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

Dear reader I have never missed A payment and I care about my credit very much as I am in the process of trying to get a new mortgage this was in XX/XX/2018 and I didnt have the online payment set up so I made a call to the Discover customer service representative to make the payment info and the customer customer service representative him put my information on my card incorrectly which then caused my payment not to go through when you told me that it didnt go through and I didnt get notified until two months later when I already had a credit mark on my history I dont think its fair that I am paying that I am getting a mark on my history because I made my payment as you can see I even went ahead and paid them off in full with no interest APR and I have paid off all of my dad has a good person would theres no reason for me to be able to go suffer. When I spoke to Discover regarding this dispute I spoke to a couple customer representative supervisor was very unhelpful he then told me that he would try to go ahead and pull the car and went when they when he went to go pull the car in a couple days later he told me that he can not find the car but I know for a fact that I gave him my XXXX  card to go ahead and pay that balance which Ive always paid on time.I sincerely think that it would be great to have that removed as you can see my credit history and you could see my intentions as the only reason why that wasnt paid was because I got notified two months later that the card number that he took through didnt go through and I have no way of knowing that cause the point I thought I had paid it so this would be on the fall on the negligence on the behalf of Discover as well as a supervisor for not being able to go ahead and pull the car listen to the call accurately if they did they would see that Ive ever intentional of paying it. Please help me remove this error. This is discovers fault. Look at my credit history. Flawless, but that error on their part
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, nor benefit from, or authorize any of the following inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX XXXX ACCT : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Carmax Auto Finance did not send a 1099c which is required according to the IRS when a line of credit greater than {$600.00} is charged off as bad debt- in this case it was {$3800.00}. The account is still negatively reporting on my credit report despite the company selling the debt to a debt collection agency without my knowledge, consent, or signature to do so.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with XXXX  as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. XXXX  account # XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX I have been a victim of identity theft I finally caught some very scared important information and I fear my life this person has gone acres of third partie connection with company involved GoogleXXXXXXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, I have the vin numbers, my unemployment, credit cards, XXXX XXXX, XXXX, XXXX XXXX devices, XXXX XXXX, XXXX as well, and other websites shared with other people this has tore my family apart financially and emotionally XXXX  already struggling to make ends meet and to come to find out I had a scam watching me and my account social ect, this whole time I have made a police report and I have screen shot from and XXXX and other information that my help this person has been using every single number I have owned my current number is XXXX and thanks to this XXXX  XXXX number I just got with this new low income company I was connected to information that was given to me thank you please contact me for information are email me at XXXX XXXX
Product: Mortgage

I have a VA home loan. The originating XXXX, XXXX XXXX XXXX put the paper out onto the market where it was assumed by PennyMac Financial, XXXX XXXX, CA. As a XXXX Veteran, my home State of Wisconsin allows me full credit for my property taxes if they are paid, in full, by the close of the calendar year. PennyMac has billed me and held the tax amount in an escrow account. 
Well in advance of the tax due date, I phoned and e-mailed PennyMac offering specific information to ensure my property tax bill would be paid from the escrow account. I received a reverse thrill on XX/XX/2017, when the Township Treasurer informed me that payment for the taxes were not received. I paid the amount due out of my own pocket. What occurred from that point was a litany of fables and no release of the funds from my escrow account. 
The number of roadblocks and disingenuous statements I received proved to me that PennyMac has a policy to delay payment of escrow amounts to enrich themselves. I understand " working the float '' and their collective errors could not be happenstance. Only after pressure was applied to PennyMac by XXXX, did I receive some degree of solution to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

T o Chexsystem My report is  showing inaccuracies. Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    ( Thes e are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED.
Product: Credit card or prepaid card

Care credit/synBank Account XXXX XX/XX/2022 INTEREST CHARGE ON PURCHASES {$110.00} XX/XX/2022 PAYMENT - THANK YOU - {$510.00} XX/XX/2022 INTEREST CHARGE ON PURCHASES XXXX XXXX XX/XX/2022 PAYMENT - THANK YOU - {$410.00} XX/XX/2022 INTEREST CHARGE ON PURCHASES {$35.00} Per the FCRA, I was not advised to call the company and inform them as to where I would like the funds to go! Which in turn, caused a high interest and a serious decline of my credit score!

According XXXX XXXX XXXX, this is a form of aggravated finance identity theft.
Product: Debt collection

HAVE WRITTEN THEM SEVERAL TIMES AND THE ACCOUNT WAS DELETED FROM MY CREDIT REPORT AND THEY READDED THE ACCOUNT BACK TO MY CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR OVER 7 MONTHS AND THE ACCOUNT WAS NOT PROPERLY VERIFIED AND WAS OVER THE STATUE OF LIMITATIONS. THEY ARE ATEMPING TO COLLECT ON A DEBT THAT WAS DLETED AND I DID NOT GET A FIVE DAY NOTICE FOR THEM ADDING IT BACK TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Services XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.
Product: Credit reporting, credit repair services, or other personal consumer reports

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX Account number : XXXX These companies have violated my rights listed above.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified by XXXX that Wells Fargo closed my XXXX XXXX store card # XXXX that had an out standing balance of {$1700.00}. I opened the account XX/XX/XXXX and in the XXXX  months the account was open I had never missed a payment and always paid more than the minimum amount due, I have no negative marks in the last XXXX  years on my credit report and consider myself very credit responsible. So this so a complete shock to me since I was given no advance warning from Wells Fargo that this account was going to be closed. I called the company and was told that that they are no longer going to be servicing any accounts associated with XXXX XXXX and they closed all XXXX XXXX accounts. 
It is the companies right not to finance XXXX customers however not to give the customers any advance warning is very troubling. If had at least 30 days notice I could have time to pay the balance off and so it would not impacted my credit score.

