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

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit card

I applied and was approved in the morning of XX/XX/XXXX for the Citi XXXX XXXX card. I chose this because I have a trip coming up for medical purposes. They locked the credit card on the XXXX before I even received the physical card in the mail or did anything aside from log in to my own account. After they locked my account before I even received the credit card, without reason and without my permission, they refuse to use the phone number or email on the application ( which they approved ) to " verify '' my identity. They claim government ID is also not verification and me receiving the physical credit card on XX/XX/XXXX is also not verification, but a worthless piece of paper in the mail to waste weeks of my time is. They lied to my by sending me an email after I had the credit card in hand and verified it on XX/XX/XXXX. They insist there was fraud when there were ZERO purchase attempts and my credit card had not even arrived yet. 
I called the Citi XXXX XXXX unit but they claim they can take weeks to do anything. The damage is in the time I have lost, they are burning weeks of time for me to earn the bonus points through spending ( which is the reason I chose this credit card ) and could jeopardize my medical travel. 

This is beyond disgusting and illegal. Refusing my phone number, email, government ID after putting an inquire on my credit record AND having the physical credit card in hand is fraud. This is being done out of spite and is completely open to fraud and damage to an individual, not against it.
Product: Debt collection

This is my second complaint against Convergent Outsourcing in the last XXXX weeks. Today, when I got home from work, there was a message on my HOME anwering machine to call them about account number XXXX. This is a WORK related account, not home related. They had NO right to call that phone number, especially since it is unlisted/unpublished. I am attaching a copy of my last statement from XXXX XXXX, showing a credit balance of - {$80.00}. 

I called them back and I was NOT nice to them. I probably will be filing in civil court against them very soon. 

Unfortunately, I erased the message, as my wife would have had a bad reaction to the message, eventhough XXXX XXXX and Convergent Outsourcing are in the wrong.
Product: Debt collection

Aldous associates sent me an Email legal notice with out my consent to received Email from them, I did never share my e-mail with this agency, they also reporting negative account in my credit report with out verifying the debt and with out sending me any letter via USPS stating I have the right to dispute, this actions are deceptive practice
Product: Mortgage

Freedom mortgage has engaged in active physical harassment, sending random strangers on a weekly basis to my house, trespassing on my property and taking random photos of my house. I'm on a forbearance plan, but they won't stop, even after calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account review inquiries on my TransUnion credit report I do not recognize. I have not done anything with this company. I would like these removed, even though they do not hurt my credit score.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

Bank of America Core Check fee disclosure agreement states : have at least one qualifying direct deposit of {$250.00} or more made to your account each statement cycle. Disclosure is not specific and misleading a customer to perceive as to at least one deposit, without mentioning it must be a SIGNLE deposit, meaning to as one or more with a combined sum of {$250.00}.

Bank of America XX/XX/XXXX overcharged a monthly maintenance fee of {$12.00} during a statement cycle when one of its requirements was met per banks fee agreement, specifically as to one or more of direct deposits of {$250.00}.

Contacted BOA customer service on XX/XX/XXXX for fee refund resolution, which was not satisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi Double Cash credit card gives you 2 % cash reward ( 1 % when you make any purchases and another 1 % when you pay the balance. ) I bought a phone from XXXX XXXX using XXXX credit card. When I returned the phone, an XXXX staff asked me to give him a card so he can put the refund money on it. Because of my confusion of having too many cards, I gave him my Citi Double Cash card. 
When the {$1000.00} refund transaction was clear, Citi thought that it was a refund from my using their credit card, so they deducted {$4.00} from my cash reward balance instead of giving me {$9.00} more ( I spent {$540.00} on purchases and paid {$350.00} I owed them. ) Thus, my total loss was around {$13.00}. 
I called Citi and explained, a guy ( I ca n't recall his name ) said he did a dispute, and I could expect to receive {$15.00} back in XXXX5 business days. 
Today XXXX/XXXX/16, I called back asking why I have not seen the {$15.00}. Another guy said he was not able to find any disputes on my account, which means the first guy lied to me. After talking to his supervisor, this guy said they refused to give me the money. 
I think this is absolutely wrong. The amount of {$1000.00} was not from Citibank. I did not use Citibank 's credit money to make the purchase. It was supposed to be considered as 'payment ', not 'refund '. Thus, they had no rights to deduct anything from my cash back reward. Please help me work out a solution with them. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is posting fraudulent information on my account. The missed payments is hurting my credit, and I want the account to be removed. Equifax is the only bureau that has this on my account. XXXX and XXXX did their investigation and deleted it. The account was paid off in XX/XX/XXXX by XXXX XXXX ( XXXX ). XXXX can't provide proof of all of my previous payments. They reopen my account to make it seems like I am making payments. Please help me to remove this off of my credit report.
Product: Student loan

Mohela was made aware of the Adversary Hearing and a phone call confirmed. However they stated that they did not receive the discharge document that was mailed to them once the XXXX signed the order. The order was signed on XX/XX/XXXX. I emailed them on XX/XX/XXXX and included the signed order and then called to confirm they had it in their records. I was told it needed to be sent to their legal team, would then be forwarded to XXXX XXXX XXXX, and after their approval would remove the incorrect information from my account. I emailed them again on XX/XX/XXXX and again today. Hold times are over XXXX hours and I have been " disconnected '' multiple times. I have filed a complaint with the Department XXXX as well and they also were unhelpful and referred me back to Mohela. I have a complaint that is still pending.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am being charge from XXXX for an amount of {$200.00} and a few cents on my credit card statement when I had started to dispute on this there were several things going on with my account pertaining to unknown charges on my account was restricted until they fixed all of my accounts. I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from I just received a charge back about a month back when I didnt even receive anything from my credit card company which is capital One financial services for my MasterCard stating that they needed additional information from me and when I did provide it they said that it was already too late that its past the guidelines of massive car to continue the dispute process and Im being held liable for a charge that I never got any goods from.
Product: Credit reporting or other personal consumer reports

I guess someone applied for credit in my name. I had 4 inquires on my Trans Union and XXXX  credit report. I didn't not apply!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Despite having already filed a dispute and providing all the necessary documentation, the credit reporting agencies and the companies responsible have failed to remove these inaccurate collection accounts.

