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

My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) 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 nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint.

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} 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 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Mortgage

I made my monthly mortgage payment ( due XX/XX/2015 ) to LoanCare ( XXXX XXXX ) on XX/XX/2015. I have a pdf of the bank statement showing this was sent ( provided to LoanCare ). The bank showed they did not cash the check so I had it resent. I asked them to remove the late charge from my account as I did send my monthly payment. 
LoanCare replied on XX/XX/2015 From : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXSubject : RE : Delinquent Notice in Error ( XXXX ) Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Delinquent Notice in ErrorDear Valued Customer, Thank you for contacting us. 
Our records indicate your mortgage payment was posted to your account on XXXX and was backdate to the date received on XXXX/XXXX/2015. Also the late charged of XXXX was waived off your account on XXXX/XXXX/2015. Please allow more time for your XXXX payment to post to your account. 
Please feel free to contact us if you have any additional questions. 
Sincerely, Customer SupportXXXX XXXX, VA XXXXOn XX/XX/2015 I received a mailed letter dated XX/XX/2015 that I owed a {$25.00} returned check fee. I emailed them on XX/XX/2015 and XX/XX/2015 ( as they had n't responded ) the following : From : XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Saturday, XXXX XXXX, 2015 XXXX XXXXSubject : Re : Delinquent Notice in Error ( XXXX ) Customer Support, I am now receiving a bill from you for a {$25.00} returned check fee ( letter dated XX/XX/2015 ). I do not understand why I am receiving this. You sent me a notice stating you never received my original payment. I had the bank cancel that check and reissue the same payment. You sent me the note below that the late charge was waived and now you are charging me a returned check fee. This is all due to your inability to cash a check you had for almost three weeks and sent me notices stating you never received it. Please remove this returned check fee from my account. 

Thanks, XXXXTo date, I 've received no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants Inc. was sent an initial dispute letter in XXXX XXXX of an incorrect reporting of a collections on my credit report. I have sent this company 3 letters with 2 of them being certified by mail letters in which Diversified Consultants never responded. Since they are a third party collection agency, I requested an original signed copy of this account with my signature validating this account belongs to me. This collection account that is listed as XXXX on my credit report does not belong to me. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last  Payment Date listed as XXXX/XXXX/XXXX is inaccurate and does n't exist. Diversified Consultants Inc. has not only violated federal and state laws by not replying to any of my certified letters, but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing this account belongs to me and is being reported accurately. I am requesting that they delete this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of identity theft due to the XXXX data breach. I have a fraudulent hard inquiry on my report that I would like removed. 


XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items.

I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reaching a payment agreement with XXXX XXXX XXXX, this company continued to report the acount 180 days late when the payment on the agreement were made on time during the months of XXXX, and XX/XX/XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. This wrong reporting is causing issues trying to refinance the mortgage on the loan to get better rates. They also are reporting a wrong balance in the loan that they have acknowledged is {$170000.00}. In my credit report is showing more than {$220000.00}. I have written many letters to them trying to resolve the issue and they stay doing nothing in this regards. I demand that the months previously referred need to shown as pay as agree to honored the enclosed payment agreement and a correct balance of {$170000.00} needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2020 i sent a letter to XXXX, transunion, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.
Product: Mortgage

I applied, was given XXXX choices in writing to 'lock in ' my mortgage rate on XXXX/XXXX/2016 1 ) I chose the {$1800.00} rebate %, the 'middle ' choice 2 ) AFTER I paid for the appraisal and incurred other closing costs I was told the 'rebate ' would be only {$300.00} 3 ) I complained and was told I could start over with a higher interest rate and another 'promise ' of a 'rebate ' in writing on XXXX/XXXX/2016 This is n't a choice, it was leveraged theft. If I started over I could be out more than the {$1500.00} they were taking from me. 
I closed on the refinance and am now complaining. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I receive notice of the data breach through my credit monitoring alert I learn there was unauthorized inquiry on my credit report, I have attached the information please remove immediately
Product: Debt collection

I owed the Dr {$87.00} and was paid on XXXX To the Dr office receipt XXXX and Capitol accounts wants me to pay they {$18.00} more for Interests Was told it was not allowed by North Carolina state For them to charge me
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT Need to send documentation to verify my account with VIN number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX  XXXX to XXXX XXXX  credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a 24 month lease for a new XXXX XXXX XXXX with creditor XXXX XXXX XXXX XXXX XXXX ( XXXX ). Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was received by XXXX on XX/XX/XXXX ( see attached XXXX statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased inXX/XX/XXXXXX/XX/XXXX. There was not a problem with this account until XX/XX/XXXX. XXXX fraudulently reported to the 3 major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because XXXX 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with XXXX on XX/XX/XXXX a XXXX representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not XXXX ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.
Product: Debt collection

