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

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXXx Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

Hello XXXX, My name is XXXX XXXX. I applied for an XXXX loan with Digital Federal Credit Union on XX/XX/2024 & they ran a XXXX  inquiry and offered me a XXXX rate of XXXX XXXX & quoted that my XXXX score is XXXX. Upon checking with XXXX my score is XXXX & they mailed a XXXX copy of the score on XX/XX/XXXX XXXX but I was repeatedly kept saying by XXXX that my XXXX XXXX is XXXX & also denied to send me a confirmation statement when I kept asking about it. This is too bad that I am given a bad rate based on an incorrect information. Request you to please look into this issue. Thanks. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I declared I was apart of a national disaster for charged off and collections accounts. I disputed both as being in a national disaster and the collection amounts be removed as I was tragically impacted. 

Original Lender ; XXXX XXXX since sold the debt to XXXXXXXX XXXX XXXX. XX/XX/XXXX Original lender XXXX XXXXXXXX XXXX XXXX, since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX. 

Charged Off and reported as a loss : XXXXXXXX XXXX XXXX opened XX/XX/XXXX closed and which is reporting charged off XXXX XXXX XXXX XX/XX/XXXX closed in XXXX now reopened and charged off. 

XXXX XXXX  XX/XX/XXXX charged off XXXX XXXX XXXX  opened XXXX XXXX charged off and reported as a loss by creditor. {$4300.00} and account XXXX XXXX {$500.00} I asked that each account be removed and deleted from my credit report. These are very harmful to my score and credibility worth. As a result of being apart of a drastic life change these should be taken in consideration as the loss they already written off due to unforeseen circumstances such as a national Pandemic.
Product: Checking or savings account

UMB BANK took {$500.00} out of my account XX/XX/, 2021 because they accepted a fraudulent check. They are responsible for the fraudulent check in that they cut the check and did not follow procedures when accepting the check for payment. Since then they have agreed to credit my account the {$500.00} a number of times but have never done so. 

They have lied numerous times to me that they are going to redeposit the {$500.00}. 

They have blocked me from their phone system and will not return my calls.
Product: Mortgage

The Mortgage company lied, reported me on my credit report for miss- 2 payments. They know I didn't, but won't remove the lie. My credit score has dropped and I can't refinance my home loan.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/2018 Dear Sir or Madam : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with LOBEL FINANCIAL CORP. I am not responsible for any charges made to this account. Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. Thank you for your assistance Please investigate this matter and correct the fraudulent debit of {$8000.00} as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : -.
Product: Mortgage

TD bank posted late fee on my account despite mailing payment in on time. I am never late. As soon as I saw the late fee I made a payment directly at the branch on XXXX XXXX in XXXX. I called and they refused to reverse the late fee. This all happened today - XX/XX/2018. I am concerned they are holding payments and not posting them to force consumers to accrue late fees. Given my impeccable payment history, I am disgusted that they would not waive the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time on or about XX/XX/XXXX. I request a copy of my report from XXXX XXXX XXXX XXXX And they issue a report from a bank capital one 360 this account was open in XX/XX/XXXX cause to there report. bank rounding # XXXX account # XXXX. they need to verified this information and validation this. if not they need to remove, this account has a XXXX balance for over 12 year,. in XXXX iWars in XXXX in XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX   XXXX. al. and was release XXXX XXXX. capital one need to send me notice of the remove from my file. second met the XXXX XXXX XXXX account XXXX they got account overdrawn seven in year with a XXXX balance paid in full the fact incorrect bbt as of XX/XX/XXXX paid close as my request XXXX need to correct the incorrect. there is no miss used of this account. XXXX & XXXX  XXXX   XXXX. This information inaccuracy report on my report XXXX XXXX XXXX XXXX ( XXXX ) they need to validation this neg. information by submit proof. if not need to rquest that XXXX XXXX XXXX XXXX remove it ASP.
Product: Debt collection

This debt is reported as a charge offs on XX/XX/year> however this is considered income. I should have received a 1099C in order to account for this as income. I requested Form 1099C, original contracts, and color photo identification as proof, but never heard from company. This is not a charge off ; I am requesting this be removed immediately because it is not debt. According to IRS " any debt, cancelled, forgiven, or discharged becomes taxable income to you ''. I never received Form 1099C ( cancellation of debt ) from the lender that forgave or sold the debt. This is considered income and income should not be reported on a credit report
Product: Credit card or prepaid card

Circumstances led me to take advantage of Citi.com 's balance transfer promotions with the Citi Black Diamond card in XXXX and early XXXX. Three ( from XXXX ) were 0 % promotions, and one ( XXXX XXXX ) was a 1.99 % promotion. 
Of the four different promotion expiration dates, one was XXXX and another was XXXX, I paid {$1600.00} on XX/XX/XXXX to take care of the XXXX balance ( {$460.00} ) and part of the XXXX balance ( {$6200.00} ). 

I expected that the {$460.00} would be indicated as paid, and the {$6200.00} balance would be down to just over {$5000.00}, and my intention was to pay that off yesteray. 

