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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to Equifax which are fraudulent & I'D like it removed from my report. This fraudulent item should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

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 Re : Dispute of Inaccurate Credit Reporting and Collection Information Dear Sir/Madam , I am writing to formally dispute inaccuracies on my credit report under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ).

1. Dispute of Credit Reporting Under 15 U.S.C. 1666b ( Billing Errors ) I have reviewed my recent credit report and identified an error in the reporting of a billing issue related to an account [ XXXX XXXX  ]. Specifically, the report inaccurately reflects a charge, payment, or balance that does not align with the actual transactions on my account. As per the Fair Credit Billing Act, I am entitled to dispute any billing errors, and I request that you investigate and correct this issue within the time frames stipulated by the law.

2. Dispute of Collection Information Under 15 U.S.C. 1681e ( b ) ( Accuracy of Reported Information ) Additionally, I believe that the information being reported to the credit bureaus concerning an alleged debt under collection ( XXXX XXXX  : [ XXXX XXXX ] ) is inaccurate or incomplete. As outlined in the Fair Credit Reporting Act, creditors and collection agencies are required to ensure that the information provided to consumer reporting agencies is accurate and complete. I request that you investigate and verify the validity of this debt, and that you provide me with documentation proving its accuracy, including the date of the alleged debt, the amount owed, and the details of the original creditor. As both 15 U.S.C. 1666b and 15 U.S.C. 1681e ( b ) stipulate, I am entitled to have any disputed information properly investigated and corrected within a reasonable period. I request that you take the necessary actions to correct the inaccuracies on my credit report, and that you notify the credit reporting agencies of any changes. Please provide written confirmation of the actions taken to resolve these issues and furnish me with updated copies of my credit report reflecting these corrections. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I have an XXXX Chase Credit Card that I opened during XXXX of 2020. I owned the credit card for almost 5 years and has become my primary credit card. All of a sudden around XX/XX/XXXX, I tried to make a furniture purchase at XXXX for {$3000.00} and XXXX froze my account. XXXX refuse to tell me any information and that my account is under review. It's been 3-4 months and Chase still refuse to tell me any information. Chase said I have to visit the local bank but I live in XXXX and there are no Chase branch nearby. Chase locked my account for no reason and the credit card is stuck in my credit report. Chase did not follow their own policy. Chase also change my credit card number for no reason.
Product: Debt collection

I have recently been informed that there is negative information reported by Capital One in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. Capital One has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 

Please note as that sent XXXX letters to XXXX, XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries, which are a result of a data breach and fraud, be blocked and deleted from my credit report. I am a victim of identity theft, and these accounts were fraudulently added to my credit history. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be immediately blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX FUNDING - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$300.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Mortgage

We started a refinance process with Nationstar Mortgage in XXXX of 2015. They jnformed is that we had to get approval and then we had to go through a trial period until they would complete the paperwork. During our trial period we would report as late but as soon as the refinance went through, it would be XXXX out as long as the trial period payments were made on time. It took over a month but finally we were approved for our trial payment. We made our payments on time. We still recived collection calls that after a few minutes the lightbulb would go off and they would appologize for calling. We wathed our credit score drop even further during this trial but just hoped that the refinance would be quick. Finally 3 months were up. It took us trying to call several times to find out the next steps. Finally they said paperwork was being sent out. A week passed and we never received it, another several calls were placed. Finally someone called us back saying that the paperwork was mailed but that they would email it. A few days after we recieved the email, the overnight package with the paperwork arrived on our door. We scrounged up our witnesses and put time we didnt have ( XXXX ) and went to a bank were they could notorize the paperwork. Paperwork was sent back through fax. We waited several weeks and finally tried to get in contact with them again, several messages later we finally recieved a callback and found out there was a document missing, we refaxed it. Something was still wrong. We had to start over, We took more time out, had witnesses take time out of their day and start the process over, that was XXXX XXXX. We XXXX the paperwork back to them, with the holidays and all the craziness of having XXXX, time got away from me but I really thought our paperwork had gone through. XX/XX/XXXX I review my credit report and it shows me 8 months past due with Nationstar, several were 120 days. I sumitted a claim to dispute which they fought. Tried several times to call again, once being hung up on because they were having system issues. Finally got ahold of someone and was told that once again something wasnt right about our paperwork and it had to be redone and that is why I was still reflecting so far past due ( even though I have continued to make my payments on time every month ). Today I recieced notice that one of my credit cards was being cancelled because of newly serious delinquency. The only account showing deliquent is Nationstar. i want all negative credit marks removed now and I dint want any additional work from us to complete the refinance on our mortgage. This has gone on long enough and our credit and time has been effected enough.
Product: Checking or savings account

