23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit file seems to have been compromised, indicating a failure on your part to act on removal requests, even when supported by FTC reports XXXX XXXX XXXX XXXX, and the most recent, XXXX XXXXXXXX. As a victim of fraud, I am insisting once more on the eradication of entries stemming from such activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are mandated to eliminate any disputed items within XXXX business days following XX/XX/XXXX. This matter was addressed in my prior communication and is being highlighted again in light of a new FTC report. The entries listed below are unrecognized by me and have already been removed by other bureaus, casting further doubt on 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 This notice serves as a final warning. Failure to comply with the removal of these items, as stipulated by FCRA 605B, will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.
Product: Mortgage

I used CMG Financial to help finance my loan for a new primary home in XX/XX/XXXX. My first payment was due XX/XX/XXXX and I made the payment using CMG 's system. Afterwards, I was asked if I would like to use said payment method to set up autopay, and I did. I received an email XX/XX/XXXX stating that I had registered, then another email XX/XX/XXXX stating that I was enrolled in autopay ( attached ). From then on, I did not recieve any other e-mails from CMG Financial. On XX/XX/XXXX, I recieved a notification from XXXX XXXX that my credit score had dropped due to 2 missed payments with CMG Mortgage, despite my autpay being established. I signed in online to find out that the autopay had not initiated and had not pulled any payments. I then had to immediately make 3 mortgage payments, including late fees. Since then, I have continuously attempted to establish autopay from XXXX XXXX XXXX  with no success. Luckily I have been manually sending payments the 1st of every month after realizing autpay is not working. I called CMG to resolve this issue, and they claim to have mailed me letters via standard USPS to my secondary home address 100 miles away that stated the failed autpay attempts and my need to pay the mortgage. I have no such evidence of ever recieving these letters and CMG has no proof that said letters ever reached my home. In addition, I asked them that if their system was able to email me notification of autpay establishment and enrollment, then why would they use a completely separate method of communiation to notify me of a failed attempt for autopay? Especially considering the unreliability of standard USPS to deliver to the right place at the right time and the grave importance of maintaining good credit standing! CMG claims to have sent me a letter on XX/XX/XXXX, but I never found it and have no way of confirming its arrival since there is no tracking number associated with their notification.

Due to CMG 's stubborn resistance to my request to remove the late payments, my credit has been irrepairably damaged. I currently need to move to a new state to help my family care for my XXXX XXXX XXXX grandmother. I have a low D/I ratio, good credit, and make an above average income, but I am forced to live out of my parent 's home or rent until this is resolved because I no longer qualify for a mortgage due to CMG 's technical negligence unless I can produce a few hundred thousand dollars to purchase a new home cash. This is because no mortgage lender will loan to a person who has missed a payment in the last year. I never intended to miss any payments, nor did I have any financial circumstance that would have prevented me from paying. The only thing I did was allow myself to be decieved by this mortgage firm who takes my money without fail, but has zero interest in taking accountability for their faults or properly notify their customers through reasonable authenticated methods.
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Closed Date : Not applicable Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Credit Unions Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Not available Original Creditor : Not available Payment Amount : {$28.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$150.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit XXXX {$0.00} XXXX request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

in according to the FAIR CREDIT REPORTING ACT. The ACCOUNT listed below has Violated my Federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 to privacy.

and According to 15 USC 1681 eb they are supposed to ensure this 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the filling items of information.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 card

