23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from this number XXXX. The person on the voice-mail message stated that she was calling from an Attorney 's office XXXX XXXX XXXX and that it is in reference to a debt that they plan to garnish my wages for the debt. I returned the call and XXXX XXXX answered the call verifying the last four of my social, DOB and name. She stated I incurred a debt from Bank of Nevada HSBC Bank in the amount of XXXX, in XXXX. I stated that this was impossible that I never had a credit card with any balance over XXXX. She could not verify the address of the company, her company or the details of the account, is the account number discharge date or even why this debt hadn't been reported to the credit bureau. Once I address this and asked that she send me the details about this debt to my po box she hung up the phone. Immediately after I called back the number and was sent directly to the voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has acknowledged the balance on an account I formerly had with them was the result of Identity Theft. They are reporting the account to ChexSystems. After investigating they decided to consider the debt paid since it was not a result of any authorized activity. Although XXXX has acknowledged the debt is a result of fraudulent activity, they have wrongfully decided to continue reporting the account with the exception of changing the status to paid. This action could lead lenders to believe the balance was accurate at some point, which is false.
Product: Student loan

Applied for consolidation of student loans to work toward XXXX. Loan was paid in full through consolidation on XX/XX/XXXX. I verified my loan details and account through Mohela which supported a XXXX balance. I received notice that my loans would be going into repayment in XX/XX/XXXX but my account balance is still XXXX. I received a bill in the mail today, XX/XX/XXXX, stating a payment of {$460.00} was due on XX/XX/XXXX. This was a first notice. The letter was dated XX/XX/XXXX but not delivered until today. Even considering the XX/XX/XXXX date it is not a 21 day notice. My online account still shows an XXXX balance as of XX/XX/XXXX. Additionally the account number on the letter is not associated with my established Mohela account or my XXXX when trying to navigate their call center. I tried calling the customer service number within stated business hours and have been unable to connect with a representative. The current wait times are not compatible with daily life requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.
Product: Vehicle loan or lease

****Creditor states I made a payment on this loan on XX/XX/2021. This is false, inaccurate, and fraudulent. I am not responsible for this debt****** My next step is legal action if these fraudulent accounts are not removed from my credit profile within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, XXXX and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.
Product: Debt collection

On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXXXXXX XXXX  at the XXXX FL they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Mortgage

I have rental property which was late on payments as tenants had not paid rent for seberal months. I did make the Payment after the monthly statement had been generated and was sent to me. The company sent someone to the property, which I understand is normal. But the investigator began talking to a neighbor leaving the impression that the house was being foreclosed upon.The company has my phone number and my home address for contact information and knew how to reach me, yet they did n't. There was no need for them to collect any information from the neighbor or tell them who they were or why they were there. Also any information shared was incorrect. Is n't that illegal?
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX  XXXX Balanced : {$0.00} XXXX  XXXX XXXX Balanced : {$830.00} XXXX XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 invalid accounts from XXXX XXXX XXXX on my XXXX credit report. One is for {$200.00} and one is for {$50.00}. I have done proper disputes on these accounts with XXXX beginning XX/XX/2018. I also filed a request for debt validation from XXXX XXXX XXXX on XX/XX/2018. XXXX has not verified these accounts or identified the original healthcare provider, and continue to verify these false unknown medical accounts to XXXX, the only credit reporting agency reporting this information. 
Verifying information to credit reporting agencies without proper validation is a violation of consumer laws.
Product: Credit reporting or other personal consumer reports

Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and Transunion said they have not received any letter. XXXX said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on 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 follow up on the ongoing issue regarding the late opening of accounts. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. The continued delay in opening accounts not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that accounts are opened in a timely manner moving forward. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX. XXXX XXXX XXXX : {$1100.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. XXXX. XXXX XXXX XXXX : {$2200.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. XXXX. XXXX XXXX XXXX : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX. XXXX XXXX XXXX : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX. XXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. XXXX. XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I see that the accounts have a collection charge off status and yet there is a past due balance on this report, do you know that this is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I dont believe the status of these accounts are accurate either. Delete this due to multiple violations. 

