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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by XXXX. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : Experian and XXXX both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while XXXX and Experian has the same. 
XXXX. Comments : o Experian : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : Experian and XXXX both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  : Is showing as {$0.00} on the Experian report but is correctly listed as {$5600.00} on both the XXXX and XXXX reports. 
XXXX XXXX XXXX XXXX for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how Experian should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILD SUPP Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILD SUPP Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Greetings, I am on long term XXXX receiving {$13000.00} monthly income thats non-taxable ; XXXX credit scores and have sufficient equity in my home. I requested an equity loan from them, asked that they pay creditors directly. 

Was told that I wasnt qualified the second time because my owning a business that took a financial loss that took my XXXX over 49 %. 

My accountant provided Discover Home Loan with information that Im no longer affiliated with the business thats now profitable. Additionally I provided time stamped communication between myself and the other person thats the owner where I bequeathed my ownership interest thats time stamped. 

When I last spoke to Discover XX/XX/23 I was told if I was able to provide signed proof from my account of the changes that Id be qualified as Im well under 32 % DTI. I have jumped through numerous hoops, havent received return calls/communications and am independently guided differently each time. I dont believe theyre taking the time to read, are not well versed in individuals receiving-disability thats at the amount that I have, nor are they interested in advocacy for applicants. This has been a waste of my time to this point. I know Im capable of repayment. Documentation has been provided directly from attorney dispersing trust proceeds to me as well as accountant. If this had no chance of approval I wouldnt have gone through this process twice, nor would I have solicited time of law firm nor accounting firm. 

I have spoken to countless employees that truly follow through. Its to the place of being quite discriminatory in nature. 
Ive provided exhaustive information and its not even being reviewed. The illustrative information isnt being documented nor conveyed. 
I havent received follow up. 

An acceptable solution at this juncture is my equity loan approval at the lowest rate. If there were any problems I should have had this information conveyed long before earlier this week because I called. 

If I dont receive follow up I am reporting this issue to housing, lending authorities as well as ADA advocacy organizations. 

This is complete inappropriate treatment, handling and anything but professional. 

Thank you in advance for your timely attention to this matter. 
I need to speak with the executive committee.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Student loan

On XX/XX/XXXX it shows claim payment of over {$29000.00} along with interest and they can not tell me why or apply it to my account. I have been in contact with since XX/XX/XXXX. I want to know why the credit is on there and why they have not credited my account
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$9600.00} XXXX XXXX XXXX {$4000.00} XXXX  XXXX  XXXX XXXX XXXX {$3600.00} XXXX - XXXX {$0.00} XXXX - XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

On Saturday, XXXX XX/XX/2024, my email inbox was flooded with hundreds of new subscriptions to websites to which I had not subscribed ( I was, at the time, flying with my husband and XXXX children, from my XXXX, XXXX  home to visit my parents near XXXX, XXXX  ). Buried within this flood of emails, as I noticed not until Monday, XXXX XXXX ( I was visiting with family, celebrating my parents ' XXXX anniversary and attending my niece 's performance of XXXX XXXX XXXX, so sorting through my piles of spam email were not my top priority at the time, though this oversight is turning out to be very costly! ), were XXXX crucial messages : XXXX, a receipt from XXXX XXXX department store, for {$5100.00} worth of gift cards ; and XXXX, a notification from Chase to " please confirm this purchase, '' and seeking action on my part to do so. Upon finding these messages, I immediately clicked on the button ( inside the email ) that said " no, something's wrong, '' but -- at this point, XXXX days after the fact -- the link was no longer live. I immediately called Chase to report this fraudulent purchase and to close my credit card. Chase told me that the purchase had been declined, and all seemed to be well enough, in terms of my not being responsible for purchases that I did not make. On XXXX XX/XX/2024, I received a letter from Chase notifiying me that I would be responsible for the {$5100.00} because I " received benefit from this transaction, '' but I absolutely did not. Thieves had used my card number to purchase gift cards, and somehow they apparently also hacked my email to approve the declined purchase from Chase. I have provided Chase investigation team with screenshots of my flooded email inbox -- full of new subscriptions that I didn't seek out -- and also PDF documentation of my flight ( I was out of town when these gift cards were presumably delivered, and someone on the ground in XXXX must have picked them up? ) and the receipt from XXXX and the notification from Chase. I am disappointed that Chase 's protections not only let this purchase go through but also that they're unwilling to accept my argument ( and various documents ) as evidence that this was fraud. I have been a loyal customer for years, paying my bill consistently and making purchases with care and prudence, and this exorbitant charge is deeply out of character -- and Chase rightly flagged it as such, to begin with, only to then let the charge go through, without my approval, subsequently. As of XXXX XXXX as I write, Chase has reopened my case, per my request on XXXX XXXX, and I am filing this claim with hopes that this claim might further help to resolve the issue.
Product: Student loan

I was told that because my co-signer filed bankruptcy that my loan had to be in forbearance and that I was not eligible to receive any information about my account during the 5 years. Since then, {$5000.00} in interest has been added to the loans, that I was not given an option to pay. Now I have called 3 times and they stated they to not do income-based repayment plans and the only option I have is an Interest only plan for 2 years.
Product: Credit card or prepaid card

