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

I have an account that shows that I owe AtlXXXX  {$210.00} and I do not owe them. This was a prepaid card through self to help build my credit and I had to pay the card to help my credit. Well the account closed XX/XX/scrub> 2022. And it shows that I still have a balance of {$210.00} and late payments when the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts listed on my Transunion credit report, that are a result of identity theft. According to Federal Law, credit reporting agencies have a due diligence when identity theft accounts are reported with all elements as required by law. I reported these items as fraud with accordance to FEDERAL LAW 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and these items are still appearing on my credit report. The following items are : Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Creditor : XXXX Account : XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Please see police report provided with all FCRA 605 requirements. All elements required by law is contained in this request. Remove within 5 days per FCRA I have submitted the following items to the credit reporting agency and they still continue to illegally report these items. You can see all back up documentation attached to this complaint.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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 sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX 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

Our loan rate seems higher than most of my neighbors in my zip code, most of it is going to interest and the principle has not moved. I have held a mortgage with Wells Fargo for over XXXX years and still owe more than the property is worth. My house has been on the market for almost a year, and in order to sell, we have to take a lost because of the payout amount due to Wells Fargo. Your help is appreciated. Thank you.
Product: Mortgage

My home mortgage is held by Wells Fargo Bank. I had been receiving COVID mortgage relief for some time as the result of being XXXX, and later requested Wells Fargo perform a loan modification. I was under the impression my responsibility was to make three consecutive mortgage payments in order to complete the processing of the loan modification. I asked if the payment dates changed, and was advised it had not, but it was reduced to {$930.00}. I made my first and second payment weeks in advance, however I have been receiving incessant nuisance calls and letters reminding me to make a payment, as if I'm late. I advised the last representative not to call me and not only did I receive a call, but a letter demanding close to {$9000.00}, that I was told not to worry about it by Wells Fargo. Wells Fargo is harassing me and traumatizing me. They are making me feel as they have bamboozled me and are attempting to take my home. They are creating a paper trail although I'm making payments.
Product: Debt collection

I received a letter from the New York City Marshals office of a notice of garnishment of wages. The complaint came from Forster & Garber LLP. I contacted both the marshals and the lawyer stating I never had this debt. This debt stems from XXXX of a XXXX XXXX  Credit card. This is something I was unaware. When I questioned this the law firm of Foster & Garber and asked to provide me proof they said documentation was sent but i said never received anything. When asked for proof they failed to provide me any documentation. There is a lapse in time from XXXX interest the XXXX interest. According to the marshals I was contacted in XXXX which was disputed, and nothing came about. Now again contacted again in XXXX no longer able to dispute. I have called the lawyer numerous times to discuss since Monday the XXXX, only called back once. I have only to the XXXX of XXXX to pay this before legal action is taken. I do not know where else to turn.
Product: Debt collection

I have sent certified mail to the company XX/XX/XXXX from US postal service and I also sent another XXXX XX/XX/XXXX demanding investigation asking for proof of agreement between me and these companies with no response or action done. According to 15 U.S.C 1692g after that 5 days of notice delivered debt collectors should send agreement with signatures showing obligation to this company and such report should not be furnish on my credit report per 15 U.S.C 1692k because its unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. So remove these accounts or be held accountable for your actions in a court of competent jurisdiction. REMOVE I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquires on my credit record that was not done by me these are the company 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep receiving emails from the following company regarding another person 's debt. The company has refused to stop emailing me after I notified them I was not that person. 

TSI Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Office Hours : Monday through Thursday  XXXX to XXXX, Friday XXXXXXXX to XXXX, Saturday XXXX to XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

They are inaccurately reporting late payments on my DEPT OF ED/XXXX account for the months of XXXX and XXXX in the year of 2018. I have asked the bureaus the provide me with any evidence suggesting otherwise and they have been unable to do so. At this point they are violating my constitutional credit right provided by the FCRA with inaccurate information and needs to be removed immediately. My next steps are to seek compensation and file a litigation lawsuit for incorrect information. 

XXXX XXXX XXXX XXXX XXXX is not mine and is an error of identity theft. This account needs to be removed immediately from my credit. 

There are also several unauthorized inquiries on my report which I have listed below and also need to be removed immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not a have any contract or anything to do with this collection DEBT RECOVERY SOLUTION on my Equlfax credit report. 
They have not provide me with any info. just reporting knwon medical debet on my credit report. nothing accurate on this collection and iligally harming my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge off/collection/derogatory account on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off/collection/derogatory on my credit report is inaccurate and should be removed immediately. 

