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

I opened an account with Compass Bank in 2018 for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXXXXXX BalancedOwed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$100.00}
Product: Debt collection

I attempted to contact company several times to attempt to settle the debt since i was no longer able to make payments due to XXXX. I made payments based on what i could afford until i was not able to make payments when corona hit. I talked to several different reps who told me that I could not settle and make payments until it was down until i could pay off. The company is very rude provide inaccurate information from rep tp rep and calls 5 times out the day and when i answer the reps always hang up. My contacted company on XX/XX/2020 and advised that i previously requested for a settlement that i could pay for about 2 months and then pay off in which the rep agreed and told me she could not send me nothing in writing but to log onto account and it would be there, I checked the account several days before attempting to contact company again just to find out the information given was inaccurate again and that i could settle but i have to pay upfront and that my account do not qualify to settle and make payment for 2 months and then pay remaining balance I asked for proof in the contract where it stated that ( in which i didn't get ) it does not state that in the contract. The rep told me that the account has to accrue more interest before i could settle and make payments. I find that rip off and hideous and is not disclosed upfront. I just want to settle for the XXXX and make payments for 2 months and payoff
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

None of the information showing on my consumer report is correct and the company refuses to correct after many disputes through the CR agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Third party collection agency attempting to obtain payment of debt that was charged off by XXXX XXXX and cancelled with the issuance of a IRS 1099c filing. This account is no longer valid and can not be reported on my consumer report. It is in violation of FCRA laws.
Product: Credit reporting or other personal consumer reports

This information does not belong to me and it may be causing me problems. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Bank of America is not crediting my HELOC payments although I have sent the payments of {$570.00} on XX/XX/2023 and {$310.00} on XX/XX/2023, which is properly applied would mean I was current. When they called me threatening foreclosure for nonpayment last month, after I gave proof, BoA informed me that it had located the funds placed into the wrong account and that BoA would return the payments to my checking account so I could make the payments to the correct ( according to them ) account. Please know that I have had this HELCO with Bo for over a decade of years and have made my payments each month to the same account. Because my bank was recently sold to a new bank in XX/XX/2023 and thought the transfer of my accounts to the new bank was part of the problem ; I was willing to cut BoA some slack and waited patiently for the return of my funds. However, as of today I have not seen the funds returned to my checking account So, when BoA called me today informing me that it has placed my home in foreclosure because its records show I have missed 3 payments ; I got really piss-off. 

BoA has my funds and is using the excuse that it went to the wrong account to start the foreclosure process to take my home. Also, my credit score has declined by XXXX points due to BOA 's negative reporting.
Product: Checking or savings account

I filed a dispute on Chime Bank ( XXXX  ) on XX/XX/2020 at XXXX onwards after that I got an email from on the same day that my dispute case was closed and there was no error at my end and they couldnt provide any credit to my account. as far as i know that the investigation takes 90 days but to qualify for the provisional credit they should investigate atleast 10 business days. I lost $ XXXX in unauthorized charge on my account and they just dumped my case like nothing.
Product: Debt collection

I had a account with Synchrony Car Care for a gas card, I had stop using their card for about a month and they closed the account and it affected my credit score and claims that I owe them money I had sent them a debt validation letter and they did not respond after 30 days. By law since they did not reply this item must be removed from my credit report. Attached is the proof of the certified mail sent to them, the first request of debt validation sent and affidavit of truth that was sent on XX/XX/2021 listing violation made by Synchrony Car Care. Please have this removed from my report.
Product: Checking or savings account

I dealt with a nightmare scenario when a fired employee of my company got a hold of a check in the mail for my business XXXX XXXX  XXXX and endorsed the back of the check with his own name and deposited the check through the Wells Fargo ATM drive thru and without veriying or doing any due diligence, this crooked bank allowed the full funds of the check to go through to his account, when was never on the account and the check was my business name. I talked to several branch managers, filed over XXXX check return claims, completed several breach of warranty paperwork and they still refused to return my money to me, nor take the money from that criminal 's account or close down his account. Plus I filed a mediation request and nobody ever contact me or followed up on this mediation request. 

It was not until I hired an attorney and going to file suit in court, did they finally return the money not to myself but to the issuing bank that issued the cashier check, which was XXXX. The check was for the amount of {$10000.00}. Check # XXXX, issued on XX/XX/22 and deposited on XX/XX/22. The criminal who falsely endorsed the check now has felony warrants for his arrest. His name is XXXX XXXX and he also had a wells fargo acccount as well and the sequence number for the check deposit was # XXXX. 

I would like to make a formal complaint for illegally allowing the funds to be made permanent to someone in an erroneous error and they made no attempt whatsoever to correct their mistake and nearly a dozen managers and claim representatives told me I would be refunded my money back to my account and made me go through endless hoops and claim filings only to lie and waste my time and kept the error in favor of the person who illegally deposited the check because of their own negligence. 

