23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Before I get into this issue, I noticed previously the amount in my accounts didn't add up, the dates & how funds we I didn't make that day would disappear from my account. On XX/XX/year> I Purchased XXXX tickets amounting to {$430.00} USD. The money was in fact taken out of my account on XX/XX/XXXX, before I purchased the tickets, I looked at my account amount & after I purchased the tickets, I checked again for how much I had left. On XX/XX/year> after going to XXXX XXXX & the store for the morning ( XXXX purchases ) I go into the XXXX app to order some food but after I do that I have to unlock my card, I go into my XXXX account & see that I have less that {$700.00} usd in my account. I had over {$1100.00} after I made my XXXX purchases for that day the XXXX, In the XXXX app it said I had XXXX transactions for the day which I did not make for those days besides my stated XXXX purchases. I see that on XX/XX/year>, I was again charged for XXXX tickets & other items I did not make that day. XXXX has taken money off of my card 2 times for the XXXX tickets. I called XXXX directly & they have confirmed via phone that on XX/XX/XXXX my tickets were purchased & a confirmation email for those tickets were sent to my email. XXXX also stated they will send another confirmation via email with XXXX hours of that purchase. Regarding Sofi The dates I make my purchases continually do not match up with the dates I made certain purchases. They in this instance has taken money out of my account twice for these XXXX tickets On XX/XX/year> & XX/XX/year> weather they pending transaction the money HAS BEEN taken off my account. With all that being said my account has had money taken off of it twice for XXXX purchases I made, The dates certain purchases are made are wrong and do not reflect the correct dates, In transaction history the checking amount suggests they are actively taking money out of my account without my knowledge for example on XX/XX/year> in my transaction history on the SoFi app I had {$1600.00} after a XXXX XXXX purchase. I then Put {$700.00} usd into my savings account, leftover in my checking account I had {$900.00} - {$19.00} = {$880.00}. On XX/XX/XXXX remember I said I only made XXXX purchases before I noticed money gone from my account, not account for the purchase I actually made that day I have a charge from XXXX for the XXXX time {$350.00} for the plane tickets & {$78.00} for my seat tickets for that trip, a XXXX money transfer to XXXX for {$62.00}, XXXXXXXX XXXX  for {$58.00}. I DID NOT MAKE THESE PURCHASES the day of XX/XX/year> but in the SoFI history it has it as that.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XX/XX/scrub>XX/XX/2023 2023
Product: Debt collection

They have been harassing us for a month. They only let it ring 2 times then hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XXXX of XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Product: Debt collection

This company has left voicemails on my employer and friends and family giving my information away
Product: Credit card

in accordance with 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

This is a complaint on how Homepoint Financial refuses to correct a report to the credit agency, which has dropped my score XXXX points. 

In XXXX I made my regular mortgage payment - {$1400.00} + {$100.00} extra to be applied to principal. 
When I wrote out the check- I wrote the numeric portion correctly, {$1500.00}, but the cursive part I wrote as XXXX XXXX XXXX XXXX and XXXX/XXXX. I was heading out of state the next day for an extended trip and it was just an honest mistake. I even wrote the correct amount of {$1500.00} in the tear off statement sheet I mail with the check. 

Since, as I mentioned above, I have been away from home since mid XXXX, I had not received mail and did not know that I had made this mistake. I called Homepoint to get the correct mailing address so that I could mail my XXXX mortgage payment. This is the first I heard that I was past due. Apparently, Homepoint uses the cursive portion vs the actual numeric number. When I heard this, I immediately had them deduct the " shortage '' from my account. 

I never received any notice from them on this. They said they sent a letter, but as I mentioned above, I have not been home since XXXX. I did not receive any emails, or phone calls from them. 

That's when I found out my credit score dropped so much. I have asked them repeatedly to re-report to credit agencies as this was a simple and honest mistake, not in any way for me not to pay the correct amount. Every representative I speak to says they understand and they can see that there was no intent to short the amount, but their hands are tied. I get absolutely no where with them at all. And when they say they are investigating and even say to me that there are too many calls with me to listen to all of them. This is so important to me and they don't call me back with resolutions, I give them a week to do, and then after that, I call back and go through it again. 