Chime denied my dispute with no evidence on their side to deny it. I have evidence and sent it to them and still nothing
Product: Credit reporting or other personal consumer reports

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Product: Checking or savings account

Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. 

XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. 
Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . 
XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. 
XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). 
So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. 

So please help on this, seeking assistance in getting the funds returned. 
CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on accounts where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit card or prepaid card

I had five accounts with Synchrony Bank and in the end of XXXX Synchrony Bank unexpectedly and suddenly closed them. They stated their reason was Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 

This reason is a lie. The activity on my accounts was perfectly normal as was activity on every account Inhave or have ever had. Later, Synchrony Bank lied again and stated it was because I had too much credit with them. Were that true, they would have reduced my limits or only closed some of my accounts. 

The FCRA and ECOA requires a specific and valid reason why adverse action is taken. It is common knowledge that Synchrony Bank is suffering financial distress and is currently in a campaign closing tens of thousands of perfectly maintained accounts with often bogus, incoherent reasons and failing to comply with the ECOA and FCRA. It's likely they are either redlining or taking age into account when closing accounts.
Product: Mortgage

Carrington Mortgage Services LLC is the loan service provider. XXXX XXXX holds the actual loan. Carrington can't tell me anything regarding my loan. I was told there's specific steps regarding foreclosure when an FHA loan is involved. But, yet, the customer service rep couldn't explain the process/steps. She said we can't go directly to liquidation, i.e. short sale or sheriff 's auction. Auction date is set. She couldn't tell me who set it. She refused to transfer me to underwriting. She then blamed me for not getting paperwork in. I informed her, that no one from the company until 1 month ago, had ever informed me that the " mortgage assistance '' paperwork was still required, even if I wasn't seeking mortgage assistance. She said it was my fault for not following directions.I asked to speak to a supervisor. I was denied. I asked to be transferred to underwriting. I was denied. I couldn't get any information from this person, other than to have them blame me. I was told that I didn't approve my realtor as a 3rd party authorization. However, when I log into my online account, it clearly shows that I authorized my realtor, along with my attorney. This company is horrible.
Product: Checking or savings account

I opened an account with Truist bank and deposited a {$12000.00} dollar check from The IRS. They gave me XXXX something of it and put a hold on XXXX of it. The next day I go to log into the app and couldnt so I call customer service and they tell me my account was closed due to Fruad!! Fraud team told me theyre holding the remainder of my check in their reserves. Basically taking money I had waited to receive from the IRS for 4 years! All government checks can be identified by the check number. I dont understand how I committed fraud in any way. I seen trust has done this to a few people on XXXX as well.
Product: Mortgage

My local bank sold both our primary house mortgage and our investment refinance to Ditech. Since then, Ditech has continuously misallocated our payments, added extra money on to our principal amount, and failed to correctly record payments. We have been enduring this nightmare since XXXX 2016 and it has gotten way worse since Ditech changed its payment system. Now there are continuous errors. We just looked at our principal balance and they have just added over a XXXX dollars to the principal in spite of our regular timely payments.
Product: Mortgage

The reason for my complaint does not match any of CFPB frequent complaints for home equity line of credit. Opened a line of credit account in XXXX with a 10 year draw period. The credit line was approved and was opened and in good standing when chase bank decided to close the line of credit draw period for reasons that were never in the original agreement signed agreement. 

