23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to this invoice I was charge twice for the month of XXXX and a reletting fee. The amount owed is incorrect/fraudulent and would like National Credit Systems , I to remove this collection from all three credit bureaus XXXX, XXXX, and XXXX XXXX XXXX 

The amount and dates Im referring to is XX/XX/2019 for {$890.00} and XX/XX/2019 for {$890.00} plus the reletting fee {$760.00} on XX/XX/2019, also showing a balance of {$940.00} XX/XX/2019. 

Under state rental law a leasing property can not charge rent twice in one month and a reletting fee. 

Furthermore, the amount of {$35.00} were added for XXXX XXXX, and {$25.00} for XXXX XXXX which should have not been billed because the reletting fee of {$760.00}. 

Reletting Expenses means all costs and expenses incurred by Landlord in connection with the reletting of the Premises following a default by Tenant, including, without limitation, the expenses of obtaining possession of the Premises, the costs of cleaning, renovation, and repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit account with Arhaus/Comenity Bank which was auto-drafting payments. When Arhaus returned a payment due to an address discrepancy, I was contacted by phone for the 1st time by Arhaus around XX/XX/XXXX by phone and told that if I tendered a payment via phone immediately that my account would remain up to date with no issues reported. I complied and gave them my card immediately. The Arhaus employee then told me that the account would remain up to date with no issues being reported and told me I would receive an email verifying this shortly after the payment was processed. I did not receive an email and roughly 3-4 days later I receive an alert on all 3 bureaus that I am 30 days past due on my credit account. This was the exact opposite that I was told on the phone by the Arhaus employee and I was compliant with all request the first time they contacted me. I have perfect credit and never miss a payment and this is incorrect. I have sent in documentation in the form of payment statements showing all of my payments being auto-drafted on Arhaus website dashboard on time to XXXX as well as to Arhaus/Comenity and it seems that nobody is accepting clear proof. This is a cheap attempt by a creditor to incur fees on a consumer with no history of late payments, a blatant disregard for the damage caused to perfect credit when a company is reckless with their customer service, and does not reflect the truth of my account history with this creditor.
Product: Debt collection

ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

PARAMOUNT RECOVERY SYS
Product: Credit reporting, credit repair services, or other personal consumer reports

The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, XXXX, XXXX, and Transunion stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

On multiple occasions, my Chase checking account has been double charged with XXXX after XXXX have already transacted my account. I feel Chase is the culprit of the second charge.
Product: Credit reporting or other personal consumer reports

Im requesting that my hard inquiries are removed. I dont recognize XXXX XXXX. 
Ive spoken to XXXX  XXXX in the past about removing the hard inquiry they agreed to do so but never did. And XXXX XXXX has multiple inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I was told that I only had XXXX choices, a loan modification, pay arrearage over XXXX dollars or foreclosure. Feeling extremely pressured, after my XXXX passing away last XXXX, I opted for a loan modification After the loan modification I became current I made my payment on XX/XX/year> and I became current the following day XX/XX/XXXX I was reported to the credit bureau as delinquent XXXX days, then reported delinquent XXXX  days again on XX/XX/year> i contacted XXXX XXXX several times via phone email and fax to no avail I was totally ignored ( Then once via phone I was told that the reporting was for the previous month ) Reporting a delinquency later than when it occurred can indeed violate the Fair Credit Reporting Act ( FCRA ). 
The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, reported, and used. It provides certain rights to consumers regarding their credit reports and ensures accuracy and fairness in credit reporting. Here are some key points related to reporting mortgage delinquencies under the FCRA : Timeliness of XXXX : Creditors and lenders are required to report accurate and timely information to credit reporting agencies ( CRAs ). 
If a mortgage delinquency occurs, it should be reported promptly to the CRAs. Delays in reporting could violate the FCRA. 
Shellpoint is not taking any steps to remove this inaccuracy from my credit reports. 
they are taking no responsibility for their actions what so ever! 
this is causing much emotionaXXXX XXXX.
Product: Debt collection

This debt does not belong to me. I have attempted to resolve this with 1st Access. This is ridiculous. The account is reporting late payments for XX/XX/2023, yet it is also reporting that the account was closed. 

This is an indication of my personal information being mishandled. 

