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

I was a previous customer of XXXX XXXX ( XXXX ), an electric utility company that provides reporting to the credit bureaus, when I lived in XXXX ( XX/XX/XXXX-XX/XX/XXXX). In early XX/XX/XXXX, I was reassigned for work to XXXX XXXX. Upon moving from XXXX, I requested that XXXX disconnect my service. XXXX terminated my service as requested ; however, I did not receive the final bill from XXXX. I was only notified of an outstanding balance on my XXXX account in XX/XX/XXXX when I was called by a collection company. I suspected the collection call was a scam so I hung up and immediately called XXXX. I was advised by the XXXX representative that I did in fact have an outstanding balance, but that I would be all set if I resolved the matter with immediate payment to XXXX. In light of the XXXX representatives assurances, I paid the outstanding balance at that time and settled my closed account with XXXX. Despite the XXXX reps assurance, I recently discovered that XXXX  reported to TransUnion and XXXX that I was delinquent and referred for collection in XX/XX/XXXX( however, I paid and closed the account in XX/XX/XXXX)! On XX/XX/XXXX, I attempted to dispute the inaccurate reporting through TransUnion ( and separately through XXXX ), but after investigating TransUnion informed me on XX/XX/XXXX that the reporting was verified by XXXX as accurate and updated. Nevertheless, my TransUnion Credit report still reflects collection in XX/XX/XXXXmore than three years after it went to collection and was paid in full ( and despite the fact that the XXXX representative indicated there would be no collection issue ). I immediately called TransUnion to follow up and they told me that I would have to submit a dispute ( again ) to get the date corrected, even though I had just attempted to dispute it! I also notified a XXXX representative of the incorrect reporting via the Better Business Bureau ; however, XXXX has not notified me of any intent to take corrective action. The XXXX reporting to TransUnion therefore remains inaccurate. The collection ( which never should have been reported for collection in the first place ) occurred in XX/XX/XXXXand despite my best efforts to dispute it, is still reflected in the TransUnion report as occurring in XX/XX/XXXX. Please help me get this removed from my account. A screenshot from my TransUnion Credit Report is attached as evidence that XXXX continues to incorrectly report to TransUnion that my account was referred for collection in XX/XX/XXXX.
Product: Credit reporting

An address was updated that is not mine. It is from a scam loan servicing company that I am trying to stop payment for. They promised to give me student Loan relief but I received a letter from federal loan servicing and they have not recieved any payment from them or me. I have stopped these payments through my bank account. And I am in process of trying to get ahold of them to try and get my money back. I have no further dealings with them as I am now paying off my student loan directly through the government website. I would like this information taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Equifax.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report
Product: Debt collection

On XX/XX/2021 this company XXXX XXXX contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against me.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello 53 bank, I tried to contact with claims department several times trough the phone, but after long wait nobody answered. 
So Im writting this claim to open a merchant dispute for 4 transactions made with my debit card ending in XXXX. 
XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX the expected delivery date was on XX/XX/XXXX, but the seller never provided a tracking number. I tried to contact them many times but nobody answered, starting XXXX XX/XX/XXXX by email and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX- $ XXXX closed andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX XXXX accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX XXXX XXXX XXXX  accounts that are affecting my credit negatively after being paid in full. 
XXXX XXXX- $ XXXXCollection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and natural person never gave consent to XXXX, TransUnion, and XXXX to sell my information to collectors and debtors! I, the consumer and natural person never submitted a document stating what I want to be reported on my credit report! These Credit Bureaus have been selling my information for years without my consent, Ive sent multiple letters in demanding them to remove inaccurate information from my report, inaccurate addresses, and also other people addresses are reporting on my file! I have many inquiries on my report but I havent not received any products or services, since my social security number was used ( credit card ) this is really damaging my ability to get a home as Im being discriminated against for not having a certain number, I cant get an vehicle for my own personal use! This has caused so much DAMAGE as I was unaware that my information is being sold without my consent! Its all fraudulent! I will like to be compensated a clear consumer report and also to be compensated {$250000.00} for damaging of my property and using my signature without my consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone received a charge card using my name and information with SYNCB/PPC ( Synchrony Bank/Paypal Credit ) XX/XX/XXXX . The account was not used for XXXX months. Then whoever began making small purchases and paying them off for an XXXX  month period. Then whoever charged {$3700.00} and did not not pay it. The credit bureaus in XXXX notified me that I was past due on an account. I notified SYNCB/PPC in writing that this was a fraudulent account set up by someone else using my personal information. SYNCB/PPC notified me that they accept that the application for the charge card was a fraud and I was no longer responsible for paying the outstanding balance of {$3700.00}. 
XXXX, XXXX, a credit bureau notified me that my credit report had been updated with a new address ( I had not moved ). SYNCB/PPC had submitted the new address. During the process in getting the address removed from credit report, I noticed that SYNCB/PPC still had in my credit report the outstanding balance owed of {$3700.00} written off " charge off. '' Since the account was fraudulent opened and I had nothing to do with the charges I'm requesting the SYNCB/PPC charge and all related info be removed from credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, JPMCB CARD, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, JPMCB CARD, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called an company called XXXX for business credit reporting. XXXX have went over everything that is wrong with my report they said that EQUIFAX BUSINESS is reporting everything wrong even XXXX/ XXXX CODES of a different business which is a HUGE VIOLATION AND ALSO THEIR REPORTING WRONG ADDRESSES.. I contacted Equifax business and spoken to several people because they keep saying they will send me a business credit report and they haven't its been a long time now over 2 months ... i called so many time to request it and they keep giving me the run around ... I kept telling them that their reporting someone elses information thats not mine ... The Codes are wrong far as XXXX CODES, ADDRESSES ARE WRONG THE TRADELINES ARE SCATTERED WITH DIFFERENT ADDRESS ... ITS REALLY STRESSING ME AND HOLDING ME BACK ... THIS IS A SERIOUS VIOLATION ...
Product: Debt collection

