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

Experian and XXXX are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased 2 {$100.00}. gift cards in the amount of {$200.00}. at XXXX XXXX  in XXXX, XXXX with my BJS credit card. When I received my credit statement, I noticed the amount and called to tell them that I had not made that purchase. They immediately told me that they would cancel my credit card and issue a new one. After 2 days I realized that I had actually made the purchase and called the company back to notify them that I had made a mistake but they had already sent the new card. I paid the amount which included the {$200.00} in full on XX/XX/XXXX. When I received my XXXX bill, they had transferred the {$200.00} to the new account,. so I paid it again. Then on XXXX when I received my bill .... it stated the the {$200.00} was paid. On the XXXX statement, they transferred this amount to the new card stating it was a " balance transfer ''. Since I have already paid this amount twice and have contacted the credit card company COMENITY BANK .nine times with my complaint but to no avail, I am turning to you for help because again they are telling me I owe them.this amount. I refuse to pay it a 3rd time. I have requested documentation from this bank supporting their claim which to this point have not sent me. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Debt collection

Keeps leaving threatening messages for my half-brother who I have never lived with or shared any type of an account with.
Product: Debt collection

I received a copy of my credit file and discovered this account on there stating that I owed them {$160.00}. I have no knowledge of this account. We have no contract.
Product: Prepaid card

Ive tried to contact customer service theres no one to get a hold of its just an automated system and I cant use this XXXX} gift card. I got anywhere its an American Express gift card. I put it in my digital wallet I cant use it for anything.
Product: Mortgage

I have a loan with XXXX XXXX, loan number : XXXX. 
I'm in the process of refinance, and requests a payoff quote. 
I have spend a whole week and talked with the customer services couple times. However, they never come back with a payoff quote.
Product: Credit card

Before my mother passed away her name was XXXX XXXX XXXX she put a XXXX XXXXXXXX credit card in my name without my consent it is now closed and is in collections to Midland Credit management.
Product: Credit reporting or other personal consumer reports

This company alleged that once I paid the two following collections, they would remove these from my credit report. Both collections were paid in full. I have call on several occasions to see why these have not been removed. They stated they do not do pay to deletes. However, I asked if they could pull the call where it was told to me that these would be removed once paid and the person on the other line engaged in false practices by clearly lying just to hit a certain metric of payments. 

I demand that this account be removed from my credit report, or I will seek legal matter in regards to false claims and deceptive practices. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. 
The original creditor is XXXX XXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. 
The original creditor is XXXX XXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit reporting or other personal consumer reports

In XXXX I had an account they gave my Social Security number and my account number the public They never closed my account. I dont know what ended up happening with it
Product: Mortgage

On XX/XX/18, it was noted that our account had an escrow surplus. I initially reached out to the company on XX/XX/2018 to inquire what kind of steps we needed to get this check. They stated it should have been in the mail and that we needed to wait. I reached out again on XX/XX/18 because we had not received the payment, so they offered to send out another check, but it would take at least 10 business days for this to occur. According to the account, they sent another check on XX/XX/18. We received the check on XX/XX/18. I deposited it on XX/XX/18. 2 days later on XX/XX/18, it was noted that the check was returned by my banking institution. I reached out to freedom mortgage and spoke with a supervisor and was told that they could not resolve this issue at that time and that it would take time to get to the root cause of why the check was not able to be processed. I called my bank to inquire what the reason for the return was, they stated there was a stop payment placed on the check. I called back to Freedom mortgage to relay this information and asked to speak to the supervisor again, and he was conveniently unavailable, but they made a note of this discovery, along with the check number on my file.
Product: Credit card or prepaid card

" Earn  XXXX  points '' after you spend {$2000.00} in purchases with the card in the first 3 month from account opening ''.   I opened my  XXXX  Credit Card with Chase bank in  XXXX     2016  and spent well over {$2000.00} in the first 3 months, however was not credited with the promised  XXXX   XXXX  points! I applied via a email link with invitation code for that offer.  Chase instead just gave me  XXXX  free nights which is only 40 % of the value of  XXXX  points.
Product: Credit reporting

