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

I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status.  Why would it go to charge off, after I paid the balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX XXXX  on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received an escrow statement from Carrington Mortgage Services on XX/XX/XXXX. 
They made an extra payment of {$1000.00} on my property taxes. As result, i called Carrington Mortgage Services and paid off the entire {$1000.00}. 
However I have to face the following problems : 1- I never received a new escrow analysis despite my request. 

2-Since XX/XX/XXXX I have spoken to several people who pretended to be the managers and experts in escrow analysis. But they never honored the request of sending me an escrow analysis and telling me my new mortgage payment. 

3- All the agents from Carrington were unethical and unprofessional. Among them, I can cite XXXX id # XXXX, XXXX id # XXXX, XXXX id # XXXX XXXX I firmly believe that Carrington Mortgage Services is overcharging me despite my payment of the entire difference on the escrow account. 

5- Given the unethical treatments i have endured with Carrington Mortgage Services for many years, I would like our mortgage to be handled either by XXXX  XXXX XXXX or XXXX XXXX where it originated from.
Product: Mortgage

I had mailed XXXX checks, dated XX/XX/XXXX, for my house payment and the {$.00} claiming that I was short of XXXX cents. 
The checks are # XXXX {$240.00} house payment and check # XXXX for {$.00} cents. I contacted a male rep and indicated that both checks were not in the system. 
This servicer has been problematic since, XX/XX/XXXX.
Product: Consumer Loan

I have a revolving line of credit with Cash 2 U Financial Services of VA. On the day that the loan is due I start getting calls at my place of employment. I have asked several times not to be contacted at my job and have informed them that I am not allowed to receive those types of calls. I received a call today that was answered by one of my employees. The rep asked to speak to my direct manager by name and did not ask to speak to me. There should never be a time that a debt collector ask to speak to a person other than the person on the account. My manager was out of the office so the call was transferred to my voicemail. I called Cash 2 U and advised them again not to call my place of employment and asked why they would ask to speak to my manager and not to me. She informed me that she had not done so. I advised her that all calls made to the company are recorded and that I listened to the recording and she specifically asked for my manager by name. She never mentioned my name until the rep told her that the manager was unavailable and was there someone else that could possibly assist her. She then said I am not going to argue that fact with you. I asked again to never contact my employer because they are putting my job in jeopardy. She stated that she made notations on the account that they will never contact my place of employment again. I was lied to about the terms of the loan, I was lied to today that they did not ask for my manager directly, so I am pretty sure she lied about the do not call the employer notations as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my LCI report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time LCI failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet LCI without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights. I have called many times to LCI and they neither provide any support at all to handle disputes or to even remotely speak with anyone to assist when addressing any inaccurate information which they hold and share with Transunion. LCI which is owned by Transunion has violated my federal rights by sharing information directly to Transunion with knowledge of the fact that the federal court house which is the direct data furnisher is not enrolled or subscribed with Transunion nor shares its data with anyone. I have given no consent to LCI, XXXX or any other 3rd party vendor to share my information.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccurate address information reported on my XXXX credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting the removal of the following incorrect and inaccurate addresses that are not associated with me and do not reflect my current or previous residence : XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX Wy, XXXX, GA XXXX. Under 15 U.S.C. 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure that obsolete or inaccurate address information is excluded from consumer reports. The inclusion of these incorrect addresses violates my rights under the FCRA, as they are misleading and could adversely impact the accuracy and fairness of my credit report.

Additionally, under 15 U.S.C. 1681e ( b ), XXXX has a legal obligation to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reports. By failing to remove incorrect address information, XXXX has not complied with its statutory duty to maintain accurate and reliable information. I request that these addresses be promptly removed from my XXXX credit report and that I be provided with a corrected version of my report. Furthermore, I ask that XXXX provide a detailed explanation of the steps taken to verify and remove this inaccurate information as required under the FCRA. Please address this matter urgently to ensure compliance with federal law. I appreciate your assistance in resolving this issue and look forward to a timely response.
Product: Debt collection

On XX/XX/2020, I received a phone call from Jefferson Capital representative named XXXX regarding an attempt to collect on an alleged debt for an account they have labeled as XXXX. I indicated while in the call that this debt is not mine and that I need validation to provide me with evidence that I am the intended party. XXXX indicated that Jefferson Capital had evidence that I am the intended party such as my signature and would reply to my request. However, a week letter I received a letter from Jefferson Capital for a settlement offer instead of debt validation. This misrepresentation from Jefferson Capital is a direct violation of my rights under the Fair Credit Act, in which I am entitled to the documentation of debt responsibility when requested either verbally or via correspondence. Jefferson Capital has verified that this account XXXX is in fact mine to all three Credit Bureaus and to date have not provided me with the evidence that they have submitted to the credit bureaus when I made the request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX 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

TRANSUNION FILE # XXXXsend via certified mail Subject : FCRA 605B Identity Theft Report Request for Fraudulent Information Block To Whom It May Concern, I am writing to formally request the removal and blocking of fraudulent information on my credit file, as authorized under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The details of this request are outlined below : Personal Information : Name : XXXX XXXX XXXX Address : c/o XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Social Security Number : ( Provided as required in enclosed documentation ) Summary of Fraudulent Activity : Upon reviewing my credit reports, I discovered multiple fraudulent accounts and unauthorized credit inquiries associated with my identity. I have attached a copy of the FTC Identity Theft Report ( Report # XXXX ) XXXX XXXX Police Department Case Number : XXXX and supporting documentation to substantiate my claims as my name is trademarked and copyrighted. 
XXXX Accounts : XXXX. XXXX XXXX Account Ending in XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX Balance : {$3500.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX Balance : {$13000.00} XXXX. XXXX XXXX Account Ending in XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Ending in XXXX Balance : {$16000.00} Unauthorized Credit Inquiries : XXXX. XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX twice ) XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX : 1. Block and remove the fraudulent accounts and inquiries listed above from my credit report.

