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

N accordance whit the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXXXXXX XXXX, XXXX, CREDIT CARD, OPENING DATE XX/XX/XXXX AMOUNT XXXX DATE CLOSED XX/XX/XXXX. XXXX XXXX, XXXX, INSTALLMENT ACCOUNT, MONTHLY PAYMENT XXXX, OPENING DATE XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX OPENING DATE XX/XX/XXXX, DATE CLOSED XX/XX/XXXX XXXX XXXX, XXXX XXXX INSTALLED ACCOUNT, OPENING DATE, XX/XX/XXXX, DATE CLOSED XX/XX/XXXX. XXXX XXXX XXXX XXXX, INSTALLMENT SALES CONTRACT, OPENING DATE, XX/XX/XXXX, DATE CLOSE XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm feeling XXXX, XXXX, and XXXX  regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  put this collection on my XXXX XXXX in the past with XXXX XXXX XXXX in XXXX XXXX XXXX I called and emailed the issue directly with them as well as Consumer Finance to let you all know that I did not owe XXXXXXXX XXXX They got paid from the Department of Education in XXXX the last time I was an actual online only student. I never paid out of pocket. They only got paid from D.O.E.. When their funding stopped from thr D.O.E. for misappropriation of federal funding. The was taking to court. They lost the trial for being fradualent with the D.O.E. Asking for more money inappropriate like they have continued to do to me as well as several other students, in a last ditch effort to get more cash. Now they give the fraudulent collection to Williams and Fudge to attack my XXXX when I already gotten rid of them. In the middle of this time they have continued to call and harass me. My next step is a lawsuit for the harassment and they need to stop now. Because I won't. I care about my credit and I refuse for any lie to be on there at all. Enough is enough. I never owed them and never will. They unenrolled me in school XX/XX/XXXX after last class online without permission, ( I did not find out from till XX/XX/XXXX, when I went into my Department of Education Account, before they sent this to collections after manipulating me on phone to pay part, half or all to come back as a student. 

I have reported to XXXX, now Consumer Finance and next FTC and Williams & Fudge Collection Agency to resolve this. 

I have attached all the other CF reports I submitted. Along with the {$0.00} balance that I owe XXXX and the court news about the trial that they were involved with the list they was on with DOE to stop funding for being inappropriate and misappropriation of funding. XXXX lost and they continue to harass us students because they can not make anymore money from the D.O.E I have proven my case over and over. The collection agencies needs to be aware of the fradulant companies they are sending over collections for. I have great credit and I will not allow this to continue. I will report to all business ' that handle these situations daily till this resolved.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report, which contradicts 15 USC 1681b ( c ) ( 2 ). These errors are harming my credit, so I request their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

This complaint relates to my Discover card. I pay this card online, and have for several years. This is intended as a way to insure that the payment is received on time. I am not dependent on the US mail to deliver a payment by the due date, and for the most part this has been successful. 

However, the payment made by phone for the month of XX/XX/2019, which was made on time and as I have made every other payment on this account, was recorded by Discover a day AFTER the deadline, causing a late fee. The payment was made on XX/XX/XXXX ; however, Discover processed the payment on XX/XX/XXXX, causing a {$28.00} late fee to be assessed to my account. This is unacceptable. 

I am also concerned that this malicious action on the part of the Discover card may have additional detrimental consequences, including an increase of the interest rate I am charged on this card, as well as a negative effect on my credit rating. These must be reversed, in both cases.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XX/XX/XXXX where I was ( traveling in XXXX for work ) I received a call from a Chase number telling me I needed to perform a wire reversal of two transactions equaling XXXX dollars from my Chase business account. After performing the transaction, I called Chase immediately and they told me it was a verified Chase number calling, and to expect my money back in 5 business days. Several days later when the money was never sent, I called again, and it was only then that they flagged it as fradulent. They couldve stopped the transacfion, but never even sent me an e-mail or notification that the money was transferred. This was every dollar in my business account, and they did absolutely nothing to protect, and they are continuing to not contact or help me regarding the claim. It has now been over a month since this transaction.
Product: Debt collection

On XX/XX/2017 my wife received services related to her XXXX from XXXX XXXX ( XXXX XXXX XXXX ). The amount owed for these services was {$160.00}. 

Initially, we were informed this and all other bills related to her regular check-ups during XXXX were covered under a global charge that we paid upfront as part of my wife 's XXXX services. As a result, when we initially received a bill for this we believed it to be in error. We received two follow-up bills and two follow-up calls. As a result, we contacted the office about this charge. As it turns out, the offices initial communication was incorrect and XXXX  were not covered under the global charge. As a result, we did in fact owe the {$160.00} bill. Unfortunate communication mix up but no issues yet. 

