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

In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

We were reported as late payment when in fact we have more than enough funds with XXXX XXXX  for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.
Product: Vehicle loan or lease

I have a loan with Santander Bank for my car. In XXXX, I had to close an account at the bank because of another merchant taking advantage of my debit card and checking account number for a monthly membership which I terminated in XXXX. My auto payment for XXXX was about two weeks late, and when I made my payment, I doubled the payment to cover both XXXX and XXXX. The Payments were processed first {$57.00} in XXXX, then {$700.00} which the automated system said was owed for XXXX. The total amount paid was {$750.00} by XX/XX/XXXX. The company refused to apply my payment to the XX/XX/XXXX auto loan due date. They actually argued with me and expected me to make a third payment in XXXX. They were very unapologetic and said that the decision was up to someone in accounting rather or not my XX/XX/XXXX payment would be applied to my XX/XX/XXXX installment, not me.
Product: Mortgage

I have a mortgage loan with JP Morgan Chase. XXXX is our homeowners ' insurance company. We have lived in this same house and had XXXX as our homeowners ' insurance since XXXX. Last year in XXXX of XXXX, I got a notice from XXXX stating that my homeowners ' policy was going to be canceled due to nonpayment. After hours on the phone, I discovered that Chase took money out of my account and paid it on behalf of another customer to XXXX or another insurance company. No explanation was given as to how this mistake happened. I have just received the exact same notice from XXXX this year stating that my policy is going to be canceled due to nonpayment. Since XXXX has confirmed that my information with them is correct, it is apparent that Chase has made the same mistake twice. I have statements showing they took an incorrect amount of money out of my escrow account to pay my insurance, but XXXX never received that money on my behalf.
Product: Debt collection

GLA Collection company called me on XX/XX/2018 at XXXXXXXX XXXX and said that becuase I did not hang up the phone I must be XXXX XXXX and that if I did not pay them {$180.00} tonight I was going to face a lawsuit seeking summary judgement. 

I am not the person they are looking for
Product: Debt collection

The Capital One Bank USA was a secure credit card in the amount of {$300.00} dollars. Now this card is {$2500.00} I do not know how this credit card allowed by the Capital One Bank to go that high. I did not do this and I do know that my card was used by someone else. My question to the Captial One Bank is how could you let this card that was only a secure credit card for only {$300.00} get to {$2500.00}. This is fraudelent and I did not do this sort of thing. 
Attached please find a copy of my credit report that shows this issue. This is not my bill.
Product: Mortgage

My servicer, Loan Care, claims they have not received my XXXX payment. I sent them a letter and also attached bank statement showing the funds leaving my account. The letter was sent XX/XX/2020 and I have yet to hear anything from them. See letter below. 

XX/XX/2020 To whom it may concern, RE : Loan Number XXXX When I received my XX/XX/2020 mortgage statement the payment due did not deduct the payment that left my XXXX account on XX/XX/2020. When I called the servicer on the phone on XX/XX/2020 they said they never received that payment and that I should make a payment over the phone to avoid being reported to the credit agencies so I made a telephone payment for {$2500.00}. I would like the 3 payments that I made below all applied to my outstanding mortgage. 
XX/XX/2020 for XX/XX/XXXX - {$2500.00} XX/XX/2020 telephone pmt in order to avoid credit score problems - {$2500.00} XX/XX/2020 for XX/XX/XXXX - {$2500.00} I would like the extra payment I made over the telephone to be returned to me at my address below. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email XXXX Cell Phone XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate reporting of my SYNCB/JCP account XXXX # XXXX ) on my credit reports with XXXX, XXXX, and XXXX. Despite my repeated disputes over several months, these errors have not been corrected, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Issues : Incorrect Status Reporting : The account is reported as Negative even though the balance is {$0.00}, and the account was paid in full. This misrepresentation damages my creditworthiness.

Payment History Errors : The account is marked as Current, but it inaccurately reflects three instances of 30 Days Late payments. This should not appear on a paid and closed account.

High Balance Discrepancy : The high balance reported is inconsistent : XXXX reports {$110.00}. 
XXXX and XXXX report {$810.00}. 
Accurate and consistent data must be reflected across all three credit bureaus. 
Harmful Comments : The comments section notes Closed by XXXX XXXX or Canceled by XXXX XXXX, which unfairly portrays the account closure. The correct comment should reflect Closed or Paid Account/XXXX  Balance or Paid as Agreed. 
FCRA Violations : Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers are required to report accurate information. Reporting a paid account as negative and including late payment notations is a clear violation.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : My repeated disputes were not corrected within the required 30-day timeframe, violating my right to accurate reporting.

Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) : SYNCB/JCP has failed to investigate and correct these inaccuracies, as required upon receiving notice of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I declared banckruptcy court on XXXX XXXX and case was discharged of debators on XXXX, XXXX. I contacted Citibank whom I had the home equity loan with in XX/XX/XXXX there is no record on file at all. Contacted Citibank after bankruptcy and they refused to speak to me and Citibank stopped sending and pymts. 
They stated that another servicing company might have my account since it is so old the company name is XXXX. Contacted this servicing company as well an they said no contact information is on file I don't exist at all. 
There is lien on my home property that I would like to be removed. If I could please have a release of lien via XXXX and a satisfaction of mortgage. Also if there was a charge off done from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Westlake financial services should not be on my credit report I have a right to have it removed especially when completed. I dont understand how credit bureaus have that much power/control of my information My record under my name XXXX cant do right when other parties dont follow proper procedures. 
What happen to our rights!?
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Debt collection

A debt collection agency sent a summons and order of garnishment in aid of execution without sending a letter stating the amount of the debt or the ability to dispute or what the original debt was for, which was sent to an address of a family member and not my own address of 3+ years. This letter was sent by mail XX/XX/2023 with a response limit of 3 days to an address I do not reside at with no verification of the debt. I have made multiple calls in an attempt to retrieve information regarding this assumed debt. I have also written a letter asking for these documents listed for verification of the debt. I should not be having my wages garnished for a debt I am unaware of let alone with out prior contact or attempt to aware me of this debt.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX XXXX - Another person took out cable service under my name and in a different state. I have completed/signed and sent an affidavit with the creditor. Filed a local police report. The creditor just made there third attempt with another collection agency ERC - XXXX, FL. 