I received communication from two companies claiming I owed a balance with XXXX XXXX XXXX. The first communication, a letter, was received on XX/XX/2019 from XXXX XXXX. I responded the same day by mailing out a debt validation demand to the address they provided me. On XX/XX/2019, I received second mail correspondence from a company called Resurgent Capital Services claiming they manage the company LVNV Funding LLC, which was apparently a related party to XXXX XXXX. They indicated that they received the inquiry and that I should contact them by phone. I responded today by mailing another letter to Resurgent, again disputing the debt and indicating that I would be filing a consumer complaint.
Product: Credit reporting or other personal consumer reports

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
Product: Debt collection

I spoke with a supervisor named XXXX in XX/XX/XXXX regarding a debt of {$600.00} which they purchased pennies on a dollar from XXXX. I wanted to talk settlement as I requested she submit in writing the amount of the debt along with an arrangement and to also clear my credit file of such debt. The arrangement paying {$500.00} inlieu of {$600.00} and for them to submit in writing the arrangement. She mentioned they would sue me if I did not pay. I was served with a notice XX/XX/XXXX of a civil suit filed against me which would include fees they accrued from filing. A simple request to someone that was negligent turns into a legal matter as I did not agree on payment or this debt without a written confirmation. Which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a collection on my credit report that I am not aware of. XXXX accounts, I am not aware of any written agreement that I have to pay them. If no contract can not be produces stating that I owe them please remove the alleged information.
Product: Credit reporting or other personal consumer reports

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was on duty for the military I fell under the SCRA agreement. I mailed and email my orders the comply credit my account back for the month I was over due they wrongly repo my car. I was then told it would be waved multiple times since it was a mistake and it was not. My car has been paid off since XX/XX/XXXX and I havent received a receipt nor updated payment schedule
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and realized that I have fraudulent activity. below are the fraudulent accounts that need to be removed off of my account. 

XXXX XXXX XXXX  Amount : {$230.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$750.00} XXXX XXXX Amount {$52.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amount {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT PLUS There are multiple repeated UNAUTHORIZED Hard inquired in my credit report ran by CREDIT PLUS. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( THREE 3 ) CREDIT PLUS hard inquires must immediately be removed from my credit report of all credit bureaus.
Product: Mortgage

Home Point Financial sent us the annual escrow account statement in XXXX which included the option of a catch up payment of {$2400.00} and a mortgage payment of {$2800.00} or a new mortgage monthly payment of {$3000.00} to incorporate the shortage in the escrow within our monthly payments. As we are paid several months ahead on our mortgage we made the following three payments : 1 )  XX/XX/18 {$2400.00} Escrow Catch Up 2 ) XX/XX/18 {$2800.00} New Mortgage Payment if Escrow Catch Up is Paid ( XXXX ) 3 ) XX/XX/18 {$180.00} Difference in XXXX Old & New Payment ( Old Payment {$2600.00} ) The problem is that the company applied the Escrow Catch Up payment to Principal and has yet to apply the {$180.00}. I went online and discovered the issue and called approximately on XX/XX/18 and was told it would be resolved. I went online again on XX/XX/18 to confirm the correction and nothing had changed. I contacted the company again and was told that my request for this correction was denied. Apparently, this issue is being moved to a Director for consideration. As the customer and consumer I am extremely upset about the way I am being treated and the way the company is handling their mistake. I welcome any assistance that can be provided.
Product: Credit card or prepaid card

THIS COMPANY REQUIRES ME TO HAVE A MOBILE PHONE NUMBER ON FILE IN ORDER TO GET ACCESS ONLINE OR GET THE REWARDS. I THINK THAT IS AN ABSOLUTELY RIDICULOUS THING TO REQUEST FOR SOMEONE TO GET THOSE THINGS. I HAVE A LANDLINE WHICH IS AN UNACCEPTABLE PHONE NUMBER TO THEM. I TRIED SETTING UP ONLINE ACCESS, IT WON'T GO ANY FURTHER WITHOUT A MOBILE PHONE NUMBER BEING INPUT INTO THEIR SYSTEM. THEREFORE AN ONLINE ACCOUNT CAN NOT BE SET UP.
Product: Credit reporting or other personal consumer reports

A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am attaching the detailed letter regarding the XXXX XXXXXXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been negotiating this short sale for years, and it goes in a vicious circle of needing documents, submitting docs, extending the law day, repeat, repeat, repeat. I submitted a complaint in XXXX 2016, # XXXX, but the short sale still has not been approved. I work with all lenders, negotiating short sales, and this lender is hands-down the worst.