MCM has called me from multiple numbers more then 7 times within 7 days. 

XX/XX/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 XXXX XXXX
Product: Mortgage

I applied for a VA loan during the week of XXXX 2019 for a refinance with pentagon federal credit union. I submitted every document they asked for that I could send them. It took them three months to tell me they could not give me a va loan. Is there due process or time line they should meet? I can not shop around for another loan and not hit my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX- I find this interesting as I called each of the XXXX credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXX XXXXXXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade , Inc . 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Attention : XXXX XXXX Department Dear Sir or Madam, RE : Investigation into Fraudulent Accounts I am writing to bring your attention to a matter of both serious concern and urgency. It has recently come to my notice that two accounts have been fraudulently opened with Upgrade , Inc., using my personal information without my knowledge or consent. This outrageous act of identity theft is not only a violation of my rights, but it also tarnishes my excellent credit history. 

Under accounts, which I neither authorized nor recognize, transactions have been taking place that are negatively impacting my credit scores with the major credit bureaus. I categorically deny owning these accounts and emphatically state that they are the nefarious work of an identity thief. 

Pursuant to 605B of the Fair Credit Reporting Act ( FCRA ), I demand that you immediately block these fraudulent accounts from my credit file. I am appending a copy of a police report that substantiates my claim of identity theft, furnishing the legal requirement per the FCRA.

Further, I request an expedited investigation into this matter and expect prompt deletion of these fraudulent accounts on your part. The unauthorized accounts should be removed from all credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Failure to act promptly and dutifully to this request will leave me no choice but to take the necessary legal action to protect my rights. I am ready and willing to cooperate and provide any additional information you may need during your investigation.

I anticipate a swift resolution to this situation, reinstatement of the truth, and restoration of my credit standing. 

Thank you for your immediate attention to this matter. 

Yours Sincerely, XXXX XXXX Attachments : Copy of Police Report
Product: Debt collection