2. Notify the furnishers of these items that the information is fraudulent. 
XXXX. Provide written confirmation that these actions have been completed within the 4-business day period required under FCRA 605B .

Enclosed Documentation : 1. Copy of my FTC Identity Theft Report ( Report # XXXX ) 2. A copy of my government-issued ID ( Drivers License ) 3. Proof of address 4. Credit reports highlighting the fraudulent items 5. Notifications from ARAG Identity Theft Protection confirming breach of my personal information Please send written confirmation of the actions taken to my mailing address listed above. I request prompt attention to this matter to prevent further unauthorized activity. 
Thank you for your assistance in resolving this issue. Should you require additional information, I can be reached at the phone number or email listed above. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX Fraud Division XXXX Fraud Division TransUnion Fraud Division
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurately reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the accounts in the attached document. No proof was ever provided to me showing that this accounts have been verified as correct.
Product: Mortgage

I took out a construction loan that transferred to a 30 year fixed mortgage with XXXX bank in XXXX. I then had to take out a second mortgage with them to complete the house I was building. My XXXX mortgages combined at XXXX. I made XXXX and my wife at the time made XXXX a year. That loan to income ratio is horrible and I was XXXX XXXX XXXX and did n't know better. 

I built the house, converted the construction loan to a fixed mortgage, and had a real estate evaluation done. It came in at XXXX. All looked good. 

Then the market crashed and my wife left. I used all my retirement to pay XXXX. I rented out the house to pay XXXX. I went broke to pay XXXX. 

I received an offer on the house just a few thousand less than the loan debt. I asked for a short sale. No response. 

Then, they held an auction, and bought the house from themselves (??? ) and never told me anything. I had to declare bankruptcy. I ca n't get anyone ever to answer any of my questions for more than ten years now! Please help.
Product: Credit card or prepaid card

I received a collection letter from US Bank XX/XX/XXXX after I fell behind on my State Farm Visa. I wrote to them XX/XX/XXXX stated I believed the amount was incorrect because I had recently made a {$110.00}. payment and stated all communication must be in writing. They received this letter XX/XX/XXXX. I made an additional {$100.00}. payment in XXXX to be a payment ahead since my card was due the XXXX of the month and my income was deposited the XXXX wednesday of the month. I have made a monthly payment of {$100.00}. each month. I heard nothing from XXXX XXXX until XX/XX/XXXX offering a settlement. I wrote a counter offer promising the payment of {$100.00}. I will be making until XXXX of XXXX. Also again stated all communication must be in writing. The only response I got was a letter stated unless I agreed to phone communication I could not be informed of offers. 
As I neared the final payment I checked on the status of this account from experian and found the account is listed as closed charged off and all payments are late. I contacted experian and upon review they sided with US bank. 
Wrote US Bank on XX/XX/XXXX which they received XX/XX/XXXX and their response is I had no payment plan in place because they only communicate by phone. 
So why am I not allowed written communication the only way to hold someone to a deal is to have it in writing. They never stated they weren't accepting my counter offer. Just because they want the right to phone me every day is unfair I have made my payments as I stated and had hoped to be at the end of this ordeal, must I continue to pay them or can they be held to my offer of XX/XX/XXXX?
Product: Checking or savings account

I'm a XXXX and a client gave me a check of XXXX and he called in to verify that he is the maker of the check and after the money cleared in my account chase decided to put a freeze my account with all money in it since they think that its fraud. Even if the maker is their client they say that they don't have a number to reach him. I even went with the maker to a chase bank but the teller at the bank said that since its the back office making the problems they cant do anything and now my account is locked for no reason I have venders and employees that I have to pay them and I don't have access to MY money.
Product: Debt collection

I have been receiving multiple phone calls along with my husband and phone calls going to his place of work, messages left of a debt owed to please have him XXXX for a important matter.. a debt owed then they sent a man to our home on memorial day to serve papers to our home gave them to our daughter who is XXXX pounding on the door she said she went answered it finally to a man older gentlemen XXXX XXXX XXXX, he shoved papers in her face and said give these to your parents make sure they get them and was shoving them in her face, now all she had told this man was no I am not the person your looking for i'm related a daughter but gave no proof etc. then he goes shoveing these papers in her face not just two months after she was just assaulted by a gentlemen which also freaked her out not acceptable at all so we get served a summons to appear in court on XX/XX/XXXX at XXXXXXXX XXXX in court for a DEBT that is in a BANKRUPTCY and been charged off back in XX/XX/XXXX in which the XXXX has already been made aware of this and told to please stop calling me and my husband leave us alone stop harassing us yet now they try to sue us.
Product: Debt collection

AmeriCollect continues to harass me about accounts that are a direct HIPPA violation. I have repeatedly disputed these accounts. AmeriCollect did not provide me a copy of my signature with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately. XX/XX/15 ( {$54.00} XXXX, XX/XX/15 ( {$160.00} ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report from XXXX, Transunion and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request in writing requesting for a complete verification of a few items on my credit report with all XXXX bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, Equifax and XXXX. 
The accounts that I submitted a written request for complete verification are the following : XXXX. ) XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, AZ XXXX phone # XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone XXXX XXXX. 
XXXX. ) XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX number XXXX opened and closed dates are different with all XXXX bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.