23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Previous complaint resulted in case #  XXXX  and is closed but not resolved.     This  XXXX  account was opened on  XXXX / XXXX / 12  under my ex-wife 's name and address, but using my last  XXXX  SSN digits. There were {$280.00} charged in unreturned equipment, and {$100.00} in 'other ' charges ( service ). She called a few weeks ago, confirmed that this is her responsibility, and said she paid the {$100.00} and is making arrangements for the remaining amount. However, this is still showing as a collections account on my  XXXX  report and needs to be removed.     What do I need to do to have this account removed from my credit report?
Product: Debt collection

Ive been contacted for over a year from different numbers and I had talked to them over a year ago and they mentioned that I owe apartments I applied to but never moved into. I told them I never even received my refund after denying the apartment once i saw it wasn't the upgraded apartment my brother and I paid for. They said that the first months rent is going to go on both me and my brothers credit anyway which obviously reflects negatively and I want it completely removed from my credit. I will advise my brother to file a complaint as well because this has gone on too long and is now a derogatory mark on my credit
Product: Mortgage

In XX/XX/XXXX, we received a delinquent tax notice for XXXX XXXX, Alabama XXXX taxes for Parcel 13 000 18 2 002 011.001 ( primary parcel on mortgage deed is 13 00 18 2 002 011.000 ). XXXX  XXXX  ( # XXXX ) was the servicer at that time. They were contacted by phone. The Tax department stated that they would pay the taxes from escrow and that XXXX would cover the penalties & interest since they were obligated according to the mortgage documents. 

In XXXX, XXXX, the mortgage was transferred from XXXX to Freedom Mortgage ( # XXXX ). I attempted to reach out to XXXX for a followup regarding the taxes but was referred to Freedom Mortgage. Freedom Mortgage tax department representatives stated that they were going to ensure that the tax payment had been made. 

On XX/XX/XXXX, after receiving another yet another delinquent tax/lien/foreclosure notice from XXXX XXXX- now for XXXX & XXXX - I contacted Freedom Mortgage ( XXXX ). The tax representative stated that XXXX & XXXX outstanding taxes, fees would be paid. 

On XX/XX/XXXX, I received a text message from an XXXX XXXX wanted to obtain the threatened property. Since it was a holiday and the tax office was closed, I contacted the closing attorney ( XXXX XXXX XXXX XXXX XXXX ) & spoke with Attorney XXXX. He accessed the county 's records & verified that the lien was still in effect. 

On XX/XX/XXXX, another XXXX Assessor delinquency/lien/foreclosure notice was received via mail. The original bill was around {$60.00}, and now the balance totals around {$300.00} ( interest is charged daily ). There is currently a lien on the property and threat of foreclosure as a result of the outstanding taxes & fees. The original bill was around {$60.00}, and now the balance totals around {$300.00} ( interest is charged daily ). 

Both XXXX XXXX Freedom Mortgage are failing to provide contractual obligations for this mortgage instrument.
Product: Credit card or prepaid card

On XX/XX/2022 I went to check my statement on my XXXX XXXX XXXX, which is through Comenity Bank or Bread Financial. There was an error stating that they were delayed with scheduled maintenance and the online site should be back soon. I was able to make a payment that day, but it hasn't posted in my account statement from the account I paid it from. 
I went to check my statement again as my payment is due on XX/XX/2022. I wanted to schedule my payment and needed to check my statement to figure out how much to pay. The website is still down, and it wouldn't even allow me to log in like it did on Sunday. 
I have tried reaching out to customer service and their phone lines are off. Comenity is responding on social media just saying that regular maintenance is taking longer, but they never warned us that there would BE any maintenance. 

I bank with XXXX and XXXX XXXX as well and there's always notice before they do anything that would limit access to accounts. 

Cards are being declined, payments aren't being processed, customer service isn't even available ( which is the alternative for payments ), and the social media presence is repeating the same thing. I am worried that their security was breached and my safety and information is at risk. 

