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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans from Nelnet is paid off Through debt forgiveness program and I asked them to stop reporting this debt On my credit file please remove it
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only pursuant to 15 USC 1681e ( b ) Please see attached identity theft report.
Product: Mortgage

I have a mortgage with Mr. Cooper and I was current until XX/XX/2020. But due to financial difficulty I was behind in my mortgage from XX/XX/2020 to XX/XX/2020. Since then I have been paying my mortgage to them in the amount of {$790.00}. On XX/XX/XXXX I received a letter from Mr. Cooper that I had not paid my property taxes and they needed a proof of payment in 30 days. And I in fact did contact them on XX/XX/XXXX that I had already paid the property taxes and I had mailed a copy to them and I did mention that I had sent several e-mails with the property tax information and that e-mail was undelivered.On XX/XX/XXXX I received another letter stating that I need to bring my mortgage current by paying {$3200.00}. I again called them on XX/XX/XXXX and explained to them that by end of XXXX I should be able to bring my account to current. I get yet another mail from Mr.Cooper saying starting XXXX I will have to pay escrow as they paid part of the property taxes and that my mortgage will increase to {$990.00}. I again called them at this point of time I do not know the date or time as they have been sending barrage of mail like every other day or every week. I have sent them e-mails with the proofs of my property taxes being paid and the e-mails were not delivered to XXXX the company they use for escrow account. I called the local tax commissioner 's office to get details if the money was applied to my property taxes and they said that a check was mailed back to them on XX/XX/XXXX the day and I sent them all the details. I have been since then paying {$790.00} every 2 weeks trying to bring to current. At one point they returned my money, but I sent it back to them. I made my last payment on XX/XX/XXXX for {$790.00} and they send another letter stating that I did not pay the full amount that is due for mortgage so they put in an suspense account until I pay the full amount. I am not sure what I can do at this point of time. I never had an escrow account and I have been paying my taxes every year, maybe late this year due to financial difficulties. Mr. Cooper also acknowledged that they received the information from the local commissioner 's office that my taxes were paid. I am going to send all the notices and mails and e-mails that I have to you. It has been an emotional turmoil to me as I am afraid of losing the house. In good faith I did what I can, but they are not helping. They even suggested that I take 3 months forbearance. And what happens after 3 months do I have to pay everything. They said yes which includes fees and other charges. And I can not refinance or modify the loan either. I am just tired and drained out talking to the people at Mr. Cooper. I just need help to get this resolved and pay my monthly mortgage of {$790.00} and pay my own property taxes. 
Thanks
Product: Checking or savings account

On XX/XX/XXXX I opened an account online with Citibank, the next day I went in and used a settlement check for {$22000.00} as my opening deposit. On XX/XX/XXXX I tried to withdraw some funds and was told that there was an issue with the check so a hold had been placed on my account. I tried calling customer service for some answers and all I got was that the check was fraudulent. I went to the bank on XXXX and spoke with XXXX XXXX and showed him proof that the check was not fraudulent and he told me that the notes on the account said it had been verified. He copied what I had brought in and said he'd contact me. On XX/XX/XXXX I called him and went back to the bank and he said from what he found that the check was good so we called the fraud department. After speaking with them I was told the issuer needed to call and verify the check. On XXXX the issuing insurance company did that and so I went back to the bank as instructed and we called fraud and they proceeded to find it necessary to re-verify the check with the issuer, which they did. I was then told that the hold would be removed and I could then access my funds in 24-48 hours. On XX/XX/XXXX I called to find out the status of the hold only to be told it had been rescinded and that I must now wait 30-60 days for them to send me a check. I went back to the bank and once again XXXX XXXX called the department handling the issue and was told they refused to remove the hold and would not expidite returning my funds. This, in no way, was my fault and had the first person that decided that not only my check was fraudulent but lied and said it had been verified as such had done their due dilligence and actually called the issuer then we wouldn't be where we are now. I simply want the hold taken off my account and my funds returned to me, in cash, from the bank. I do plan on going on social media with this as well as contacting the local news so more people don't have the same experience. Nobody should be falsely accused of fraud and then have to jump through the banks hoops to end up suffering the consequences from a bank error that should've never happened to begin with.
Product: Checking or savings account

I received XXXX debit cards from Square that I did not open and I believe were opened fraudulently. I called Square, however was not able to reach any human agent to close the account.
Product: Mortgage

In or about XXXX 2016 I was notified by Select Portfolio Services that I was eligible for a loan modification. I completed the application about XXXX 2016 and began the process of submitting the required documentation. I spoke with the Relationship Manager assigned to my account and many other reps regarding required documentation, took notes and sent the documents exactly as requested. I have been asked to resend the same documents in different formats on XXXX - XXXX occasions since I started the process. Weeks would pass and I would n't hear from them only to find out another document needed to be reformatted and sent in again. The most recent request was to fill out another application which was which is redundant because an application was completed when I initiated the process. This complaint is about the administration of the modification process. I have been in compliance with all requests from SPS and it has been unproductive and not yielded any results to date. My life has been on hold waiting to hear from SPS with a decision and I have not made any financial transactions that might XXXX the process. I am deeply concerned about the deceptive delay tactics that have been used with me by SPS regarding this modification and the reasons why. I expressed my concerns on several occasions with SPS representatives and was told that we are near the end of the process and I just need to submit the requested information and this would be it. It never was " it '' there was always another request.
Product: Debt collection

