23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax after reporting illegally and wrongly is engaged with lenders, creditors, and subscribers for the specific purpose of enriching their own bottom line, regardless of the accuracy of the reports. 
I requested a investigation letter dated to me XXXX XXXX, XXXX, disputing items on my current credit report. 
1. XXXX XXXX, informed Equifax that the creditor had issued a debt forgiveness form, ignored, stated that they verified the account, the real problem with the statement that they verified the account is the lender who address they list is n't there anymore, and upon my own call, does n't maintain a debt for me any longer. 
2. XXXX XXXX XXXX XXXX, Equifax stated in this letter that they verified this account, this account was sold to XXXX XXXX in XXXX XXXX, and paid directly to them, this account is n't even in Santanders inventory any longer, they lied. 
3, XXXX XXXX XXXX, this account is 12 years old, no activity for 12 years, conversation, payment or other communication, it is as statue past the reporting period but illegally being reaged by the lender, and conspiracy by equifax. In their defense they say it could be seven year from last activity or 10 years from date reported, its been 12 years. 

I am a combat veteran of the United States XXXX, and these illegal reporting is preventing from purchasing my first house, I am also a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a private student loan in XX/XX/XXXX with a cosigner from Citizens Bank to attend XXXX University for a two-year full time course of study for a XXXX XXXX XXXX XXXX degree. While in XXXX school I was paying off the accrued compounded interest on the loan so as not to have a balloon effect after I graduated. When I graduated from XXXX I owed about the principal balance of the amount I borrowed ( {$42000.00} ) from the lender, Citizens Bank. The loan servicer/processor was XXXX XXXX XXXX ( AES ). I entered into a monthly agreement of about {$220.00} after I graduated. The monthly amount was calculated based on the LIBOR of 8.5 % and the outstanding principal balance of the private student loan. In XX/XX/XXXX I contacted XXXX to negotiate a lesser monthly payment amount since my status had changed and I was now a XXXX. XXXX declined my request and since I was unable to continue paying the monthly amount, the loan went into default. 
In XXXX a housing counselor pulled my credit report and I saw that the private loan was reported as charged-off. She advised I contact the lender, Citizens Bank to rehabilitate the loan. I contacted Citizens Bank and was advised that the loan was charged off in XX/XX/XXXX. I entered into a monthly payment plan with Citizens Bank which was initially {$120.00} which later I renegotiated to {$50.00} based on the fact that I had no income. My current source of income is my son 's child support and his SSI. 
In XX/XX/XXXX my credit report was pulled by XXXX XXXX XXXX for assistance with my ongoing housing counseling issue. That was when it first came to my attention of the errors in reporting seen in my credit report in reporting status and the amount of debt which was listed as the highest and not the current as per my monthly payment plan with Citizens Bank. Please see attached supporting documents. I contacted Citizens Bank and was advised to contact each of the three credit bureaus. I received responses from each of the three individual credit bureaus refusing to fix the errors. Rather they wanted Citizens Bank ( loan furnisher ) to provide them with an updated status on my payments so far. I contacted Citizens bank via email at their request but I am yet to receive a response regarding my request to have the errors in reporting on my credit report with regards this private student loan amended. That is with regards to 1. The classification as debt collection instead of charged-off and 2. The amount of debt disputed which is reported as the highest balance and not the current  balance. 
I will be most grateful for your office 's response and action to ensure that this errors in reporting status on my credit report are addressed as my credit report and rating are being adversely affected by the day as long as these errors remain on my credit report. 
Thank you for your time and consideration in this matter and I look forward to hearing from you soon. I can be reached at XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!
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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX [ XXXX XXXX XXXX  ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

They call around XXXX and wake our kids up, they start calling at around XXXX and they call every 15-30min. Its been going on for roughly 6months
Product: Money transfer, virtual currency, or money service

Subject : Request for Reclassification of Dispute Numbers Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent. Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards. It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details. Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 XXXX XXXX PULLED MY CREDIT REPORT FROM EXPERIAN. I CONTACED XXXX XXXXAND I SPOKED TO BRANCH MANAGER XXXX XXXX PHONE XXXX-XXXX-XXXX AND HIS TEAM REQUESTED FROM EXPERIAN TO REMOVED THE INQUIRY FROM MY REPORT AT THE TIME ICONTACT EXPERIAN AND SPOKED TO A SUPERVISOR HIS NAME IS XXXX NO IDEA # GIVEN BY NO LAST NAME BESIED HE REFUSED TO GIVE ME ANY INFORMATION AND HE WAS ROUDE. 
THANK YOU, XXXX XXXX XXXX-XXXX-XXXX
Product: Mortgage

