23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went on my email last year, and a notification came up to pay a app bill. But the whole time it was a scam, so i put in my bank information for what i thought i had to pay. So whoever sent the email took my bank information and did fraudulent checks and closed by fifth third bank account. I cleared up all the money that was owed, and have no debt. I have been trying to open up a new bank account but i cant since my fifth third account i had under my record says checking account fraud. Could you remove it off my record i payed off the debt and would love to open a new bank account.
Product: Credit card or prepaid card

On this past Monday ( XX/XX/XXXX ) I applied for a bank account and a credit card with Chime. They denied me both and will not tell me why in violation of The Fair Credit Reporting Act. I more than meet their requirements.
Product: Debt collection

My wallet was stolen at a gas station in XXXXXXXX XXXX XXXX. I starting noticing fraudulent activity such as credit cards I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020 mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these  fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

My loan is years old, i have been making payments on auto draft yet my loan servicer does not have information on their accounting system that reflects auto pay. However, even with auto pay, I am being charged late fees of close to XXXX  dollars every month. j their accounting system should be audited. I have attempted to pay the outstanding fees ( even though they are fraudulent against my account ) but somehow I keep getting fee 's added to my account, monthly. 

This loan has spanned a 20 plus year payment and yet I keep getting fees charged to my account. I want whoever is allowed to audit my account and that company. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit report I recently realized that my mortgage company M & T Bank were reporting a 30 day late payment for XX/XX/year>. Right away I realized that was a mistake. I have recently experienced a financial hardship and was approved for assistance on paying my mortgage loan through a company called " Nevada Homeowner Assistance Fund, ( NHAF ). '' Immediately I logged onto my account to confirm when my initial mortgage payment started. After logging onto my account it stated that I was " approved and funded '' on XX/XX/XXXX of 2023. It also has a section labeled " status '' that confirms whether a payment is processing, pending or has been paid. My Status for that payment is recorded as " paid '' on XX/XX/year> ( XXXX ). I tried to print that information as well but the page kept getting cut off on that section, but you can clearly see the " Paid, 11 '' which is a clear indication that my mortgage was paid in XXXX. I will upload the document so you can see exactly what I'm explaining on this complaint. All of this information proves that I was never 30 day 's late on making my payment in XXXX, I paid on time within the 30 day timeframe. 

I called M & T Bank to explain what they were reporting to the credit bureau was incorrect and it should be an on time payment rather than a 30 day late payment. They continued to say " our records show you were 30 days late, and you have to make a dispute with the credit bureau. '' Once I made a disputed for the 30 day late payment they denied my request to correct the mistake, which led me hear to file this complaint.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to a WellsFargo branch to apoly for a bank account I was a nember 10 years ago and closed my account l, i did was affected by the scam they were doing and today while I was applying for the account the banker ran my credit without previous notice or consent and then denied me an account. I asked why she ran my credit without authorization and she kept explaining that is not a hard hit to it shouldnt affect me that much. But I never authorized them to rub my credit. 
She gave me documantion explaining what she did today but It is still not specified why and how my credit was ran.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/2022 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I trying to get a no credit report an my bank isnt able to do so and when I try to call the brureaeau Im unable too.
Product: Debt collection

I have contacted National Credit Management regarding Account # XXXX  at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt.

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 hard regular Inquiries pulled on my report without my authorization. # 1 Barclays Bank Delaware on XX/XX/2022 # 2 XXXX on XX/XX/2022 for amounts unknown i obtained my report from XXXX reporting agency. reported these errors agent says I have to contact these companies to dispute these hard inquiries to obtain dos from them. or fill out FTC form for the same thing? I had to turn ON Fraud Alert and a Credit Freeze I dont have a account at either One of these companies!!
Product: Debt collection

LVNV Funding is reporting on a debt I do not owe. This debt is from XXXX XXXX and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.
Product: Student loan

For almost seven years, I have been paying on my student loans through American Education Services ( not who we chose, but the bank we got the loan through sold to this company ). I make my payment online. I also have been paying my brother 's loan for 4.5 years but his has had to be paid by check with very specific information so it goes to the correct loan ( which is what AES told us to do since his online account was blocked ). 