My job also measures my performance based on how many of these credit cards that I sign people up for, but I am not comfortable offering a service that is unsafe and unreliable. 

As of XXXX minutes ago, the service is still down and there is no way to make payments. Comenity states that they will waive late fees if your payment is due today XX/XX/2022 with the cut off for waiving fees being XX/XX/2022. With how long it has been since their services have been completely inaccessible, there is no guarantee that anyone will be able to access their accounts by then. 

This is despicable on their part, and there should be some consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX for my auto loan account. 

I want you to know that I understand my financial obligations, and if it werent for COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made effort to ensure I contact you all about any financial assistance when needed. Since XX/XX/XXXX, Ive had a spotless record of on-time payments. 

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 2 late payments reported on XX/XX/XXXX and XX/XX/XXXX. It would also help if you removed the late payments from XXXX and XX/XX/XXXX as well. 

While Im well aware that your purpose is to report late payments, I am also aware that you are under no obligation to report any of these late payments to the credit bureaus. 

That being said, your full cooperation in deleting the late payments is appreciated. 

Thank you for your consideration, and I hope youll approve my request.
Product: Mortgage

OnXX/XX/XXXXFay Servicing Loss Draft Dept received my package concerning a damage loss at a rental home that I own, XXXX XXXX XXXX XXXX, Fl XXXX This package contained two checks from my insurance company made payable to me and Fay Servicing. I enclosed their completed paperwork, that they requested. I have already paid to repair the home out of my pocket so my tenant would be able to live in the home This happened in XXXX. To date,XX/XX/XXXX, I have not received my insurance money back from Fay Servicing. I have not been contacted by their inspector to verify that the work was completed. I have called every day to their customer service dept and have gotten no help from them. This is totally wrong I am the one who suffered the loss, I am the one who pays the insurance premiums, and they are holding my money. Please help me get my insurance money sent the me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following unauthorized hard inquiry on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Section 604 and other applicable laws : XXXX  XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any hard inquiry on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications with these institutions. As per FCRA 609 ( a ) ( 1 ), I request full documentation of my written authorization for these inquiries. If no such authorization exists, the inquiries must be removed immediately per FCRA 611 ( a ).

Failure to comply with this request within the legally mandated timeframe may result in further action, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please provide written confirmation of the removal of these inquiries at your earliest convenience. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 120 days past due on the XXXXXXXX XXXX partial account number XXXX. This account has been paid off. The status and coding of this account needs to be changed. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 this company accessed my credit report and shared information that is inaccurate, false, derogatory, and outdated causing me to be denied an apartment along with a {$40.00} fee by providing a property management company with inaccurate, derogatory, false and outdated information. They also violated the FCRA by not verbally obtaining my permission to access or share any information on my consumer report and this was done in spite of me placing an extended fraud alert on my credit file to inform them that this request must be followed. This is unacceptable and has not only cost me in money but time. This problem has continued despite my prior attempts to resolve it. My next step is litigation. Hopefully this can be settled and resolved before I have to spend more money and time to rectify this matter. Attached you will find recent examples of what my address is. Attached you will also find a copy of one of the judgements that has been paid in full. 2 misdemeanor charges I received a deferred judgement on and I can send a copy if requested by email if asked. Information that is currently on file with this company is inaccurate, false, derogatory, and outdated. FCRA was violated by sharing this incorrect information with property management company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX resulting in their denial on my application. It is not good business practice to provide false information to clients and is misleading to myself as a consumer for them to not follow the laws in the FCRA. These are violations each of which constitutes a {$1000.00} fine should I decide to go to court which if not fixed will be my next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid by debt consolidation company XXXXXXXX XXXX XXXX  reported a XXXX balance to XXXX in XX/XX/2022. This company started sending a bill to an old address and I never received a balance on the account until it showed 90 days past due on my credit which then alerted me to an issue.
Product: Debt collection

I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
Product: Credit reporting or other personal consumer reports

I am formally disputing the hard inquiries reflected on my credit report which were added without my consent, pursuant to section 604 of the fair credit reporting atc ( 15 U.S.C 1681b ), there are specific permissible purposes requered to report a hard inquiry on my credit report. I did not authorize these hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my report. please DELETE HARD INQUIRIES XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I Don't know and i never have I entered to any agreement with Wakefield and associates. I have a flawless payment history with a XXXX score that's is now trash because of this inquiry. 


