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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXXXXXX bal. {$83000.00}, XXXX XXXX bal. {$820.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Close, XXXX XXXX XXXXXXXX XXXX. {$69000.00}, XXXX XXXX XXXXXXXX XXXX. {$75000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally request your assistance in resolving an issue regarding two accounts on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The accounts appear to represent the same debt, and I have repeatedly reported that neither account is mine due to fraud. Despite my efforts to dispute this, the accounts remain on my credit report, negatively impacting my credit. 

Below are the details of the accounts in question : Account XXXX : Creditor : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Charged off ; {$650.00} written off Account XXXX : Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account ; {$650.00} past due as of XX/XX/XXXX I initially reported this issue to XXXXXXXX XXXX XXXX, as the credit card was fraudulently opened in my name. Despite informing them of this fraud, they failed to address the issue, and the account was eventually transferred to XXXX XXXX XXXX. XXXX has since made repeated attempts to collect on this fraudulent debt, and I have consistently informed them that this debt is not mine. 

I believe these accounts are being reported in violation of the FCRA because : The two accounts represent the same debt, which results in duplicate negative reporting on my credit report. 
I have repeatedly disputed the validity of these accounts and reported the fraudulent activity, yet the accounts have not been removed. 
I am requesting that the CFPB : Investigate both accounts and ensure that they are promptly removed from my credit report. 
XXXX XXXX 's XXXX and XXXX XXXX XXXX to XXXX XXXX this fraudulent debt. 
Ensure that XXXX XXXX XXXX stops all collection attempts related to this debt. 
Although I do not currently have additional documentation, I am confident that my disputes and repeated notifications to the creditors, debt collectors, and credit bureaus should serve as sufficient evidence of my efforts to resolve this matter. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring these accounts are removed from my credit report. Please contact me if you need additional information to proceed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXXXXXX Account ID : XXXX Confirmation Number : XXXX
Product: Mortgage

I have submitted this before and the Bank of Am erica Response ne ver address the issue.     Bank of America practiced " deceptive lending ''. They offered mortgage modification help to homeowners then kept asking for paper work like it was a numbers issue. They did turn is down in the beginning but then went on to say we could reapply. Then for the next 7 years asked us for more and more resubmissions, and paperwork. We updated bank statements, profit and loss statements, income. All the while we found out 6 years later they had no intention to modify.   They have never addressed this. I had to ask the rep face to face " were you ever going to modify? have you ever modified " she said " no ''.   This is not what the bank is they are there supposed to be there to help us.   Full disclosure and honesty.   we originally applied  XXXX   XXXX  . 1st d enial with the advice to reapply summer of  XXXX .   Bank of America put in foreclos ure  XX/XX/XXXX - XX/XX/XXXX . Ta ken out of foreclosure and more than 6 years later told no modification. They led us to believe that they were working on it. It was always at the desk of some being worked on. We showed up for meetings that no one was there for. It has been 7 years of deceit. We have tried HAMP but if you are more than 1 year behind in payments you are not qualified.
Product: Credit reporting

I disputed a charge on my credit report through all three credit agencies. I just received notice from Transunion that the XXXX charge for {$18000.00} has been verified, no change. I did not make any charges to this company and have no idea what this charge is for nor who they are. I demand to see original documentation of said charges if they say they have some. I did not make those charges and realize this company most likely bought out some debt ; it was not mine. I want to see proof of original documentation of the debt. I call not only the company XXXX in question, but also Transunion for not properly having the documentation verified correctly. Obviously, since I did not originate this debt ; I have no paperwork to prove that. I did not originate this debt and it is not mine. I demand original documentation be provided and this charge will be removed from my credit report immediately. Thank you!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 

DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXXXXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX,
Product: Credit card or prepaid card