In XX/XX/XXXX, my brother started receiving late notices, though I paid his loan every month. At the same time, my normal monthly payment was different every other month. In XX/XX/XXXX, we finally realized that AES was applying the payments I was sending for my brothers account ( with the very SPECIFIC information that I had sent for 4.5 years with no issues ) to my account. I was able to speak to a supervisor and she was able to see what happened. She said they would take that money out of my account and put it back in my brother 's, but that my account would show a delinquency. I thought that was wrong since I had done nothing wrong and had fixed their mistake for them, but said I would make up the difference for what they took out of my account ( {$520.00} ). Which I did, in less than a month ( I called them XX/XX/XXXX and paid in full by XX/XX/XXXX ). The same day I made the final payment to correct their mistake, I got a notice from credit reporting agencies that my credit score had dropped XXXX points. My credit report also shows that I have 60+ days delinquency on these loans when I was NEVER late. Because they misapplied payments, then I corrected them, I was hurt for it. What they made to show online was that I had been late every month since XX/XX/XXXX so they charged me a late fee every month. AGAIN, I was never late. They were misapplying the payments. I was paying on time every month. 

I have submitted XXXX credit disputes with them and have had no luck. They are still continuing to say I was delinquent. 

On top of that, the next month, after we had this all straightened out, they misapplied his payment AGAIN. When I called to tell them I would not pay the balance on the screen ( that was the wrong amount since they had put my brother 's payment in my account ), they could n't understand why I would n't make that payment. Then after I made the correct monthly payment, I got a notice saying I was 18 days late because they misapplied my correct monthly payment and only paid XXXX of the XXXX loans I have with them. 

They continue to make mistake after mistake and take no responsibility for it. I have said to them " you would be fighting this too if it was your credit '' and they never deny it. Even an XXXX customer service rep could n't believe what was going on. 

If I had made this mistake, I would own up to it and take care of it, but I am being faulted for something I did not do wrong. It is not right.
Product: Checking or savings account

I have a student account with Bank of America. I attend XXXX in XXXX and had requested that Bank of America not let debit transactions to post to my account if the funds are not in the account. We'll, they allowed a {$2.00} charge on my debit card to hit my account and they charged me {$80.00} in fees for this one transaction. I am a broke college XXXX and they have charged me over over {$100.00} " overdraft '' fees this year! I am closing my account with them and feel they are excessive in fees, more than is allowed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/2019. discharged XX/XX/2019 why is XXXX still on my credit report when l include them in my  bankruptcy.they already mailed my title to vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran a check on my credit. Found numerous credit inquiries. Trying to buy a home but can not because I keep getting unknown inquiries and don't know how to stop it. Also, I think mortgage companies may have ran my credit more than once within a 120 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX and XXXX. I have requested verification of the debt and account however the business failed to provide adequate proof, along with documentation that bears my signature showing that I have entered into a contractual agreement with them. I have disputed this debt with the credit bureaus, and filed a compliant with the BBB ( Better Business Bureau ).
Product: Credit reporting or other personal consumer reports

Me, my father and my grandfather have the same exact name. There are things that Ive been placed on my credit report that are not valid nor belonging to me. Im disputed so many different times. Ill try my best to get things out of my name and Ill call my credit report and send to the report of which it belongs And now its affecting me financially
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balanced {$830.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$1300.00}
Product: Mortgage

