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

Equifax continues to report inaccurate personal information on my report and are refusing to change the inaccurate information. Additionally and moreover, Equifax is now engaging in the unlawful and illegal practices of not updating the consumer credit report monthly. In some instances, Equifax is reporting account balances before payments are due for the month so that they can carry a higher balance from a prior month and report higher credit usage. For example, Equifax reported on XX/XX/year> my XXXX XXXX balance from the prior month for which payment was not due until XX/XX/year>, resulting in the report of an inaccurate higher account balance. As a result of this practice, I am being reported at a much higher usage rate of 68 % which in actuality is at 25 %, which is negatively impacting my credit score and my ability to secure a loan at a reasonable interest rate. It is XXXX/XXXX/XXXX, however, Equifax is still reporting an inaccurate balance from XX/XX/year>.
Product: Mortgage

I reached out to Wells Fargo about my FHA loan on XX/XX/XXXX. I spoke to a home preservation specialist named XXXX. I explained the financial hardship situation I am in stemming from my XXXX XXXX XXXX in XX/XX/XXXX. He said the only thing they could offer was to take my past due payment and add it to my regular payments beginning in XX/XX/XXXX. I cant lose my home. I asked him about my home being foreclosed on, he assured me that I didnt have to worry about that. I received an email from Wells Fargo in XXXX reminding me of my upcoming payment. I logged into my app and made my XXXX payment ( which is two of my normal mortgage payments I had to borrow from my brother ). XXXX comes, I log in and it wont allow me to make a payment. I reach out XXXX, no return call yet ; but its still XXXX so Im not worried yet. Then today I get a letter in the mail saying Final Hearing - Foreclosure. How? When was the initial hearing???? Why wasnt I notified? This isnt right? How can they do this? I called and have an email confirming the call on XX/XX/XXXX setting up the modification. I made the payment in XXXX and have proof of that, even though its very high ( double ). Yet Wells Fargo has concurrently, and illegally, filed foreclosure on my home as if they hadnt communicated with me and set up a modification for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2021, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with 3 different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.
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. 

Convergent Accounts XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX ... has violated my rights. 

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card, auto loan account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds transfer act ( EFTA ) as it requires timely access to my funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX XXXXXXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX XXXX after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I got my credit report Notice on my credit report agency 's showing no payments or late payments with missing. Which wasn't true. I Made ( XXXX XXXX XXXX ) always on time don't miss payments l spoke to company Name ( XXXX XXXX XXXX  ) stated credits bureaus companies reports Late the company manager gave me printouts to disputed.

Negative rating notices no changes scores instead no changes l haven't been late or miss payments from company.
Product: Debt collection

I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX  account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit card or prepaid card

For the last four ( 4 ) years, I have been charged late fees of {$40.00} each when I make my credit card payments to Chase Bank, even though I'm not late ; in fact I'm always early. 

This has been going on for at least 4 years, and I've brought it to the attention of Chase as late as last week, again. 

I pay all of my monthly bills through my online bill pay with XXXX XXXXXXXX XXXX  and the funds comes out of my checking out. 

To ensure that none of my bill payments are in fact late, I make all payments through the aforementioned account at the same time. 

My payment with Chase Bank is not due until the XXXX of each month, however, since I pay all of my bills at the same time at the first of each month, I do the same with this Chase payment so that I will not be late. 

Sometimes, the payment will go out at the end of the month for the following month to ensure that the payments are not received late. 

I'm never late, but early, and Chase Bank charges me a late fee each month in the amount of {$40.00}. 

Please advise.
Product: Debt collection

They are trying to collect exempt funds refusing to stop there calling when told to stop
Product: Credit reporting

This Bureau needs sanctioning and monitoring consistently. We have inquired an inquiries and nothing done this bureau suggested you the consumer to contact the Inquiry Companies When it is the bureau to remove them when you call the companies they all suggest bureau removal when Fraud Alerts are filed. We get No where with Equifax they delay removal and refused to delete even with Court Ordered Removals. We are XXXX and look for your help to correct this report and STOP this bureau from doing nothing more than VIOLATING the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and I did not authorize them. Please have them removed asap. 