When I called Wells Fargo they stated in the terms and conditions of the account it states they have the right to close any account at any time for any reason, which is fine. but any reasonable person with a good credit score with an account in good standing, who pays more than the minimum amount due always on time would not expect their account to be closed with out notice. Not even pop up on the online bill paying portal, or one line blurb one statement. This is irresponsible and was done deliberate done to hurt the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX. 
As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Mortgage

I was approved for a CARES Act COVID forbearance for XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I asked for an extension of this forbearance, which was approved. 
Later DMI recanted the forbearance extension ( XXXX  XXXX  ). At this time I was required to pay the payments paused during forbearance IN FULL. This violates the CARES Act. 

Im response to my previous complaint they specifically avoid addressing this major complaint as it violates the law.
Product: Credit reporting or other personal consumer reports

I have mailed letters to The Department Of Education Default Resolutions Center as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX XXXX XXXX in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Product: Debt collection

I have a falsely reported derogatory creditor on my credit report. 

I had an account with XXXX XXXX XXXX with a credit limit of {$400.00}, in which the last payment on the account was XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. It appears XXXX XXXX purchased this debt in XX/XX/XXXX, and is requesting an amount of {$1100.00} to clear the debt. 

I have attempted to file disputes regarding this debt, with no resolution. 

XXXX XXXX last reported to XXXX and XXXX on XX/XX/XXXX.
Product: Checking or savings account

Bank of America representative reassured me that my checking account would be closed and they will mail me a paper check instead they put it in the checking account keeping it open so they can charge maintenance fees in which I had to dispute and others making unauthorized use of this checking account causing a negative balance. XXXX XXXX and very exhausted with this matter, please help.
Product: Prepaid card

I contacted the company because my daughter received a XXXX XXXXXXXX card as a birthday gift about a year ago, but lost it. Once we found it I called to get the card reinstated, However, when I called the customer service number I was told we would have to apply to get this card reissued with our social security number. Under no circumstances was I giving my SS # to some random person with a foreign accent. I asked to speak to a manager and was put on hold for over an hour. I never did reach anyone. So I sent an email to the company president and their law enforcement division. This is the error message and the number I received when I tried to get this done online. 

Something went wrong In order to complete your account activation, we need a few additional details. Please call customer service and we will help you complete the process. 
XXXX https : //www.netspend.com/account/activate
Product: Money transfer, virtual currency, or money service

I have received letters in the mail from Check Smart, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX say they work with Check Smart and all three companies are calling about a debt i supposedly owe them. They have called my cell phone and my place of employment multiple times. I have spoke to multiple employees at Check Smart, specifically XXXX and XXXX ( XXXX ext XXXX ) from their corporate office, and have spoke to XXXX about what the debt is and how to resolve the issue. I have them asked both of them not to contact me at my place of employment and to not call my work number at anytime on any day. I explained to them when I am available and when I can be reach and how to reach me. They have disregard my wishes and continue to call my place of employment and harass and threaten me. 

They have left a message at my work on XX/XX/XXXX @ XXXX, I called back at XXXX and told them not to call my work and only to call my cell and to please send me a debt validation letter, in which i still have never received. The gentlemen on the other line got upset and start telling me to get my XXXX  together and be responsible and pay the debt otherwise he will have the police involved. 

On XX/XX/XXXX at XXXX XXXX from Check Smart Corporate called my work again and specifically asked to speak with my boss and my associate said I was available to speak to her and not my boss and she refused to speak with me and wanted to only talk to my employer. I have missed calls from them also on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. I have called them back on multiple occasions and have spoke to both XXXX and XXXX and asked them to please immediately remove my work number from their system and to no longer call my work because my employer prohibits me from receiving communications like this at work. 

XXXX said she removed my work number from the system so I would no longer get calls at work. And then today XX/XX/XXXX at XXXX XXXX called my work again, I told her to stop calling and she said she would continue to call me at work until I pay off the debt in full. I have in the mean time sent them two letters, on XX/XX/XXXX about # 1 on how and when to contact me, and # 2 to send me a debt validation letter so I can more clearly understand the situation that is going and I can make a more informed decision on how to move forward. I have tried to calmly resolve the issue with them and they continue to still disregard my wishes not to call my place of employment and continue to harass and threaten me. XXXX went on to say she calls my cell phone from the number that she calls my work from and I have no missed calls from that number ever. I had told her not to call my work number to remove it and gave her my cell phone number again and told her she is to only contact me on that number.
Product: Prepaid card

I was provided a settlment from a class action suit. I was given {$35.00} and a link was sent to me to retreive my settlement. The settlement money was sent to XXXX XXXX XXXX and a virtual XXXX was provided to me which I downloaded on my phone " XXXX XXXX ''. However, the first 12 numbers of the XXXX  were blocked out and only the last 4 digits were visible. I tried to use the money on the 'virtual " card at different stores and I was unable, because I did not have the full card number or the security code required to make purchases. On countless occasions, I tried calling XXXX XXXX XXXXr 's XXXX number to retrieve the information so that I may use the money, to no avail, as a customer gets lost in the virtual maze of their automated services. I also tried to write their cutsomer service at the address provided, however, no one gets back you. This is the address provided on their site. CARDHOLDER SERVICES MAILING ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX This is a money stealing scam, as this company makes it extremely difficult, if not impossible for the cardholder to access their funds. Then seizes the funds, leaving the customer with no recourse.