23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, TransUnion, and XXXX regarding the reporting of an account associated with XXXX XXXX. The reporting of this account is inaccurate, misleading, and violates consumer protection laws. I am requesting the immediate deletion of this account from my credit reports for the following reasons : Disputed Ownership of the Account- There is significant uncertainty as to whether this account is even mine. I have not received proper validation from XXXX XXXX or the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ), which mandates accurate reporting of consumer accounts.

Settlement Paid but Reporting Errors Persist- I paid a settlement amount for this account, and it was reported as " Account legally paid in full for less than full balance '' as of XX/XX/year>. Despite this, the account continues to reflect a " XXXX XXXX '' status with multiple late payments. This is a misleading and punitive representation of my credit profile, violating FCRA 15 U.S.C. 1681e ( b ), which requires the reporting of accurate and fair information. 

Failure to File Form 1099-C - XXXX XXXX  has reported the account as a " Charge Off, '' indicating a loss to them. However, under IRS regulations, if a debt cancellation exceeds {$600.00}, a Form 1099-C must be filed with the IRS, as per IRS Instructions for Forms 1099-A and 1099-C. No such form was issued, suggesting the reporting of the charge-off is inaccurate and improperly documented.

Breach of Reporting Obligations - The failure to validate ownership of the account, combined with the absence of required tax documentation, constitutes a significant breach of consumer protection obligations. Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute and have inaccurate or unverifiable information promptly corrected or deleted from my credit file. 

Due to these breaches of the FCRA and reporting inaccuracies, I am requesting the immediate deletion of this account from my credit reports. The ongoing misrepresentation of this account on my credit profile is unjustified and continues to harm my financial standing. 

Thank you for your attention to this matter and for taking immediate corrective action.
Product: Debt collection

There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. Please help, the information listed shows as follows XXXX accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}
Product: Mortgage

I am in the process of selling my home. I am seeking a LIEN RELEASE. In XXXX GMAC MORTGAGE granted a home equity line of credit of {$74000.00}, in my former martial surname of XXXX. GMAC is now defunct ( XXXX ). GMAC sold out to OCWEN who sold to XXXX, who lastly sold loan to PHH MORTG. None of these companies has ever reached out to me with any correspondence/billing statements. I have contacted PHH MORTG several times via phone to no avail. PHH MORTG says they have to record of my loan originating from GMAC. I have also inquired into XXXX XXXX XXXX 's office to get information on who bought loan, also to no avail. All I want is to get a lien release to resolve this matter as quickly as possible. All these mortgage companies selling loans and NOT keeping records has made it next to impossible to find the company who now has the loan.. PLEASE HELP ME. Thank you.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.
Product: Debt collection

FreeMsg : Verify Wells Fargo activity. Card XXXX {$1300.00} @ XXXX XXXX XXXX {$27.00} @ XXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs This text message was received today, XX/XX/XXXX at XXXX XXXX ET. This is not mine. I have never had a credit card with Wells Fargo. My deceased mother had a Visa with them but that account number ended in XXXX. Spoke with Wells Fargo today who confirmed my moms account is closed and listed as deceased and that hers is the only account associated with my cell phone. I spike with XXXX in their collections department. 

Several months ago I received voice messages from Wells Fargo where someone was attempting to open a mortgage in my name. I reached out and advise I had not make any credit applications with them and ask them to show that application as fraud. They assured they would but a month or so later I received another voice message. I called again and was assured again they would close that application as fraud. 

Ive since added security freezes to all 3 credit bureaus as another company, a bank, had pulled my XXXX XXXX, I believe, credit file for a mortgage application. I contacted the company and they supposedly reflected it as fraud and the credit union removed the inquiry once I contacted them. 

Someone withdrew almost {$1000.00} from my XXXX XXXX XXXX money market account with XXXX and some other companies. After disputing as fraud, the credit union replaced all monies and closed the account. 

Someone has stolen my identity and attempting to open accounts in my name and somehow has access to my accounts. 

Help
Product: Credit reporting

I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request.
Product: Credit reporting or other personal consumer reports

Last XXXX i was made aware that i was a victim of identity theft. I contacted the credit bureaus and followed there instructions. after disputing, Nothing has came off my credit. I wonder why? Could it be the reason that the CFPB filed a lawsuit against XXXX? I need these fraud accounts off my credit.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 MONTHS REPORTING 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a XXXXXXXX XXXX and this is currently being investigated.
Product: Mortgage

We refinanced our mortgage in XXXX and our lender changed from XXXX to a company called PHH Mortgage. Our first payment through this new company was on XX/XX/2021. A few days before the due date I went to go set up my new account and input all my ACH info for direct debit like I normally do for any other bill I pay online and like I previously did for my mortgage and it came up with an error popup that I could not make a payment online and had to call their phone number. I called their phone number listed and the customer service rep explained they would allow me a one-time free " courtesy '' payment over the phone this one time, however in the future it would be {$17.00} every time I want to pay over the phone in the future. They said there was no free way for me to pay my mortgage unless I wanted to put it in the mail and hope they received it, but they advised me the mail is very delayed and there was no guarantee they would receive it in time, and that to pay online I needed to sign a form they would mail to me, insisting I needed to sign it very quickly. I received the paperwork and it is a Note Amendment to my mortgage! It says in section 2 that they can charge me up to {$19.00} per payment online, it makes no such statement that this is for me to be able to pay my mortgage for free. When I called to confirm they restated the charges to pay over the form and insisted if i wanted to pay online I must sign the Note Amendment. When I asked how much it would cost for me to pay online without the Note Amendment they said that wasn't possible, nor could they tell me what the fee would be once I do sign the Note Amendment because apparently the fees are different state to state and they said there was " no way '' they could tell me what those fees would be. There is no way for me to sign up for autopay or do single payments besides to sign this Note Amendment that states I can be charged up to {$19.00} which I find excessive. They claim they are a debt collection company but their company name is PHH Mortgage and they were offered to us by our mortgage broker - if I had known they were a debt collection company and could charge us exorbitant fees just for the privilege of paying our own mortgage we would have NEVER agreed to a mortgage with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX  Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit card

