23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is reporting and trying to collect on a cell phone bill they allege I owe. Ive never received any written notice. Ive had the same cell phone carrier and account about XXXX. 

Ive have no outstanding cell phone bill. Any any cell phone bill from XXXX years ago would be time barred from collections. 

This abuse collection is harming my credit history and should never be on my history. 


How do I get this issue resolved? 

Really it should be fully removed
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were disputed with XXXX and Experian but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXXXXXX XXXX Balance {$740.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit- Highest Balance {$1400.00} TermsNA On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

IvetriedcallingtoverifymyidentitybecauseIcannotaccesstheonlinedisputethingforEquifaxbuttheagentsdontseemtounderstandwhatIwanttodoIdonotwantthemtotellmethestatusofmydisputeIwanttoviewitonlineIwanttounlockmyaccount
Product: Debt collection

XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported
Product: Credit card or prepaid card

HSBC refuses my repeated request that it send me a check cor {$150.00} in redemption of its promotion of {$150.00} for {$500.00} charged by me to my HSBC credit card within 3 months! I have repeatedly told HSBC I find redeeming the cash online impossible to do after several attempts! It has provided me with NO help. I want a check cor {$150.00} promptly sent to me!
Product: Student loan

In XX/XX/XXXX, I experienced a severe hardship as the result of wildfires in the XXXX XXXX / XXXX XXXX areas, which affected my ability to work greatly, severely reducing income and inhibiting my ability to make my student loan payments. Shortly after this disaster occurred, FEMA declared this incident as a Federal Emergency ( as noted on their website as well ). While all of my other private lenders allowed for a 3 to  6 month Natural Disaster forbearance as permitted by federal law for declared disasters and emergencies, KEY Bank has refused to assist me during this exorbitantly difficult time, and have refused to return my calls or give me resolution for over one month - even after requesting repeated contacts from the Office of the Chairman in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - most recently today, XX/XX/XXXX. 

In dealing with KEY Bank, I have spoken to XXXX XXXX in Loss Mitigation, whom promised me resolution one week ago, with no call back or contact since we last spoke. Additionally, I have left over 10 messages for the Loss Mitigation department to call me for assistance, all of which have gone ignored. I have been outright neglect by KEY Bank, misled on multiple occasions after another representative in Loss Mitigation had stated he would get me an exception to policy and honor a 3 month forbearance for this FEMA declared Emergency, and been refused contact from KEY Bank 's executive management after being told on multiple recorded and logged calls that someone would reach out to me " within 24 hours ''. KEY Bank has caused me extreme mental and emotional distress during this very difficult time after experiencing a disaster, where as all other private lenders have worked with me to aid me through this difficult process and time, and I am in need of immediate resolution to this ongoing issue with KEY Bank 's unwillingness to honor their commitment to their ailing and displaced customers, and their neglect and refusal to speak with me as promised to resolve this matter and offer assistance with my loans during this ongoing difficult time.
Product: Debt collection

I pulled my credit report and noticed this company is listed on my credit report claiming several accounts. They did not send me anything in the mail allowing me a chance to dispute this alleged debt that has been sold several times with no proper validation. I send them a letter certified tracking number XXXX and has requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.
Product: Credit reporting

EXPERIAN HAS BEEN AWARE OF MY DISPUTE FOR 60 DAYS NOW. THEY HAVE REMOVED A XXXX XXXX INQUIRY FROM MY CREDIT REPORT AND REINSERTED THE INQUIRY ON A LATER REPORT. THEY DID NOT NOTIFY ME OF THIS INFORMATION THAT THEY WERE GOING TO DELETE THIS AND RE INSERT THE INFORMATION AT A LATER TIME. THEY HAVE ALSO RECIEVED DOCUMENTS FROM A COLLECTION COMPANY RELEASING ME FROM THE ACCOUNT THIS COLLECTION AGENCY IS XXXX XXXX COLLECTIONS. I HAVE CONTACTED THE CREDITOR DIRECTLY AND GOT A LETTER IN RESPONSE STATING THEY ARE CLOSING THE ACCOUNT BUT EXPERIAN FAILS TO REMOVE IT FROM MY CREDIT REPORT. THIS COMPANY ALSO FAILS TO REMOVE NAMES THAT I AM NOT KNOWN BY XXXX XXXX NEEDS TO BE REMOVED, THE ONLY NAME ON MY REPORT SHOULD BE XXXX XXXX XXXX. I HAVE SENT SEVERAL LETTERS ON THIS ISSUE AS WELL..
Product: Mortgage

