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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

I am writing to formally dispute the {$790.00} charge that is being reported on my credit report under your companys name. I have contacted XXXX customer service multiple times regarding this matter, and each time, your representatives were unable to locate any record of my account in your system or provide a valid resolution. 
As per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), I am requesting that XXXX provide me with debt validation for the amount of {$790.00}. This includes proof of the debts validity and documentation showing that I owe the amount being reported. Additionally, if XXXX can not provide such documentation, I request that this account be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I want to address an issue concerning debt collection related to a debt that I do not owe. In late XX/XX/2023, I contacted the business to dispute charges on my account that were not mine. A representative acknowledged the problem and promised to investigate but failed to follow up. In XX/XX/2023, I learned that the disputed debt has been reported to a credit bureau and sold to another collection agency, now totaling {$810.00}. I'm facing ongoing harassment through email, mail, and phone calls. This situation has adversely affected my finances and creditworthiness even though I tried to be in contact to figure out a resolution to the issue. 

My spouse has also got calls, emails, and now a letters regarding the disputed debt for an account of which I am the main holder. XXXX XXXX XXXX  has incorrectly directed the same letters, calls, and messages to my spouse, falsely claiming that the debt has been sold and non-payment reported to the credit bureaus.
Product: Debt collection

I received a notice to answer interrogatories sent by employer. Midland Funding LLC placed a default judgement against me for failing to appear. I never got any notice of this action or it would have been disputed immediately. I went directly to the court house and copied every page in my file. It appears that they have illegally filed default judgements that I was not notified about. I researched this company and the assignees. All of them are defendants to the 42 state law suits filed by FDIC. Reference {$6.00} Million dollar settlement agreement Encore capital group, Midland Funding LLC, Midland Credit Management, XXXX XXXX XXXX XXXX. Improper service, lack of service, affidavit robo signing and much more. I have proof of robo signing in my file. Unsigned affidavits with exact duplicate hand writing that says White House. My neighbors also have white houses. 2 of the affidavits each from different years have White House boldly hand written across the affidavit. My house as addressed was brown This is a provable fact. My husband and I bought the house in XXXX and it had green asphalt siding on it. We installed new brown siding on the house in XXXX and I have pictures of us installing it. It is still the same siding today. The files have absolutely no validating information to verify these debts belong to me, no justification of amounts owed, no original documents pertaining to me, no documentation stating I have any obligations to Midland or anyone else, no timetable of defaults time barring or otherwise. I researched several years of law suits for the exact under handed activities I see happening in my case. I want these fraudulent judgements and impending garnishment vacated and them to cease and desist any further illegal actions against me. The law suits identify several violations including : Encore Capital Group , Inc and its subsidiaries, Midland Funding LLC, Midland Credit Management , Inc were charged for using illegal tactics to collect unverified debts. The settlement resolves a multistate investigation into debt-buying companys collection and litigation practices, including claims that Midland robo-signed and filed affidavits containing unverified and potentially inaccurate information to support debt collection lawsuits against consumers.. The settlement provides debt relief to hundreds of consumers and requires Midland to reform its practices. The lawsuits state Midland violated federal and state laws, including the federal Fair Debt Collections Act. A copy of the settlement agreement is available at : XXXX : XXXX
Product: Mortgage

Multiple records of delinquencies on my credit report. 
As you know, my situation with payments were caused by started and ongoing for a time loan modification. My mortgage holder literally " required '' me to be behind on at least XXXX payments, even though when I first called for assistance, I was current, but I knew that it is about to get challenging for me to pay further, as I had a medical condition, that was to prevent me from working for a period of time. 
I was literally advised that in order to get assistance or even apply for it I am to miss at least XXXX payments. I followed advise. 
Loan modification process was out of my control in terms on how long it has been taking, and it took unreasonably long time. The mortgage holder was very inefficient. 
Now I am being punished with my credit history records. I consider it unfair, if even legal and REQUEST THE DELINQUENCY RECORDS TO BE CLEARED FROM MY CREDIT HISTYORY IMMEDIATELY, as they affecting my life in a very negative way.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XX/XX/year>
Product: Mortgage

