23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted XXXX and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about this.
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Product: Debt collection

According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX visa/XXXX XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times
Product: Credit reporting

I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017 The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted XXXX by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not familiar with the below inquire on my credit and should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2018 Alert Type Inquiry Processed Date XX/XX/2018 Inquiry Date XXXX Inquirer Name XXXX CARD Address XXXX XXXX XXXX, XXXX, DE, XXXX End User Text EIS/
Product: Debt collection

Ford motor credit has charged off my account and the irs states : The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! Which in fact makes the reporting of this account incorrect. Even if i didnt receive a form 1099-c, they must report canceled debt as gross income on their tax return.

Also 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been paying for my student loan for over 10 years and the interest rate continues to change and the loan is not lowering at all. I am with Navient. They even refused to send me the end of year tax statements. I had to get an attorney to get them to send me my end of year statement. I have not received one in over 4 years to file on my taxes.
Product: Credit card or prepaid card

I sent a check via usps with tracking. The company received my payment in plenty of time before my due date but sat on the payment for over a week before posting it to my account. They then charged me a late fee and interest and account assure fees on the " late '' balance. The check I sent would have paid off my account and then some. They finally refunded the late fee but did not adjust the other fees I was charged. They also did this to me on another store card I have.
Product: Credit reporting or other personal consumer reports

DATE XX/XX/year> COLLECTION COMPANY NAME XXXX XXXX PH NUMBER XXXX SPOKE TO TWO CISTMER SRVICE REPS THEY STATED THE COMPANY XXXX XXXX XXXX GAVE THEM MY INFORMATION I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY. I REACHED OUT TO XXXX XXXX XXXX THEY STATED SOME ONE USED MY NAME. I TOLD THEM TO REMOVE THIS OFF MY CREDIT REPORT THEY TOLD ME I HAD TO DIS PUTES THIS THIS CHARGE MY INFORMATION FRAUDLY USED. I FILE A POLICE REPORT AGINDT THEM.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 Responsibilities of furnishers of information to consumer reporting agencies. 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 have reason to that Self financial does not have my accurate personal information. I have ask Self and XXXX to investigate this but it has not resolved the issue.
Product: Checking or savings account

On XX/XX/XXXX, my friend asked me to use my debit card for a transaction to purchase a one time stock via XXXX XXXX for XXXX XXXX. ( To surprise his wife as a XXXX present ) Wells Fargo had taken the money out and when I/my friend went to cancel the agreement, we were told could not cancel. Yet, on XX/XX/XXXX, I spoke to a XXXX XXXX who stated that an investment was not made. I asked for the return of the {$310.00} as now this is theft on behalf of XXXX XXXX. ( If the investment had gone through, {$310.00} would have been removed monthly from XX/XX/XXXX until date. ) I also filed a complaint with the SEC. I would like Start Engine to immediately return the {$310.00} to my Well Fargo account as he stated an investment had not been made on behalf of XXXX XXXX through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

My mortgage loan secured my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX closed on XX/XX/XXXX. My loan was originally serviced by XXXX XXXX XXXX. The servicing was then transferred to XXXX XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX XXXX placed forced place homeowners insurance on my loan. This forced placed insurance created an escrow shortage which resulted in an increase of {$1000.00} in my mortgage payment. The servicing of my loan was transferred to Shellpoint Mortgage Servicing in XX/XX/XXXX soon after the increase in payment.. I have provided Shellpoint with copies of my homeowners insurance policies to show that there was no lapse in coverage from the inception of my loan until the time of this complaint. I have contacted ShellPoint on numerous occasion to have this error corrected and the monies returned to my escrow account. They have refused to help me address this error, they have also refused to provide me with a ledger of my escrow account and keep passing the blame to XXXX XXXX XXXX. XXXX XXXX XXXX informs me that they no longer have my mortgage and refer me to ShellPoint. 

I have done everything that I can possibly do to correct this mistake over the past XXXX months without any success. This increase of {$1000.00} per month to my mortgage payment is creating severe financial hardship on my family. Can you please help me.?
Product: Credit card or prepaid card

On XX/XX/2022 Paypal said my purchases which were never fulfilled were protected under their policies and told me countless times over the phone and chats that I would get my money back and to be patient. They initially said 15 days of no response from the vendor XXXX XXXX would result in a ruling in my favor. 

I was very patient, but Paypal waited until XX/XX/XXXX at XXXX to notify me I was ineligible to receive purchase protection on my 24 unfulfilled orders for a total of {$19000.00} which were under 180 days old. 

They additionally said there would be a high likelihood of orders over 180 days that were unfulfilled to be refunded. 24 orders with a total of XXXX. 