On XXXX XXXX I paid my credit card bill with capital one. I paid one bill for {$520.00} and another one for {$300.00}. 
I had {$5800.00} in my account that the bill is being paid out of. Capital one sent a message saying they are going to hold the funds until Monday XX/XX/XXXX. Ok thats not a big deal. Comes Saturday I open my account XXXX XXXX I open my account and I see that capital one closed all my accounts. I check my XXXX XXXX account to see if the payment successfully went through to capital one and yes the payment posted. I called capital one and explain the situation and I was asking why my account closed. Capital one stated they may suspect fraud on my account. I ask how if I used the same card and the same bank account to pay my credit card bill and why no one contacted me to see if Im using my card. He stated its the company policy. I explain it is not fair that I paid my bill and the bill successfully got posted and paid and you guys closed my account. I ask can I reopen my account they said no they can not. I express that this is inconvenient for me the consumer to pay a bill and still get my card closed on me. And that this can damage my credit report and possibly hurt me in my future of the credit system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX .... Balance : {$540.00} ; XXXX XXXX .... Balance : {$17000.00} ; XXXX XXXX .... Balance : {$6900.00} ; XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX .... Balance : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Equifax still refuses to take off my Oregon State Tax Lien that has been deleted from record. 
They say it says released but do n't get to the part where it says extinguished. I contacted Attorney General XXXX XXXX and told her of this issue. She told me to give this XXXX more try before she has to step in. I sent the file to XXXX XXXX and she told me yes it extinguished means it has been deleted from record. I have gotten the same answer from the court house several times. XXXX XXXX said it should n't be on my credit reports like the court house told me several times. XXXX XXXX told me the same thing, that Oregon State is n't a data furnisher and that they do n't provide information to the credit bureaus. Experian and Transunion have already deleted this off my credit reports and told me that they had to because it does n't exist anymore. I want this resolved this time because this is getting tiring. If I have to take this farther, I will do so. My outcome is to have this Tax Lien deleted off my credit report and for me to be done with this once and for all.
Product: Credit reporting

On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I had a credit card with XXXX XXXX XXXX It ended up in collections. I was not able to pay the debt at the time. I was served with court papers through the mail regarding this debt. 
The Court Date was set for XX/XX/2021 I was not able to make it. I found out XX/XX/2021 that my bank account was being garnished for the amount of the Judgement which was {$740.00}. in the court writ of garnishment. 
1- Original amount of judgement entered on XX/XX/2021 for original amount of {$620.00} 2- Plus Any interest due on judgement ( currently 8 % per annum ) in the amount of {$9.00} 3- taxable costs ( including estimated costs of service of the Writ ) in the amount of {$100.00} 4- Less any amount paid or adjustments in the amount of {$0.00} 5- Principal balance/Total amount Due and Owing in the total balance of {$740.00} The Canvas Credit Union released the money to the collection agency XX/XX/2021 in the amount of {$740.00} As of today XX/XX/2021 they HAVE NOT reported it to the Credit Bureau I called them to ask why this debt has not been reported paid and they told me that it wasn't paid there was still a balance of {$11.00} in interest that was accrued. when asked why there was still a balance of {$11.00} in interest when the Credit union released the money XX/XX/XXXX, XXXXthe could not tell me why. 

I spoke to the and she couldn't tell me there was interest accrued that I had to pay the amount of {$11.00} for the debt to be settled. 

I asked why I was not called or informed of this extra amount. They could not tell me. 

I have the Court Document And I should not have to pay anything more than what was in that court document. 

I paid the amount but do not believe I owed them any more that the {$740.00} on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. 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. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Credit reporting or other personal consumer reports

On XXXX, an entity named XXXX  ( XXXX ) pulled a hard inquiry on my credit with XXXX. 

This was not my action and I contacted XXXX immediately. XXXX advised I reach out to XXXX with the number that was on my credit report, XXXX. This number advised to call their customer service line at XXXX. 

I spoke with a representative of XXXX ( XXXX ) about this identity theft and requested they contact XXXX to XXXX the hard inquiry. 

The XXXX contact said that they could not remove hard inquiries as they have no method to do that. I asked if they could contact XXXX and they said they did not know how and they could not help me. They refused to assist in removing the false hard inquiry from my credit report, despite this inquiry being identity theft. 