See the attachment of all the FCRA violations by this company, XXXX. I verified through a phone call this morning ( XXXX/XXXX/15 at XXXX XXXX XXXX that our account is and has not been past due yet they are reporting it as such. They are also reporting 2 times which is double the negative impact on my credit. They are reporting the account as CLOSED but it 's an active open mortgage? I hope you can look into the practices being observed by this company and help them to understand what the rules are.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been made aware that Equifax is reporting my account as being two months past due when my account is current. I would like them to update my Equifax account to show that it is current. The amount owed, payment and being past due are all wrong.
Product: Debt collection

No contract to confirm the debt and verify the legal obligation of the amount owed. This company states a debt that has not been confirmed and needs to be removed from credit.
Product: Payday loan, title loan, or personal loan

I applied for the loan XX/XX/2020 $ XXXX {$25.00} interest+ {$75.00} processing had just had XXXX. Asked the processor about payments and interest rate was quoted wrong rate .08192 % his answer was he didn't have a calculator. Made scheduled payment of {$150.00} XX/XX/2020 and another {$100.00} XX/XX/2020. Principle balance on line showed as {$350.00}. On XX/XX/2020 he interest rate changed and they reduced my line of credit. Called on XX/XX/2020 agent stated rate as .08192 % no calculator, no accounting department and no supervisor. According to Virginia statutes the interest rate applied is usury and 10 % is the cap. On XX/XX/2020 I paid $ XXXX {$35.00} interest and informed CashnetUSA that acceptance of my payment acknowledged payment in full. I contacted the XXXX and Cashnetusa stated I had no account. I have received calls, emails and a letter. I am unemployed because of Covid19 and at high risk XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a NFCU representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.
Product: Mortgage

we applied for a FHA mortgage. We are concerned the appraiser is not a fha certified appraiser. We are also concerned the loan company LiveWell Financial is some kind of scam based on XXXX complaints we read online. After the appraisal they would not answer our calls and we obtained our appraisal after considerable effort on our part almost XXXX month later. The appraisal was 75 % less than we hoped.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX, Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) Inquiry : ( XXXX XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity XXXX  Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I contacted the Court and their response is that they DO NOTprovide any information to credit reporting agencies. 
If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have providedme letters that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
It is CLEAR that theBankruptcy Courts DO NOT report to any Credit Bureau, therefore the intital response Verifying the item with the Court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY withFCRA 611 ( 15 U.S.C. 1681I ) and the information MUST BE DELETED IMMEDIATELY. 
The Bankruptcy Courts have confirmed in the attached letters of their proceedures that they DO NOT report to the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I have already sent a method to Verification to the Credit Bureaus asking them to Verify the debt and they have already stated the the item was Verified. 

Verify Account Bankruptcy Account Number : XXXX Please investigate and delete from my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 


Name of Account - Bankruptcy Account Number - XXXX The Account also has multiple inconsistencies ( INCONSISTENT REF NUMBER AND NO CLOSING DATE ) ( COURT JURISDICTION DISCREPANCY )
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX I looked at my experian credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information Concerning the individual about the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX XXXX Mastercard ( card ending in XXXX ) balance in full in XX/XX/2018. I noticed charges on my account afterwards and I contacted XXXX XXXX to dispute the charges. XXXX XXXX closed my account ending in XXXX and mailed me a new card ending in XXXX. I wasn't using the new card and did not receive notifications as I had set up under the card ending in XXXX. Nor did I receive a statement from XXXX XXXX regarding showing I had a balance on the account ending in XXXX. XXXX XXXX started reporting I had missed a payment on my credit card in XX/XX/2018. This is the first time I became aware of this. I've been contacting XXXX XXXX since XXXX and to no avail has this issue been resolved. They told me I had a balance that carried over from my previous card ending in XXXX which I know isn't true but customer care isn't able to see what those charges are. I was transferred to Fraud Investigations twice and still this isn't resolved. I'm in the middle of buying a home and because of this derogatory mark on my credit I've already had another creditor drop my credit card limit from {$7700.00} down to XXXX. In addition, XXXX XXXX   XXXX dropped my Mastercard credit limit from {$2400.00} down to {$200.00}. This is my final attempt to rectify this issue before I pursue legal action. Fair Credit Reporting is not being done on my behalf and there should be a special process when Fraud has happened on an account so that it doesn't impact other credit cards. I close on XX/XX/XXXX and if I'm not able to close my loan due to this issue I will be pursuing legal action. 