We then proceeded to call up XXXX and attempted to pay that amount. We called up their billing line and there were multiple charges outstanding at the time. As a result, we paid all outstanding items. As part of this conversation we explicitly asked to confirm that our outstanding bill from 2017 was paid in full. They collector confirmed that that bill and all other amounts had been paid. 

Following this call, we were contacted by MEDICREDIT , Inc, a collection agency. They claimed this amount remained unpaid. We called up XXXX again and they confirmed all outstanding amounts had been paid. We then contested MEDICREDIT 's derogatory mark on my wife 's bureau. XXXX, however, confirmed that the {$160.00} remained unpaid. As a result, we contacted XXXX for a third time. This time the agent once again confirmed that we did not have an outstanding balance. When I explained the full situation again, however, the agent asked me to hold and forwarded me to another group. This separate group was then able to confirm that the {$160.00} remained unpaid. 

The issue was a systems error on XXXX XXXX part. The {$160.00} charge was removed from their current system in put into archive at some point prior our initial attempt to pay the bill. As a result, although the agent confirmed that all bills had been paid, the {$160.00} bill remained unpaid. 

As a legitimate debtor, we of course are going to pay the {$160.00} debt outstanding. We, however, requested that XXXX remove the derogatory mark from my Wife 's credit bureau, as the bill remained unpaid due to incorrect information presented by the Company due to a systems error. 

XXXX informed us that they are not responsible for providing us the amount of debt outstanding on our account. They informed us they can only present information according to their system regardless of the accuracy and they not responsible for any inaccurate information that may be communicated to the consumers. 

We will of course pay the debt, but we do contest XXXX XXXX claim that they are not responsible for a derogatory mark on my wife 's credit as a result of their multiple inaccurate statements with regard to the amount of debt outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist BB & T incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each time Truist BB & T claims the information is accurate when it is not.
Product: Debt collection

I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I do not have and have never had a debt obligation ( Account ) with this company. I do not know this account or have any outstanding debts to this company. This company doesn't have authority to report or collect and enforce this false debt claim. 

I do not have any contractual agreement with this company and their false reporting is costing my credit score and day to day living cost to be harmed. 

This is a violation of the Fair and Accurate Credit Reporting Act and the Fair Debt Collections Practices Act. the information is expressly misleading, incorrect, in error and false. 

Fair Debt Collection Practices Act 15 USC 1692 Title VIII Fair Credit Reporting Act 15 USC 1681 as amended by the FACT Act of 2003
Product: Debt collection

HP SEARS has reported invalidated information to the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) I am requesting HP SEARS to produce copies of your 1096 tax form, your 1099-OID, your INC and your PRC in reference to the account listed above. I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you.
Product: Checking or savings account

i made Six transaction using Chime credit builder with cash back deals on it at gas stations. i didn't get the cash back reward for the last three transactions so i reached out to customer support spoke with an agent named XXXX who reviewed my transactions. he 1st responded saying the deals are only active for 4 hours & must be used within that time frame. i told him i used it within 10 minutes & provided screenshots of the 3 transaction along with the cash back deals which has a time stamp, date & address the deal was for. XXXX then says i made the purchase before i activated the deal. Lies because the screenshots from my account history proves otherwise. i tell XXXX, who i am sure didn't even review the screenshot. i confront him about lying & his excuse was " thats what im seeing in my system '' then proceeds to tell he will have a supervisor call me to better handle the issue. i get a call from a women claiming to be a supervisor. didn't give me a name reviews my transactions & the time the deals was activated. her response was that i didn't use my checking account. ( for context Chime has a checking account & a credit builder account which works like a credit card without any actual credit in it. you have to transfer money to that credit builder which then acts like a credit card which is supposed to help raise your credit. ) i used the credit builder however i used it 6 times & i was credited 3 times for the chime deal so i tell her and she states that she then lies and says she sees the transaction on my checking out. i have proof that i never used my checking account for any purchase ever. i confront her lies & ask to confirm if she sees previous purchase from my checking account. she refused to answer me then proceeded to HANG UP me on. 
called back, was left on hold for 15min before being hung up on again. got back on the app Spoke with XXXX claiming to be supervisor transferred me again to speak on the phone with Agent named XXXX who stated she doesnt handle the issue, transferred to agent name XXXX who then left me on hold for another 15-20 min. before being hung up on again. spoke/chatted with 7 different agent in the span of 2.5 hours with no resolution, just more problems. i used their service thinking it would help increase my credit but that it doesnt seem to do anything. How are companies like this are in business?
Product: Mortgage