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 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
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please
Product: Credit reporting

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX NOT MINE, No proof of debt- University XXXX No Proof of debt- XXXX NOT MINE, No proof of debt XXXX NOT MINE- XXXX WRONG. Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1: USC 1692g Sec 809 (b) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for "legalization" via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX KY accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.
Product: Mortgage

this is in reference to No. XXXX, as there is a long history of this complaint. My brother-in-law, XXXX XXXX, is the executor of my late ex-husband 's estate, which includes a condo financed with Bank of America, a HELOC, and originally a first mortgage Bank of America sold to XXXX who subsequently sold it to XXXX XXXX. I am on the mortgages, which I quit-claimed to the my now deceased ex-husband, XXXX XXXX XXXX, brother of XXXX XXXX, who is the heir and executor of the estate. XXXX XXXX XXXX and myself have repeatedly requested in writing that Bank of America and XXXX XXXX recognize XXXX XXXX XXXX as the power of attorney and executor of the estate and correspond with him at this address. Bank of America continues to refuse to cooperate with XXXX XXXX and still insists on sending all correspondence to the deceased 's address after they have been told that address no longer exists for XXXX XXXX XXXX as he is deceased. XXXX XXXX XXXX sends payments to Bank of America and they apply them to another real estate loan XXXX XXXX XXXX has and they file late notices on my credit report, as I am still on the mortgage, but have no interest in the property that is the subject of this complaint. Bank of America just simply refuses to respond to any pleas to straighten out this nightmare they have created and now they are trying to destroy my credit rating. Now you have dismissed the complaint because of no authorization from consumer. I have written to you giving you authorization, SO NOW YOU ARE BEHAVING THE SAME WAY AS BANK OF AMERICA. XXXX XXXX XXXX and I are totally frustrated by this behavior as you should be bringing Bank of America into compliance instead of dismissing this complaint without proper investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX - ; XXXX  XXXX  XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX  XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX  XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 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 XXXX XXXX XXXX  : XXXX XXXX XXXX  Delaware XXXX XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Child Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

In XXXX of XXXX, my daughter and I applied for a VA Loan to purchase the house we are now in with NFCU, we recently applied to convert to a VA loan, same type of interference. 
Both of us are totally XXXX XXXX veterans, our credit and income were excellent. 
My daughter was told that before we could apply, one of us would need to sell our house before we could do that. 
In order to get the house locked down, she had to take a cash quick buy which cost her around {$55000.00} from what it sold for just a couple weeks later. 
Then after that was done and irreversible, they told her we werent qualified for a VA loan since we were father and daughter and not husband and wife. 
That forced us into a conventional loan and financial hardship on my daughter and stress on both of us. 
Now they seem to be looking for any excuse they can use to call a denial of our complaint and loses as a resolution. 
They keep requesting to rerun credit which they know will damage the rating. 
NFCU employees have persistently refused to fix the problem, and appear to violate many of our rights as XXXX veterans. 
Our pain and suffering are real to us, although those who deny us our EARNED BENEFITS, dont seem to care. 
All NFCU has done since my daughter filed her first complaint, they have shown a pattern of manipulation, which appears to be harassment toward my daughter whos been a member for XXXX years. 
They have made no effort to reach a resolution, however, theyve made every effort to deny our VA Loan, no appraisal even at this point.

Also, Im wondering why the resolution department at NFCU is involved in the loan process, gives me the appearance of XXXX syndrome. 
They have denied two XXXX  totally XXXX veterans, whose family gave up their peace and health so those who hurt us could live free and safe, their rightful benefits. 
We are tired of being stepped on and abused by those in NFCU who dont seem to follow proper policy or laws in assisting us, they need to be stepped on hard so this is never a problem in the future, and makes me wonder how many have been denied falsely by these people who think they are so intelligent they dont need to understand and follow policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was wrongfully " Denied '' credit. So I called up " Equifax '' to instruct them to mail me my " Free '' annual " Equifax '' credit report. " Equifax '' then told me that I would have to " Pay '' for my " Free '' annual credit report!!!
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 

XXXX XXXX XXXXXXXX - not mine XXXX  - XXXX - not mine XXXX XXXX  - XXXXXXXX XXXX XXXXXXXX - not mine XXXX  XXXX - XXXX - not mine - inquiries attached also are nto mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I am a consumer of the United States and Rushmore LMS is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are false representing my character because they are accusing me of a alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX. Stating all the violations and harm, Rushmore LMS has committed.
Product: Student loan

On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report from all XXXX bureaus Experian, XXXX, and XXXX. By law code 15 usc 6802. I have not received a disclosure on these inquiries. I have not agreed to any of these matters. I ask that all inquiries are removed from my credit report.