I had secured a mortgage for my mother in  XX/XX/XXXX  to help her prepare for retirement and at a rate that I would be able to afford when she was n't. I was only able to secure a fixed rate loan for 15 years that would balloon at the end of the 15 years. Once I returned from deployment in  XX/XX/XXXX , I started contacting Ocwen about refinancing since I knew the loan would balloon within the next 2 or 3 years. Instead of ever giving a direct answer yes or no, Ocwen kept having me to fill out the HARP forms for assistance and then they would deny it. I knew my income was too much for HARP assistance, but I couldnt understand why I didnt qualify for refinancing. After reviewing my credit report, Ocwen showed I was 30 days late once out of 4 years in  XX/XX/XXXX . I never understood why they wouldnt refinance the loan.
Once the loan ballooned in  XX/XX/XXXX , Ocwen refused to accept any more payments from me and would only settle for the full amount ; even though I requested to continue to make payments. To this day, I do n't know why Ocwen would n't refinance the amount owed at the end of fifteen years or would n't accept my payments since my credit was good. I hesitated in contacting anyone. My mother became ill and passed away in  XX/XX/XXXX . In J XX/XX/XXXX , the home was foreclosed on and sold by Ocwen. I felt helpless at the time. I tried refinancing the home after I found that Ocwen was showing me delinquent in my payments. Of course, it was too late because all financial institutions saw the delinquencies on my credit report and would n't approve me for a loan.
During the foreclosure process, Ocwen sent me another HARP assistance packet. Of course, it was denied. Then a week before the scheduled foreclosure Ocwen told me that the only way I could prevent the foreclosure was to pay {$10000.00} to stop it. My wife told me to request that in writing by fax or email. Well, I never received the request. At that time, I knew I had lost the house at this point and Ocwen wasnt going to try to help me to keep the house.
I feel Ocwen took advantage of me and betrayed me by not refinancing my loan up until the balloon date in order to repossess the house. By showing the late payments on my credit report, it enabled them to have total control over the loan leaving me without any options except the full amount of {$43000.00} which I didnt have.
Please let me know if I have any legal rights in this matter or at least remove the bad remarks on my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. On XX/XX/XXXX I was notified by my XXXX  app that ( XXXX  XXXX ) been re-inserted into my credit file. Also this erroneous debt is being reported on my Transunion credit file under XXXX XXXX  XXXX # XXXX You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with XXXX XXXX XXXX XXXX XXXX  I have never done business with this company. I am not liable for collection from this debt from XXXX XXXXXXXX. I am not responsible for this debt from XXXX   XXXX & XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I made a loan on XXXX XXXX XXXX and did read the hole loan details for 700 buck I read it today and it said It was over 700 % interest
Product: Debt collection

On XX/XX/XXXX I noticed that my Checking and Savings Accounts were at a balance of {$0.00}. I called XXXX XXXX XXXX to learn why and that's when they informed me that there were holds on my accounts due to a " XXXX  ''. 

XXXX XXXX XXXX provided me with a phone number that would connect me to my Receiver ; XXXX XXXX XXXX. I called on XX/XX/XXXX, but no one answered. Nevertheless, I was able to access more information about this arrangement on ( XXXX ). 

I learned that this XXXX  was initiated by Midland Credit Management, a collections company. 

Midland Credit Management collected my alleged debt from XXXX XXXX XXXX . 

I have NEVER been a client of XXXX XXXX or XXXX XXXX. It was stated that this account was opened in XXXX XXXX XXXX, I did NOT have any plans for medical treatment or any XXXX  XXXX  during this time. I did NOT receive any medical treatment or any XXXX XXXX during this time. 

**My credit report does not even note a XXXX or XXXX XXXX account** I suspect fraud in this case and have reported this issue to XXXX XXXX , Midland Credit Management ( XX/XX/XXXX ), and XXXX XXXX Firm ( XX/XX/XXXX ). 

A total of {$2200.00} have been placed on hold from my accounts and I need it to be released immediately.
Product: Credit reporting or other personal consumer reports

This letter is my final communication to Equifax regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX, XXXX XXXX XXXX, XXXX XXXX ( DUPLICATE ACCOUNT ) XXXX XXXX XXXX XXXX, XXXX XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). The company has failed to respond to my debt validation letter. It is also important to note that XXXX nor XXXX report this inaccurate information. 
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated, and time stamped for your reference.
Product: Money transfer, virtual currency, or money service

I sent the following email to XXXX about six hours ago. I have not received any replay form Robinhood. I tried very hard to call Robinhood customer support line, which is always be redirected to an Mobile App. Nobody cares about customer 's issue at Robinhood. Here is the email that I sent out in the morning : The individual ( XXXX XXXX ) claimed to be a Robinhood employee with ID XXXX. He stated that he needed to conduct an investigation on my Robinhood account, which would temporarily prevent me from accessing my Robinhood account. However, I was able to log in and found several suspicious money transfers made on my account by him. Attached is a screenshot I took from my account. None of these transactions were made with my authorization. ( Sorry, I am not able to put a screen hot here, I will see if I can provide it with an attached file. ) I trust Robinhood can help investors like me. Please stop the bad guy from stealing money from me. 

Thank you in advance for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX