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

I have tried everything that I know how to do correctly, Still, XXXX, XXXX and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( M & T Bank ) I'M trying to get a better job & place to live but they, ( XXXX ) ( XXXX ) ( XXXX ) NOR ( M & T BANK ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Product: Mortgage

My husband an I have tried 4 times to receive a loan modification with Welles Fargo for our mortgage. Twice they told our attorney that they did not receive XXXX packages of documents sent through certified mail and XXXX XXXX. On our third attempt they claimed the same thing and then on our last attempt they denied us. This started at the end of XX/XX/XXXX and ended at the end of XX/XX/XXXX. My husband experienced a very serious XXXX XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX. This placed an enormous amount of pressure on us financially which is why we applied for the loan modification. Welles Fargo were both delinquent and negligent in the handling of our request. They have also charged off our second mortgage so it has been difficult for us to refinance.We are working with a mortgage specialist to try to fix this, however we feel it is important to file this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND CHASE BANK AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECOGNIZE THE INFORMATION FROM DT CREDIT ... IT WASNT ME..PLEASE REMOVE INQUIRIES ... DATE IS XX/XX/2020 ... AND XX/XX/2020 XX/XX/2020
Product: Mortgage

Good morning. My name is XXXX XXXX and my phone # is XXXX. 
I have tried to unsuccessfully to reach my mortgage company since I have been out of work due to my state being shut down. I wanted to discuss options for some kind of temporary relief since I no longer have employment income. The phones are impossible and I was disconnected after holding for 59 minutes. This was my third attempt. I'm not sure if they hung up or my phone dropped the call. Their website has an option to submit a request for relief, but nothing works. There are tabs for forms to be completed but none of them work. They redirect you to the home page. Same result when I click on the tab to upload documents like bank statements. The only function that works is to look up statements and make payments. This company has made it impossible to reach them and to complete the necessary forms for relief. I am convinced that they're purposely avoiding their responsibility to the customers by setting up a system that does not work. My mortgage company is NewRez but seem to have a DBA of Shellpoint Partners. Phone - XXXX. Their address is XXXX XXXX XXXX XXXX Oh XXXX. Thank you in advance for your help. Have a great day and be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information  directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

I have a Health savings account with Optum financial. For the past 2 weeks, I have been unable to access my account ; it keeps asking me to reset my password which I do and it is in this perpetual cycle and never lets me in. I have contacted Optum and had a case created ( # XXXX ) and they subsequently closed it, without addressing the problem. I was on the phone today with technical assistance for 45 mintues XX/XX/23 and they are unable to resolve it. I have been sent a link to reset the password, only to get an error message from the company. Something is clearly broken and not working at this company. They can't resolve this matter and I don't know what else to do. 

I am unable to submit claims to access my own funds. 

I have no issues with accessing my financial information with any other bank and credit card company. 

Please help me get access to my own funds. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However transunion refused to provide me with my rights as a consumer a method of verification. I then recorded a call with transunion on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which transunion did not reinvestigate, they just sent me the previous investigations results. Transunion has broken several FCRA violations. Transunion did not submit nor forward any of my documentary proof to any furnisher because XXXX technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell XXXXnformation data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Transunion NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights.
Product: Mortgage

I change homeowners insurance and I paid them in full. I call Wells Fargo and ask them to take this portion of my mortgage out, since it was paid in full. I wanted them to recalculate my mortgage payment. They said no because I had a thirty day late on my credit. Heres the problem when COVID hit they offered a three month forbearance. I did the three months and when it was over I resumed my payments. They said because of that I was thirty days late.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Recently I complained about XXXX XXXX XXXX wrongly reporting an issue that has been solved years ago, so I contacted this office, after the investigation XXXX XXXX corrected my credit information, thus my credit score, Equifax did the same, but few days latter Equifax went back to the old numbers, saying that they are still investigating.My question is, if XXXX XXXX accepted my explanation and their investigation proved that I was right, how come Equifax is not accepting the same explanation, more over, correcting my score then rolling back again.Please help. Thank you.PS. I do n't know how to attach documents, such as letter from XXXX XXXX, unless I can mail it.
Product: Credit reporting or other personal consumer reports

I look at my report XX/XX/XXXX and I noticed sum things are incomplete and not accurate I sent a letter too eqifax on XX/XX/year> and asked them too investigate the completeness and accuracy I received the results and noticed they did not fix nothing there are breaking federal laws according to 15 use 1681 it states accurate of reporting whenever a consumer resorting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 use 168 it also states this treatment of inaccurate are unverifiable information in general if after any reinvestigation under paragraph of any information dispute by a consumer an item of the information is found to be inaccurate are incomplete
Product: Student loan