1. False advertising : See the hiperlink : a. Credit Card : XXXX XXXX from Capital One b. They Advertising : XXXX XXXX XXXX - Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first three months from account opening - Purchase Rate 0 % intro APR for 15 months ; 19.99 % - 29.99 % variable APR after that 2. They don't give me a {$200.00} introductory offer bonus for spend {$500.00} in the first 3 months after opening the account. And also do not give an introductory interest of 0 % for for 15 months on purchases/ 3. I Actually spend in purchase {$1200.00} and they charge me {$31.00} of interest.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my multiple attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please acknowledge the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXX Balance : {$680.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had a loan for over 9 years for my mortgage. The loan started with countrywide and fha (Now Bank of America) and was a predatory loan with high rates and an extremely high pmi of $XXXX per month. I was promised by the persons doing the loan XXXX and XXXX that they would look for a better product after signing. however, 90 days afterward they XXXX went into hiding. Once XXXX was reached, he stated "they don't even do those types of loans anymore" they were very bad.  I am highly confused as to how the FHA would allow for such a loan myself.  Fast forward ...I have requested numerous times to have the pmi dropped and found out from XXXX of the reps at Bank of America that the pmi should drop off after so many years. Recently I tried to request again and was turned down by BOA.  The pmi is now $XXXX per month and has caused me problems financially in the past.  I am simply requesting that the pmi be dropped to zero due to the age and monies already collected or lowered to a more manageable amount of
less than $200 per month. This is not a refinance request but a request that predatory practices on the pmi be stopped. No one pays the amount of a car payment or more for a monthly pmi.
Product: Credit reporting or other personal consumer reports

Hello, I am in the process of purchasing my first home and my loan is contingent on the 3 collection accounts on my credit report not having any dispute Verbiage on the remarks. These collection accounts were disputed directly to the credit bureau over a year ago and all came back as verified, however the creditors or the credit bureau continue to put that these accounts are currently being disputed by the consumer which they are not. In an attempt to resolve this matter myself i called all 3 credit bureaus and explained the situation and they all stated they removed the dispute verbiage, however when my lender ran my credit again the dispute verbiage was still there. I then called all 3 credit bureaus again and was advised that this is being placed on my credit from the creditors when they report monthly. I call each individual creditor and they all apologized and stated they updated their records for reporting except for Fair Collections & Out, when i called them today on XX/XX/23 @ XXXX Pst I first spoke to XXXX XXXX XXXX who advised me that once the account is disputed, they always report it as disputed regardless which is highly illegal. I asked to speak to a manager in which XXXX XXXX got smart with me and refused to transfer me then i was magically disconnected. I then called back and spoke to collections XXXX XXXX XXXX who advised me XXXX XXXX was correct once account is disputed, they always report it as disputed to the credit bureau. This practice is a violation as you can not report that the consumer has an active dispute when you have no proof. this has not only costed me money it's causing me a decrease in my credit score as my lender has to repeatedly run a Hard mortgage inquiry to see if the dispute verbiage has been updated correctly or not in which is hasn't been. The credit bureaus and creditors are playing a blame game and me the consumer is paying for it. I am in the process of getting my own legal counsel to assist in resolving these issues, but I was advised by a friend to file a complaint with CFPB since I am getting the run around from the credit bureau.
Product: Debt collection

Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.
Product: Credit card or prepaid card

Home Depot project loan card says permanent card will arrive between 3-5 business days. When I started to call the customer service number for a tracking number or any updates after the 6th business day ( XX/XX/XXXX ) I was told there was no way to track. I called every day to try to see if I should be worried the new card was so late. They said 10-15 business days was normal now. Finally 2 and a half weeks later ( XX/XX/XXXX ) I was given a tracking number that said the card was returned and signed by someone at their offices on XX/XX/XXXX. They said in the meantime while they print a new card I can use my temporary shopping card printed in store. When I went to the store, the printed copy was unable to be used as the new bar code was not there. Consistently, the credit serving company lied to me on the phone about not being able to track the card, shipping times, and daily temporary card limits and usage. This has been the most frustrating process and I feel completely abused by this company. My renovation is behind and I missed sales on products and even the availability of products. I would not recommend this project loan to my worst enemy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue with Equifax since XXXX. I have had a mortgage on my home since XXXX. XXXX  ( XXXX XXXX XXXX ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, Equifax deleted XXXX off of my credit report. XXXX was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with XXXX  and they assured me that they are reporting to Equifax every month. XXXX  and XXXX  has it right, but for some reason Equifax can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent Equifax a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need Equifax to fix this one first. I am attaching my XX/XX/XXXX statement from XXXX as proof that I have a mortgage.
Product: Credit card

I received a message alert about updating income for my Chevron XXXX XXXX Visa from Synchrony Bank but I can't get verified cause the website doesn't recognize my phone number I have had for 30 years. It is the number i use on my account, ( see attachments ). So I can't update the income information for that account until I can have access to my profile. The problem is I can't receive a text or phone call cause when I input my phone number, I get a message stating the system doesn't recognize my phone number, so I can't get in to update what Synchrony Bank wants me to update.