This is the second formal complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) because the previous complaint was ignored, and the inaccurate collection accounts continue to appear on my credit report. These accounts are causing significant damage to my credit score, and the continued reporting of this erroneous information is both misleading and a violation of my rights under the FCRA. 

Collection Accounts : 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 The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy of the data they report. Specifically : Under 15 U.S.C. 1681b ( c ), the companies reporting these collections must have a permissible purpose for accessing or reporting this information, which they have failed to demonstrate.

Under 15 U.S.C. 1681s-2 ( b ), the furnishers of information have a legal obligation to correct and update inaccurate or incomplete information once a dispute has been filed. Despite receiving my dispute, these furnishers have neglected to update or remove the inaccurate information.

Furthermore, the 15 U.S.C. 1681e ( b ) provision requires credit reporting agencies to adopt reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. By continuing to report these erroneous collection accounts, the credit reporting agencies are in direct violation of this provision, and I am seeking corrective action under the law.

The Federal Trade Commission ( FTC ) has issued clear guidelines about the obligations of credit reporting agencies and furnishers under the FCRA. My complaint is further supported by FTC Report XXXX. XXXX, which underscores the need for compliance with these legal obligations.
Product: Mortgage

HUD statement and Deposits into Escrow seem to match and accurately estimate/account for all required disbursements. Lender however is explaining that the disbursements on the account put escrow in negative balance of over {$5000.00}. No mathematical model I have been able to devise gets myself, the title company, or the loan originator to the same figures Penny Mac is billing me for. The HUD statement accounts for disbursal expenses and the only increases in insurances not on the HUD Total roughly {$540.00}. If paid XXXX months up-front, the HUD total accumulated amount covers expenses less the increase in insurances how could the balance possibly go into the negative past the amount of insurances increase? I believe I am being billed XXXX for XX/XX/XXXX MUD taxes that were collected since loan origination, although clearly included in the HUD the MUD tax was not paid in XX/XX/XXXX but in XX/XX/XXXX. I have repeatedly asked representatives to share the mathematics that equate to the negative balance and they can not and have blamed increases in insurances and taxes that do not exist. I have worked with all parties involved to attempt to resolve and after working with the title company and agent who wrote up the loan originally was instructed to submit this complaint.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint against XXXX for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : Company Name : Experian Company Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX ( Experian ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX BANKRUPTCY XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to XXXX requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 
XXXX. Desired Resolution : I request that XXXX immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to Experian, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 


Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Citibank '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.
Product: Credit reporting or other personal consumer reports

I've been grappling with Equifax for well over a year concerning my XXXX XXXX dispute, and it feels like I'm stuck in a never-ending cycle. Despite providing Equifax with numerous documents confirming my survivorship status, they continue to reject them, even though these documents meet the criteria under the debt bondage act. Other credit agencies like XXXX and XXXX have a

ccepted these documents without issue. Equifax, however, seems to have its own set of rules when it comes to verifying certain documents, which adds to the frustration. Each time I have to engage in this dispute process with Equifax, it dredges up painful memories that I'd rather not relive. It's traumatizing, embarrassing, and deeply hurtful to constantly revisit these experiences. Equifax treats this dispute like any other, despite the
sensitive nature of the situation. Whenever I call, hoping to speak to someone who can help, I'm informed that the department handling these disputes is outsourced to a legal team. This outsourcing not only complicates the process but also raises questions about Equifax 's commitment to assisting victims of XXXX. 

I've exhausted every option available to me and my caseworker to resolve this, but Equifax seems uninterested in cooperating. The emotional toll of constantly having to prove my XXXX  is immense. Equifax 's lack of transparency regarding their document review process adds to the frustration. Why do other credit agencies accept the same documents that Equifax rejects? It's a question that remains unanswered, as Equifax 's customer service offers nothing more than scripted responses that do little to address the issue at hand.

In essence, navigating this ordeal with Equifax has been a distressing experience. The company 's reluctance to accept valid documentation and their opaque dispute process only compound the challenges faced by XXXX XXXX XXXX like mysel
f.
Product: Credit card

i have a juniper credit card. I have been falling hardship times since XXXX and I notified this company at that time. They kept tacking on fees one after another. They have a program for hardship times and will not let me have it. I have Been unemployed from end XXXX till present. I just had a XXXX as well. It has been tough. I did not say I would not pay but they keep tacking on fees and when I paid in XXXX it was n't enough. They have harassed me so much and said that my monthly payment is not enough but they have tacked on so many fees I will only pay my monthly amount as I am on a budget and it is too much a month for me to handle. They kept tacking on fees even before XXXX. I have notified them numerous times of my situation and they will not work with me. Now my minimum payment is almost XXXX because of their fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND 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 HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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: Debt collection

XXXX has added a collection account to my credit report. However, this account was listed in a police report as identity theft. This was confirmed by Barclays bank and was removed from my credit report by them. XXXX has no right to have re-added this account to my credit report or make any attempt to collect. I'd like this addressed immediately by XXXX  or I will be forced to hire legal counsel. XXXX has also already removed this from my credit report after confirming the account wasn't mine and is reposting it in violation of the fair credit reporting act.