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

I have disputed with the three credit reporting agencies, Transunion, XXXX and XXXX, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
Product: Credit reporting or other personal consumer reports

Notice of INTENT TO SUE! Experian, XXXX XXXX XXXX have an Tradeline that was Furnished on my Consumer File that has Fraudulent and Inaccurate Status Reporting Private Data shared Without Consent. Tradeline { XXXX } Distributed Private information without disclosing the Three Disclosure to Opt out of My Non Public information being shared to an nonaffiliate third party ( Experian, XXXX and XXXX ) Have this information I demand this Tradeline Be Removed Immediately. They have an Experience reporting that the tradeline was Late ( XXXX, XXXX, XXXX and XXXX ) which is Inaccurate and unverifiable Due to tradeline Charge-off status
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report even after your investigation, I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX  and account number is XXXX
Product: Credit card

I received an email from Citi Strata Premier atXX/XX/XXXXon XX/XX/year> stating " your new card will arrive soon ''. To my knowledge, I've never done business with Citi and can confirm that I did not request a credit card from them. When I saw the email today aroundXX/XX/XXXX I called the customer service number in the email and went through the process to cancel the account using the automated service. I received an email today around XXXXXX/XX/XXXXfrom Citi stating that my account has been closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I did not authorize these accounts. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts be removed promptly.

Fraudulent Accounts to Be Blocked and Deleted XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4700.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6500.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2600.00} XXXX. XXXXXXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$15000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2800.00}
Product: Credit card or prepaid card

I applied for the Citi XXXX credit card on XX/XX/2021, and they declined me for this credit card within 30 seconds. My credit scores are between 712 and 730. I am a very responsible credit user and always keep my utilizations below 10 %. I do not have any late payments and I do not have any bankruptcies or derogatory marks or anything negative at all on my credit card. I have an income and feel that I should have been approved for this credit card. I now have a hard inquiry on my credit report.
Product: Mortgage

I've paid {$1200.00} a month to Truist bank via my credit union for quite some time now. The beginning of XXXX I checked my credit score through equifax like I normally do and find out my score dropped close to XXXX points. Truist bank reported me as past due on my XXXX and XXXX payments. I called them and they stated that I DID in fact make both payments of {$1200.00} but they were applied towards the principal only due to my monthly payment going up approximately {$80.00}. I paid them the difference to bring my account current and they supposedly fixed things. I checked my score about a week later and now my score is down another XXXX points to approximately XXXX after being well over XXXX. Truist said they never corrected the XXXX payment but they would take care of it this time. I've worked very hard to get my credit score above XXXX and have never paid Truist or anyone else late. It is absurd that my score gets ruined over less than {$200.00}. Perhaps I did miss the letter they sent out XX/XX/XXXX stating that my payment changed but I lost my job the end of last year and have been dealing with that. How about a simple email, text, or even a phone call/voice-mail telling me my payments were short?? I was not communicated with by Truist in any way regarding my payments being short or I would have gladly payed them the difference on the spot. I did request a dispute with Truist and they basically told me there is nothing they will do. Reminder ... .apparently this stays on my credit until XXXX. Not right, not fair, not cool. So I am treated as though I didn't make the payment at all? This bank is absolutely terrible.
Product: Mortgage

During my bankruptcy, I try to modify my loan. Ocwen agreed to do so. I did my trail payments successfully and then signed the agreement letter. During this time suddenly Ocwen refuse to do the modification. on XX/XX/2015 they sent me a letter saying that Bankruptcy court denied approving the modification. Since that time Ocwen did not provide me the letter from Bankruptcy court saying about this denial. I would like to have that letter. Ocwen also did not maintain the interest rate they suppose to charge me. 
I have an email which I sent to Ocwen in some detail, I am going to send to you for your kind information and consideration. Please help me. 