My student loans were originally around {$210.00} a month. I filled out some paperwork to look at an Income Driven Repayment plan and this raised my monthly payment to around {$410.00} a month. This was way too high for my monthly payment so I requested to have my payments returned to the standard loan payment of around {$210.00} a month. I was notified by the company ( Aidvantage ) that I would be placed in administrative forbearance until XX/XX/XXXX and that my payments would resume XX/XX/XXXX. During this time they took out an auto payment on XX/XX/XXXX even though I was in forbearance. They admitted fault and refunded the payment, but then said that I was late this payment even though I was in forebarance and payment weren't supposed to begin until XX/XX/XXXX. I kept contacting Aidvantage and their customer service but they kept sending back responses that my account was under review ( XX/XX/year>, XXXX ). They finally responded back today ( XXXX ) and stated that my account will remain past due because of the refund that I recieved. However, I was to be in forbearance until XX/XX/XXXX and payments were not supposed to begin until XX/XX/XXXX. I have not missed a payment since this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see repetitive 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late with payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year> I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX credit card applications were were attempted to be opened in my name without my knowledge. I was able to block my credit report before the third was attempted on XX/XX/XXXX.
Product: Debt collection

Collection agency is calling repeatedly to my work, including calls to my supervisor.
Product: Credit card or prepaid card

This is with respect to interest fees in the amount of XXXX XXXX  and XXXX XXXX XXXX ( {$8.00} ) incurred on my CapitalOne Savor card account on XX/XX/XXXX. I have contacted the business concerning these fees after multiple issues with being able to pay my credit card monthly due to issues with the institution 's mobile app and website. I called into the bank with complaints of technical issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. The bank admitted to its knowledge of such technicalities with its mobile app and payment processing functions, but refused to reverse the interest fees because it had done so previously. I have a longstanding relationship with this bank, and am shocked at its response.
Product: Debt collection

I checked my credit score via XXXX  and there are two accounts in collections from XXXX XXXX XXXX. It appears the debts were send to collection to Wakefield & Associates ( XXXX XXXX XXXX, XXXX TN XXXX ) One is for {$320.00} from XX/XX/2014 and the other is for {$900.00} from XX/XX/2014. 
I never received any bills or communication from XXXX XXXX XXXX or from Wakefield & Associates. The two accounts in collections have negatively affected my credit score. I don't recall ever using XXXX XXXX XXXX for medical services and I certainly did not receive any bills or calls about any debts.

I want the accounts in collections removed from my credit record. 
Thank you.
Product: Credit reporting

Applying for credit to buy a newer auto just this past Friday, the credit union rep on the other side of the desk told me everything was good except for a tax lien showing on my credit report. I immediately went to my county courthouse to investigate this item to find that this tax lien had been released and got XXXX copies of the XXXX pages before saying several thank yous. XXXX copy went back to my credit union rep and came home to scan the pages onto my computer to be attached to this dispute form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over certified mail on XX/XX/XXXX requesting documentation about this collection debt ( {$120.00} ) showing inaccurately on all 3 of my credit reports from Southwest Credit. It should not be on there at all and looks bad on my part as a consumer. They responded back with a generated letter ( within 30 days ) showing I owe {$120.00}. In return, I sent them another certified letter on XX/XX/XXXX ( which they received on XX/XX/XXXX@  XXXX ) showing that I do not owe them anything that came directly from XXXX XXXXXXXX XXXX. On XX/XX/XXXX, they sent me back the same generated letter they sent out before showing I owe {$120.00}. If what I sent over was actually looked at thoroughly ( proof ) and confirmed, then they would not be reporting false information. My documentation, as mentioned, shows that this information is inaccurate and needs to be resolved asap.
Product: Credit reporting or other personal consumer reports

I did not authorize 700CRXXXX XXXX to run my credit. 
I did not authorize XXXXXXXX XXXX XXXXXXXX To run my credit.
Product: Credit reporting or other personal consumer reports

Capital One charged my account off. I have not received a 1099-C from the company as this is now written off by Capital One and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company Capital One as well as the three major credit bureaus. XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX and Equifax to address fraudulent information on my credit report due to identity theft. I provided all required documentation, including my drivers license, proof of address, an FTC Identity Theft Report, and my dispute letters. Despite this, XXXX sent me an email claiming they couldnt place a security freeze because I didnt provide proof of identity, which is false. Equifax also mailed me a letter claiming they are unable locate a file for me in their database. However, both companies have processed some disputes and made corrections using the same documents they now claim I didnt send. This inconsistency is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, both XXXX and Equifax are required to investigate disputes, process accurate information, and honor valid requests for security freezes. Their mishandling of my disputes is causing unnecessary stress and delaying the resolution of identity theft issues on my report. 