I request that TransUnion delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX reported to the three credit agencies that I paid my XXXX, XXXX, and XXXX bills very late. This was not true. ( If you check ALL of my credit history, you will see that I've charged about {$80000.00} a year almost every year for the past four decades and never once paid a bill late or incurred a late fee. I contacted XXXX at the time, we settled the matter, and they said they would report the update, but they haven't. I also contacted Experian to try to get them to get this updated but they didn't respond. This is badly damaging my credit score. Please can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Our mortgage was previously being serviced by Seterus Inc up until about XX/XX/XXXX when the mortgage was transferred to Mr Cooper Mortgage. The problem is during this transfer, I was in the middle of doing a loan modification on my loan. On XX/XX/XXXX I set up 3 payments per Seterus to be ACH drafted from my account XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for the monthly trial payments as per Seterus Inc direction. My first two payments were applied correctly and then the third was not and a portion of the modification payment went into an " unapplied funds '' account with Mr Cooper. Mr Cooper did not keep in place the loan modification agreement that I was already in. Mr Cooper has violated many mortgage lending laws in one reporting me delinquent  during this transfer period and two, they did not and would not honor the modification already in process. They would not allow me to go into another modifcation agreement since they said I did not complete the first one in which I clearly did and have banking records to prove. Mr Cooper stopped my already in place modification not me. I fought with them back and forth throughout XX/XX/XXXX trying to get my already set modification back into place since I had made all of the required payments but Mr Cooper refused any assistance. After 6 months of back and forth I finally paid over  {$49000.00} to bring my loan current and cover between $ 7- $ 8k in fees that Mr Cooper added to my account. I feel that Mr Cooper forced me into having to pay all of these fees as they would not honor the modification alreay approved.
Product: Credit card or prepaid card

I have Southwest Rapid Rewards card ( s ) issued by Chase. Many advertised benefits are offered through More Rewards. These include hotel stays, car rentals, gift cards, merchandise, and international flights. However, the More Rewards website has been " down for maintenance '' for several weeks. When I contacted Southwest, Chase and AwardsHQ ( host of More Rewards ) they all can not provide a timetable for the site to return. TODAY I received a promotional email from Chase touting the benefits of my card ( s ), which includes a link to a listing of these benefits mentioned above. Benefits that are not actually available, which amounts to false advertising. Chase is advertising benefits that are not actually available to cardholders. I'm attaching screenshots for reference.
Product: Credit card

I opened a store line of credit at Discount Tire to purchase tires. The line of credit is through Synchrony Bank. The loan/credit was opened XX/XX/23 in the amount of {$580.00} to be paid off in 4 months with no interest. The loan was paid off XX/XX/23 and the email states that the account is paid in full and account has been closed. 

Starting XX/XX/23, I started receiving monthly emails and letters about my pending payments and account balance. I have tried calling Synchrony Bank to fix this, but I just get passed around to different people and no one seems able to solve this problem.
Product: Debt collection

I received various phone calls from an unknown number beginning XX/XX/2024. During XXXX of the various attempts, a XXXX XXXX who stated he represents XXXX XXXX XXXX claimed he was calling in reference to an outstanding balance for my deceased mother. I did not return his call. No mail was received at my address. The harassing calls continued and I received voicemails stating that they were going to essentially force me to pay. End of XXXX XXXX of XX/XX/2024, XXXX called XXXX husbands phone asking to speak to me. When asking what the call was in reference to, he stated it was because I owed someone money. XXXX then gave him information regarding the debt. He then threatened my husband demanding payment or there will be negative consequences. My husband ended the call. The calls continued and I answered XXXX 's phone call on XX/XX/2024. He stated he was calling for an unpaid debt for my deceased mother. He did not verify any information with me to confirm the account and wanted to know how I intended to pay the debt. I told him the attorney I had previously been working with advised me not to pay said debt as there is no estate. XXXX told me I signed a document making me liable for said debt and that after seeing the paperwork, my attorney would advise me of same. I asked for the documents to be send over to review. I received the documents via email from a representative from the company. They are attached below. While my signature was reflected on the document, I was not the POA at that time. That section appears to have been filled in by someone else. Regardless, I am not liable for said debt. It it clearly defined within the perimeters of the contract. They have not used CFPB approved forms, granted proper service, read the XXXX XXXXXXXX, and have continued to harass/threaten myself and my family for a debt I do not owe. Furthermore, the email with the paperwork stated that the company is based out of Florida and I am located in Indiana ; therefore, I believe there may be come jurisdictional issues as well.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX regarding their report of my XX/XX/year> payment as a late payment. They initially stated the information was accurate but later changed the status to XX/XX/year>. I explained to them that this information is inaccurate and provided bank statements showing the payment was taken out of my account not once, but twice. I contacted XXXX XXXX, and they instructed me to reach out to XXXX XXXX because there was nothing they could do. After speaking to a representative, he mentioned an entirely different bank 's name instead of XXXX XXXX. This is a violation of my rights and goes against law 15 U.S. Code 1666b - Timing of payments.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are not accuarate..
Product: Credit reporting

equifax has my credit report all wrong and is refusing to fix it. Listed in the potentially negative is XXXX accounts that were never paid late. The credit report actually shows paid as agreed but yet they have it listed in potentially negative part of my report. These accounts should be listed in the satisfactory part of my report. Having this incorrect information reporting like this affecting my credit score which in turn is making it difficult for me to obtain credit.
Product: Credit card or prepaid card