My loan servicer was transferred from XXXX XXXX XXXX to ShellPoint Mortgage Servicing in early XXXX. However, the principal balance at ShellPoint is not correct. I have provided a statement from XXXX XXXX XXXX to ShellPoint by mail a few weeks ago and followed up by uploading a statement to my ShellPoint portal showing the payments I made at XXXX. I have called ShellPoint upwards of XXXX times to ask the status of it ( because I have a payment DUE ON XX/XX/XXXX ) but they just say it might not be looked at until XX/XX/XXXX. I also called XXXX XXXX or 3 times, and they just send me a statement to provide to ShellPoint rather than working with ShellPoint to fix the issue. 

ShellPoint and XXXX are both unprofessional and disorganized. There is no reason why my payments made to my prior servicer were not reflected on my account when the servicing was transferred from XXXX to ShellPoint. Even worse, when I call ShellPoint, they begin the call by accusing me of having a past due balance ( saying that I didn't pay my bill due XX/XX/XXXX ). This is incorrect, and has caused unnecessary stress and hardship to me. I am one step away from getting an attorney involved, but thought I'd seek the support of CFPB first. Below is a summary of the dates and payments I made to XXXX, which ShellPoint is refusing to put on my account : XX/XX/XXXX - {$15.00} ( extra principal only ) XX/XX/XXXX - {$1400.00} ( principal and interest payment, for the bill due XX/XX/XXXX ) XX/XX/XXXX - {$10.00} ( extra principal only )
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC Affidavit and other relevant documents.
Product: Mortgage

I owned a home in the XXXX area. XXXX XXXX XXXX XXXX XXXX is not doing a great job at all. I encourage you to read all the complaints of Bank of America from consumers. I honestly had the hardest time with the banks, and the banks are whining? I was never reimbursed for a check fraud complaint with the XXXX with BAC. I had lost my job, my car and wanted to short-sale my home. The XXXX answer was there is nothing we can do about it. 
I wanted to short-sale my home sooner but the Management Company of my condo refused to provide the realtor with the keys. I filed a motion to stay the sale. The Bank never called me. I filed several documents that were requested as a home modification. I am working part-time and I filed all my hardship documents. 
My realtors attorney filed the correct paperwork, and the bank lied and said that the documents were not there according to XXXX XXXX at Bank of America when XXXX XXXX stated all I needed was a copy of my license and this was all I needed. In fact, I know the bank lied because an employee of the bank requested that a XXXX form re-completed by XXXX XXXX, which was in part of the attorneys documents. The foreclosure attorney XXXX XXXX who works at XXXX XXXX , XXXX in XXXX would not return my calls, because as a consequence my short sale never happened ( the bank refused ), and put me through XXXX. My condo was placed on the Market for one day and returned to the bank. I wanted answers from the foreclosure attorney XXXX XXXX as to what happened to my property ( only on the market for a day? ), and I get no response when my home was put on the market for one day then taken off the market. I hear on the news that the banks feel that the XXXX is over aggressive. I have a part-time job and underemployed. I was put into foreclosure due to fraud of the Management Company and the Board members. I was forced out of my home with the hopes of getting my relocation expenses reimbursed, and to prevent huge damage to my credit which never happened. 
I filed against the bank a long time ago a complaint with the Federal Reserve, and all I get from BAC is a voice mail from the regulations Department from XXXX XXXX. I always had to call the bank with no return calls. I even escalated this issue to Management XXXX XXXX and she did nothing prior to the Bank making me go through all kinds of steps prior to a short-sale, which was denied. Bank of America lacks transparency and is not honest with consumers by dragging out the time and costs of a consumer trying to short sale a home. More importantly, May be engaged in illegal activity by non-actions. I strongly urge an investigation. I would like to Know what the status is with my home and so do the realtors in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I am very annoyed that you are still reporting this following account ( s ) ; JPMCB CARD Acct # : XXXX with a balance of {XXXX} in XXXX, XXXX and XXXX. I am a victim of identity-theft and I did not give anyone consent or authorization to use my personal information. Given this situation, I am writing this to request that you block all the accounts disputed as fraudulent on my credit reports. This is clearly a discrepancy that you are still reporting up until now! I have researched my rights regarding this so please grant my request immediately!
Product: Mortgage