Chase stated that they have an obligation to monitor customers activity. They have basically accused me with no proof what so ever of me being a potential money laundering risk under the Bank secrecy act. As such they closed out all my accounts in XXXX except for this account. Fast forward to today and they are still trying to get rid of my accounts in unjust ways that are not what their legal terms on the signed agreements stated. 


Chase decided to simply make up a convenient reason to close out my account early. This reason was never in the agreed terms under lender rights as to when they can close the account early. Chase bank generic decision stated as follows .... " after careful consideration, we decided to end the open-draw period on the HELOC account above on XX/XX/XXXX, because of your association with a Chase credit card, deposit or investment account that was previously closed. '' Nowhere in the original signed terms does it state that being associated with a closed Chase account is a reason for Chase to terminate this agreement early. The lender rights state : " In addition, as outlined in your contract, under Lender 's rights, we reserve the right to terminate your credit line account, subject to any notice requirements, if any of the following situations occur : -You commit fraud or make a significant misrepresentation at any time in connection with the credit agreement, such as providing false information about your income, assets, liabilities, or other financial details. -You fail to meet the repayment terms of this agreement. -Your actions or inactions negatively impact the collateral for the plan or our rights to the collateral. '' Nowhere does it mention anything about being associated with other closed chase accounts as a reason to close this account early.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

A demand letter was sent to me by Delgado Acosta Spencer stating I owed them money and legal action would be taken if I did not respond. 

I sent a cease and desist letter asking the company to validate the said debt that was owed along with signatures and validation of said debt. The company received my letter and still made contact with me without validation. 
The exact letter is down below To whom it may concern, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year>, received on XX/XX/year>. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am exercising my right to request validation of the alleged debt.

Additionally, I assert that any contract related to this debt may have been entered into under duress and coercion, and therefore, may not be legally binding. As per relevant contract law principles, including those outlined under Texas law, a contract entered into under duress or coercion lacks the necessary consent and is voidable.

Specifically, I request the following information : XXXX. Verification and documentation of the original amount of the debt. 
XXXX. The name and address of the original creditor to whom the debt is owed. 
XXXX. An explanation of how the debt was calculated, including an itemized accounting of the charges. 
XXXX. Proof that the debt collector is legally authorized to collect the debt on behalf of the original creditor. 
XXXX. Copies of any agreements that I have signed, showing that I have agreed to assume the debt, including evidence that such agreements were entered into without duress or coercion. 
XXXX. Certified copies of all documents related to the alleged debt as per Texas law. 
XXXX. Please provide any documentation showing any insurance claims that have been filed related to this debt. 
XXXX. Please provide the chain of title for the debt, including any documentation that shows the progression of ownership from the original creditor to your organization. 


In accordance with 15 USC 1692g, I request that all collection activities cease until this debt is validated. Failure to provide the requested documentation within the 30-day period will be considered as your agreement that this debt is invalid, and any adverse actions against my credit report will be considered a violation of the FDCPA.

Please respond to this request at your earliest convenience. You may send the requested documentation to my address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX natural issuer lien right, subrogee, all rights reserved, without recourse UCC-3-402 ( b ) ( 1 )
Product: Mortgage

Original loan company sold to XXXX XXXX XXXX and the same exact issue is occurring where we are making additional principal payments and they are not being applied. Instead they are being applied as extra payments and changing our due date to XXXX when in fact we have a bi-weekly auto payment set up. We have spoke to customer service and even the escalation department and no one can help us. The reason that we are making additional payments to principal so that we can reduce the years of the loan. Can you help us. We have being going through this for two years and no resolution. I can be reached at XXXX. They have roughly {$12000.00} that need to be applied toward the principal.