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THEREFORE THE REPORTING OF THIS ACCOUNT IS INACCURATE AND INCORRECT. I HAVE REACH OUT THIS COMPANY SEVERAL TIMES TO NO AVAIL. THEREFORE THEY ARE IN VOLATION OF 'THE FAIR DEBT COLECTION PRACTICE ACT '.
Product: Debt collection

Over the past year or so, I have received calls from this company. They do not identify the company, only saying that they are trying to collect a debt for a XXXX XXXX. I tell them that all of my accounts are in good order and that I placed a freeze on my credit reports several years ago because of the data breach at OPM -- OPM in fact sent me a letter saying that my data had been hacked. I ask the agent for the last XXXX digits of the SSN of the XXXX they are looking for, and they do not match mine. Each time, they tell me that they will remove my number from their database -- and then I get another call. At no time have I provided them any personal information, not even the last XXXX digits of my Social Security Number, date of birth, etc. 

On one of the calls, I was told that they were trying to collect a debt for a home security system ( this seems to be a common thread of the complaints against the company that I have read online ). Further, I was given the name of my wife, regardless of the fact that I never have never been married to a woman. I have lived in my house for 25 years and never have purchased an alarm system -- why when I have XXXX dogs! -- nor have I ever contacted any home alarm systems company. 

The latest call was several days ago. I came home and found a voice mail from a " XXXX '', saying that I should listen to the message where no one else could hear. She then proceeded to say that she is trying to collect a debt -- again no mention of what company she works for or what the debt is for. I did not call back this time, because I want to file a complaint with you all so that the calls stop. 

Each time I get one of these calls -- and by now, I recognize who it is, I Google the phone number and read the remarks others have posted about this company, which is Hillcrest, Davidson, and Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( That " XXXX '' is at extension XXXX ) I do not know if this is a legitimate outfit or if these are scam calls. I would think a legitimate outfit would verify information first before calling -- and I do consider these calls to be harassment..
Product: Credit reporting or other personal consumer reports

My credit score has dropped due to an inaccuracy on my credit profile. XXXX XXXX XXXX reported that I was late in XXXX, but I have provided documentation to the credit reporting agency proving that I was never late. My XXXX credit card statement clearly shows that I made a payment at the branch on XX/XX/2024. Can someone explain how I received a 30-day late mark when it is evident that I made my payment on time? This error is negatively impacting my credit score, which is affecting my career and insurance, as everyone is seeing this late payment and how it has lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had a problem with XXXX XXXX XXXXears back I was paying for a XXXX XXXX and a cell phone I paid the watch off. But I had started to have problems with the phone XXXX was paying XXXX $ and something a month and always paid on time. But my phone was doing weird things like downloading people 's emails into my contacts of people. And had my credit card hacked the phone would shut down and reboot. Itself all the time I couldn't hear on it and it would ring and ring but couldn't answer it so I couldn't even use the phone anymore. So, called to get a replacement. I had insurance. I paid monthly. for insurance i was told that I only had to pay {$5.00} for replacement when I brought the phone in, they said it was going to be.XXXX XXXX   i said no its {$5.00} for a replacement and she said because of a tiny little chip that you could barely see it .It was nothing I couldn't believe it.I told them to cancel my contract because I've been paying my bill every month and hadn't been able to use my phone for a little over a month. And I had still paid my bill that whole month I couldn't use the phone. And I wasn't going to pay {$50.00} for a replacement. I had paid way over {$50.00} in insurance So ; I went to another carrier. Cause I wasn't able to use that. Phone so they left my account open for over 4 months and let the bill get higher and higher till it was XXXX XXXX XXXXven though they were not receiving payments. Usually after 60 days of not paying a bill they will shut the service off but nope they left it build up for a little over four months and sent it to collection. this has been on my credit for a few years. But this is the second time they have resent it to collections saying it's a new collection as of XX/XX/2023 they have done this twice and it has impacted my credit. significantly twice i would appreciate it if they would stop putting it as a new collection once it was almost off my credit then they sent it to collection again saying its new as of this year. the collection agency is SOURSE RECOVERABLE MNGMA ACCOUNT # XXXX SAYING DATE OPENED XXXX WOULD LIKE THIS REMOVED THEY LET THE BILL CONTINUE TO GET HIGHER AND HIGHER AFTER I TOLD THEMI COULDNT USE THE PHONE AND ASKED THEM TO CANCEL MY CONTRACT I WOULD LIKE IT REMOVED PLEASE THANK YOU
Product: Credit card or prepaid card