thanks
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/XXXX I placed an order for Bitcoin Cash ( BCH ) on XXXX. The order was placed at {$5400.00} and {$5300.00} USD per BCH, which was far higher than the website showed at the time that I clicked " Place Buy Order ''. Shortly after, all BCH trading on XXXX and their parent company Coinbase was halted. Trading did not resume until the following afternoon, at which time the price had dropped to under {$4000.00} USD. The highest price that BCH ever hit according to Coinbase 's own website was {$3400.00} USD on XX/XX/XXXX. I opened a support ticket with XXXX on XX/XX/XXXX and have followed up twice since. I have only received an automated response that they are " experiencing an unprecedented level of traffic ''.
Product: Checking or savings account

On or about the XXXX of XXXX Santander Bank blocked my online account without notice. I called the bank and they stated that my account was under review for fraud regarding XXXX  transactions. Since that date I have called repeatedly first daily then weekly now monthly. The bank has not communicated with me regarding this review either by phone communication or written correspondence. Each time I call I get no update from the Fraud Prevention department. I have contacted the branch for assistance with also no results. Now after 2 months, my accounts are being charged monthly service fees when I have no access to my accounts. My business account was never involved in this XXXX  issue and it has ben on hold since opening. If I have done anything wrong regarding XXXX, then I should be told and not have my accounts arbitrarily frozen without any notice after now 2 months.
Product: Debt collection

Upon reviewing my credit profile i noticed a collection from WORLD FINANCE COMPANY that was opened on XX/XX/2015. I have no knowledge of this collection nor have i received any notices of attempt to collect this debt which is a violation FDCPA and also a violation of the FCRA i was never notified of this debt and upon submitting a dispute to the 3 major credit agencies the account was somehow verified i would like all pertaining information on this account sent to me, as i am a victim of fraud and believe this account was fraudulently opened ... attached is a copy of my police report
Product: Debt collection

Dear XXXX, SYNCB/CARE CREDIT ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

Calls many times a day at different times. They never leave a message. They call from XXXX The company IC, systems I will also forward a copy of this complaint to my attorney. XXXX XXXX who will handle this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
Product: Checking or savings account

Dear Sir/Madam Since XX/XX/XXXX, I have been a Checking account ( # XXXX ) holder with the Citibank N.A, maintaining a monthly balance of approximately {$5000.00}. From the very onset, the bank offered me the benefit of a {$5100.00} overdraft checking protection privileges. My 35 years old overdraft checking protection portion of the account enjoyed an impeccable history of timely payments of all the charges made relating to that account. 

In the midst of the horrific happenings of the global pandemic virus known as Covid-19, Citibank had the audacity to terminate the overdraft checking protection portion of that account, using the pretext that since my credit score has gone down, the bank policies do not permit me to keep the overdraft checking privileges. I became greatly distressed when several checks got bounced, resulting from a lack of protection offered by the overdraft checking privilege. 

I immediately contacted my local Citibank branch, located in XXXX, New york to discuss my plight with the bank manager, who totally understood the wrongdoing perpetrated by the bank 's Credit underwriting unit. On my behest, She made repeated requests to the banks credit unit explaining to them that the decline in my credit score was caused purely by the Covid-19 environment as I did, temporarily losing a portion of my income. 

All her efforts failed and the bank issued a canned response ( copy  enclosed ), rejecting my case by citing arbitrary and capricious bank guidelines, and frivolous policies and procedures. I am a XXXX years old retiree, surviving on pension, social security and investment  incomes that are enough to enable me to have a comfortable lifestyle. The purpose of seeking overdraft protection privileges is to tackle unforeseen emergencies. 

Your assistance in resolving this matter in my favor will be greatly appreciated. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a five year car loan with capital one bank with a monthly payment of XXXX  on XX/XX/XXXX I prepaid this loan in the amount of XXXX and there after I pre paid the loan $XXXX per month till today XX/XX/XXXX my last payment is due XXXX the issue I they accrued some XXXX in late fees as they railroaded me a a customer. Now mine you the were able to collect some 4 thousand dollars in interest and they refuse to wave the late fees
Product: Mortgage

Hello, I was in the COVID forbearance program with XXXX XXXXXXXX XXXX. I applied for a loan modification with XXXX XXXX XXXX to restart making payments on my mortgage. XXXX XXXXXXXX XXXX transferred my mortgage to Shellpoint Mortgage. 