This process was extensively misleading.
Product: Debt collection

Convergence is trying to collect with written threats on an account that was dissolved & reallocated to 2 other accounts and subsequently paid.
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Lmm Inc, for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.
Product: Student loan

On XX/XX/2023 received a email stating my loan is discharge. I went online on the portal in I see adjustments on the original loans but not on the consolidated loans. I need the adjustments on the consolidated loans.
Product: Checking or savings account

Truist Ban k took over Suntrust which is a bad idea. I am trying to resolve closing my account and paying an amount due on a Line of Credit. Because I moved and no Truist Bank is in my area I chose another Bank. Due to automatic payments being take from my Truist account my balance was not enough to cover the checks I had written. The overdraft protection caused the checks to go to a line of credit. In refinancing my home I thought all Suntrust Accounts were closed and I have to information on this line of credit. I get letterrs and cards from Truist and I call the numbers in the letters but I can never talk to anyone and they say " Do to high call volume we can not take your call. We will call you back. THEY NEVER CALL BACK.
Product: Debt collection

Hillcrest Davidson and associates is an unfair foul practice company causing stress in my life ... i do not owe this company any debt they claim i do, they wont provide with any information i request regarding this debt, i asked them to stop calling me and my property management, which they haven't stopped the calls and the threats even after telling them to stop calling, this company has harassed me, XXXX profiled me, used foul language, and threaten me with in quote " we will release the dogs if you do not pay! " the amount they ask for is never the same with misleading information. 

they contacted people not related to this matter. they have used my phone number and other random numbers to call me and yell at me demanding payment they have trolled me day in day out with this matter i do not owe. 

this company has been detrimental to my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am making this complaint willingly and without a credit repair servicer or any other third party. Please see attachments for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance shows {$3700.00} I spoke to the company XXXX XXXX and they told me we can not verified and they requested deletion all the credit bureau. XXXX & XXXX they both followed the rules except Experian when i asked experian and provided the documents they are not responding till now and they got the documents came from XXXX XXXX and they are not even trying to solve this issue and also i have the certified mail copy. 


Secondly, I also got XXXX XXXX {$5000.00} credit card limit and they are not reporting as well when i called XXXX XXXX they told me and provided me the statements that they reported to experian and experian credit report agency not doing their job my uzilization is 126 % which is n't absolutley wrong please fix Asap other companies are reporting accurate information please follow the rules. Thank you.
Product: Checking or savings account

On XX/XX/XXXX of 2023 i had XXXXXXXX XXXX frozen from my buissness account after 4months of ot being deposited via certified funds, casheir check from a client. The check was issued by bank of america and they illegally froze my account and took the funds after months. No explanation ect i called and went to the branch where it was deposited in person and i followed instructions from the branch banker and i did everything i was supposed to. The cashier check was verified and accepted. So i dont understand and have not been helped. After banking with bank.of america for over 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX Bank multiple times now regarding a fraudulent credit card that was open in my name. I have supplied them with the FTC report and the Police Report. My identity was stolen. There were bank accounts, credit cards, and utilities open in my name. This individual was using my contact information and stole my identity. I have tried to resolve this with XXXX multiple times now and they are stating that they are unable to remove this item because they verified that it was mine. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681 g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
15 USC 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Pursuant 15 U.S Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof if 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. 

I have supplied XXXX with all the above documents to remove this item from my credit report and close the account as fraudulent and they are refusing. I received the attached document from XXXX but no additional documents to prove that this account was mine. XXXX is stating that cards were mailed to me- I travel for work and at the time the card was opened I lived with multiple roommates XXXX is stating statements were sent to an address that belongs to me- like stated above I had roommates XXXX is stating payments were made from an account that belongs to me- there were also fraudulent bank accounts opened in my name XXXX is stating I received benefits- this is false XXXX is stating a phone # that belong to me contacted - like stated previously there were fraudulent utilities opened in my name as well. XXXX is in violation of my consumer rights and several federal laws!! I am demanding this account that arose from identity theft removed immediately from my consumer reports. The attached document from XXXX has NO EVIDENCE and NO DOCUMENTATION to prove any of these findings.
Product: Debt collection

Credit Protection  XXXX    XXXX , Texas This collection agency has tampered with my good credit. I intend to bring civil suit against these criminals. They should be vigorously investigated for their criminal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth attempt at trying to get hep with some fraudelent inquries, I have tried talking to someone at equifax over the phone, I have tried sending in letters in the mail, I have tried submited complaint, here it is again. My issue is that I have some fraudelent inquries that I have been trying to get off my credit repoert for THREE MONTHS. I have spoken to multiple people over the phone who says to send in an identity theft report with the fraudelent inquries names and dates, and a copy of my I.D and Social Security card, I have sent in all of those documents multiple times, I with no results. So I will try something new I will upload those documents here in my ftc complaint, so they can not claim they never recieved them.
Product: Credit card or prepaid card

I engaged with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) in of XXXX  to perform marketing for my company XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX agreed to send emails on our behalf to all of their clients who went in for XXXX certification. In late XXXX we learned that the service that XXXX XXXX XXXX was providing was not generating any responses at all, which made us suspicious that anything was actually taking place and if the emails we had paid for were actually being sent out. XXXX XXXX XXXX would not share who the emails were sent out to despite charging us thousands of dollars for the service, and just sent a screenshot that said " Emails sent ''. We complained to our bank CHASE and they stated that since the contract we signed said " No Refunds given '' that we had no recourse. I feel that this is fraud because XXXX XXXX XXXX did not provide the service we paid for.