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

This morning, I was stunned to discover inaccurate accounts on my credit report, and Im at a complete loss as to how they got there. I routinely check my credit report, but this time, out of the blue, there were mistakes. I thought it might be a browser glitch, so I refreshed the page, but nothing changedthe errors remained. Given the situation, Im asking for a thorough check of the documents Ive submitted to ensure I never have to worry about this again.
Product: Debt collection

During the months of XX/XX/XXXX/XX/XX/XXXX. We received a letter from XXXX XXXX sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced XXXX XXXX was collecting the debt for PHH mortgage company who was listed as the servicer for the loan. 
Since XXXX couldn't provide any documentation that actually provided that PHH Mortgage was the actual servicer of the second mortgage loan, I ask for additional information from XXXX. 

On XX/XX/XXXX I received an email from XXXX and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from XXXX. 
I kept requesting and no information was provided by XXXX. 

On XX/XX/XXXX, I received a demand letter from XXXX and they continued to reference PHH mortgage as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to PHH mortgage which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by PHH Mortgage.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from PHH Mortgage Corporation asking me and XXXX XXXX, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, PHH mortgage was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.
Product: Credit card or prepaid card

I opened a Discount Tire credit card in XX/XX/XXXX to purchase tires for my vehicle and to also add an additional account to my credit. I purchased the tires in XXXX of XXXX and didn't receive my first bill till XXXX of XXXX. Prior to receiving my first bill I did receive a phone call from Synchrony bank informing me that my payment was late. I found this was strange news to hear as I still didn't have a bill yet. Durning the call I tried to make a payment from my PAYPAL debit card which is my main banking platform but there system kept rejecting my payment so I told them that I would have to get a new account to pay with. About a week later I was able to make my first payment of {$100.00} towards my balance of {$1100.00} with the contracted terms of no interest, if paid in full, within 9 months. I received my bill for the next month and found discrepancies on it so I called Synchrony Bank to get some answers. The discrepancies that I found was that they did not apply my full {$100.00} payment to my account balance but instead took out a card security fee of {$20.00} which made my first payment short and late because the minimum payment wasn't made, they then also charged me a with an additional late fee of {$39.00}. I did not sign up for a card security program. They refused to remove the card security fee from my bill and send me an accurate bill per the terms of my initial purchase receipt with Discount Tire and I've tried to explain on multiple calls with different representives that I did not sign up for the card security. 
I have been trying to pay my balance of {$1000.00} over the phone with XXXX since XX/XX/XXXX, well before the 9 months of interest free as shown in my agreement. They refuse to accept my payment and continued to demand I owe them card security fees, interest, and late payment fees. After Speaking with a local debt consolidation company I sent them a personal check for the remanning balance of {$1000.00} via certified mail on XXXX and due to the COVID-19 Pandemic the certified item was delivered and available for pickup at there PO BOX on XXXX. My personal check was cashed on XXXX and my account was credited in the amount {$1000.00}, even thought my check was written for and presented to my bank in the amount of {$1000.00}. 
According to my original agreement this should satisfy my financial obligations on this account. There should no be any negative reporting to the credits bureaus in regards to this situation. 
I appreciate the CFPB and your help in this matter, since after having to file com [ plaints with various other credit bureaus, as well as attempting to resolve this issue with Synchrony bank directly, several times. I felt as if i had no other choice, so thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on XXXX XXXX but not XXXX or Experian. 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I have been locked out of my experian account. I froze my credit due to a security breach. However, I must have lost my PIN or password because I can no longer log in. I have called the ph number they recommend multiple times over the past 4 months but I can never get to a live person to help. They try to text my home phone which doesn't have text capability. 
I also sent a letter to the address they recommend in XXXX, TX. 
It is a problem becaue I can not buy any large purchases without access to my own credit. Can you please help me get access to my own account? 

XXXX XXXX.
Product: Debt collection

i never recd the bill from XXXX  for which i thought paid full as required to transfer service to XXXX XXXX  XXXX.two ago. 
XXXX  send collection without my knowledge to allied collection agency out of XXXX XXXX, i found out when called and demanding and bullying me, i explained i never been late in my life. i had XXXX  service 2 years ago, I paid in full. 
I found it only credit bureau who has this negative remark is XXXX XXXX bad company ). I send request to investigate which they never did and subsequently i call XXXX, they found after reseach i owe them {$210.00}. i paid on spot, same day, once they gave explanation. I check my credit file that still has negative remark. it should removed asap as money i owe to XXXX  money paid full.. nobody care of customer, everyone is running greedy to take dime they can from customer without doing proper job, no customer, except you guys who best interested in consumer well being. pl look this matter and resolved ty ty sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, az XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about XXXX XXXX XXXX inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus Equifax, XXXX, and XXXX for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card issued by U.S. Bank. My card has been inexplicably been declined over 3 times. The app wont let me log in due to technical difficulties. I called them and was on hold for over 20 minutes. I am not sure what is going on but hope someone can give me some answers.
Product: Credit card or prepaid card

On XXXX XXXX 2020 this writer used their Capitol One credit card to purchase VIP tickets for XXXX XXXX XXXX festival scheduled for XXXX in the amount of {$570.00}. 