I have been impacted by Corona Virus, my company initially reduced my pay to part time in XXXX, at this time I contacted my mortgage servicer Rushmore Loan Management. I was told that we could file for a deferment the deferment had been approved via a letter dated XX/XX/XXXX to begin in XX/XX/XXXX. I was asked to call to accept or deny the deferrement, at the time we had the money in our account to make our XXXX payment so I asked the representative if she would suggest we make this payment and begin the deferment in XXXX. She said i could do that and I would just have to reject the deferment and refile the request in XXXX. Upon refiling for the deferment I was rejected by the company stating I had passed on the deferment and was non longer eligible. I called Rushmore on XX/XX/XXXX asking what this letter was about and they said I am not eligible for a deferment any longer. I had explained to the associate that this is what their previous associated instructed me to do, and she replied " nobody 's perfect ''. At this point I asked to speak with her manager. The manager said there seemed to be a glitch and I would need to reapply for the deferment through their Covid link on their website XX/XX/XXXX in order to get a future deferment. I did this on XX/XX/XXXX and did not hear back from Rushmore in the allotted two week time period for acceptance they say they will provide. I called on the XX/XX/XXXX asking what was going on with my account and the woman I spoke with replied that I had been approved and there was nothing left to do on my part, and that they would contact me about 70 days into the deferment to see if we would need to push this past the 90 days. I assumed all was ok until I received a letter dated XX/XX/XXXX as a notice of intention to foreclose. I called Rushmore immediately and asked them what was going on. They gentleman explained that the deferment had been approved but for some reason it was not processed, and that he would send a lengthy letter to the person handling my case to finalize the process. He told me to call back tomorrow and speak with someone to make sure it was done. I called yesterday XX/XX/21 and the person I spoke with did not seem to understand what was going on and could not direct me to the proper person to resolve this. He told me to give them another XXXX hours to finalize my deferment. He acknowledged that this was their error and he would have it taken care of. I am very nervous they are not handling this and I see that XXXX XXXX has many programs in place for people to defer their mortgages up to a year during the Corona Virus but this company does not know what they are doing. I asked for a point of contact he told me he could not gve me one and I would need to just keep calling back. Every time i call each person tells me something different, we have done everything according to their instruction and this has become a huge problem. We really need help ASAP!!
Product: Credit card

On XX/XX/year> while opening up my mail, i saw a mail from XXXX notifying me that my personal information was stolen in a data critical vulnerability. the information involved my social security number, date of birth and financial account number. It also provided me with credit monitoring with credit XXXX work for one year. Since i was a victim of identity theft in the past, and happened to have an XXXX account, l got my new set of credit report that gave me the shock of my life and i found out that I was a victim of identity theft once more. Apparently, these criminals somehow found my personal information and used it to get a credit card from Wells Fargo Bank. If i did not get my report today, i would know nothing about this at all. Please note I did not make these charges on this account, and I did not get any benefit from it. Therefore, I would like for this account to be closed and removed from my credit file ASAP. Please help me to resolve this stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and Equifax credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am submitting this because the 3 bureaus are reporting misleading, and inaccurances on my report. This is keeping me from obtaining credit.
Product: Mortgage

During the month of XXXX I was contacted by my mortgage company, Home Point Financial, stating that my payment was past due. I checked my bank account since I have it set up for automatic payments and noticed my account was actually debited. I called and the service representative said that my new payment amount was around {$3100.00} which was a {$900.00} increase from what I had been paying. I asked why and was then transferred to the insurance department only to find out that they had mistakenly applied Lender Placed Insurance to my account causing my escrow balance to be in the negative. After over an hour on the phone the insurance rep. said she will fix it and order a new escrow analysis. About 30 mins later I get a call from the mortgage company again stating my payment is past due ... obviously had no clue about the 1 hour conversation I just had. I proceeded to explain again, at which point she told me I should still make a {$950.00} payment until everything was cleared up to avoid any issues and they will refund me once that was done ... so I did. Fast forward a couple of weeks, my XXXX payment is kicked back when I call I have another new payment amount hence the automatic payment didn't go through and it was still for a different amount. I call get bounced back and forth, call 3 times, send internal messages and nothing. Now I've been charged a late payment fee of {$69.00} and the last representative, XXXX, told me to continue calling for status updates and when it is cleared the fee will be reversed. I asked to speak to a supervisor, he told me there were a call center and one was not available ... to which I responded " so you're basically telling me that due to a mistake the company made I can not submit my payment and my hands are tied because you don't have an escalation process '', he replied " yes, I'm sorry ma'am ''. Awesome customer service ... NOT.