For my XX/XX/2021 payment ( which was due on XX/XX/2021. I mistakenly made payment to XXXX for the amount owed on my XXXX card, This resulted in an underpayment of {$4.00} to XXXX and an over payment to XXXX. The payment to XXXX was on time. They received the on XXXX/XXXX/201 but as mentioned it was {$4.00} short of the amount owed. For this error of {$4.00} XXXX saw fit to charge me a {$29.00} late fee.even though the payment was not late. I contacted XXXX and they refused to remove the fee, even though the payment, though {$4.00} short, was not late.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX hair salon located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX for the first time. I made an appointment for a XXXX XXXX retouch. The stylist did not use a barrier cream on my hairline, ears and neck. The stylist messed my hair line with XXXX XXXX, including over my ears and back of my neck. They tried to remove the excess XXXX off my skin at the shampoo bowl but was unsuccessful, they told me XXXX XXXX stains and it will come off within XXXX weeks. I was not happy being messed up all over my forehead, ears and back of my neck. I came home, called the store manger and asked for a full refund, she threatened me and said she was going to call the police as that is theft, I told her I was not happy with this service and this is a dispute. She was very rude to me. I then filed a XXXX review which contained pics of the XXXX XXXX  XXXX which shows areas that was messed. I also told her I paid for a professional service and it should have been done professionally. I filed a dispute with my credit card Capital One. They sent me a letter from the merchant stating that they would have corrected it within 7 days, however that was not offered to me and further more I did not need more XXXX on my skin, the stylist merely messed my XXXX retouch up with XXXX XXXX, I wasnt able to attend a birthday due to the XXXX stain over my ears, back of my neck and my hairline on my forehead. I have pictures as proof of my XXXX  XXXX mishap. I also have a copy of my XXXX XXXX to show I contacted the merchant on XX/XX/XXXX as well as Capital one customer service on XX/XX/XXXX but Capital One said I have to wait for the transaction to post to my account then only they can try and dispute it. The total charged is as {$95.00}, {$79.00} for XXXX XXXX  services, {$16.00} tip which I didnt think the stylist deserved for such an awful job of messing peoples skin up with XXXX XXXX  XXXX.
Product: Mortgage

We bought our house in XX/XX/XXXX with the understanding that we would pay XXXX $ a month for principal, interest, tax 's and insurance. 

On XX/XX/XXXX I uploaded my tax documents to them, I have a confirming doc id # from them stating that they received it, and spoke with them over the phone to insure they got it and it would be paid. 

On XX/XX/XXXX they dropped our Morgage payment down to XXXX XXXX 
I called them and expressed my concern that this wasn't correct and that someone had made a mistake, but they assured me that they had greatly overestimated my tax 's and this was my new payment going forward. 

On XX/XX/XXXX our Morgage payment jumped to XXXX $ a month. Thats a XXXX $ increase that puts us at a hardship as we cant pay that amount every month. Thats an XXXX $ a month increase on what we originally signed legal paperwork to pay. 

I will be uploading Documents related to this complaint. 

I am not complaining because I need to pay back the escrow shortage. They paid our tax 's and insurance, like they were supposed to, I wanted to pay them back. 

My issue is that this was THEIR MISTAKE. Our original bill was correct, but they dropped the payment on us and let our escrow acct fall behind XXXX $ and then expect us to pay it back within a year. 
I tried speaking with them and getting a 2 year payment plan set up so we could afford to pay it and they wouldn't budge. Noone wanted to acknowledge the mistake and work with us, they said simply XXXX $ extra a month, or pay it off in full now. 

We are getting our situation taken care of, and we will be ok. But, id like them held responsible so that this doesn't happen to someone else that isn't fortunate enough to be able to pay for their mistakes. We could very easily have lost our home because of this simple, easy to avoid mistake, and they didn't accept any responsibility for the mistakes they made that led to our hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Mortgage

I have tried for years to get help from this company and still do not get anyone to see that this company added fees and lates even though I send by certified mail and I send certified checks. This is not correct and this company is know by the XXXX  as being bad. Please help.
Product: Vehicle loan or lease

santander consumer usa in 2020 finance a vehicle to me {$30000.00} 18.54 % {$20000.00} and my down payment of {$3300.00} the total amount financed {$53000.00} the vehicle been repossess i have got it back hidden fees on the account and now the account is charged off with a balance of {$13000.00} and cant do nothing about it my balance was going up and down and dont no why one year had it down to {$21000.00} i was late on my payments it changed balance up to {$23000.00} dont know why im tired of it and it on order report right now
Product: Credit reporting or other personal consumer reports

At XXXX XXXX I attempted to login to the Transunion XXXX, upon login I attempted to review that my requested credit freeze was still in place due to recent XXXX data breach, as well as review current credit report to ensure no fraudulent inquires have been enacted, however the Transunion XXXX is so broken that I am unable to use basic functions, see my XXXX XXXX, or even obtain a credit report. The only thing I am able to do is purchase their premium services. There are even additional programming errors throughout the website that show incorrect information or a lack thereof, as if it is still under construction. With the vast data breaches having a major credit reporting agency being able to offer access to their basic services is unconscionable.
Product: Credit reporting or other personal consumer reports

I attempted to lift a security freeze on my Equifax account. I usually freeze and unfreeze my account once a year. 

