credited and debited from the account. I have been awaiting for a proper resolution and the mitigation of my losses for a period of 2 months.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently appeal to you to take immediate steps to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize them. It is unjust for me to be held accountable for these accounts, as I did not initiate or approve them. I urge you to promptly address this issue.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - Late/Closed XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$9.00} Late/Open