Mortgage through LOANCARE We were in forbearance due to COVID, and approved for a modification as per the paperwork that was sent to us dated XX/XX/XXXX. Our new payment was to begin on XX/XX/XXXX with a modified loan amount which included the missed payments and new lower interest rate. Mailed back 2 signed and notarized copies as requested, and they were received by LOANCARE on XX/XX/XXXX. On XX/XX/XXXX there was an update in our online account that showed they documents were received. On XX/XX/XXXX there was an update to our account that stated our Mod changes were completed. THEY WERE NOT. Spoke with LOANCARE on XX/XX/XXXX to state that our account has not yet been updated even though it says our modification paperwork has been received and updated. XXXX stated to give it more time and to make my payment for XX/XX/XXXX as agreed {$1600.00}. Emails that have gone unanswered were sent XXXX, XXXX, XXXX and XX/XX/XXXX. Spoke with LOANCARE, XXXX, on XX/XX/XXXX and again was advised to give it more time, that the paperwork was in recording. Now all the information that was in our online account regarding the received documents has been removed, I do have screenshots. Meanwhile, automated calls are received daily from LOANCARE asking for us to call them back, we are being reported to credit bureaus as being late and I am no longer able to make online payments. Its almost impossible to get anyone on the phone. We are getting pre-forclosure letters from FHA and LOANCARE.
Product: Credit reporting or other personal consumer reports

To whom it may concern, XXXX. XXXX XXXX XXXX has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). XXXX. XXXX XXXX XXXX has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by XXXX XXXX XXXX including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) XXXX XXXX XXXX is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to XXXX XXXX XXXX. I XXXX XXXX is also revoking all rights XXXX XXXX XXXX from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between XXXX XXXX XXXX. I am also requesting that they furnish proof that they are licensed and bonded in the state of Georgia.
Product: Debt collection

My name is XXXX XXXX. The last four of my social is XXXXThe Best Service Company is reporting a collection account to the credit bureaus. This account is not mine. I filed a dispute with the nationwide consumer reporting agencies ( XXXX, XXXX and XXXX ). In addition, I called the Best Service Company on XX/XX/year>, between XXXX XXXX XXXX XXXX XXXXXXXX XXXX The first agent was a male named XXXX. After I asked to file a complaint against a rude agent, he transferred me back to the automated system ; this is known as call avoidance. I called back and a female agent identified as XXXX XXXX. XXXX interrupted me and continued to interrupt after I asked her not to. XXXX then deliberately and willfully disconnected the call. I called back and she did this three more times. XXXX disconnected the call on me for a total of four ( 4 ) times consecutively. I never used profanity. Again, this is call avoidance. This company has employees that are rude and unprofessional. This gives the company a bad look. I'm not surprised they have XXXX XXXX XXXX XXXX XXXXXXXX I seek to hold this company accountable. Again, this is not my account. I dispute that debt and I refuse to pay it.
Product: Credit card or prepaid card

I signed up several months ago for a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was approved for XXXX in credit from the XXXX XXXX XXXX XXXX XXXX XXXX card from FNBO. I spent about XXXX on the card and was making regular payments. 

Then one day I got contacted from my bank and was told that there were 2 suspicious charges against my account. When I looked at the charges they both had the same payment number and did not mention where they were from, they also looked different from any of the previous payments sent. Because I was not able to identify the charges my primary bank, XXXX, reversed the payments as potential fraud. 

After this occurred I did get notified from FNBO via an email that there were 2 reversed charges and I would be hit with 2 fees for the reversal. At this time I tried calling but no answer from the phone so I reached out to their online chat. Came to find out they charged me twice for my monthly autopayment. I was told that they would credit me back the fees for the reversal. So I went on the website to apply the payment and was met with an error message that said try again later. 

So I went back on the online Chat I explained what had occurred and was told that I would have to call to make a payment since the last charge was reversed. But they don't answer the phone and It's been months now that I have not been able to make a payment and they keep adding fees. In addition they lowered my credit limited to right about the current balance and they significantly increased my minimum payments. When I tried to apply for any relief on their website they claim I'm not eligible but then they send me letter telling me to apply. 

I did receive a letter but it did not state why the limit was applied, why the min payments were raised and then tried to claim that they did not take 2 autopayments, when in fact they did, I feel trapped by this bank and my credit keeps dropping.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SANTANDER CONSUMER USA Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.