XXXX XXXX XXXX Ignores the law ... .. Simple : take legal action and receive a court judgment if I am accountable.
Product: Debt collection

i have spoken to this company and they will still call me at least once a day, every single day and leave a message. sometimes they call more than once. i blocked them but they are now using alternate numbers and apparently 3rd party software to bypass the number block. this morning they called and somehow got through the number block. i called them back and said they call me every day even after having talked to me less than 7 days prior. XXXX, the XXXX will call me even after i talk to someone in the office and leave a message saying SHE needs to know what's going on... it's repeated harassment. i told them i'm filing bankruptcy and have no job and no money yet every day it's the same thing. i'm tired of being screamed at and called repeatedly daily. i have advised her that she's using illegal tactics for debt collection and abusing me and have told her not to call me but she keeps calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like everything to be disputed
Product: Mortgage

In XX/XX/XXXX, we began a loan modification with Carrington Mortgage. The modification was approved and being processed. While the modification was in process, I received a job offer that required relocation. At that time, we decided to sell the home while in the process of modification. We continued to make monthly payments during the modification process. We contacted Carrington Mortgage once we received the paperwork to complete the modification and told them we were about a month away form closing on the sale of the home. We were instructed not to complete the modification paperwork since we were selling the home. Carrington Mortgage then reported my account to credit bureaus as 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then 90 days late for XX/XX/XXXX, and 120 days late for XXXX and XX/XX/XXXX. Again, during this time, monthly payment were being made. I've disputed via the credit bureaus and have contacted Carrington. The payment history has not been corrected to on-time. This has since caused major issues in trying to get a new mortgage. We need our payment history corrected to on time since on time payments were being made.
Product: Checking or savings account

Tried to link account to organization I'm trying to get Covid Grant assistance from but is not letting me.
Product: Mortgage

Nationstar Mortgage Company failed to turn over all funds paid on my account by me to XXXX when Nationstar sold my account causing a shortage in my loan. I have included the XXXX Payment history, which demonstrates that when it received the loan I was 2 months behind. I modified my loan with Nationstar Mortgage in XXXX 2010. My payments commenced in XXXX of 2010. I am providing you my payment history which shows regular payments being made since XXXX 2010. I am providing you the documents showing modification and new payments due on XXXX 2010. 
The missing funds should be sent to XXXX immediately so that my account is brought current and principal and interest properly applied
Product: Debt collection

My law, my consumer writes are being validated. I have no written permission or consent for these accounts.
Product: Debt collection

I got turned over by XXXX  insurance for a bill I dont owe. XXXX the bill doesnt even have my home address
Product: Credit card

After rereading the Citi response of XX/XX/23, XXXX points require more explanation. Paragraph # XXXX : How and when did Citi come to understand that I had agreed to have my account information stored with said merchants? Does Citi read and maintain every set of terms and conditions for every merchant for every Citi customer? You must, for how else could they assert otherwise? In that case, please provide me with a copy of every set of terms and conditions you have on file for the merchants listed on my account. Paragraph # XXXX : regarding your ABU, it is for merchants or vendors who have an established recurring payment on your account Please define recurring payments.
Product: Debt collection

This company keeps repeatdly trying to contact me and I am not aware of who they are or any financial relationship I have with them. I asked them to stop calling me and cease all reporting activity as I am disputing this debt. I have sent the a certified letter but I have yet to recieve a response, but they continue to report negative false information that is hurting my credit report. Please help me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX/XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been reported inconsistently on all three bureaus. 
On XX/XX/XXXX, XXXX removed late payments from my XXXX credit report and as of today this account is showing no late payments on my XXXX report. This action or update should have been the same on all other credit reporting agencies. I have requested on CFPB previously that this correction needs to happen or have the account completely removed from all three credit reports. This is hurting my credit scores and my ability to obtain credit during this rough time. I need all late payments removed on the other bureaus just as it is on XXXX. or completely remove the account.
Product: Debt collection

I attended XXXX XXXX XX/XX/XXXX - to mid XX/XX/XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XX/XX/XXXX my school location XXXX XXXX was closed. XXXX XXXX   filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XX/XX/XXXX Ive been contact and harassed by XXXX XXXX XXXX saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of XXXX XXXX XXXX you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that XXXX XXXX XXXX is apart of the politics that are currently against my family. There is no reason on how I owe the XXXX XXXX money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to XXXX   I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about XXXX XXXX XXXX. Other people have experience this same tacky behavior and believe they are also suspicious.
Product: Credit card

Dear sir or maddam upon looking at my credit score I see that CCB/XXXX  Account number XXXX has sold the debit to a third party collections company called Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX... 
I have not signed any binding legal document with this third party agency. hence as a result the fair debit collection act does not apply it is illegal and I want this removed from my credit score soon as possible as I am trying to increase my credit in order to by a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two certified letters to Experian on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX, XXXX XXXX   and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and Experian has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. Experian has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to Experian that these accounts are mine. According to the Fair Credit Reporting Act, if Experian can not provide proof of the debt to me, it must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.