On XX/XX/XXXX ( 8 days before the concert ), the Festival cancels/postpones the show. 

This writer contacts Capitol One after contacting XXXX XXXX for a refund as XXXX XXXX  Denied Refund. Capitol One was contacted mid XXXX and refunded this writers Capitol one Card in XX/XX/2020 for {$600.00}, {$570.00} for the amount of the concert tickets and {$18.00} in interest fees. 

XX/XX/2020 this writers see 's a charge of {$570.00} on billing statement and contacts Capitol One XX/XX/2020 to dispute charge. Capitol One states the charge is due to XXXX XXXX disputing the refund. This writer shared the Fair Billing Act appears to be violated in that services were not provided on said day and therefore a refund should be granted as payment was given and services were not received. Capitol One requested further documentation from this writer which was sent on XXXX to : TransactionSupport Center Capitol One XXXX XXXX XXXX XXXX XXXX XXXX UT On XX/XX/2020 this writer called Capitol One to get status of case and representative said aforementioned information was needed. This writer shared information was sent and a grievance would be filed with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the 3 bureaus but they didn't respond anything. 
These are the accounts that I have disputed with the bureaus. 

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

XXXX complaint was ignored and a false resolution was provided. This has taken longer than 30 days an the generic response is just a way for he agency to continue to house inaccurate and illegal information on my profile which I still have no access to despite me sending the tons of files as proof I can not be authenticated to even view my profile and should not have to be on hold and go through lengthy calls to ask for a report only to have to wait up to 15 business days to view the report if I am home and not traveling by the time it arrives.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX notified me that they would notify Equifax to remove a hard inquiry on my consumer report. As of XX/XX/XXXX the hard inquiry is still disclosed
Product: Debt collection

Was contacted by Ability Recovery services in regards to a debt that is said to be owed by me From XXXX XXXX the original company who filed the claim. I have never received any services from XXXX XXXX and furthermore I have no business with Ability Recovery Services. I contacted Ability Recovery Services on XX/XX/XXXX in regards to a collection letter disputing the matter. Until date I have not received any correspondence back. On XX/XX/XXXX I sent a follow up letter to the disputes department informing them that I have not received any response and per the Fair credit act they were now out of compliance.
Product: Student loan

This has been an ongoing issue ever since Navient took over my student loans in XX/XX/XXXX. I have been prior to that date religiously paying back my loans since graduation from XXXX University and began paying back my loans ( which is all in my records ). Without notice at sale of students loans from XXXX XXXX to Navient my repayment amount skyrocketed without notice from {$230.00} a month to over {$1000.00} dollars a month. Absolutely ridiculous. On top of that, they without my permission and after I revoke access to my checking account debited my account the amount of over {$650.00} dollars that I had my bank provide back to me. I had to shut my them out of my bank account to prevent them from stealing from me. I have reported them to the attorney generals office of NC and the BBB all of which has been unsuccessful. I have requested a lower payment plan, reduced payment plan after my wife was laid off at her job and just could not afford over {$1000.00} dollars a month in student loan repayment. Nor could we afford XXXX, XXXX or XXXX dollars in repayment. I could afford XXXX and after our hardship XXXX dollars and a needed forbearance which I could never be approved for based on my 'income ' which all the household bills I had were never taken into account. This 'business ' is a predatory bunch of thieves backed by the government and they need to be stopped. The fact that I have been paying on my loans since the year XX/XX/XXXX and have not cracked a dent in it is a travesty of justice. I have more than paid back what I have borrowed to attend my 4 years of college. They additionally added disbursements to my student loan data while i was n't even attending college in the year XX/XX/XXXX and XX/XX/XXXX. i graduated in XX/XX/XXXX. in the amount of nearly 20K.
Product: Debt collection

First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my XXXX XXXX XXXX  and cause futher XXXX The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

