23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My initial loan servicing company is Plaza Home Mortgage, my loan started on XX/XX/2021. On XX/XX/2021 I received a mail saying my loan was transferred to other company XXXX XXXX XXXX, and I should start making payment to them from XX/XX/XXXX. I setup automatic payments with XXXX XXXX XXXX. I also had setup automatic payments with Plaza Home Mortgage before the transfer has happened. 

On XX/XX/XXXX my bank account was charged twice, first by XXXX XXXX XXXX and Plaza Home mortgage. I called to Plaza and asked them to verify it. On XX/XX/XXXX they send me a refund check AND a delinquent notice ( two separate mails, dated with a 2 days difference ). I called to Plaza and asked them why did that happened. They said the delinquent notice mail was sent by error and I should ignore it. They also said my transfer is STILL in progress. I asked them to open an investigation regarding that and suspend my account if the transfer is over, to avoid double payment in the future. They confirmed they have investigation tickets in place for my account. 

Starting from last week I keep receiving calls from collection agency of Plaza mortgage and today ( XX/XX/XXXX ) I received mails from them stating i still owe them and they charged me with late fees. 

I feel helpless. I pay to my current mortgage servicing company and I don't understand why I have to deal with incompetence of Plaza Mortgage employees.
Product: Debt collection

I've asked multiple times for information involving this debt collection and have not received any information proving that it's mine. They had taken me to court three times. Frozen my checking account a few years ago and still dealing with the issue and not getting the information I'm requesting to prove that it's my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and the attached credit cards were created without my knowledge and charges were made, all without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent accounts currently reported on my TransUnion credit report. These accounts were not opened by me, and I believe they are the result of identity theft. I am requesting that you delete these accounts from my credit report as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XXXX, XXXX  ( XXXX yrs, XXXX mos ) Creditor Name : XXXX XXXX Under Section 605C of the FCRA, consumer reporting agencies are required to block the reporting of information that the consumer identifies as resulting from identity theft, provided that the consumer submits a valid identity theft report. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under this section to request the deletion of these accounts. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Over three year 's ago ; I went through a Civil Litigation with XXXX XXXX XXXX, in which I though was resolved. The problem that I 'm currently experiencing is that XXXX XXXX XXXX and Experian Credit Bureau is reporting inaccurate information on my credit report, in which I 've explained to Experian numerous of time. From my understanding if a creditor does n't report correct information on a consumer credit file it is assumed to be illegal and MUST be removed immediately. In my case XXXX XXXX XXXX is n't reporting their information currently. First, and foremost I no longer owe the amount that they are currently reporting on my credit file, which is cause tremendous harm to my credit report and credit score. Furthermore, it increases my debt to ratio in a negative way, which also impacts my overall credit report and score. If XXXX XXXX XXXX and Experian can not report accurate information on my credit file is it against the law? I would like for this information to be removed from my credit report immediately. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ln accordance with the Fair Credit Reporting act. The Accounts listed below XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) AND XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX ) have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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. States : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

I have been behind on payments due to health and family issues.. I tried to explain or to them.but they didnt care so I had to stop payments to make sure my family was fed. I finally got some money coming in and made a ONE time payment of the regular {$67.00} and some change. But they decided after to take four {$25.00} payments and a {$170.00} payment one right after the other without my permission to do so. They completely emptied out my bank account.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of XXXX. but $ $ this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$2600.00}
Product: Credit card

I applied for an Amazon advertised " Cash Back '' Chase Credit Card with an incentive of a gift {$100.00} dollar Amazon debit card. I put that Chase Credit Card in a wallet and placed it in my bureau. ( I was using my XXXXXXXX XXXX  " cash back '' credit card at the time. ) That was back in XXXX, 2023. 

Today, XX/XX/2023, I opened what turned out to be a Chase Credit Card Statement indicating a balance of {$320.00} for this subject credit card : XXXX XXXX XXXX XXXX ( A credit card I never volitionally used ... Attached below will be the Chase Statements I can upload. ) This credit card is supposedly cancelled. 