We applied for a home refinance loan with JP Morgan Chase Bank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX to refinance our loans with XXXX XXXX and XXXX XXXX XXXX, and signed the final loan papers on XX/XX/XXXX. The new loan with Chase included a pay off our first mortgage with XXXX XXXX and our XXXX mortgage with XXXX XXXX XXXX. Chase paid off our XXXX mortgage with XXXX XXXX on XX/XX/XXXX. However, our XXXX mortgage with XXXX XXXX XXXX has not been paid off as of XX/XX/XXXX. The final HUD-1 settlement statement for the refinance that we signed stated on line XXXX that Chase would payoff our mortgage of {$60000.00} with XXXX XXXX XXXX. A few weeks after signing the final HUD-1 settlement statement, we received another HUD-1 settlement statement in the mail that was changed on line XXXX. The payee was changed to " XXXX '' instead of XXXX XXXX XXXX but the amount of {$60000.00} was not changed. We do n't have a mortgage with " XXXX, '' and have never even heard of " XXXX. '' We have left messages with the Chase loan origination department and have contacted the loan processing managers, but our mortgage with XXXX XXXX XXXX has not been paid off and we now have XXXX mortgages with Chase and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

CFPB, I am writing in regards to XXXX and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. XXXX  is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX TransUinon is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.
Product: Mortgage

My mortgage loan was sold to LoanCare in XX/XX/XXXX. In XX/XX/XXXX, XXXX mailed me an escrow analysis statement indicating my payment was reduced by approx. {$200.00} effective XX/XX/XXXX. I mailed LoanCare the reduced payment for XX/XX/XXXX. Shortly afterwards, I started getting calls about my payment. I called LoanCare and explained that my payment was reduced. They stated they needed to update their information and to fax them a copy of the XXXX escrow analysis. I faxed the information and emailed customer service but I continued getting calls. I called 3 times and eventually spoke to a supervisor. He assured me that he 'd correct the issue and he 'd send me a letter regarding any negativity regarding my credit. He left me a voice mail saying the issue was resolved. I then made the XX/XX/XXXX payment but I paid the higher amount because they were taking too long to fix the problem. I then received a statement from LoanCare with the corrected payment due and I made the payment for XX/XX/XXXX. I mailed my payment as directed. I checked my credit score in XXXX and it dropped XXXX points. When I reviewed the reason, it indicated my payment to LoanCare was 30 days late for XX/XX/XXXX. I called LoanCare again and was told they would call me the following day because the supervisor I mentioned was not in the office. I did not receive a call back. Since then, I received from Loan Care another escrow analysis and it is now indicating that the payment has gone back up again. I reviewed it against my old XXXX escrow analysis statement and there is only a difference in the amount being applied to principal each month XXXX different interest rate? ) ; hence, there is less available to pay the taxes and insurance ( Both are the same amounts as in the previous year ). I have called, faxed, emailed, begged and pleaded for this matter to be resolved and for my credit score be corrected but they are not doing anything. This is ridiculous that I have had to spend hours on the phone and my score has dropped XXXX points. I have not done anything wrong but I am the victem of automated systems and customer service reps that cant help. What should I do next?
Product: Student loan

Continually having trouble with the company sending incorrect billing statements, ( XX/XX/XXXX ). Having lost my SAVE ( IDR ) application renewal ( XX/XX/XXXX and XX/XX/XXXX ) then stating that I never qualified for it ( false according to DoE website and was later enrolled anyway without any sort of notice ). 

Have continually asked for estimated payments and was told that they could not provide these ( XX/XX/XXXX )! 

Have received statements saying that payments are late/overdue/not received when I have proof that money was received well before the due date ( XX/XX/XXXX payment for a XX/XX/XXXX due date ) was supposedly never received and reported as overdue despite receiving confirmation emails for payment on XX/XX/XXXX. 

Have attempted each time there is an issue to call the company ( also get an automated message stating that the call wait time is more than 20 minutes and I have been entered into a call queue for a call back but never get a call back ). The two times I have been able to get an agent on the phone after more than 30 minutes on hold, they say they need to " consult a supervisor '' and then disconnect me or say that they will have a supervisor call me back and I never get a call. Have tried their online customer service chat function and writing letters, but get automated messages not relating to my actual problem, or chat gets disconnected and is " unavailable '' on the website ( how is this possible?? ). 

