23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

Compass Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered Compass was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. Compass recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XX/XX/XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per XXXX my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ( XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ( XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAYAT ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Product: Debt collection

I'm confused as my disputes seem to be overlooked, and I want to clarify that I am the one initiating them under my name. The item related to XXXX XXXX XXXX is unknown to me, and I've provided legitimate documents supporting my position, filed with the appropriate agencies. I know the consequences under FCRA for obtaining information under false pretenses, and I have not sent my documentation to anyone else. According to FCRA 611, a consumer reporting agency can terminate a dispute investigation if deemed frivolous, but I've provided sufficient information. Failure to comply can lead to civil liability under 617, including damages and attorney 's fees. The item in question is causing damage to my creditworthiness, and I need your help to correct it promptly for my financial freedom.
Product: Credit reporting

Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. ''
Product: Payday loan, title loan, personal loan, or advance loan

I received the contract in the mail from Republic Finance stamped " paid '' on the contract on XX/XX/XXXX. I called to make sure on the first of XXXX stating that I would like to make a payment, and was told, oh, XXXX XXXX, your account is paid in full, so I said okay. I go to my credit report and it shows that I owe Republic Finance {$5700.00} dollars, which was reported to the credit bureau by Republic Finance on XX/XX/XXXX. So, either I have paid too much money on the loan that I received, was cheated by Republic, and they are trying to cover up something, and if the loan is paid in full, they need to make it known to all three credit bureaus. I don't trust Republic Finance, and I have learned a very good lesson. Although you have excellent credit, don't do business with untrustworthy people. I also received information from the TX XXXX, but when I talked with Republic Finance about this I was told that they have nothing to do with that. I may be old, but I am not stupid. I don't want my credit rating to be tarnished with unscrupulous people. One other thing, there was no where to put how I received the check. The check was actually sent to me, and said all I needed to do was deposit it into my account, I didn't get it on line. I have truly learned my lesson. My credit rating is very good, and next time I need a loan I will go to a reputable company. I call companies like this loan sharks.
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 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report is showing an account from a company called XXXX XXXX. The payment history shows that last payment was more than 7 years ago. Per the Fair Credit Reporting Act, accounts greater than 7 years old ( or greater than 7 years past due ) can no longer be reported.
Product: Checking or savings account

I opened a 13-month featured CD with Bank of America in XX/XX/year>, when interest rates were 4.41 % for 13-month CDs ( 4.5 % APY ), excluding the preferred rewards interest rate booster.

I recently checked the details of my CD and the listed interest rate was 0.05 % and the CD was input as a 12-month featured CD instead of a 13-month CD. Keep in mind that a 12-month featured CD does not exist. 

Even by today 's rates ( XX/XX/year> ), which are even lower, the interest rate they gave me would be extremely low. A 13-month featured CD has a rate of 3.92 ( 4.0 % ).

I called the customer service line and they tried to convince me that I signed for a 0.05 % rate, which is lower than I could get on a money market savings account. Even my interest rate booster based on my preferred rewards status would get me 0.04 %.

The cherry on top was that they then they forwarded my call to a support desk at a financial center...
Product: Debt collection

Pinnacle purchased a debt from XXXX. They repeatedly change the Date of 1st delinquency and the date opened/closed I have copies of my credit report to prove the XXXX companies continue to change the date of 1st delinquency.
Product: Credit reporting or other personal consumer reports

XXXX complaint regarding LexisNexis and their ongoing refusal to provide me with a copy of my consumer report despite my repeated requests over the past XXXX years. 

However, on XX/XX/year>, LexisNexis submitted a response to CFPB falsely claiming that they reached out to me but that I did not respond. This is completely untrue, and I have proof, including an email with timestamps, showing that I responded to their request the same day they reached out to me. See Attachments.
Product: Debt collection

My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Product: Debt collection

I thought this was resolved in XXXX 2015. A new collection agency isnow trying to collect the same debt that was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo shows my account delinquent and charged off. That is FALSE. The account is paid in full. The amount they show includes a fraudulent charge, which I have notified them about and they have ignored the blatant evidence.
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Wells Fargo CRD SVC Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Wells Fargo CRD SVC Account 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 

1. The following account was never late XXXX XXXX  ( Opened XXXX XXXX, XXXX, XXXX {$170.00} ). Please correct/update this inaccurate information on my credit report. 

2. The following account was never late XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$260.00} ). Please correct/update this inaccurate information on my credit report. 

3. The following account was never late XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ). Please correct/update this inaccurate information on my credit report. 

4. The following account was never late XXXX XXXX XXXX  XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ). Please correct/update this inaccurate information on my credit report. 

5. The following account is not mine XXXXXXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

No disclosure of vital information : I signed up for a cryptocurrency trading account at the XXXX XXXX ( Payward Ventures Inc ). Certain information was not disclosed during that process that should have been. Had it been I would not have signed up. 

Specifically that XXXX XXXX XXXX are put on hold for 3 days before you can access those funds. And that additional verification may be required before trading can proceed. 