I am a busy mom and in the process of moving with my XXXXXX/XX/XXXX and its cold outside. I dont have time to deal with this negligence. Their actions are playing games with my livelihood, and its not fair how theyre treating people. I need them to follow the law and fix this situation..
Product: Credit card

After my previous complaint American Express decreased my credit limit. They said they do a " periodic review '' of customers credit report to make the determination. I have been a member for 15 years, and have not missed any payments. I pay the account on time or before the due date. 

I checked my credit report and there is nothing on there that is delinquent.
Product: Student loan

I took out 2 student loans with XXXX XXXX that were relatively low. About {$6000.00} for each. A few years later XXXX XXXX turned into XXXX and they said I took out loans for XXXX each from XXXX XXXX. They did not have my correct address, or even the school I went to. XXXX stated that they sold the loans to a collection Agency called EOS CCA but that company had " gave the loans back to XXXX ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that XXXX had closed the account. Now they are trying to collect XXXX from me. EOS is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.
Product: Credit card

On XX/XX/XXXX, I ordered {$1700.00} worth of clothes from XXXX XXXX  to my apartment in XXXX, Texas. I made the purchase on my Citibank credit card ( XXXX ) The clothes were delivered in several different packages to the apartment complex while I was out of town, and they typically have to go through the apartment complex 's maangement before then being delivered to the inidivudal units. When I returned to XXXX, none of the packages were to be found. I am assuming they were stolen. Citi bank protects for stolen packages, so in XXXX ( XXXX ) I raised my first fraud case for the full amount with the dispute center. Since the packages were sent separately, I ended up getting charged by the merchant seprately for each packages, so I had to raise XXXX separate disputes for all the packages. 

After speaking to the dispute center, they credited me for XXXX of the cases ( {$230.00} and {$53.00} ). As of today, XX/XX/XXXX, over 2 years later they have yet to credit me for the majority of this purchase, despite me never receiving the product. They have sent me messages telling me the disputes were resolved and that they would not be crediting me. I have called them over XXXX times and, per their request, sent several letters requesting that the disputes are re-opened. I spoke with several representatives from the dispute center, including a woman named XXXX, over the past XXXX years, and they constantoly reassured me that they were fighting this case with XXXX XXXX, who has refused the entire time to refund me as they were able to show proof the items were delivered to my apartment complex. At this point, for ease, I have been focusing on getting credited for the dispute case of the highest value, {$1000.00}, number XXXX. 

I called customer service today for an update, and they told me they can no longer locate the dispute due to the amount of time that has lapsed since the initial request. They did not take into account any of out interactions between then and now.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block.in ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving accounts vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was quoting car insurance, and my rates increased because my LexisNexis report ( Ref XXXX ) now shows a Comprehensive Claim of {$1000.00} or less on XX/XX/year>, listed on XXXX. This is incorrect, as I have never submitted a claim to any insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a debt from XXXX  XXXX on my credit report and I have requested verification of the debt that they have failed to provide to me and Experian XXXX and XXXX fail to delete this from my report. They dont care I sent them a certified letter recently with return receipt just because they have ignored all of the disputes they have ignored. If they ignore this letter I will consulting an attorney for them violating my FCRA rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with JPMorgan on XX/XX/22. They denied me but the credit report says I have credit with them and owe $ XXXX.
Product: Debt collection

A credit card was taken out for XXXX that was closed out in XXXX with a balance of XXXX dollars that is in collections with portfolio recovery. 
Another XXXX credit card was closed out in XXXX with a balance of XXXX dollars that is in collections with XXXX XXXX XXXX. 
My name was used for XXXX XXXX XXXX mobile service that is in collections with XXXX in the amount of XXXX dollars. I believe the activity on this was in XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1000.00} with LVNV FUNDING LLC Account # XXXX I do not have a contract with LVNV FUNDING LLC, they did not provided me with the original contract with as I requested my wet signature and ID verification.