I re-applied for a loan modification with Shellpoint mortgage and XXXX ( XXXX ) weeks later I have been told several different things by different Shellpoint employees. 

Yesterday I was told by a XXXX XXXX that my loan modification would NEVER work or be approved because my hone has equity. 

If that is the case then not XXXX homeowner in America would ever qualify for a loan modification because every single property has equity right now. 

Even with sufficient income I have been told that my loan modification will eventually be denied even though I have complied with all requested documentation. 

It makes no sense what Shellpoint Mortgage has been telling me. My single point of contact has answered my call only once and only sent automated emails telling me she will call within 24-48 hours and never calls. Her name is XXXX XXXX. 

Im asking for help with someone that can voice my issue and issue that other homeowners have to be facing with loan modifications. Too much equity in my home? Makes no sense at all. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX  # XXXXXXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive had an issue with Experian showing my car loan as open but it has been paid off for 7 months. I sold my vehicle back in XXXX of XXXX  and paid off the loan. Ive tried to dispute it many times through Experian with no solution. It has been over 7 months now and they are still showing the account as open with an outstanding balance. Theyve even told me to speak with my bank XXXX but when I spoke with the bank they said it is an issue on Experians side because the account is closed and the loan has been paid so they cant do anything. Experian of course has done nothing to help. Every other credit bureau is showing my car has been paid off. This has been very stressful because i can not take out a new auto loan to purchase a vehicle.
Product: Credit card or prepaid card

Promptly and timely filed complaint made via telephone to American Express on or about XX/XX/2018, in regards to a lost credit card and a couple of fraudulent charges on my account, the account number was transferred to a new card number. Reported the charges to American Express as follows : all posted on XX/XX/2018, {$52.00} XXXX XXXX, {$170.00} XXXX XXXX XXXX, XXXX XXXX {$89.00}, XXXX XXXX XXXX {$67.00}. I was advised I was not responsible for fraudulent charges. Somehow, American Express coded my dispute incorrectly and sent me four letters dated XX/XX/2018, with copies of the credit sale and that the dispute was being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not credit the correct amount on my credit report continuing to report an incorrect high balance. 
They changed the High balance- {$80.00} on my credit report in XXXX, they did not include the {$4400.00} plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong amounts inflated to XXXX a collection agency scam reported it without the creditor 's permission. The credit reporter company did not remove it after a dispute was filed.
Product: Credit card or prepaid card

My CITI credit card company has not refunded the following fraudulent transactions totaling {$130.00} which occurred while I was out of country on vacation. I notified them prior to the travel vide travel notice reference # XXXX dated XX/XX/XXXX. 

XX/XX/XXXX : XXXX - XXXX XXXX XXXX XXXX CA - {$57.00} XX/XX/XXXX : XXXX - XXXX XXXX XXXX XXXX CA - {$75.00} The last 4 digits of the credit card account number are XXXX. 
Here 's what I did so far : 1. Mailed written request for dispute via USPS certified mail dated XX/XX/XXXX. 
2. Called the customer service in XXXX to follow-up on my case and was informed that nobody has looked into my case yet. 
3. Called the customer service for a 2nd time in XXXX and after 2 hours on the phone a representative said they would look into it and did not provide a time line for resolution. 

It has been 3 months since I initiated the dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I notified the agency that I am a victim of identity theft via certified mail. The agency continues to report information from the identity theft. According to Section 605B of the FCRA, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that the information may be a result of identity theft, upon receipt of an identity theft report. I have provided them with my FTC report numbers XXXX and XXXX, along with the requested documentation. 
Section 623 ( a ) ( 6 ) of the FCRA necessitates furnishers to block reported information in the consumer 's file, identified as resulting from identity theft, within four business days of receiving appropriate proof of identity, an identity theft report, identification of the information by the consumer, and a statement asserting the information 's non-involvement in any consumer transactions. All requisite documentation was provided by me. 

The agency failed to fulfill its obligation under FCRA 15 U.S. Code 1681c2 to block the reported information within the required timeframe, constituting a violation of law. As a result, the agency is civilly liable to me for willful noncompliance, and I am entitled to actual damages as per 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}