What occurred is that this credit card dropped to my Amazon.com account and was automatically assigned as my " Default Payment ''. My next XXXX sequential Amazon Transactions ( Uploaded Below ) were as follows : XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$9.00} XX/XX/XXXX : {$29.00} and XX/XX/XXXX : {$25.00} ( This item was an Amazon gift card " reload ''. It is not something I would charge to a credit card. ) The aggregate authorized purchases were for {$74.00}, however I never authorized any of those purchases to be applied to the Chase Credit Card. What occurred is that in the " Joint Venture '' between Chase Credit and Amazon ( chase.com/amazon ) is that Amazon modified my Payment Defaults and placed this Chase Card as my Payment Method. ( It is my personal account information with billing and shipping addresses, telephone numbers and payment preferences. Yet Amazon entered my private account and took control of my account payment options without knowledge to me. I had no idea those four minor purchases had gone unpaid and were accruing Penalties and Interest with Chase Credit. ) I called Chase Credit and offered to pay the principal but Chase insisted I play the full amount of penalty charges. I called Amazon asked them to intervene and they told me they were powerless to influence the Credit Card issue with Chase. ( Attached below is Amazon 's email to me. ) It is incredulous that these two entities can form an alliance like this, modify my purchase selections and then purport to be powerless to do anything except collect the Penalties and Interest that I had no knowledge I was incurring. It is fraudulent on both of their parts. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across TransUnion, XXXX, and XXXX. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from XXXX and XXXX while accurately reported as XX/XX/XXXX, by TransUnion. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
XXXX adds unnecessary remarks stating, " Closed or paid account/XXXX  balance Auto, '' which is not consistent with TransUnion and XXXX. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement. 
Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from XXXX and XXXX XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau stating that these corrections have been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and

TILA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I discover several unauthorized hard inquires that I do not recognized. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negativity affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect  consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I advice Ace Cash Express Corporation in XXXX, Tx on XX/XX/XXXX-XX/XX/XXXX that I am working The Dept Consolidation Company Consumer Capital Advacates along with XXXX XXXX  XXXX XXXX XXXX to settle and resolve my loan Dept account. 
Customer ID:XXXX. 
And provided them the Documents by E-mail to direct all communication with my Dept Consolidation Company who is trying to settle my loan dept. 
They went to go threaten me as and customer consumer telling me if they don't received any payments they is going to threaten collection action when my dept Consolidation group advice me to reach out to Ace Cash Express to contect them regarding my loan account. 
To set up and settlement agreement to resolve my loan account
Product: Debt collection

According to XXXX. I have a debt of XXXX but the interest amount is XXXX. It is hard enough to pay and even harder to meet their interest amount. They said they would send a judgement letter too if I did not pay.
Product: Debt collection

I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/scrub> 2024, and on XX/XX/year>2024. I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to 15 USC 1692 G, and 15 USC 168 ( i ) ( 1 ) ( a ).
Product: Checking or savings account

They closed my account on XXXX XXXX and I find out on XX/XX/XXXX and no one tell me that they closed my account and I cant access money and card and my ssi and paycheck Im stuck.
Product: Credit reporting

There are XXXX items on my credit that I should not been held financially accountable for, which had spent hours on the phone sorting out with both companies : 1 ) XXXX : I had XXXX service for less than 3 days. Although I was told that The service would be good at my residence it was not. I was told that I would not be billed for anything and that my {$50.00} deposit would be returned within 30days. I never got my deposit back and now I have a negative report on my credit due to their error and misrepresentation of services. 
2 ) I have a Prior Authorization on file for my XXXX with my insurance company, XXXX. XXXX XXXX XXXX did not submit their claim in time and tried to hold me financially accountable for the bill. During a XXXX call with a representative from XXXX a manager XXXX. The manager XXXX clearly stated that they could not legally hold me financially accountable due to the agreement on the Prior Authorization that they failed to meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/22 {$400.00} ( almost my whole savings ) was sent from my XXXX XXXX savings accounts via Zelle. I dont know how this money was sent, as I barely even use this account its only a saving account for me. I called my institution ( XXXX ) who said they can not help me even tho it was fraud and I did not authorize this payment. I need a resolution, this cant be right and that easy of a way for scammers or thieves to take your money!
Product: Debt collection

This is my XXXX complaint Please provide paperwork or descriptions of activities billed for Legal Fees XXXX Maintenance Inspection What did lender pay for XXXX XXXX XXXXXXXX? The over " {$2800.00}?
Product: Credit reporting or other personal consumer reports

I request the closure of these accounts, as it is fraudulent and was opened without my consent.
Product: Credit reporting

This item is past the Fair Credit Reporting Act statute of limitation. XXXX was closed and paid properly in XXXX. It is now XXXX XXXX XXXX. Can you please remove it from my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

applied for Old Navy credit card at the register in Old Navy store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called XXXX  XXXX  5times, left 5 messages and call was never returned.  Called synchrony bank who verified credit was pulled but had no idea why I was denied as I have a Carecredit account currently active with them.  Couldn't explain anything about XXXX, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me Synchrony Bank has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with XXXX  rep;orting me as deceased and Synchrony Bank telling me letter is a scam when I received it in response to their bank denying me credit for Old Navy card. ( FYI  since I checked my credit reports I see the Old Navy/Synchrony Bank inquiry has been removed).