freedom mortgage is company for 3 years ive been turning in 14 to be exact loan mitagation packets 3 years ago i called was putting house up for sale they said dont we want to help keep you in you house.since then theres been nothing but lies 14 times i turned in packets and every time same problem pay state ments out of date or missing pay statements i even had a lawyer tell me they havent seen a packet so organized and in order.well so much for that i was told to do it over when lawyer would not help i let them go.now two years this XXXX i have not had a kitchen because a small fire stove and cabinets damaged and needed paint.well for a year and 7 months they said painters itn number from irs was wrong till the va got involved and then they said it was a mistake, oh and insurance paid XXXX XXXX to get house fixed but because i was behind freedom would control money.well painter i would hire said XXXX XXXX to paint whole house but inside of closets now after two years paint wasnt XXXX.more where freedom mortgage said there not aloud to raise there price.well we got house painted and waited for the inspector to come so we could get rest of kitchen fixed well there inspector took wrong pictures and had to come back well i called him to find out what was going on where i was cussed out.now also last packet turned in for mitagation after va got involved they said everything was good and by 30 days id hear from them well they never got in touch with me, they have done nothing but lie and deny any help i know they are breaking laws and i know you have fined freedom mortgage i was want to be treated fairly
Product: Mortgage

We tried to obtain a forbearance with Peoples Mortgage in XXXX and there is a was a long wait. By the time the forbearance was approved a late charge in the amount of {$73.00} was assessed. I'm requesting this be waived as a first time courtesy. My husband lost his job with XXXX XXXX on XX/XX/XXXX. That is predatory that a company is assessing late charges on loans that can not be paid due to COVID and job losses.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with an incorrect account listed on my credit report. This issue has harmed my reputation, and I need your support to address it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX was charged off and purchased by XXXX XXXX XXXX in XXXX of XXXX. This account was settled, for a total of {$1100.00} in XXXX  of XXXX, yet XXXX XXXX is still reporting this account as negative. I recently submitted a dispute with XXXX to have this account updated and they added another charge off in XXXX of XXXX ; this incorrect reporting has had a profoundly negative impact on my credit score and my ability to secure potential new lines of credit and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue on my credit report is that it shows I have 2 accounts open for XXXX  XXXX  XXXX XXXX store and 2 different account numbers which I dont. I only have 1 account. I called XXXX XXXX and they said yes I only have one account yet on my report shows 2, one is current one shows delinquent one of them shows XXXX credit limit another shows XXXX. I last paid {$70.00} for my account in XX/XX/2020. The other acct shows {$40.00} paid XXXX? Not sure why. Also a XXXX  rep set my payment to be paid late monthly and I been getting charged late fees. I specifically asked to set auto pay a week before due date.
Product: Credit reporting or other personal consumer reports

I've requested to Equifax 3 times over XXXX week to no longer dispute and account and remove remarks from my credit report, including confirmation of my request via email to provide to my mortgage lender, and the specific account remains the same on my lenders side. 
On XX/XX/year> I was notified by my lender that I need to no longer dispute a specific account per the underwriters in order to receive approval for my mortgage. I called Equifax 's customer service phone number and submitted a request to no longer dispute XXXX XXXX, XXXX, remove remarks, receive confirmation via email to provide to my lender, and updated my address on file with Equifax. I was assured that my request regarding the dispute and remarks would be complete and should update on my lenders side within 72 hours. My request regarding a confirmation via email was explicitly denied with no reason provided. The address update I was told would be confirmed via mail within 30 days. I was provided confirmation number XXXX for this request. 
On XX/XX/year> I was notified by my lender that there had been no change on her end, and again, I need to no longer dispute a specific account per the underwriters in order to receive approval for my mortgage. I called Equifax 's customer service phone number for the second time and submitted a request to no longer dispute XXXX XXXX, XXXX, remove remarks, receive confirmation via email to provide to my lender, and updated my address on file with Equifax. I was assured that my request regarding the dispute and remarks would be complete and should update on my lenders side within 1 hour. My request regarding a confirmation via email was explicitly denied with no reason provided. The address update I was told would be confirmed via mail within 30 days. I was provided confirmation number XXXX for this request. 
On XX/XX/year> I was notified by my lender, again, that nothing had changed on her end and I need to no longer dispute a specific account per the underwriters in order to receive approval for my mortgage. I called Equifax 's customer service phone number for the third time and submitted a request to no longer dispute XXXX XXXX, XXXX, remove remarks, receive confirmation via email to provide to my lender, and updated my address on file with Equifax. I was assured that my request regarding the dispute and remarks would be complete and should update on my lenders side within 72 hours. My request regarding a confirmation via email was explicitly denied with no reason provided. The address update I was told would be confirmed via mail within 30 days. I was provided confirmation number XXXX for this request. 
While I show updates on my account on Equifax 's website, my lender sees no change. 
Equifax 's failure to do their job correctly is likely going to prevent me from purchasing a home.
Product: Credit reporting