XXXX XXXX had a judgment entered against her on XX/XX/XXXX for {$1900.00} in favor of MRC Receivables Corp. We have been trying for weeks to get a hold of someone at this company to secure a pay off letter to pay off this judgment so she can sell her property located in XXXX XXXX Virginia XXXX 
I am XXXX XXXX XXXXXXXX handling the sale of her property. 
There does not seem to be any contact information for MRC Receivables Corp on line. I believe they are a XXXX  corporation. I also think their parent company is Encore Capital Group. I can not get a hold of anyone there and other subsidiaries of that entity have no record of this debt. We need a pay off letter, good thru XX/XX/XXXX so she can sell her house on XX/XX/XXXX XXXX per her real estate sales contract. 
Can you assist? 
XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX or Cell XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My account with Wells Fargo was placed in forbearance or trial plan by mistake in XXXX, twice. First week of XX/XX/2020, the account goes into forbearance, payments are not accepted based on a problem with Wells Fargo systems and then the account goes out of the plan. Later, at the end of XXXX the account goes again in forbearance and I had to call Wells Fargo once again to get it removed. They finally did this on XXXX  XXXX. I spoke with several representatives, the last one being XXXX XXXX ( direct line XXXX extension XXXX ) who after several phones told me on XX/XX/XXXX that he got approval to issue a letter stating that the account was placed in forbearance by mistake and that he was only waiting for the legal department to approve the language of such letter. After waiting for a week, I spoke again to XXXX. XXXX on XX/XX/XXXX, who informed of the decision by Wells Fargo to not provide such letter. This situation has generated significant issues on my side, as other lenders are now reluctant to provide any financing until the situation gets resolved or some time goes by before they are wiling to look at my applications again. The major issue here, other than the account being inadvertently placed in forbearance is that Wells Fargo continue to mislead customers telling them that accounts entering forbearance during covid19 will not impact credit scores, but they massively fail in disclosing that credit score agencies will still be informed about the situation and that a note on the report will indicate that at some point, the account was in forbearance. Even if this does not affect scores, it DOES affect customers with an impeccable record of never having missed a single payment or liability in their whole lives. Wells Fargo continue with their old practice of misleading customers. A smart lender will always look through scores and if there is anything else on the report that could be a cause for concern, then its reasonable to believe that a note on the report such as the one Wells Fargo has now created on mine, could become a big issue to me in the future.
Product: Credit reporting

I requested validation of a bankruptcy on my credit report reference number # XXXX, providing me with any viable evidence submitted by United States Bankruptcy Court to validate this bankruptcy. Experian failed to provide me with validation and only provided me with a letter stating that it remains on my credit report. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record.
Product: Mortgage

I have a regular mortgage that has a minimal payment of {$1000.00} per month. I had recently started to pay a portion of that to the Mortgage company bi-weekly. There is no early pay off penalty. So I would send {$600.00} every two weeks. Last week, they returned the check and said that I have to submit the minimal payment of {$1000.00} dollars and included the uncashed check. I am not sure why they would not accept a check in any denomination formy mortgage. The companies name is Franklin American Home Mortgage.
Product: Credit card or prepaid card

I was getting my unemployment ( pua ) direct deposited onto my NetSpend card, everything was going good until about a month after I was receiving my funds NetSpend locked my account, I called to get it figured out they said I have to submit 3 forms of identification to unlock the account, so I did just that, then a day later on XX/XX/XXXX they said they could not verify my identity, n that they are going to close my account and send the remaining balance to me in a check, which was {$6100.00}. They said it will take 7 to 10 business days until I receive it, so I said okay, waited 15 days and called them AGAIN, AND THEY tell me that the check was already sent back to the depositer, which is the state of Nevada, I call the state of Nevada and they tell me they have not received any check from NetSpend .. and i call the state of Nevada literally every 2 days to see if the check got their and of course they say no, I call NetSpend everyday no lie and talk to thier so called " supervisor '' and they give me the same run around ever time, that they can't do nothing about it, that the check was already sent out back to the state of Nevada , and that all they can do is escalate this to the " higher department " because they can't look at or do anything about the issue, and that they will call and email me within 3 business days and never not one time have I gotten any call or email from NetSpend , I don't know what else to do please point me in the right direction, and I know I'm not the only one who these thief 's are getting
Product: Credit card or prepaid card

I went on vacation I stayed at a few hotels first hotel was XXXX XXXX XXXX on XX/XX/XXXX XXXX then second was XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX I have the receipt were it was approved and completed and taking off my card. Now months later on XX/XX/XXXX I added XXXX to my cash app, which I did not have a negative balance, I never received a email or notification saying I owed money or there was a mix up, after my wife sent me that money i received a text from cash app saying both the hotels I listed the transaction from the hotels have been updated but the text message is dating in XXXX but they just took it out I called and they said there was a error in there system where they messed up in XXXX XXXX XXXX were money was sent to different accounts in the wrong amount but I didnt know that I was never informed. So basically they took money that on my end and on my account said it was completed and then now months later they said they had to pay the hotels because the money got Mix up and I owed that to cash app but they put it as the hotel yet they never mentioned anything too me before I added money and I was never negative and they XXXX dollars from me without explaining I feel like something isnt right and on the photos below it shows when. They completed so how did I owe that amount again and if they did have a error why wasnt I informed sooner instead of just taking all money I had tell my next period without communication, email or contact on cash app