I purchased 2 plane tickets thru Chase XXXX that was later cancelled by XXXX. A few months later, I ended up cancelling the credit card. 
Over a year later, I received an email from the Chase advising me of an expiring travel credit. I called Chase inquiring about this but said it was actually already refunded. When I asked for proof of refund, they do not have any records of it anymore since the credit card was cancelled. I then sent a certified letter to the head office in Delaware in late XXXX requesting help. I have not heard back from them since. 
I again receive an email advising me of the expiring {$1500.00} credit within 21 days. I called Chase requesting proof of refund but have not had any success.
Product: Student loan

I was taken off of payment and put on deferment due to an extreme weather issue despite not experiencing any issues. I asked to be removed from deferment to continue making on-time payments but, I did not receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX
Product: Other financial service

I PURCHASED A MONEY ORDER TO PAY MY RENT ON XX/XX/2016. THE MONEY ORDER WAS LOST AFTER i MADE OUT THE MONEY ORDER TO " XXXX XXXX XXXX ''. WHEN THE MONEY ORDER WAS LOST, I MAILED A LETTER WITH COPIES OF THE FRONT OF THE MONEY ORDER AND THE MONEY ORDER RECEIPT TO WESTERN UNION FINANCIAL SERVICES IN XXXX COLORADO. ACCORDING TO THE USPS THAT WAS RECEIVED ON XX/XX/2016. I HAVE CALLED THE CORPORATE OFFICE 3 DIFFERENT TIMES AND I HAVE EMAILED THE REQUIRED DOCUMENTATION, AND I STILL CAN NOT GET A STRAIGHT ANSWER. i AM XXXX, LIVE ALONE AND I AM BEING EVICTED. PLEASE HELP ME.
Product: Mortgage

Been sending XXXX a week since the account first opened and they been applying credit for the last 10 weeks they been keeping my money without applying to the payment or principle not even towards interest. Got a call this morning that i need to pay my mortgage is late 2 month and they advised they received payment but never applied neither sent back to me. After 4 hours on the phone still cant get to accurate numbers and proper help they say they need 16 to 20 days to research
Product: Mortgage

I am tryig to pay this loa off, they have added over {$30000.00} to the payoff. the principal plus {$30000.00}. I have tried to work with them o lowering the amout
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. 

Account Name : XXXX XXXX XXXX  - Account Number : XXXX
Product: Mortgage

I have an FHA loan and it was sold without my ok to Ocwen- the worse company I ever encountered. I feel 2 months behind due to fianacial difficulties. They claim they will help you and work with you, they do not. I tried for a loan modification 3 times, and every time they come up with a way that it can not be processed- 'We need more information ' 'We need this to be filled out ' 'We need new paystubs as this is time sensitive information and the paystubs are out dated now ' 'we need a new year to date ' 'we need a letter from your employer ' on and on their excuses went so 3 times I applied and 3 times it never went through. I asked them to extend the loan 'we can not do that ' I ask for a forbearance -which in their letter is 'temporary reduction or suspension of payments, or the ability to make regular monthly payments without contributing toward past due amounts ' We asked for a repayment plan- they wanted {$470.00} in a week - I said where I am supposed to get that amount in a week- they then said if you can not pay it in a week then you can not do the repayment plan. They also keep sending letters and charging us for them- if they are sending them they should be paying them not me- They are charging me {$140.00} for all these letters they keep sending. They are charging me {$510.00} in late fees- Why ca n't late fees be dropped the letter fees be dropped and give us a payment plan with so much extra per month for the 2 months I an behind. They are threatening me to foreclose on me. I make my regular monthly payments I just fell 2 months behind and with other bills- car, car insurance, health insurance, lights, garbage, sewer, water, credit cards, food, oil, gas etc that I can not get the XXXX payments caught up. Why ca n't they extend the loan 2 months- it is a 30 year loan and instead of maturing in XXXX of the XXXX year extend it to XXXX? They can easily do that and then that would make us caught up with out payments and note be late Please I need help. They also have raised the minimum payment numerous times- I started paying XXXX per month they have it up to XXXX per month. I know interest rates have gone down- I have a fixed FHA at XXXX. Why ca n't they refinace the FHA and bring the rate down
Product: Credit card

I refinanced my home and the title company sent a cashiers check to Barclays to pay off my total balance of over {$9000.00}. The check was sent on XX/XX/year> and they indeed received the check. Barclays cashed the check on XX/XX/year>. Barclays has refused to update my account balance and are continuing to charge me interest. They have stolen over {$9000.00} and are claiming that I never made a payment. The title company provided me a copy of the check they sent and confirmed that Barclays deposited my payment on XX/XX/year>. I am in desperate need of help. Their customer service is not helping me.