I disputed an inaccurate item on my TransUnion credit report and requested that they do an investigation on the account. A few weeks later, I was informed by Transunion that the account was verified as correct so I contacted the alleged creditor ( XXXX ) myself. I spoke with a representative at XXXX and was told that I was no longer responsible for the debt, which was discharged via XXXX filing. I immediately contacted Transunion and requested the name of the representative at XXXX that they contacted and any documentation that XXXX provided to verify that I owed them a debt. TransUnion sent me a letter in response claiming that their investigation on the issue was complete while failing to provide any proof that they conducted any investigation at all! I have contacted TransUnion on many occasions by telephone asking what method is being used to continually verify this inaccurate information. Several representatives from TransUnion have told me that the way they conduct an investigation is by way of an electronic code sent to the alleged creditor, which is most likely the XXXX method. This is absurd.
Product: Credit card or prepaid card

XX/XX/2023, I received a letter from the Bank of America they temporarily credit my account the claim amount of {$3700.00} in my XXXX account. I called them after claiming that the XXXX was XXXX. I opened another case number over the phone with the fraud department. Today XX/XX/XXXX, I received a phone that the money stolen was rejected to replace. Someone opened an account with that money in my XXXX account of mine. I started another case number. I don't have any other accounts at Bank of America. How do I get this money back? XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX responded to XXXX My due date each month was due on the XXXX of each month. 
My payment history is as follows : DUE XXXX XXXX {$150.00} on XX/XX/XXXX XXXX XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$150.00} ON XX/XX/XXXX DUE XXXX XXXX {$160.00} ON XX/XX/XXXX AND ON XXXX XXXX $ XXXX My credit report still reflects a 30 days late payment on XXXX, Transunion and XXXX. The credit reporting agencies failed to validate the late payment. What procedure did XXXX, Transunion, XXXX use to follow " to assure maximum possible accuracy '' according to 15 USC 1681e- ( Compliance procedure ).

Where was my account 30 days LATE? Late payment is when a payment was not made for 30 days. In order for a late payment to be reported to a consumer report-the following must be met according to 15 US Code 1666b-Timing of payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX failed to provide proof that my periodic statement was mailed or delivered 21 days before my due date. 

I spoke with a representative at XXXX and the customer representative cited that my XX/XX/XXXX payment posted for XX/XX/year> payment and made my XXXX payment 30 days late. XXXX is deceptive in their response using a distracting long response and not addressing when the payment was due and when was the payment received-it 's just that simple. XXXX noted in their response that a payment was not received on my XX/XX/XXXX due date and was marked " delinquent '' when my bank statement clearly note the minimum due was paid within that same month-where was my account 30 days late???
Product: Credit reporting or other personal consumer reports

I did not authorize any of these creditors to obtain my consumer report. I never gave any of my information for these creditors so I want these removed off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I examined my credit report during XX/XX/ 2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.
Product: Mortgage

In XXXX of 2016 I recieved " true & certified '' copies of alleged mortgage documents from CitiMortgage via a Qualified Written Request ( QWR ). Upon reviewing the documents CitiMortgage ( acct # XXXX ) sent me the signature on the promissory note is not my signature and I did not sign the promissory note. This is forgery and fraud. Not soon after making complaints to various agencies I get a notice of the alleged loan being transferred once again to XXXX account number XXXX 
I received notification in the mail from Citimortgage an ACT XXXX NOTICE. This notice was addressed to me and my ADULT children. Notice XXXX instructing each one of us to seek a Consumer Credit counselor to apply for a HEMAP within 33 days.. or face Foreclosure. 
The issue at this juncture is the alleged loan being TRANSFERRED or FORECLOSED. 
How can Citimortgage get way with forgery/fraud and reap the benefits of such actions against consumers such as myself and others..Please HELP This is totally confusing PLEASE HELP
Product: Credit reporting or other personal consumer reports

I had a bunch of errors on my credit report I even tried to settle it to be deleted and it still appears on my credit report
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX in XXXX and 2 in XXXX. This is highly incorrect. 
XXXXXXXX  and XXXXXXXX  and XXXX. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Auto Lease. 