Amazon Synchrony The Billing Date is on the XXXX of the month. 
When you pay the balance in full between the XXXX and XXXX then it does not count as a payment for the billing cycle ending on the XXXX. 
Any charges made after full payment an the XXXX of the month will be due by the XXXX of the next month or be considered past due and a late charge is charged. 
I have complained to the company and have been told that I can only make payments between the XXXX and the XXXX of each month or they will be applied to the previous month. 1 ] its hard to remember that we can not puchase anything on Amazon until after the XXXX of each month. 2 ] if the billing cycle ends on the XXXX any payments after that billing cycle ends should go to the next billing cycle, after all if we missed that date with a payment we would be penalized. 
The answer I get when trying to work this out is " I'm sorry but this is a company policy ''
Product: Debt collection

My latest credit report includes accounts I suspect were added without permission and are incorrect. I ask that these fraudulent accounts be blocked and removed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I paid my current credit monitoring account the fee of {$29.00} to review my credit reports with XXXX, Experian and XXXX XXXX. I discovered there were  multiple unauthorized hard inquiries on my credit and I contacted each creditor via phone which took 4 hours of my time from work and nothing happened. I filed a dispute to each credit bureau on XX/XX/19 and sent each letter via certified mail with tracking numbers to monitor this process. On XX/XX/19 I refreshed my credit reports and further discovered that there are no changes nor any updates on the methods used by each credit bureau. Furthermore, there is an invalid late payment on one of my accounts that has always had perfect payment history and I submitted documentation to the credit bureaus as well to expedite this request since I am making sure my credit is in good order to purchase property. This is a blunt violation of my rights as a consumer and is costing me tremendous stress and hardship on my health because of this violation. I am reaching out to the consumer finance protection bureau for help since it has been more than 30 days since each credit bureau received my dispute packages.
Product: Credit card or prepaid card

Statement : I have got no receipt for that purchase, XX/XX/XXXX I was requesting to cancel the trial/service with with XXXX XXXX XXXX As well cancelling capital one virtual card I have used for charge protection offered by Capital one. I have called Capital one on XX/XX/XXXX and complaint about the charges, rep told me not to worry these amounts will be credit back and I never heard anything back till I found out I got charged again same amounts on XXXX. I have called 3 times talking to different reps and a manager on XX/XX/XXXX and I got promised again that full refunds of {$1700.00} will be issued again. Since then Im just getting letters my disputes were rejected because of bank errors. 

I need help dispute the following charges : Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022 Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022 Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these ( 3 ) accounts for over 8 months ( starting in XX/XX/XXXX) now with each bureau, as well as directly with the creditors in question. They both always claim the accounts and information are verified and valid, but when asked for their method of verification or proof that they are actually conducting an independent investigation, they never give me any information on that. 1.In all of this time I have only gotten 1 reply from the creditor " XXXX XXXX XXXX XXXX '', wherein they stated their claims were valid. When I then pointed out that the information was inaccurate because it was different information with each bureau, I never got a reply from the creditor again, and each bureau just continually told me the info was " verified ''. There has also never been any mention of this account being in dispute on my report, which is an FCRA violation. 2. This account " XXXX '' also consistently comes back " VERIFIED '' from each bureau with no further info on how. Each bureau has different information listed for this account and upon pointing that out, the info never changes when they reply it's verified. This account also has never been listed as " disputed '' which is an FCRA violation. 3. The account " XXXX XXXX XXXX/XXXX  '' ( 3 accounts ) has also been disputed multiple times for report info that is different across each bureau. This account was never marked as disputed on my report. Also for the name that is listed on my report is " XXXX XXXX XXXX/XXXX '' when the company 's actual name is XXXX, XXXX as if to insinuate they have some affiliation with the US Department of Education which is also a violation. 4. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a transaction history that I don't recognize on an account with a company other than theirs. ( photos will be attached ) 5. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a private lease agreement from a company other than theirs containing my ( redacted ) personal information. ( photos will be attached ) 6. After multiple requests, the account " XXXX/XXXX  '' listed on my report has never responded with any proof that this account or alleged debt belongs to me. The only reply I have ever received is that they would no longer be contacting me to pursue this debt, and it has not since been deleted. It has also never been listed as disputed on my report
Product: Credit card

After spending 2+ hours on a call from CITI bank disputing fraudulent charges to my account on XX/XX/XXXX, I was told a new card would be issued and that I would receive it in a few days, however this did not happen. When I called days later on the XXXX for a status, I was told there were yet new charges for thousands of dollars. The account apparently remained open, and more fraudulent charges were made. When I questioned why the account was still open to fraud, I received no explanation, other than that a new investigation was still needed. I called back days later on the XXXX, I was told there were yet additional charges ( fraudulent ), which I again disputed. Apparently, the charges are still not cleared, and the account still not closed but was told locked at this point and to call back in 48 hours to pay the balance owed and close the account. I called on XX/XX/XXXX, I asked to pay the debt I knew I owed, an amount of {$480.00} and that I did not want to do business with CITI ever again and forget a new credit card. Well, I was told they still needed to do more investigation and would need to call me back. At this point I will admit I lost my cool and she apparently did not want to deal with me, and I was then disconnected. Any assistance will be greatly appreciated in resolving this matter. 

Thank you