I think this servicer is either woefully understaffed by people who don't have any training or ability to fix system mistakes/errors or is willfully and negligently making mistakes so that people get their credit dinged by false late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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 an account without my written instructions. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print XXXX pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!
Product: Payday loan, title loan, personal loan, or advance loan

We took out a loan on XX/XX/XXXX with NetCredit. The total amount was XXXX. The interest rate provided was 64.80 % which while high, was still within the Indiana limits. They began withdrawing XXXX every 2 weeks. After several months we realized we were only paying down roughly XXXX dollars a payment and the rest was going to interest. That didn't seem accurate with a 64.80 % interest rate. Upon looking at their payment schedule it was showing we wouldn't be paid off until XX/XX/XXXX. That would be a total of roughly XXXX paid back. This is almost a 190 % interest on this loan which is not legal in Indiana. I did stop payment to this company but they continue to report it on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE SUBMITTED PROOF OF PAYMENT TO CREDIT BUREAUS AND CREDITOR! CREDIT BUREAUS DONT DO ANYTHING DESPITE HAVING THE PROOF OF PAYMENT
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : LOANCARE
Product: Credit card or prepaid card

Chase Freedom Visa and violation of 2018 Senior Safe Act and Elder Fraud. On XX/XX/2019 I reported a dispute with two charges made onXX/XX/2019 on my XX/XX/2019 Chase Visa Statement. After my calls and written dispute letters, Chase 's  Customer Service stated they could not help me because they had two " online Square '' receipts with my signature from a " Face-to-Face '' transaction. I told Chase that I was overcharged : I thought the purchase was for {$40.00} but the Chase Statement ( and apparently the online Receipts ) show {$4200.00} and {$310.00}. I believe Chase Visa is in violation of the 2018 Senior Safe Act because my spending/charging history clearly proves that I do not make such large purchases for cosmetics. I am an elderly senior citizen and would never spend such a large amount on cosmetics -- especially not at a XXXXXXXX XXXX XXXXXXXX XXXX in XXXX Florida. Nevertheless, Chase authorized both charges of {$4200.00} and {$310.00} without red flags from its Chase Fraud Dept. I am alarmed that Chase would authorize this amount because other card companies ( notably XXXX ) would have declined authorization until I contact them directly to verify the amount. Furthermore, Chase Customer Service was clearly not sympathetic and left garbled messages on my answering machine to call some number that sounded fraudulent. I did contact the merchant ( XXXX XXXX ) to try to get an itemized receipt and a refund. XXXX aka XXXX in XXXX FL was unable to provide me with an itemized receipt of what I had purchased for that extraordinary amount of money. Furthermore, XXXX told me absolutely No Refunds and I could not even exchange unused products after 14 days. As a retired very elderly senior citizen on a limited income, I am horrified by both Chase Visa and XXXX 's disregard for my situation.
Product: Credit card or prepaid card

The company constantly close my case XXXX without giving me any reason. I did not receive the package, uploaded police report and every other supporting documentations. I don't understand why Citi is telling me that I'm responsible for the charge without giving me any legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiile car loans on my account that are closed and show that i rented a car but i didnt it dosent belong to me
Product: Debt collection

Account reported opend on XX/XX/XXXX. Reported on XX/XX/XXXX from BANK OF AMERICA in the amount of {$27.00}. This balance was not discussed or have never been notified of the debt. This is incorrect reporting that is greatly affecting my XXXX XXXX on the XXXX credit bureau. I do not have any used balance from this bank and paid all that was used. This inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX twice requesting that they change the status of my XXXX XXXX  account due to the fact that I received a loan payment extension for the two months that show past due which are XX/XX/XXXX and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX  did not contact XXXX to verify the information and the status of the account. I also contacted XXXX about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. 

All I want is for the XXXX XXXX  account to be updated to show that there are no late payments and the account is current as of now.
Product: Mortgage

On XX/XX/2021 I contacted Quicken Loans about obtaining a mortgage loan for a house I had just gotten under contract with ; XXXX XXXX XXXX, XXXX XXXX, NC XXXX. On the advice of my real estate agent, XXXX XXXX, I specifically asked how quickly an appraisal could be ordered and when we would have the report by to ensure we would have it prior to our due diligence period ending on XX/XX/XXXX. I was assured by XXXX XXXX that the appraisal would take place on XX/XX/XXXX and the report would be returned to me no later than XX/XX/XXXX. Over several phone calls to XXXX, and XXXX XXXX before and after XX/XX/XXXX, we were assured that the appraisal had been conducted and that Quicken Loans was urgently working to obtain the report and give it to us. After the due diligence period ended on XX/XX/XXXX my real estate agent and I continued to follow up with our points of contact at Quicken Loans and on XX/XX/XXXX were informed that the appraisal never happened and there was no report to send to us. The original closing date for this sale was XX/XX/XXXX. Quicken Loans was aware of this starting on XX/XX/XXXX. During this time they provided many assurances via phone and email to myself and my real estate agent that they were " urgently working '' to resolve this issue and addressing this with management at Quicken Loans and the Appraisal Management Company. To date I have seen no evidence to prove anything has actually been done to honor the original closing date, or expedite a new closing date.