I demand proof that this account belongs to me. I am requesting a written and signed contract with my signature. If not provided, this account must be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Equifax I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, cell phone bill, and Social Security had been attached. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX DOB : XX/XX/XXXX
Product: Mortgage

I wish to get a home equity loan on a house that I bought 14 years ago and on which I have accumulated significant equity. Weeks ago I started the application process with Loan Depot. They have moved my lockin date twice. Every few days they ask for more and more documentation, some of which is irrelevant. Two days ago they asked for settlement papers on a residential lot I bought 20 years ago, in another state. I still own this lot, but it was paid off many years ago and there are no claims against it. They have asked for proof of insurance, not just the insurance on the house on which I am applying for the home equity, this already having been supplied to them weeks ago. At that time, without my authorization, they changed the name of my present mortgage lender to LoanDepot even though they have not closed the mortgage with me. I have asked for an answer on my application, twice, either accept or decline, and have received no answer, but every few days I get a request for more and more documentation. I am XXXX years old, XXXX XXXX XXXX. I think discrimination in mortgage lending may be occurring.
Product: Debt collection

I was making monthly payments to XXXX. I received a letter in the mail from General Revenue Corporation and immediately began making payments. This is the same account, XXXXXXXX XXXX. Ive never missed a payment. The new account holder calls me weeks after receiving the letter in the mail and the rep said if I dont pay the entire balance by XX/XX/XXXX then she will report it to the credit bureaus. The letter has options to make payments towards it. She even pulled up my payment that I first made. I didnt know the account was being transferred so I immediately made a payment to remain in good standing. I have made 3 payments toward the account since receiving the first letter and now its been reported before XX/XX/XXXX and without accepting my payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX ( Transunion ) dont recognize or Did not authorize XX/XX/XXXX XXXX ( Transunion ) dont recognize or did not authorize XX/XX/XXXX XXXX  ( Transunion ) dont recognize or did not authorize XX/XX/XXXX XXXX ( Transunion ) dont recognize or did not authorize XX/XX/XXXX XXXX XXXX ( XXXX XXXX dont recognize or did not authorize XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX dont recognize or did not authorize XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX dont recognize or did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about CAPITAL ONE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Debt collection

I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptvy from my public record Validate Account XXXX Please remove this bankruptvy from my public record Validate Account XXXX Please remove this bankruptvy from my public record
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists OF PERSONAL CREDIT CARDS ACCOUNTS OPEN AT BANK XXXX XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, XXXX CARD ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, XXXX BANK XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX, AND XXXX BANK XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX account number XXXX,, XXXX XXXX XXXX account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence ENGELHARdt v. GRAVENS ( MO ) 281 SW 715, 719, I presume that no proof of the debt, nor therefore any such defect, therefore exist.
Product: Debt collection

Hello this debt does not belong to me after researching the debt I verified that the debt belongs to my ex husband & I had no knowledge of the debt nor did I give permission to open it. I have tried disputing multiple time with all XXXX credit bureaus with no success. I have never contacted the debt collector however, they continue to update the information. Which I have researched & found out that they are not allowed to change the dates of the original debt unless I have contacted them. Here is the information shown on my credit report. Please help me remove this debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to this information being furnished, infringing upon my right to privacy. 

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

XXXX XX/XX/2022 I filed an Experian credit dispute requesting Bank XXXX XXXX provide documentation validating the reported debt on my credit report. Bank XXXX XXXX failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Bank XXXX XXXX 's failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Product: Debt collection

The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to  pay ) they nee d to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have three inquiries that are also fraudulent please delete them also XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife contacted XXXX to ask for a payment extension for my payment due XX/XX/2020. We were not able to pay the {$160.00} before the due date. The rep on the phone said she would split the payment into 2 and charge {$82.00} that day and the balance would be pulled prior to the 30 day late mark so that this wouldn't affect my credit. My late fee was supposed to be removed also as a courtesy. None of this was done. The rep didn't notate the account properly, she didn't set up the payment properly and now I have a 30 day late on my credit which was due to an error on their end and they refuse to delete it. I paid the bill as soon as I found out what happened but by that time the payment was 32 days late so in their eyes it was my mistake. My wife is willing to testify that this occurred if needed we just need this corrected asap. This is ruinning my credit and ability to refinance my home for a more affordable payment due to this pandemic.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX CARD SERVICE # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX  # XXXX 4.XXXX  XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my report I have seen accounts that I have never applied.
Product: Debt collection

In XXXX XXXX I returned a rental vehicle to XXXX at XXXX XXXX in XXXX, Virginia. The signs at this location are very poorly marked. Additionally, it was the end of the day and some of the " standing '' signs were being moved, causing additional confusion. I mistakenly drove over the spikes which damaged all XXXX tires on the rental vehicle. I took pictures of the signs at the location and I have been trying to discuss this problem, as well as present the pictures to someone who understands the dangerous driving conditions and will acknowledge that XXXX caused the damage. 

I have received several phone calls and letters from Viking Client Services who will only state things such as " this is a debt '' and " you are responsible for paying. '' Although I always request to speak to someone else and to do whatever is necessary to get this problem transferred to someone who can understand what really happened, I just receive more collection requests, similar to the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX Bank and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?
Product: Credit reporting or other personal consumer reports

I have notice many inaccurate untrue and false misrepresentations on my credit report I have sent request for XXXX, Equifax, and XXXX. However I have gotten XXXX responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.