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

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had 2 Late payments on an account XXXX that it was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a Social Security Card holder. I'm aware that following a change in XX/XX/2011, SSA began to issue SSNs that start with the first three digits greater than XXXX ( reference 1 ). My SSN falls into that bucket. However, electronic form found on XXXX ( ref 2 ) would not accept such an SSN. If I put in my SSN, a message comes up saying the SSN is invalid. As a result, I can not opt out of pre-screened offers. 

References 1. https : //www.ssa.gov/kc/SSAFactSheet -- IssuingSSNs.pdf 2. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice 30 days after i made the payment they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Product: Debt collection

My XXXX is being garnished and I never received any notification of this debt or a court hearing.
Product: Credit reporting or other personal consumer reports

I checked my credit report with Transunion and saw I have fraudulent accounts on my credit report. I did not authorize this, I don't recognize this account. This is being reported by third-party XXXX XXXX XXXX and XXXX XXXX XXXX . Please remove this from my credit report.
Product: Debt collection

IC systems XXXXXXXX XXXX No date provided Fraudulent charges, debt on my credit report is not my responsibility with IC systems. I have no knowledge of this debt until I reviewed my credit report. I have no contract with IC systems and myself. No original contract provided before reporting to credit agency. I am revoking all harassing calls text email at this point, no future harassment because of my complaint with CFPB regarding violations of listed consumer laws.12CFR1006.34 ( b ) ( 5 ) 121CFR100634 ( c ) ( 4 ) ( i ) 12CFR1006.34 ( d ) 15USC1681-S2 ( 7 ) ( a ) I want this defamation of my character off my credit report.
Product: Debt collection

The Stark Collections agency in Wisconsin has contacted me approximately 3 months ago regarding a debt with XXXX  for phone and internet. I explained then that the debt was not valid, that I was disputing it, and that I would like validation MAILED. I have received NOTHING. They reported to the credit bureaus as owing {$510.00} for 5 months when service was was cancelled. XXXX  is a horrid company, and NOT an honest company, and Stark Collections is refusing to send documentation.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance for your cooperation.
Product: Mortgage

my mortgage was sold, XXXX sold to XXXX. It is being serviced byShellpont Mortgage XXXX. I applied for and was granted a modification in XXXX. by XXXX XXXX The first payment was due XXXX. The agreement states if the next XXXX payments were made on time the modification would be permanent. all payments ( XXXX ) were made on time, I have been making my payments to the new service co, shellpoint on time. They advise me they have no paper work from XXXX, and are waiting. for it They also have no paperwork from XXXX on my XXXX application. which was compleeted in XXXX My home is still in the foreclosure process even though all payments were paid on time. XXXX failed in its obligation to oversee the selling of the mortgage and that it was serviced properly.
Product: Mortgage

We are again being given misleading information and they are intentionally. Who is the investor on our loan, we were told XXXX XXXX is the investor and they denied our request for fixed mortgage term. We received Trial Modification plan XXXX we made our trial payment and the 1st mortgage payment. Received final modification agreement which included a balloon payment term. We called the mortgage company spoke to XXXX ID # XXXX he stated Quality Control Team will be looking at other options. He said the Investors are XXXX XXXX also known as XXXX XXXX XXXX, made the decision to deny the modification. We did not have a balloon payment with our previous mortgage before they modified the mortgage to a balloon term. We were told to resubmit all mortgage assistance documents again so XXXX XXXX could give us a fixed term mortgage. We have resubmitted the required documents and now they have denied our mortgage assistance request and said we have excessive inquires, credit limits on credit utilization is high. We have read in mortgage assistance articles XXXX  XXXX  XXXX XXXX credit is not to be used as the criteria to provide mortgage assistance. Also we call to asked our mortgage assistance request. Documents in our possession reflect XXXX XXXX XXXX XXXX is the investor on ouying to make us lose our house.
Product: Debt collection

6 months ago American Express began calling my husbands work phone about my account and I ask them to stop and they assured me it was removed. They have been calling him 2-5 times a week since
Product: Mortgage

On XXXX/XXXX/15 I went to pay My Nationstar Mortgage online and the bill had quadrupled. Nationstar has decided to quadrupled my mortgage and the previous statement that was sent to me in the mail in XXXX did not reflect this change. I had never escrowed my taxes before, but had been late the previous year, but was in a payment plan with XXXX XXXX on my property so I never thought I needed to worry about it. Nationstar was no collecting on the bill I was in a payment plan with and all future " estimated '' tax bills. I was n't prepared. I called but the call center was closed so on XXXX I called immediately in the morning. A representative said that they would look into it and see what they could do. I told her that I always pay my mortgage on the last day of the month and that I did not want a ding on my credit. She assured me that this would not happen. They told that I should refinance and start the paperwork with them and that would stop any action. I sent in some paperwork, but then decided that I did not think that this was wise, and that I should look into selling the home. On XXXX, I received a revised bill, which I immediately paid, only reduced by a XXXX, and Nationstar reported the payment as late even though they told me that they were working on the bill and that they were changing it. This is a predatory practice, and they are wrong. I was never late with a payment, and struggled to pay the mortgage until I sold, and I did, every single month while raising my child as a single mother and they preyed on me. I owned my home and had stellar credit. I put the house up for sell, and now because of the late payment they put on my credit report for their misdirection, it could prevent me from buying again because of the drop in my credit score, which they wanted to happen so they could force me to finance with them, or do a homeowner hardship program, which I did not need. They also required me to pay my mortgage through the XXXX account when I had a problem with my checking account withdrawal through them for some reason and they monogram would not take payments over {$2500.00}, forcing the consumer to pay all kinds of money transfer fees on top of the payments, and XXXX will only transfer that amount daily, which also resulted in a late payment for XXXX day late in XXXX They also remove electronics documents from the customer logins that they may have sent you over time so that you can not see actions that they may have taken when you go back to look.
Product: Credit reporting or other personal consumer reports