I have enclosed all documents supporting my case and statements.
Product: Consumer Loan

I applied and received a boat loan though key bank in XX/XX/XXXX and it was for 15 years or XXXX payments.Over that period I received promotional correspondence of a skip a payment promotion which I took advantage of XXXX different times. How it worked was i would send Key Bank XXXX dollars and they would hold that payment and add it to the end of the loan term, which in essence would make it a XXXX payment loan as Key Bank describes it.My final payment was due this past XXXX, which i have n't paid as of yet, Because in XX/XX/XXXX Key Bank contacted me that my final payment which i thought would been the same as the other XXXX payments of XXXX dollars was going to be in excess of XXXX dollars because I took advantage of the promotional skip a payment program, which they claim those XXXX payments had been accruing interest from the time i skipped those payments.Now I do have XXXX of these promotional letters with the mail in coupon at the bottom this promotion did not take advantage of at the time, also will attempt forward it to you in my documentation. This to me is DECEITFUL and not a promotion and consumers including myself should be aware of these slight of hand practices ... .Please help me with this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCOUNT XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Product: Debt collection

Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which are concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. 

THIS WAS ALREADY REPORTED TO THE CFPB AND REMOVED ONCE BEFORE. THE COMPANY REFUSES TO STOP HARRASSING ME FOR A DEBIT THAT DOES NOT BELONG TO ME,
Product: Credit reporting, credit repair services, or other personal consumer reports

Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.
Product: Credit reporting or other personal consumer reports

Some one used my identity and charge fraudulent charges and fraudulent inquiries
Product: Debt collection

XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.
Product: Checking or savings account

I have written an email requesting my lawsuit award from Wells Fargo and the email site that was provided by the Wells Wargo  site does not answer. This was not followed up. Wells Fargo is accountable and is holding my settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts not mine, sent a Identity affidavit.
Product: Debt collection

Failed to verify debt. HIPPA rights have been violated I did not authorize or sign a hippa form to access my medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

After denial of an new home around the beginning of XX/XX/2023 I learned that my credit report had fraudulent accounts and incorrect information all over my credit report It really had me shocked and sad because after my brother recently passed away I wanted to get away and start fresh to many memories in my home town all this incorrect information stopped my XXXX boys and me for being able to obtain housing which left me back in forth in hotels I had to come back and live with my mom with XXXX kids in a 1 bedroom apartment all because the credit buruoes are reporting fraudulent accounts and wrong information after I tried to get this fixed with the credit bureaus on XX/XX/2023 and and they did not help me remove the accounts nor did they do a proper investigation I start doing my research on credit and I found under the ftra it most be deleted out all 3 credit bureous were breaking the law and that 603 - 15 U.S.C. 1681a
Product: Consumer Loan

The bank continues to ignore my requests to access my loan and make timely payments. They will not call or email me back although I have requested it several times. I need to be able to access my loan information and make payments before late fees are accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mutual of Omaha Mortgage , Inc. deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage Loan had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. Mutual of Omaha Mortgage , Inc stated that they would make sure that our credit rating was going to be affected. Our problem with Mutual of Omaha Mortgage , Inc did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged twice for a payday loan. It's been a week without any resolvement. It has taken XXXX charges out of bank account with nothing being noted on the app. The company acknowledges that I was charged twice but I still have no access to the money I desperately need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to conduct a reasonable investigation to ensure the " Maximum Possible Accuracy ''. Credit Reporting Agencies are not supposed to merely " Parrot '' what a data furnisher has provided, but to conduct an independent investigation to ensure that the information reported by the data furnisher is inaccurate and complete. I reviewed a current Experian Credit report ( # XXXX ) and it is evident that a reasonable investigation has not been conducted, but e-Oscar had been used to verify that the account is reporting accurate. So, I ' am providing evidence that the account could not be accurate or complete. 

My understanding is that the Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. Please, tell me how you verified this account to be accurate and complete, and who it is that you verified it with. This is reported as charged off account and transferred/sold to THE BEST SERVICE COMPANY ( Account # XXXX ). However, XXXX XXXX XXXX XXXX XXXX and account # XXXX is still reporting a current balance and past due balance on the account. This is evidence that a reasonable investigation has not been conducted to ensure the MAXIMUM POSSIBLE ACCURACY. Im providing you a copy of my recent credit report and see that you are reporting inaccurate and incomplete information according your industry standards. To make it easier for you to I have drew circles and numbered the areas of focus. Im also, including the Metro 2 2020 guide information that I was able to find on line so that you will know exactly how the account is supposed to be reporting. 
Field 7- Consumer Account is incomplete. This account has been truncated ( XXXX .... ) and is in non-compliance. There should be no special characteristics, only the number as furnished by the data furnisher. 
Field 21- Current Balance is inaccurate, because a charged-off account can not have a current balance once the account has been transferred or sold Field 22- Past Due is inaccurate, because a charged-off account can not have a past due amount once it has been transferred or sold. 
Field 25-Date of First Delinquency is incomplete, because it is not being reported on this report. THIS IS OUT OF COMPLIANCE A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action, shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Field 26- Date Closed is incomplete, because it is not being reported. 
Field 27- Date of last payment is incomplete, because it is not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document stating why this late payment should be removed and updated on my consumer report. This clearly did no verification before slapping this erroneous late payment onto my cunsumer report damaging my credibility and reputation in the eyes of other creditors. My consumer rights have been violated and I want this wrong to be made right before further legal action to clear my name is taken.