Thank you!
Product: Mortgage

A couple of months ago we applied for a refinance through a loan company. Everything went through as expected until we were told they saw we had a HELOC attached to our home. We were confused as we were not aware we had a HELOC attached to our personal home. We do, in fact, have a HELOC but it was taken out years ago from a bank that was purchased by M & T. That HELOC was taken out against our corporation at the time, XXXX XXXX XXXX XXXX That HELOC was to have been attached to a corporation at the time. Unbeknownst to us, M & T attached that HELOC to our home and never notified us. No documentation was ever received stating they did so. Therefore, the loan company needed documentation from us stating the HELOC was paid in a timely basis and we provided that to them. However, when the loan company contacted M & T for signed authorization from them stating they are ok with staying in second lien position, M & T could not verify or confirm that we have a HELOC with them. They told the loan company we do not exist in their system and can not provide any information on our HELOC. Therefore, the loan company withdrew our loan and told us to try and figure out what is going on with M & T before reapplying.

We then visited the branch near us and spoke to the Assistant Vice President. He tried to help, but could not get the HELOC department to work with him as they had no information. We then called the HELOC department numerous times to verify our information only to be told the following : you do not have a loan with us ; your loan was sold and we do not know who has it ; you have no record in our system ; we do not know who you are in our system ; we do not have any record of you paying monthly as you are not in our system. It appears we have been receiving statements for approximately 13 years from M & T and making timely monthly payments and they have no record of it. It has gotten to the point when we call we are placed on hold and they never get back on the phone to help us. One day we were on hold for over an hour when we decided to hang up. 
We do not know who else to turn to for assistance. We are at a standstill with M & T and can not go anywhere from here as they can not and will not help us. 
We are begging that someone please help us with this situation. 
We would like to know where the payments are being applied that are being made monthly. 
We also want this HELOC that is attached to our personal home removed as it has nothing to do with our personal loan. When this loan was taken out, it was taken out under a corporation we had at the time and not our personal home. 
We are desperate to have this matter rectified as the loan company withdrew our loan because of M & T and we can not go to another lender as M & T needs to correct their records. M & T has cost us a loan that would be saving us hundreds of dollars a month. Because of their negligence and carelessness we now have a situation they created that they refuse to help us with.
Product: Credit card or prepaid card

On XX/XX/2021 I made a cash advance transaction at XXXX XXXX in California in the amount {$2300.00}. Bank of America charged me a CASH EQUIVALENT - TRANSACTION FEE OF {$120.00} on top of the fee that the hotel already charge me. This caught me by surprise because Bank of America never listed this cash advance fee in their monthly statement sent to me. When I called them, the supervisor said that it was on my disclosure which was not even listed in all of the documents that i can look up in my online account. Bank of America has not done their due diligent of being transparent to the customers about their fee. They need to be put on notice.
Product: Debt collection

I have previously disputed the debt, requested validation of the debt from the company, and filed complaints regarding debt collectors attempting to collect money I do not owe. They seized communication, and now they're trying to contact me again for {$280.00}, which I do not owe.
Product: Mortgage

Hello I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was referred a loan from another XXXX XXXX from Georgia. The loan officer name is XXXX XXXX and her nmls id is XXXX. 
XXXX referred me a loan for XXXX XXXX - property address XXXX XXXX XXXX XXXX XXXX GA. This was a purchase loan. I got the loan approved and we closed the loan. After a month I get a letter from attorney for XXXX XXXX  stating the loan had fraud bank statements and XXXX bank verified that the statements and the details/deposits did not belong to the borrower. 
The borrower couldnt understand English and XXXX was helping us communicate as the translator over the phone. All documents provided were through XXXX email. 
The bank asked me to refinance the loan but they cut all the ties with me. XXXX was the main lender I was working with. The borrower or the loan officer provided fraud documents to close this loan and I have ruined my relationship with the lender as I was cut off from doing business with them. I have all the proof that I did not do any fraud and I have all the chain of emails. The details on the bank statements were done so perfectly that I couldnt rectify as those were fraud, I want to report this against the loan officer and the borrower. I wasnt sure who did it but I want to report this so things like this doesnt happen in future with others.