They told me there was a " discrepancy '' on my account- though I don't see anything new on my credit report.

In order to lift the freeze, they are demanding that I send a copy of my driver 's license and social security card or a W-2/paystub.

I know that Equifax sells driver 's license information and payroll/salary information. I told them I don't want to disclose this. I think they are attempting to force consumers to give up more personal information. I have had an Equifax account for years so it's not like I'm just now creating an account under my name. I had no problems with the other two bureaus lifting the freeze.
Product: Mortgage

Referencing the attachment on pages 5,6,7, & 8 under a microscope, Rushmore ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized Rushmore as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank reported I had a late payment in XX/XX/2022. 
According to my former bank, the error was on Discover bank 's end.
Product: Credit reporting or other personal consumer reports

This is a follow up on a previous complaint of which the same Problem still exists and equifax misinterpreted the complaint and did not amswer ot properly or correct the problem. 

Below is an email i received from XXXX that says Equifax has issues Communicating my information to XXXX and everyone I speak to at Equifax ( most recent communication today ) doesnt know what I am talking about. 

Here is the email from XXXX : As a member of XXXX XXXX XXXX, XXXX of the benefits is three-bureau credit monitoring. Unfortunately, we were not able to establish credit monitoring with one or more credit bureaus, which means you have not been receiving alerts from this bureau when key changes were made to your credit report, if any : Equifax : ( XXXX ) XXXX You do still have access to your other XXXX membership benefits. To see all of the benefits available to you, please sign in here. 
If you have any questions, please contact us at ( XXXX ) XXXX ( XXXX from XXXX XXXX to XXXX XXXX and Saturday-Sunday from XXXX XXXX  to XXXX XXXX PT ). 
Sincerely, Your Experian Team I also received this notice from XXXX in their App : Sorry, we can't show you today 's XXXXbureau report. 
This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Mortgage

We believe that Watermark has violated the Loan Estimate that they gave us, and we need your help to get our money back. 

We recently used XXXX XXXX XXXX to finance our purchase of our current residence. Our official loan estimate ( formerly called a good faith estimate ) said that we would receive a {$1400.00} lender credit to offset the {$1400.00} origination charge on our loan. However, we only received a {$620.00} lender credit. The difference was attributed to a charge for a rate lock that we do n't believe should have been issued ( explained below ). 

We purposely scheduled closing on XXXX XXXX, 2017 to avoid any rate lock costs ( we provided paperwork to them confirming this - it actually involved a formal change to our purchase agreement ). A few days before closing, and after our financing contingency expired, Watermark said that because they had made a mistake on the closing disclosures, they would have to resend the closing disclosures, and in order for them to sell the loan to XXXX, that necessitated a four day wait between sending revised closing disclosures and closing, meaning that they needed us to close on XX/XX/XXXX, rather than XX/XX/XXXX. Watermark then charged us {$870.00} for a rate lock for the extra day. We do n't believe that we should have to pay for this because A ) both us as the buyer and the seller were ready to settle on the XX/XX/XXXX B ) the change in date was for Watermark 's benefit ( so they could sell the loan ) and C ) the need was due to their error. We raised this issue at the time, but Watermark said that they could n't change it in time for closing ( which was just a few days away ). 

We previously tried working with Watermark through the Better Business Bureau ( https : XXXX? section=complaints ), but they blew us off. Looking at the other consumer complaints, it looks like this has happened to other customers of theirs. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRY WASNT MADE BY ME NOR DID A FDIC or NCUA member institution requested these inquiries. 

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 XXXXXXXX I submitted a dispute and no proof of validation came back for such inquiries I tried to get removed previously.

Its affecting my ability to apply for credit cards and my life.
Product: Debt collection

I have been receiving regular emails from a company called TrueAccord regarding the collection of a debt from XXXX XXXX. An individual from TrueAccord has been emailing me starting on XX/XX/XXXX to the most recent email which was received on XX/XX/XXXX. In that timeframe, they have sent me XXXX separate emails about this debt. I have no recollection of this debt and it does not show up anywhere on my credit report. 

According to 15 U.S. Code 1692c - Communication in connection with debt collection : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I have NEVER given this company nor individual permission to contact me. 

The representative from TrueAccord is also in violation of 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Furthermore... 

15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

XXXX emails is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2021 ;