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

On  XX/XX/XXXX , I contacted   XXXX   directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both  XXXX  & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent  10  letters starting in  XXXX  and the last three I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By  XXXX  own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If  XXXX  had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with   XXXX   on  XXXX / XXXX / XXXX  at   XXXX   XXXX  . C.S.T., I advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
Product: Mortgage

I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Given the nature of the breach and the impact on my credit, I am requesting that you take the following action. XXXX and delete the fraudulent accounts or inquiries identified by me. In addition, provide me with a detailed report of any changes made to my credit file. This has impacted my life and its traumatizing to go through and not be treated fairly. Companies should not be able to just report items without proper investigation.
Product: Debt collection

I called LVNV Funding LLC and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft then the customer service representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account showed up on XXXX, XXXX, XXXX XXXX  at the navy credit union. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with navy credit union. They, the credit report agencies said I had to take it up with the bank to correct. I called the navy credit union and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.
Product: Prepaid card

I was n't able to access my account then I call and found out that Netspend had closed my Account with out my permission. And not notifying me right away when this ERROR TOOK place! I had to find out on my own that my account was closed .because I wanted to pay a bill. And when they closed my account They took out all my money which I wanted it to stay in my account but they did n't put back in my account.INSTEAD they mail me my money which is going to take another 2 weeks or so just to get my money. They really put me in a bad situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX CARD # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I disputed this debt with Receivables Performance Management, and asked them for information to validate a debt. The information they provided me fell woefully short of what I requested and what is required of them under multiple consumer protection laws. If they are reporting this same information to the credit bureaus, it falls woefully short of what is required of them to report the information under the FCRA. This is the United States of America, I have rights here! HELP ME!
Product: Checking or savings account

I have enrolled START Smart savings Program ( with US Bank ) in saving Act # XXXX I reached my goal, but did not receive reward as in the ads. They say because I had receive gift card 2 or 3 years ago but their ads of my rewards is Account Credit, so they are different programs, and every month I receive statement, there was print out that says I will receive reward just continue save, during the course of last year saving I have from time to time ask the US Bank over the phone whether I can get the reward the answer was always Yes.
No one from the bank, has told me that I did not eligible for it.
I have attached the copy of the Ads and copy of my last statement
Product: Mortgage

From XXXX to XXXX we were trying to get a loan modification and were continuously denied with no answer to why. During that time since I wasn't getting anywhere with the bank I hired an attorney that had promised me to get me a loan modification through the courts. This went on for several year and the bank did not want to offer me a modification. Then XXXX I was XXXX  suffered a XXXX XXXX  and was in a XXXX for several month. When i came out of the XXXX  and was able to deal with my mortgage my attorney kept telling me that he was still working with SLS on trying to resolve my mortgage. After COVID to try to help me negotiate a short pay or short sale this went on again for years with no answers from SLS and i just came to find out that my home is in foreclosure with a scheduled auction. I was under the impression that it was being reviewed if we had known that this wasn't being considered i would have tried other options. I am asking for the auction to be postponed so I can try to resolve this matter so I do not lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF TO EQUIFAX AND XXXX : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York XXXX Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, XXXX XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and XXXX and Equifax do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. Equifax and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX. 
XXXX Driver LIC # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXX. XXXX Account # XXXX The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided. 

XXXX XXXX XXXX  Account # XXXX Legal Basis for Dispute : The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhe Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided. 

XXXX. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX GA XXXX Please remove it from my credit report. 

XXXX. These following address are errors never lived there XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX Please remove it from my credit report. 


XXXX. These following address are errors never lived there XXXX XXXX XXXX XXXX, Georgia XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : AFFIRM AFFIRM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM AFFIRM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AFFIRM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX : XXXX AFFIRM Account # : XXXXXXXX XXXX XXXX XXXX  AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit card

I have been with Capital One for over 4 years and I have been making payments and kept in good standards with capital one. 

Recently, I tried to make a payments from my second bank to my credit card accounts on capital one and it just kept getting returned even though the funds was well enough in the account. Today the funds pull out my account and I open my capital one app and I see theaccount is restricted I then called and they told me both accounts were closed my Capital One Quick Silver & platinum. I made sure the funds was in the account for capitol one to go ahead and take and they kept returning the payments. 


Even better yet, I couldve just changed my payment bank if they wouldve called me and told me that they cant take payment from one of my banks. 

Its just so confusing and stressful because I been with them for so many years and I have been good with them and they decided to just terminate my account like that blows my mind. 


It wasnt even my fault, the funds was in the account they just couldnt pull it. I have made sure I paid the account in full the day I got told the account was closed out of good faith. 

I am unsure if I will ever be able to open a CapitalOne Account after this creditor closed my accounts, I have plenty of credit accounts that are in good standing and paid such as my XXXX, XXXX, XXXX & more creditors. Capital one I please ask you guys to overview and contact me and update me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; XXXX On XX/XX/2022, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my credit score blocked and after a month trying to contact them they give me miss information every single time and nobody knows why is getting blocked. My broker is unable to get in and see my credit report so I am about to lose a house I'm trying to buy because they can't give me a straight answer. They also refuse to transfer me to a supervisor. They offer call backs from supervisors that never happen. They have terrible customer service. One whole month and stay an unmeasurable amount of calls nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Planet Home Lending has not allowed my final payment of a COVID Forbearance Plan to process. I have not received a phone or written notice on my payment status. I logged into the payment portal and it states " Online payment scheduling is currently unavailable. Please try again later ''. 

No one has returned my call when I have tried to pay in advance as well.
Product: Checking or savings account

I had called Bank of America 's claim department to file a claim for unauthorized check trans action after being on hold and get transfer from  one person to another person finally 3 hours later I got to file my claim over 4 weeks ago. The  person opened up my claim assured me that I will get my account credited within 10 days, I give them 18 days and when I saw no credit to my account I called them back again and gave them my claim number and they told me they need 20 days to give me credit and I explained to them I was told 10 days originally now you are telling me 20 days and I asked to speak with supervisor and she refused by saying that she is the supervisor. now it is al most one mont h and no phone calls or letters explaining to me what is going on to my account and my money. my friend told me about this site and that 's why I am here today, please help me to collect my money from bank of America.
Product: Debt collection

the debt is old and they sent to a third party without sueing me first.  Per the law they need to go though the proper channels first
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. 

I have never been late, and have always made my payments on time. 

However recently my credit report shows that the Apple Card was reflecting XXXX days late, however as you guys can see I did not have access to any of my devices. 

I have the Apple work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. 

I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. 

I never received any physical statements when my bill was delinquent, I understand Apple and Goldman Sachs is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.