Equifax, put and XXXX XXXX on my credit report without my consent. I sent them and copy my social security card # my Driver License #, my XXXX. I did everything that Equifax asked me to do and they still kept a Fraud Alert on my credit. Also I got and email from XXXX, on XX/XX/2022 at XXXX am saying the they place and XXXX alert on my credit. I did ask XXXX to place and XXXX XXXX on my credit,. I spoke with two XXXX agents on Friday XX/XX/2022 and aske if I have and Freezes and Fraud Alert on my credit and the agent confirmed that I had no Alerts or Freese on my credit. I also called XXXX and was told the same result that on alerts or freezes was on my credit. I was trying to get cell phone carrier XXXX XXXX XXXX and when they ran my credit it's and hold on my social security number my credit won't go though. I have been going though this for two weeks. Now XXXX want 's me to write to them to have the XXXX XXXX removed that is not fair to me when I didn ; t ask them to put the alert on my credit. Please help me XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
Product: Credit card or prepaid card

I opened a new Chase Sapphire Preferred credit card in Chase Bank local branch in XXXX, PA this XXXX. Back then the promotional offer for this new card was that I will receive XXXX bonus points after spending {$4000.00} within the first 3 months. When I opened this new card, Chase branch banker promised to me that, if a better promotional offer becomes available within 3 months, Chase will match my current promotional offer to the better offer.

In XXXX, Chase upgraded the promotional offer to a better offer in the market. In the better offer, Chase offered XXXX bonus points instead of XXXX bonus points after {$4000.00} spending in the first 3 months ( exactly the same purchase requirement ). Based on Chase Banker 's commitment, I contacted Chase to request matching my offer to the better promotional offer available in the market and apply the additional XXXX bonus points to my account. However, Chase Executive Office simply declined my request without any legitimate reason. They completely ignored their own Chase Banker 's promise and commitment. This is against their basic business principles and integrity. Also this is essentially cheating customer. 

I request Chase to honor their banker 's commitment and match my credit card offer to the better promotional offer by applying the additional XXXX bonus points to my account immediately.
Product: Debt collection

I received a debt collection letter from XXXX for XXXX XXXX ( not a real company ) sent to my po box mailing address from Convergent regarding a debt for {$550.00} bucks I have no association with. This is fraud and needs to be removed from my credit report.
Product: Credit card

During the month of XX/XX/year>XXXX  I received a letter stating that there was fraudulent charges made on my credit card. I asked what where they and they said they could not tell me. I had received a letter saying that they wanted a drivers license and I explained that mine was still from XXXX  as I was in XXXX  and I would be moving to XXXX  in the next year. I did send them a copy of it the next day and they are now saying it does not show when it expires! I can clearly see on my copy the due date! They want another copy in order to remove the block! I have paid this card off every month and dont fell this treatment is right!
Product: Mortgage

In XX/XX/XXXX after a HAMP program modification XXXX XXXX sold my loan to SLS. XX/XX/XXXX I received my first statement from SLS stating to pay {$210.00} on XX/XX/XXXX as it indicated there had been {$1300.00} already applied toward the XX/XX/XXXX payment. I telephoned SLS as asked where the {$1300.00} came from and was informed it came over from my former lender with the escrow balance. I paid the {$210.00} as requested. XX/XX/XXXX I received a delinquent statement for the full payment amount. I telephoned SLS and inquired what happened. I was informed somebody moved the {$1300.00} to my balance and so the representative was moving it back to apply toward my XX/XX/XXXX payment. Two days later I telephoned to see if the transfer was successful and was told the {$1300.00} had disappeared. I have gone to their " executive dept '' several times and all I get was " oh there was an error ''. Recently I received a letter from SLS stating they sent the {$1300.00} back to XXXX. XXXX says they never received it. I have been past due for over one year and XX/XX/XXXX I received 4 notices of intent to foreclose. A SLS representative told me not to worry about it but there has been no notice received that SLS is not proceeding with foreclosure. I spent over one year trying to get a straight answer out of SLS about the {$1300.00} and still they have not verified they returned the money to XXXX. XXXX says they would mail me a check if they had received funds from SLS. XXXX wants a check number to track the payment on their end. Further, the {$1300.00} to the penny is showing on my XX/XX/XXXX XXXX statement as unapplied funds. So this whole " error '' thing just does n't make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 or other personal consumer reports

I am writing to file a formal follow up complaint regarding the presence of fraudulent items on my credit report. Despite my previous attempts to rectify this issue, these items remain unresolved and continue to adversely affect my credit score and financial well-being. I have identified several fraudulent items on my credit report and have made 49 attempts to have these items removed. Despite providing all necessary documentation and evidence of fraud, the credit reporting agency and the involved creditors have failed to take appropriate action. Each attempt has been met with assurances of resolution, yet the fraudulent items persist. The presence of these fraudulent items has significantly damaged my credit score, resulting in denied credit applications, higher interest rates, and considerable stress and frustration. Kindly help me remove the following items immediately : 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 XXXXXX/XX/year>.