Here is the info from the credit report for this company : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I am writing about my account with Capital one account, I have not used this account for over a year based on my knowledge no bill should have been due. I was also impacted by covid during the months the late pays occurred since I was not aware of anything and since XXXX XXXX XXXX I wasn't aware of this at all. I am assuming the fee is an most likely an annual fee I am hoping that you can waive the annual fee and make the necessary changes to update my account to either paid as agreed or not reported in the months of XXXX XXXX XXXX XXXX
Product: Debt collection

I have spoke with both the original creditor and the collection agency in regards to the debt. On the collection agency website it reflects a payment being made in XXXX but they are saying they only can see a payment was made but not for how much. That in itself is a discrepancy because if they are showing a payment then the balance should be reflecting a payment in any amount. On my credit report for XX/XX/XXXXit shows 2 payments for XXXX and for XXXX. In the amount of XXXX dollars in XXXX and the remaining balance in XXXX. When trying to clarify the debt XXXX XXXX was unable to verify when the debt was transferred only that it was at an agency. The collections agency said that the account was open in XXXX after the paid off amount to the creditor but still has a reflection of the XX/XX/XXXX payment but was unable to verify any further information in the amount they received. Finally, the collection agency is opened for XXXX dollars which is just about half of the original balance as I was only given a XXXX credit line so the account is being grossly overcharged. Finally the XX/XX/XXXX XXXX original creditor was deleted from my score, so it was my assumption the debt was settled. Neither the agency or the original creditor has been able to verify the amounts, payments, or days the account was transferred over and have yet to provide me valid proof of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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
Product: Credit reporting or other personal consumer reports

Ive recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and XXXX XXXX ( formerly XXXX ) for engaging in fraudulent credit reporting, illegal reinsertion of a previously deleted account, false verification, and reaging of the account to manipulate credit reporting. 

This account was previously disputed and removed, yet it was later reinserted under a different name without proper notice or re-verification, violating FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, the furnisher has falsely verified this account multiple times without providing sufficient documentation, violating FCRA 15 U.S.C. 1681s-2 ( b ). Each time I dispute, they change the account name, reopen a previously closed account, and alter the reporting date, which constitutes account reaging in violation of FCRA 15 U.S.C. 1681c. 

These actions have caused significant financial harm and emotional distress.
Product: Checking or savings account

On XXXX I deposited a {$2000.00} check thru Discover Bank 's mobile app. Prior to this deposit I consulted the FAQs so I could determine when the funds would become available. I did not fall into any of the categories for reasons to delay a deposit. I had been a customer more than 30 days, account has never had returned items, and the deposit was less than {$5000.00}. I presumed I would have access to up to {$250.00} immediately, per Federal reserve regulations. This did not happen. I contacted Discover twice on the phone and twice online. All contacts explained the policy and how up to {$250.00} will be made available on the first business day. No one would give me an answer other than, we've chosen to place a hold for XXXX days. Funds will be available XXXX. This is completely unacceptable.
Product: Debt collection

On XX/XX/20, I phoned Synchrony Bank. Recovery Department, spoke with XXXX to negotiate a payoff on a debt in collections that I owed Care Credit. During our conversations, I made an offer of {$700.00} to settle a {$1800.00} debt. XXXX, explained he would submit the offer and for me to call back approximately one week for acceptance results. I phoned on XX/XX/20, spoke with XXXX, he informed me that the offer was accepted and stated I would receive a letter of agreement and that once I receive the letter I would have 30 days from the date of the letter to make the payment. I received 2 letters that were promised on XX/XX/20 both dated XX/XX/20, stating I had 30 days from the date of the letter to mail payment to settle the account per agreement in the amount of {$700.00}. On XX/XX/20, I purchased a cashier 's check from my bank and mailed the payment overnight to the address on the letter on XX/XX/20. On XX/XX/20, phoned again was told payment rec XXXX XX/XX/20 and that I didnt meet deadline 30 days from verbal on XX/XX/20. I explained 30 days from date of letter. I phoned 2 more times and was told the same thing. Requested supervisor to call each time was told not available. Please see the attached with complete detailed communications with Synchrony Bank. Not enough room in this box.
Product: Checking or savings account

Back in XXXX XXXX i had lost my wallet at the casino but about XXXX later I got a call from the casino saying they had found my wallet and ever since then I been having Bank of America closing my account and saying I deposited some fraudulent checks and I never did. No one wants to bank with ever since then.