Per my findings by the guidance from the CFPB. I have attached the necessary documents due to my situation along with a letter from advocacy group helping my due to debt bondage/XXXX XXXX which falls under XXXX according to debt final rule 1002.142 ( b ). I will await this information to be removed in the next 4 days according to section 605c of the fair credit reporting act. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank charged me an overdraft fee on there own monthly fee
Product: Checking or savings account

XX/XX/year> I received a scam email which I fell for. It was a fake usps email that asked me to pay like {$0.00} because my package was overweight or something like that. The next day XX/XX/year> I buy XXXX before work. I check my bank account right before I'm clocking out of lunch and see a bunch of charges from someone in California. I called customer service after and talked to a lady about it and she said the charges will get investigated. I was in my car and her speaker quality wasn't very good so I couldn't pick up on everything she was saying but I'm pretty sure she said she'd send me a new card to unlock my account but I never received one. I contacted customer service like 5 times after that but they wouldn't help me because I couldn't remember my security question. I have 2 previous debit cards from my account to prove it Is my account. I provided all my information just couldn't remember the exact answers for my security questions. I also have the account number and routing number because I had direct deposit setup so I asked my work for them. I can also still sign into my account with my fingerprint but it's limited, can't do anything to checking account. The charges were only made using the debit card.
Product: Credit reporting or other personal consumer reports

I Filed complaints against Equifax on XX/XX/2023 when I noticed accounts on my report that had information reporting incorrectly for 6 years after attempts to resolve the matter failed. On XX/XX/2023 I filed another complaint about retaliation for filing the previously dated complaint with the Consumer Fraud Prevention Bureau. I am still having to deal with injury to my standing as Equifax is attacking me again. Equifax claims to have confirmed the information of the account as true and gives this as the reason for harassing me but I have a contract that conflicts with their claims. Per the contract of my medically accepted discharge no new adverse information would be reported and I have already received confirmation of such process has been completed with a verified forgiveness and receipt from the IRS sent to me from the creditor as required by law. Once again this is an attempt to intimidate and damage my financial mobility and this has been going on for XXXX plus years now and I have been injured because of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016, I have been in dispute with two of the three credit reporting agencies, XXXX and Experian, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to Experian and XXXX on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. Experian nor XXXX are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Checking or savings account

Greetings CFPB! 
This complaint is in regards to Chase Checking Acct. ending in XXXX. 

Chase charged $ 12 monthly fees in XXXX and XXXX when the balance was at {$1500.00} on XXXX XXXX ( per the Bank 's required minimum balance to not have monthly fees ). 

I made an in person deposit specifically to meet the bank 's requirement, asking the teller for the correct amount on XXXX XXXX. XXXX made in that exact amount to arrive at {$1500.00}. 

Yet, Chase subtracted {$12.00} fee on XXXX XXXX and again in XXXX. 

Once I complained they credited back XXXX of these charges. 

I believe I am owed an additional credit of {$12.00} USD. I wrote this to Chase. 

However, I also would like an additional {$12.00} for my time wasted which is not the actual value of my wasted time as a lawyer, however if each time they are assessed micro fines, perhaps this conduct will become less remunerative for Chase. 

Thanks for your assistance. 

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

XX/XX/2023 Walgreens, XXXX Tx XXXX I was checking out at the counter, when the Walgreens Associate asked if I would be interested in a Walgreens Card to save more money on my purchases, I said yes, but I didn't want to apply because it would put a hard inquiry on my credit report. The Walgreens Associate picked up the phone by the register and called someone in management, I assumed. He asked if I could apply without a hard inquiry, and I was told that there would be no hard inquiry on my credit report if I didn't qualify. I agreed. I didn't qualify and there is now a hard inquiry from Synchrony Bank, in XXXX.I called Walgreens in XXXX, TX regarding what happened and was told they couldn't help me with the problem that they had caused. I want this inquiry removed from all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Delete this account for inaccuracy because the last paid date for XXXX  reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. 

Account name XXXX XXXX Account number XXXX
Product: Debt collection

On XX/XX/2019, I sent the debt validation letter to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019. Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to LJ Ross Associate, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but Experian has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected. 

I have attached to this complaint the original letter mailed off and my only two forms of i.d . 
verifying that this complaint is indeed from me and not a third party.
Product: Credit card or prepaid card

Synchrony Financial added a payment protection program to my Amazon Store credit card without my consent and charged it to my account. I was never notified in any way that this would happen nor did I want it. I have cancelled the service with their automated system.
Product: Debt collection

Soon after I turned XXXX, probably about 5 years ago I went to XXXX  and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified letters stating that multiple inquiries weren't mine and was a victim of identity theft. Experian actually sent me mail stating that they would NOT remove the inquiries and started automatically returning my certified letters. 

I've enclosed a copy of the Identity Theft Report that I filed with my local Police Department and the Federal Trade Commission as well. It has been completely ignored. 

Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : Credit Acceptance Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Center Date : XXXX XX/XX/XXXX Creditor Name : XXXX   XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Na Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX Co Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX 2016