And this is only one issue I have with them. I also have an escrow issue that they had wrong information ( by {$3000.00} over charge ) that they see is wrong, but has taken them months to correct and is still not. It's like there is one person working here and no one has any authority to do what is right.
Product: Credit reporting

Experian is reporting a negative payment history in XXXX XXXX for a XXXX account that was settled in XXXX XXXX ; although the balance is correctly being reporting as XXXX and the payment status for the account is correctly reporting as " Settled, '' the erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX and XXXX legally accepted the settlement as payment in full, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account ; XXXX and XXXX are correctly reporting an " OK '' payment status for this same time period. Because XXXX and XXXX are reporting this correctly, I have to assume that the erroneous reporting is the fault of Experian and not XXXX.
Product: Mortgage

InXX/XX/XXXX, I had a 1st and 2nd mortgage on my home with XXXX, which both were later transferred to XXXX XXXX XXXX ( XXXX ). Subsequently, I defaulted on both loans. In XX/XX/XXXX, XXXX modified my first and forgave about 50 % of the principal. However, the 2nd was transferred to Real Time Resolutions ( RTR ). 

I never made a single payment to RTR and the second mortgage eventually fell off my credit report after about 7 years. The initial amount that I defaulted on was {$56000.00}. 

Recently, I tried to refinance my home and I came to find out that there was still an outstanding lien on my property for the 2nd mortgage. RTR was contacted and they claimed the pay-off amount was over {$83000.00}.

The statute for RTR to foreclose on my home has already passed and basically they are holding my property hostage. I also believe they are trying to collect on a debt that should have been settled initially by XXXX, since XXXX modified the first mortgage. 

I tried contacting RTR to reach a settlement, but they do not respond to my emails.
Product: Credit reporting or other personal consumer reports

Recently, I reached out to this company to provide proof of validity of this debt. Due to my employer, I can not have debt on credit report. I was notified from my employer that this company put a collection on my account. In order to keep my job, I paid the debt. However, prior to this collection being put on my report I NEVER received anything. I should have received something certified mail stating this would be placed on my report. 

I was unaware of this debt. I didn't have the opportunity to dispute this information, if in fact you gave me proper notification then please send me the certified receipt with my signature. 

Account beginning in : XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

This letter serves as a FINAL NOTICE regarding the collection account reported by XXXX XXXX XXXX. I have repeatedly disputed this account as inaccurate and unverifiable under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), yet you continue to report it.
Product: Mortgage

Your Loan Number : XXXX, XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from Just Mortgage on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XX/XX/XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and XXXX XXXX XXXX as the Owner of the Loan Estate of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Your Loan Number : XXXX
Product: Vehicle loan or lease

When the COVID-19 Pandemic began, Credit Acceptance Corp notified me that all payments would be deferred until the pandemic ceased. During this period of 8 months, Credit Acceptance notified me that i could pay what I could afford and that it would go towards my principle. At the time I was a full-time driver for XXXX with a direct contact to my mother who was fighting XXXX XXXX at the time. Due to her underlying condition, I was forced to stop driving for the company. At the end of the 8 month period, Credit Acceptance Corp contacted me via text /email and notified me that I had to contact them immediately. When I spoke to them they notified me that I now had nearly {$4000.00} due in auto loan payments and late fees. They went against on what they ensured, which is that all payments were going to be deferred. They forced me to pay the balance due and since i was unable to pay it in one month they began placing late fees onto my balance. They also reported to the credit bureaus that I was 90 days or more late on my loan. And each month after they were reporting 90, then 120, then 150 ... and so on all because I didn't pay what was accruing over the 8 months in one months time. They have been reporting late payments every month up until this day and I was never able to get caught back up. My credit report currently shows over 30 late payment remarks from them which deeply affects my payment history which is a significant portion of my score. Also, with late payments came late fees with Credit Acceptance Corp that pushed me {$10.00} more a month in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Transworld Systems Inc. 
and XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my XXXX score by 44 points in XXXX with no extraordinary activity on my account. It was lowered an additional 112 point today based on on a disputed collection. The phone numbers provided by Experian are a series of tele prompts and then disconnect you. There is no way to talk to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first complaint that I ever sent, but I can't express my fillings about how Credit Bureaus neglected my rights as a consumer and violated the law. I have sent to Credit Bureau agency disputing letter regarding accounts on my report that MUST BE REMOVED. 
My first letter was mailed on XX/XX/2022 and every other 35 days, All my mail was sent with certified receipts and return card. So I keep my records. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, - I'm providing these accounts number as they appeared on my credit report. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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 trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports.