I demand that the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hackers hacked my chime account on XXXX the of XXXX I disputed the claims with chime they denied them two unauthorized purchases was made with no id number tracking number or confirmation number they hacked my accounts by sending code to my phone while I was asleep then proceeded to change it to there XXXX number they entered my account moved money from checking to credit builder then back to checking where they used an online card number to make unauthorized purchase the purchase are not in my name nor sent near a state that I live in I reopened the dispute and I'm having a hard time getting any answers and I'm still in the negative with the money stolen
Product: Debt collection

Before I file a lawsuit against Midland my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. Midland Credit Management Inc. has been harassing me since late last year on my credit reports XXXX. ( XXXX United States XXXX section XXXX ( XXXX ) ). I have been in contact with them multiple times sent certified letters to them as well XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference MCM account from your credit file. '' But no action was taken my credit report XXXX currently still shows MIDLAND FUNDINGAccount NumberXXXXAccount Type & gt ; Installment & gt ; Terms & gt ; 1 Month & gt ; Date OpenedXX/XX/XXXXAccount Status & gt ; Closed & gt ; Payment Status & gt ; Paid & gt ; Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. Midland violated XXXX XXXX XXXX ( XXXX ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit XXXX XXXX XXXX and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporter Act XXXX " Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  and Account XXXX XXXX XXXX XXXXXXXX '' 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. i also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Product: Debt collection

I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XX/XX/XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my military pay ( LES ). I have the LES that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my LES XX/XX/XXXX it shows the balance owed to the XXXX XXXX at XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter saying that I had a balance of XXXX. owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( LES ) to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XX/XX/XXXX to XX/XX/XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XX/XX/XXXX XXXX XXXX took my wife 's and my XX/XX/XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my military pay statement deductions. If it turns out after making the comparison between my LES 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company Transworld Systems. Can you please help me?
Product: Mortgage

I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,
Product: Credit card

I have a XXXX  credit card through Old National Bank ( formely FIrst midwest bank ) Late last year they switched credit cards from XXXX to XXXX XXXX. All was fine in XXXX. Last month I got three credit card statements for the two different cards. When I called to make a payment they said I didn't owe anything but I do. I have carried and paid on the XXXX balance for months. After hours on the phone with credit card company I went to my bank and they said they couldn't help me because they are not the issuing bank. They tried to rectify the problem with the issuing bank and couldn't. Finally found a way to make the payment and did so. 

This month I am thinking all is okay had the the account set up on XXXX XXXX XXXX XXXX. Try to pay the account and I keep getting the message that I don't owe anything and I know I do because I was paying minimum plus. After 3 days of trying to make this happen I go to the bank today till well after closing and they can get any information on this account. In fact the bank that issued it can't even find it. They wouldn't even tell me who the issuing bank is. 

I don't know what to do. It won't take my payment yet I have a bill in front of me that says how much I owe. And can't send a payment and it is do today XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown collection on my credit report which is not mine
Product: Money transfer, virtual currency, or money service

The way the customer service team is for cash app isnt helping me Id rather be directed to a live chat or to talk with a customer service representative ( block , inc ) doesnt provide that
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO XXXX, TRANSUNION, AND XXXX. I EVEN CALLED XXXX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. 

XXXX EMPLOYEE : XXXX EMPLOYEE # : XXXX
Product: Mortgage

My mortgage payment for XX/XX/2020 and XX/XX/2020 went to XXXX XXXX  rather than the intended Mortgage holder which XXXX/PHH. I have contacted and provided proof of payment but they don't offer a solution. They refuse to help becuase I dont have an account with them, but they have my money. My mortgage is XXXX each month. I have borrow money for the missing payment to make a second payment for XXXX. It appears I will not be able to make a second payment to cover the second payment lost for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and was shocked at why unauthorized inquiries are appearing there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX