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

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Mortgage

My mortgage was in default, I then reached out to citi mortgage bank. They then put me on a trial period. My payments were adjusted to {$1300.00} which all payment were received every month on time. I then received notification that my mortgage was adjusted and approved on XXXX XXXX. Then on XXXX XXXX I meet with XXXX XXXX the attorney and signed on my new mortgage with citi mortgage. They then received the signed documents on XXXX XXXX @ XXXX and signed by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Ex XXXX number XXXX. File number on this document is XXXX and XXXX this is the XXXX XXXX title file number. So I then continued to make all my payments every month. Then on XXXX XXXX I received a letter with my returned check enclosed and the letter stated that the {$1300.00} received on XXXX/XXXX/XXXX was insufficient. I then reached out to the company and was given the run around for a few weeks. I then spoke to XXXX XXXX over the phone, and she said they had never received my signed documentation. So that is when I reached out to XXXX XXXX @ XXXX. He said he was hired by a third party and had been paid for his services. This is how I received all the tracking information. I have done everything in my powers to make resolve this matter prior to sending this complaint. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX cell XXXX
Product: Credit reporting

For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed some unauthorized credit inquires on my credit report and Equifax responded by saying contact the creditor and listed Equifax to be contacted i have attached a copy of their response
Product: Credit reporting

I submitted a complaint via certified mail to Equifax more than one year ago. My Equifax credit report shows the dispute and says it is under investigation. Under the Fair Credit Reporting Act, Equifax had up to 45 days to resolve this dispute. They have yet to update the debt which is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX Balance XXXX {$180.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was wrongfully foreclosed on by Carrington mortgage services and XXXX, XXXX XXXX XXXX XXXX and suffered physical and emotional damage as I was being evicted from my home in 3 days by the purchaser of my home at the county auction in XX/XX/2018. I did not pursue legal action and I was forced to reapply for a loan modification. I sent my mortgage application in but was denied on XX/XX/2018 due to not having a complete package in because of a hardship causing me to be delaying in submitting additional documents. So I in turn sent in a complete package which they acknowledged when I spoke to them on XX/XX/18 to XXXX. I spoke them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 several times. It wasnt until XX/XX/18 that anyone stated Carrington had to have deemed the package complete by XX/XX/18 or they would close my review. I have confirmed on XX/XX/18 that they had the additional documents meeting the deadline of the missing documents letter. Each representative assured me as soon as the package is complete the foreclosure sale date of XX/XX/18 would be postponed. The notice Carrington gave me on XX/XX/18 stating the sale date was XX/XX/18 is in error and even up to XX/XX/18 I was told by Carrington the sale is XX/XX/18 thereby stating I was within 7 days of the sale date which in fact I was not. The sale date on the legal notices is the first Tuesday of XX/XX/2018 which is XX/XX/18. On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 none of these representatives indicated one time that I was near a deadline but rather encouraged me that once my package was complete they would postpone the sale. I demand the foreclosure sale of XX/XX/18 be set aside to address these discrepancies in the mortgage loan servicing of my FHA back loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states
a consumer reporting agency can not furnish an account

without my written instructions. 15 USC 1666B : A creditor may not tr
eat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  changed my pay for a short time from monthly to biweekly which reduced my income monthly. I thought I was being helpful by contacting my mortgage company to let them know that I was trying to find a second job but my payment would be late. They offered me a 3 month plan so I could have time to fix the issue. I did fix the issue since a lawsuit b y 21 states stopped  the  XXXX  problem for now but they did not tell me that this would affect my credit. Not once did someone tell me this or I would have found a second job immediately or some other way to pay it. I called them a month in advance to let them know this was going to happen. I was trying to prevent my credit from being affected. I can not even buy another house now because people see that but they do n't see what really happened. That I lost funds due to the government changing the way I was paid. The fact that I had made all my previous payments early every time until then did not matter. I feel that since I was not made aware that " their plan would negatively affect my credit, it is unfair that I have to suffer for it. I have called and they refuse to remove it. I have disputed it and I was told that there was nothing they could or would do.      21st Mo rtgage,   XX/XX/XXXX ,    XX/XX/XXXX  and  XX/XX/XXXX  is whe n I agreed to the plan. My monthly payment is  XXXX  and out of th e two years th is was the only time I was late. Single mom who was left with all the bills by a   XXXX   XXXX   XXXX     man in   XX/XX/XXXX  and who w as barely making ends meet but I always pay my bills and this is unfair and unjust.
Product: Credit card

I made 2 separate charges on my Citi bank card. One for XXXX and another for XXXX I canceled the purchases within hours of the purchase. The items were never shipped to me and the vendor did not dispute the charges yet Citi bank will not permanently credit my account and are charging me interest
Product: Debt collection

Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.
Product: Checking or savings account

I am a victim of Identity Theft there are seven accounts opened under my name and social security number and Drivers License.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for a credit card with Chase, was approved and received a card, which I have been using. However, I'm not able to get access to my credit card account in order to pay it. When I spoke with Chase credit card services, they transferred me to 6 different people to only tell me that for some reason my name isn't connected to my account ( despite the fact that I applied for the credit card and account with all of my personal info ) and they couldn't explain why. I had previously called Chase bank and they said that I needed to call the credit card services to have them escalate and create a ticket because it was a technical issue. However, after speaking with the sixth person in credit card services ( apparently from their technical team and escalation team ), they refused to create a ticket, wouldn't explain why my name wasn't linked ( even though it's clear it was a technical problem on their end, and then proceeded to hang up on me just because I was asking for clarity and why this was happening ( I wasn't rude nor yelling ). I'm so frustrated. They are the reason there's a problem with my card, and after 2 hours on the phone with them, they still couldn't solve it and hung up on me. I feel like I'm being scammed because I have no way of accessing my account virtually have control. If I go into a Chase bank, they will only waste my time even longer. I even asked the credit services team to provide a written statement of what the issue is and options to solve it so I could bring that with me to the bank and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX XXXX Account Number : XXXX ; XXXX SXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Experian : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 
XXXX XXXX : Differing statuses for the same period. Experian 's report of " Late 180 Days '' conflicts with XXXX and XXXX 's " Late 120 Days. '' Last Reported Date : XXXX and Experian show XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with XXXX showing XX/XX/XXXX, Experian showing XX/XX/XXXX, and XXXX showing XX/XX/XXXX. 
Date of Last Payment : XXXX and Experian list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation.

Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here. 
Requested Resolution : I kindly request that Experian conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Attachments : Payment records demonstrating on-time payments. 
Screenshot of current credit report entries highlighting discrepancies ( attached for reference ). 
Supporting documents related to autopay enrollment. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit, and I noticed fraudulent inquires on multiple consumer report. I did not give consent to the companies listed below to obtain my consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX PD. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX/Experian/XXXX  to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.
Product: Money transfer, virtual currency, or money service

Lack of Response to Wire Recall Requests : Despite notifying Capital One on XX/XX/year>, and following up multiple times for the wire recall, including a Hold Harmless Letter sent on XX/XX/year>, there has been a lack of adequate response and action, making it unnecessarily difficult for me to recover my funds. 

Failure to Comply with XXXX Regulations : Capital One allowed a fraudulent account to be opened, indicating a severe breach of Know Your Customer ( XXXX XXXX regulations. 

Neglect of XXXX XXXX XXXX : As a XXXX with early-stage XXXX XXXX, I am a vulnerable consumer. Capital One 's neglect in assisting me promptly exacerbates the impact of this fraud.
Product: Debt collection

XXXX XXXX credit card used On XX/XX/2016 for vehicle fixing with merchant XXXX XXXX {$1400.00} due to vehicle broke down the same day charges were disputed with XXXX. 
On JXX/XX/2016, XXXX transition into XXXX credit card. XXXX went ahead and paid the merchant without reviewing proper documentation from XXXX XXXX. Since than I communicated with XXXX. 
XXXX offered was installment payment plan instead of taking responsibility of their actions. 
In XX/XX/2016 XXXX sold debt to Midland Funding Even though they collected funds {$250.00} up until XX/XX/2016 through my own research I just discover since I was signed up as auto pay via XXXX  XXXX XXXX. They have paid them money which was in dispute. XXXX needs to take off this negative and false charges from my credit report and stop harassing me. 
Midland Funding has been harassing by filing lawsuit against me and showing up at my residences several times a day. 
Can you intervene? 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely trying to collect a debt that is not mine. 
Bi law they have 30 to inform me before they take negative actions against me I am showing a court document which is public record that I was sent XXXX XXXX XXXX XXXX on XX/XX/XXXX. So all those paper your showing going to a XXXX XXXX fraud. I was sitting in XXXX  since XX/XX/XXXX. And I didnt owe no debt then. I have requested numerous of time for proof what they mail me is two pieces of papers with my name an amount and a XXXX XXXX address .. this company is falsely causing pain and suffering.. I have tried to tell them nimberous of times I have been in XXXX so show me proof and if there was any proof they would have taken civil actions agains me since I was in a XXXX XXXX and could not move. I am a XXXX veteran and these two fraudelent reports are causing me extra hardship that is unlawful and violates the fair report credit act they have no proof of perchisas they didnt timely report me 30 days prior to taking actions agains and lastly they didnt file a civil order before the statue of limitations please remove these negative remarks before I file charges of fraud and before I file a lawsuit against you for messing with my live and causing me suffering
Product: Student loan

Ive been paying on my school loan for a year now of XXXX $ a month a company called XXXX XXXX saying they transfer federal loans to there company an set up a auto payments so I did an I looked at my credit report today it says everything is outstanding with payments but no money is getting deducted so I callled the name an number at the bottom of the school loan report on credit karma an it was MOHELA and they said they have my information but I havent payed anything so now I feel like Ive being paying all these XXXX of dollars to a scam company.. I have screenshots of my credit report too
Product: Checking or savings account

I order a wire transfer from my Bank of America checking account the i founded that I sent the funds to scammers and I came back yo the branch to cancel the wire but they didnt help me out with it