For your convenience am including with this complaint : copy of my driver license, copy of my SSN card, copy of proof of address, FTC report, I have also submitted FRAUD Report.
Product: Debt collection

I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.
Product: Credit card

Experian has errors on my credit report. 

I have requested several times a full credit report and nothing but the run around. 

Personal info wrong, address wrong, phone number wrong balances wrong and various other info incorrect. 

XXXX 's balance wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with CFPB in regard to XXXX negatively reporting on my Experian credit report. Experian blocked me from filing a complaint on this account with reporting # XXXX. This account was previously disputed and updated reflecting paid as agreed on account # XXXX. This information is reporting negatively since XX/XX/XXXX which was the last update on this account. This is a old account opened since XX/XX/XXXX and still impacting my credit score 90 day to 120 day past due. This account need to be deleted.
Product: Debt collection

I never used this account. It wasnt started by me. It was on my account but never knew how it got on
Product: Credit card

This is a new complaint with new not the same complaint twice There are some fraudulent charges on the account that the bank is aware of. Some of the excuses that they gave me the last time the reason they dont think theyre fraudulent they said that I paid my bill because theres an annual fee on the card, so of course the annual fee belongs to me. I dont understand how that would make you think that the fraudulent charges weren't fraudulent. I knew I owed money on the card paying your fee but the {$10000.00} in other charges have nothing to do with me. You said that I called from my phone over XXXX times you said well I have the phone bill that shows all the calls that I made or received from this phone that proves that I did not call you like you said I did. I know you're keeping your investigation method secret so be it whatever if you don't wan na tell me how you came up to this conclusion then don't tell me, but you can't just make it up and with all due respect some of the stuff you're saying it's just flat out lies may not have my phone bill. You can see that I did not call you over and over again, I don't know what you're talking about and paying part of my bill. How does that lead you to the conclusion that the transactions belong to me?
Product: Debt collection

I'VE CONTACTED ALL 3 BUREAUS AND XXXX XXXX XXXX AND ENHANCED RECOVERY/XXXX TO VERIFY THIS DEBT ATTACHED TO MY CREDIT REPORTS AN NO SIGNATURE NOR CONTRACT WAS PROVIDED TO ME. THESE 2 DEBTS HAVE BEEN REMOVED SEVERAL TIMES FROM MY REPORTS ONLY TO BE PLACED BACK ON MY REPORTS WITHOUT NOTIFYING ME.
Product: Debt collection

RE : PROGRESSIVE MANAGEMENT S XXXX I am writing to formally dispute the debt listed on my credit report associated with account number [ ] PROGRESSIVE MANAGEMENT S XXXX. I believe this information is inaccurate and request that it be removed from my credit report immediately. 
Reason for Dispute : Collection sold private medical identifying info violating my privacy Please provide verification of this debt, including the original creditor 's name, the date of the last payment, and the total amount owed, as required by the Fair Debt Collection Practices Act. 
I am requesting that you investigate this matter thoroughly and remove this account from my credit report if you can not provide accurate and verifiable documentation supporting the debt. 
Please send me written confirmation of your findings within 30 days of receiving this letter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU,  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt.

2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU.

3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify!

4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ).

5. I am submitting my telephone log with dates and times of the calls.