I called Bank of America in late XX/XX/XXXX and asked for help with my credit card due to the covid-19 pandemic crisis. I specifically asked for a lower interest rate but was told that I could only postpone payments but Im writing this because that would only exacerbate the problem resulting in a higher balance in a few months making it even harder to pay this card. 
Ive had this credit card for a few years and was making large payments back in XXXX. But I had to relocate due to the XXXX XXXX fires and my XXXX and take a lesser paying job and pay a higher rent so I couldnt make high payments but continued making payments on time for the past 2 years. Unfortunately, the high interest rates diminished my payments and made it impossible for someone in my situation which is even worsened now by another natural disaster to pay off this card. 
Ive paid {$530.00} in interest only during XXXX ( XXXX XXXX statement attached ). Ive paid {$680.00} in interest only during XXXX ( XX/XX/XXXX statement attached ). Ive paid {$190.00} in interest only this year up to the time of my last statement of XX/XX/XXXX. These add up to {$1400.00}. 
My average balance has been a little more than {$2000.00} since the beginning of XXXX. Ive already paid more than half of what I owe in interest which is at 22.99 % now but was 23.99 % in XXXX and 24.49 % in XXXX. Therefore, I ask Bank of America to please help me by lowering the interest rate at least 10 points so that I can pay this balance off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested my report from LexisNexis to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in 2 weeks. I have yet to receive the report. 

I then started calling all 3-credit bureaus to dispute any information that was received by LexisNexis due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. 

XXXX on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the CSR XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with LexisNexis and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since XXXX uses them as a third-party vendor that my credit report should be cleared from negative reports that LexisNexis has provided them because they are not abiding by the Fair Credit Reporting Act. 

She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that LexisNexis obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact LexisNexis and dispute the bankruptcy information and will have a response available within 30 days ( about 4 and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by LexisNexis should XXXX deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. 

After completing my call with Supervisor XXXX, I then tried to call Lexis Nexis regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.
Product: Mortgage

I am filing this complaint because of the response that I received from Carrington Mortgage Company saying that they would not address my Error Resolution Notice under 12 C.F. R 1024.35 because it was a duplicate request. The mortgage company is claiming that they already addressed this information from an Information Request letter that I sent XX/XX/XXXX. I do not agree. These are very separate issues. The letter I sent in XXXX was requesting the ledger for our mortgage covering the time period that were in XXXX XXXX bankruptcy and an explanation of why the amounts overdue on the statements were incorrect. I thought that when someone ( s ) is in an active chapter XXXX bankruptcy that the mortgage company had to provide accurate statements. They waiting until the bankruptcy got to the end, then all of a sudden we find out that we owed more money. Why wasn't the statements updated to show the amount they are now claiming was due?. 

Attached are the letters that I sent to the mortgage company and the response I received from my Information Request dated XX/XX/XXXX. Their response regarding the mortgage statements does not make since to me. They had many months to fix the statements, why wait until the bankruptcy is closing ...
Product: Credit card

On XX/XX/XXXX I closed a secured credit card ( {$300.00} collateral deposit ) with Wells Fargo which I opened back in XXXX. At the time of closing I paid {$76.00} to bring the balance just to {$300.00} ( Collateral originally mine ) and waited for the account to close. 41 days later they credit the collateral back not without bringing the account to a whopping {$86.00} in interest and late fees. I received constant calls about paying the {$86.00} and the automated voice menu gave plenty of options to pay and 1 option to talk to a rep which I always chose just to hear " at this moment there is no one to talk to you ''. 

I called another number and talked and complained to a rep which after much consideration forgave XXXX of the XXXX late fees of {$37.00}, like XXXX late fee assessment was right and the other not (?? ) and no reversal whatsoever on interest charges. 

This card was offered to me back in XXXX to help me rebuild my credit and it has done absolutely nothing for this purpose, now it is about to HURT my credit rating. On top of everything I 'm closing a just {$300.00} secured card, not shutting down the economy of this country ; how come it takes FOURTY ONE DAYS to credit my deposit back. 

This is PRIMITIVE at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Original Creditor : XXXX XXXXT XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 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, XXXX XXXX XXXX
Product: Mortgage

My mortgage was behind because I was working part-time and then lost my job. Florida 's Hardest Hit payed the past due, plus 12 payments. The loan was in default again because I still had no income. I was told that I didn't qualify for modification without income. Once my social security XXXX was approved I applied for modification. I was told that I needed to pay the past due amount so I did. I was then told that I didn't qualify for modification because I was not past due. I was then told that once I begin making partial payments I would fall behind again and would then qualify. I contacted XXXX for assistance but Seterus would not speak to me with them on the line, so I spoke with Seterus on my own. I only had a few days to make a decision and I was sick with the XXXX. I later realized that my interest rate remained the same, my payment was reduced by a minimal amount and my loan terms were extended an additional 30 years. The original mortgage was 30 years and I have approximately 20 years of payments. I would like to know why the modification ( which I thought was designed to benefit me as well as my lender ) has left me with a 40 year mortgage. I called on XX/XX/2018 and asked for an explanation of the terms of the modification.
Product: Credit card or prepaid card

I am a victim of identity theft. My mother was the perpetrator of the crime and opened a credit card under my name and built a debt of {$12000.00} with out my consent or knowledge. I have provided substantial evidence to prove that I was not the person t hat engaged in the contract with Citibank. I included a policereport, and FTC report and copies of the credit card application, and IRS tax form, and a letter clearing me of a second credit card (  XXXX  ) that was opened as a result of Identity Theft that has the same information used to open the Citibank credit card. The evidence I includeded proved the fraudulent address, income, and phone number used in the application. Citibank has refused to recognize this case as identity theft. Citibank has yet to clear me of the debt, continues to hold me accountable for the charges that were made as a result of identity theft, has failed to abide by the Fair Credit Reporting Act, and has multiple times sent letters contrary to the statements made by the lead investigator. The investigator told me she 'believed my story, '' yet is still strying to collect.