When speaking with a Citi Rep for a very long time I learned : -The {$1600.00} XXXX paid DID NOT GO TOWARDS the {$6200.00} balance NOR DID IT PAY OFF THE {$460.00} balance. 
-The {$1600.00} went towards PART OF the balance due XXXX, and PART of the {$460.00}. 
XXXX was stunned and confused, and the rep said " that is the way it works '' in other words, they arbitrarily decide which individual " loan '' will be paid off so that the consumer will be forced to pay penalties ( I now owe a penalty for not paying the full {$460.00} amount on XX/XX/XXXX, EVEN THOUGH I PAID ON TIME and I was not told specifically what that penalty will be. 
-This is truly astounding. 
XXXX unexpectedly have to pay off ALL of the debt NOW or face major penalties on the larger {$6200.00} balance and will still be paying a penalty for the partial XXXX payment, when I was planning on paying MOST OF IT yesterday, and the remaining balance before XX/XX/XXXX when it was due. 
XXXX has added {$2500.00} to what I need to pay now and I will STILL BE CHARGED A PENALTY for not paying on time. 
XXXX asked the rep if they could take the {$1600.00} XXXX paid and allocate it towards the {$460.00} and the {$6200.00} balances and he was gone a very long time and said " no '' and frankly the tone was as if I was a criminal. 
-I have made every payment on time, have an excellent credit store and this was, again, stunning. 

Does this make sense? Is this legal? I just wonder if others have had this kind of " Twilight Zone '' experience. I really do not want them to be able to slide by with this kind of treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by XXXX XXXX XXXX on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for US Bancorp XX/XX/XXXX XX/XX/XXXX and lastly XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021, I went into a local branch of Fifth-Third Bank and opened an account. During this account opening which occurred inside the bank, I was able to set up my online access in the presence of the account representative. After leaving the bank and over the next few days, I attempted to access my bank using both my mobile phone device via the appropriate mobile app for my XXXX and using my laptop computer running XXXX XXXX XXXX ( Both XXXX web browser and Internet explorer web browser ). During these attempts where I was logging in and reviewing the website and my account profile, I would be prevented from setting up and using the online bill pay section of the 5/3 banking site. On or about 4/30/2021, I called their customer service number and spoke with a representative and explained my frustration with : 1 ) Being locked out of accessing the website via my computer and mobile device. 2 ) Being unable to set up a new payee. She indicated that my account had been flagged as being new and that their system had flagged my account as a " high risk ''. She then made a suggestion that customarily the risk would go down if I refrained from logging into my 5/3 account for 24-48 hours. I spent the entire weekend refraining from accessing my account via mobile device and laptop computer. 

On XX/XX/2021, I attempted to gain access to my account and was successful in logging into my account via my laptop computer. I then proceeded to set up a new payee for my XXXX XXXX. When I attempted to set up a payment for the new payee, I was able to get all the way through choosing a amount and date, but when I attempted to click the confirm button, their website responded by saying something to the affect of 'You are not allowed to do this, please contact the following number '. 

On XX/XX/2021 @ XXXX, I returned home from work and attempted to gain access and to schedule an online bill for the above listed XXXX XXXX I again was stymied by an inability to enter the website till I called customer service and was instructed to clear my browser history and cookies. Eventually, I was able to access my account via my laptop by using XXXX XXXX as my browser. Still on the phone with customer service, I attempted to schedule an online bill pay to XXXX and was again presented with the same notification at the final stage of confirming the amount/date. The customer service rep told me again that my risk score was " high '' and their was no way for her to reset or override this 5/3 banking alert.

I therefore am making an official complaint that 5/3 is restricting or preventing me from using money that has legally been deposited into my account and which they have no reason to restrict access to. My only way of accessing these funds is to physically walk into a branch office.
Product: Credit card or prepaid card

We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting fraudulent hard inquiries on my credit profile. When I spoke with 4 different agents over regressing this matter. And I was insured that the fraudulent hard inquiries would be removed .its a know fact that my data and personal information was compromised by XXXX  XXXX breach. If this is not fix asap no more then 5 days I will explore my legal options I will be filing a fedral complaint with my states attorney office as well. Trans union has consistently violated my rights of being a victim of identity theft and they wi be held accountable in the court of law if the following unauthorized inquiries is not removed. In less then a week attached to this complaint is documented affidavit from the federal trade.
Product: Debt collection

decided it was not worth the time to fight a parking ticket, paid before court date, have email confirmation & CC card statement showing paid on XX/XX/2023. 

now I'm getting notices of unpaid from collection agency. Now I have to take the time to call to resolve, no option to submit info online, more time wasted... 

resolve it please- XXXX
Product: Mortgage

I acquired a reverse mortgage from Champion Mortgage XX/XX/XXXX for {$170000.00}. I received approximitely {$150000.00}. by the time they took all their fees. My question was will there be no prepayment penalty because it was always my intention to repay. I was assured that it was not a problem. I have found that the interest is very high and I sent them {$75000.00} to pay down the mortgage. I have had a great deal of trouble with their insurance department because they want flood insurance but my agent at XXXX XXXX said I was not in a flood zone. They refused to listen to her even when we sent FEMA charts. They charged me {$5000.00} a year for flood and will not change the amount. The mortgage co. paid my house taxes on XX/XX/XXXX without my knowledge and when I sent them a check for the taxes they refused to accept it. They held on to the bank check for several months before they returned it to me and it was out of date. luckily my bank went the extra mile and gave me my money back. They are now foreclosing on me and in order to try and get a new mortgage I checked the liens on the property and found that they had put a XXXX mortgage on the property for {$570000.00}. I never got one cent more than the first payment. I can not get any bank to even look at me untiI straighten it out. Please help a XXXX out of this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a hard inquiry into my credit made from Barclays Bank XXXX XXXX informed me. 

I need it removed. It isnt me. 

My number is XXXX. 
My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXXXXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXXXXXX XXXX  XXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments Figs XXXX XXXX as XXXX XXXX XXXX XXXX XXXX Oregon XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance : {$720.00}