My funds were placed on hold. It took XXXX XXXX 4 days to respond to my emails and once they did I was told the funds could still not be released until I provided additional photo of my self. This should all have been disclosed up front during the onboarding process not after I had funded this account. 

Because of this I lost the opportunity to trade for the asset I wanted as the price increased. 

I requested that my funds be returned to me and received no response from the company that they would do so. My {$5000.00} deposit is still under their control. There is no direct Customer Service only email. I can only hope that they return my money. 

The support is terrible. Not the way to conduct business when money is involved. Three to four days to respond to a support inquiry would I think be considered a violation in the banking industry. Since these exchanges deal in XXXX currency standards which Banks must adhere to should be required for these exchanges also.
Product: Mortgage

Borrower submitted a loss mitigation package and received a notification of a facially complete application as of XX/XX/2016. It has now been over 30 days without further follow-up or a decision from the servicer on the application.
Product: Money transfer, virtual currency, or money service

Title did not wire funds as disclosed in HUD 1 disbursed funds to a deceased person not identidfied in the HUD 1.
Product: Vehicle loan or lease

This account was a charge off and sold to a and this should be marked as paid for less or removed from credit report altogether because this debt has already been paid according to the charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows an incorrect date of birth on my credit report. I don't where or who made this error. When brought to Experian 's attention they could only give me your agency and phone as to the agency to help me. I've included a copy of my Driver 's License which shows my correct date of birth. Thank you for your help. 
XXXX XXXX
Product: Debt collection

I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
Product: Credit reporting or other personal consumer reports

XXXX : If XXXX alleges a C/O occurred on XXXX XX/XX/XXXX, then the DoFD would be a date that is within 120 - 180 days prior to XXXX XX/XX/XXXX. A Date of First delinquency of XXXX XX/XX/XXXX is in inaccurate date. The payment history does not support a default date, aka Date of First Delinquency ( DoFD ), of XXXX XX/XX/XXXX because Equifax reports it as a month with a payment rating " paid on time. " XXXX has had at least fifty ( 50 ) separate occasions to correct the false/misleading/inaccurate data they are furnishing to the CRAs. They have changed nothing and have continued to " verify '' the causally implausible DoFD as " accurate, '' when they know, or have reasonable cause to believe is the data they are furnishing is false and/or misleading and/or inaccurate and/or incomplete.
Product: Debt collection

I received a call from XXXX ( XXXX XXXX XXXX XXXX ) and returned the call. They demanded the last 4 digits of my social to confirm my identity and refused to tell me why they were calling without that information. Since I don't recognize the business or know of any outstanding debts they might be collecting on, I am assuming their behavior is suspicious and would like to get ahead of the behavior by reporting them. I would expect a legitimate debt collector to provide me with an invoice by mail. I can also find nothing on my credit report. Given what I've seen about this company online, I want to get ahead of the issue with this report before they continue with more nefarious behavior.
Product: Mortgage

On XX/XX/XXXX i received a payment adjustment notification letter in mail. It indicates that the payment change will occur XX/XX/XXXX. The interest rate shows an adjustment to a rate of 6.3 %. The payment amount for current payment is incorrect in the letter. The payment amount for the future payment is also incorrect. Per the terms of my note, I should receive a payment change notice 60 day prior to a rate change. I did not receive any previous letter. 
I called the services on XX/XX/XXXX to discuss this problem. I was on the phone for 2 hours and was disconnected 4 times and spoke with at least 7 different customer service reps. Each one gave me information that was incorrect. After 2 hours and getting disconnected for the 4th time, I gave up. 
I am worried that the servicer is not accurately calculating my payment and abiding by the terms of my note and adjustable rate rider Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent them the below letter because I want them to validate my debt.

To Whom It May Concern : I am writing in response to a notice I received regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including any information and documentation that substantiates your claim.

Please provide me with : 1. The name of the original creditor and details of the debt, including when it was incurred.

2. A detailed breakdown of any fees or interest that have been added to the original balance.

3. Copies of all documents showing that I agreed to pay what you claim I owe.

4. Verification of your authority to collect on this debt, including a copy of your license to collect debt in my state, if applicable.

Please treat this letter as a formal dispute of this alleged debt until you provide proper validation. Per FDCPA guidelines, I request that you cease all collection activities until this information is provided.

Thank you for your attention to this matter. I look forward to receiving your response.

Sincerely,
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that's unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items/ are unknown to me.I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX AV XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit files with transunion. this has been an issue that needs to get resolved. all information is unverifiable an caused alot of denials. please review an remove the listed negative items to clear my credit report asap.
Product: Debt collection

American Express sent me to collections. I began paying the collection agency ( XXXX XXXX XXXX in XXXX ) every month and when I did, I received a notification from American Express via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to American Express. When I call American Express, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that American Express gave me for XXXX XXXX, they answer the phone, saying, " American Express '' and say they are not XXXX. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?