The account XXXX XXXX XXXXXXXX XXXX XXXXXXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXXXXXX  they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXXXXXX  until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card.
Product: Credit card

Macy 's Credit Card sent out a letter stating that they where changing there credit card agreement. I did not fine the new terms acceptable. I requested they close the account and send me a letter that the account was closed and they had removed me from there database. I recieved a letter stating that the account was closed. There was no wording in the letter that stated my information was removed from the database. I called the Customer Service number ( XXXX ) XXXX and spoke to a representative. 
I spoke to XXXX from the XXXX AZ call center with ID # XXXX and explained that I wanted my social security number removed from there database in case of a data breach or if they where unable to do that a letter stating that they would be responsible for any issues of a data breach due to hacking of there system. XXXX quoted " I am not at liberty to send that letter and unable to remove your social security number from the database ''. 
The transactions are handle by XXXX XXXX but the financial institution which issues and administered is XXXX.
Product: Credit card

Ive made a significant number of valid transaction requests, which were denied for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Mortgage

DURING XX/XX/XXXX I HAVE MADE ( OFFERED ) ONE PAYMENT OF {$1500.00}. - SEVEN PAYMENTS OF {$1400.00}. AND ONE CASHIERS CHECK OF {$2900.00} TO PHH MORTGAGE. THESE AMOUNTS TOTAL {$14000.00}. 

PHH MORTGAGE IS PURPOSEFULLY MANIPULATING AND REJECTING PAYMENTS MADE TO THEM. EXAMPLE, IN XX/XX/XXXX I MADE A {$1500.00}. PAYMENT TO PHH MORTGAGE AGAINST A REQUIRED AMOUNT OF {$1300.00} PAYING IN {$130.00} EXTRA. IN XX/XX/XXXX PHH BILLED A {$120.00} ESCROW SHORTAGE ( SEE XX/XX/XXXX/17 PHH LETTER ). I NEVER RECEIVED THIS BILLING. IN XX/XX/XXXX PHH REJECTED MY {$1400.00} MONTHLY PAYMENT AS IT DID NOT COVER THE {$120.00} ESCROW BILLING AND THE REQUIRED {$1300.00} AMOUNTS THEY WANTED. THEY RETURNED 4 OF THE NEXT 5 PAYMENTS. THE XX/XX/XXXX THEY KEPT BUT IT DOES NOT SHOW ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '' THEY REPORTED FALSE INFORMATION TO THE CREDIT BUREAUS SEVERELY DAMAGING BOTH MINE AND MY EXWIFE 'S CREDIT RATING. THEY HAVE PURPOSEFULLY DID THIS TO US AND ACCORDING TO MY REALTOR AGENTS HAVE DID THIS AND WORSE TO OTHERS. 

I REQUEST AN IN DEPTH ACCOUNTING OF PHH MORTGAGE AND ITS UNFAIR TACTICS. THEY DID NOT APPLY MY XX/XX/XXXX PAYMENT ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. NOR DID THEY RETURN THIS PAYMENT TO ME LIKE THEY DID WITH 4 OTHER MONTHLY PAYMENTS MADE TO THEM. I SOLD THE PROPERTY AND PHH TOOK {$120000.00} OF THE PROCEEDS AGAINST A BALANCE OF {$110000.00} SHOWING OWED ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '', A DIFFERENCE OF {$2200.00}. 

I WANT PHH TO 1. RETURN MY {$1400.00}. THEY HAVE NOT APPLIED TO MY LOAN. 2. RETURN THE {$2200.00} THAT WAS MORE THAN THE AMOUNT PHH TOLD ME AND THEIR " CUSTOMER ACCOUNT ACTVITY STATEMENT '' INDICATED WAS DUE. 3. ALL LATE FEES AND OTHER MALARKY NEEDS TO BE REPAID. 4 MOST, IMPORTANTLY PHH MORTGAGE NEEDS TO CORRECT CREDIT BUREAU INFORMATION ON BOTH MY EX-WIFE AND MYSELF, AND PROVIDE PROOF OF DOING SO.