Please help!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXX XXXX solutions, orignal creditor is bridgecrest. I requested an original copy of contract with my signature around 30 days ago. They have not provided me with the contract
Product: Debt collection

On XX/XX/2022, I received a letter from ARS National Services , Inc. about a debt they were trying to collect. I did not recognize this debt, so I sent them a debt verification letter, requesting information including, but not limited to : -Name and address of the creditor to whom the debt is currently owed -Copy of the signed agreement that created my original requirement to pay -A copy of the last billing statement -When the creditor claims this debt became due and when it became delinquent -Information about the firm 's authority to collect this debt. 

In this letter, I also requested that no telephone or email contact be made by their office to my home, my place of employment, or my mobile phone. 

On XX/XX/2022, I received a packet from ARS National Services. This packet was just a bunch of printouts of statements from XXXX that I do not recognize. They failed to provide any copy of an entered agreement to pay, as requested in my letter, as well as information on when the debt became due, delinquent, etc. 

In the past month, I have also received numerous emails and phone calls from ARS National Services as an attempt to collect this debt. Based on all of the information I have, it seems to me that ARS National Services are engaging in predatory debt collection practices. I am not sure if they are a scam debt collector, but it would not surprise me with these tactics. 

I drafted a letter to send to them to notify that I will be informing the CFPB of these practices, but am afraid to send it to them presently with the current frequency of their calls and emails. I am getting daily emails and calls from new numbers trying to bypass my spam filter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was with XXXX federal. XXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today report showing accurately total revolving credit utilization of XXXX out of a total of XXXX in credit limits. 
However, it is falsely reporting this 46 % utilization ratio as 100 %, resulting in reporting of credit score over XXXX pts lower than it actually is. 

Separately, XXXX XXXX  is being falsely reported as late when creditor has confirmed it as current as of XX/XX/22 XXXX, XXXX XXXX is being falsely reported as late when creditor has confirmed it is current as of XX/XX/22 The total effect of these false items is a reporting of credit score over XXXX pts lower than it actually is
Product: Mortgage

I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. However they had everything except the final inspection done. So I pulled my loan from them another lender looked at it and said the reason they ca n't close is the paper work us bank had set up was wrong and would not be a qualifying loan.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Inaccurate Charge-Off Reporting ( JPMCB CARD ) To Whom It May Concern, I am formally disputing the inaccurate reporting of a charge-off on my credit report from JPMCB CARD. This account is being reported incorrectly and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 

Errors Requiring Removal : XXXX. Incorrect balance reporting The account is charged off but is still reporting a balance of {$3700.00}. If this debt was sold, JPMCB must report a {$0.00} balance and stop updating the charge-off. 
XXXX. Duplicate reporting If the debt has been transferred or sold, JPMCB and the collection agency can not both report the same debt simultaneously. 
XXXX. Incorrect date of first delinquency ( DOFD ) If the charge-off date has been altered, it violates FCRA 15 U.S.C. 1681c ( a ) and extends the reporting period illegally.

4. Failure to verify the debt Under FCRA 15 U.S.C. 1681i ( a ), if JPMCB can not provide accurate verification, this trade line MUST be deleted. 

If this dispute is not resolved immediately, I will take the following actions : File complaints with the Federal Trade Commission ( FTC ) and the XXXX  State Attorney Generals Office for your failure to comply with federal law. 
Hold XXXX legally liable under FCRA 15 U.S.C. 1681n for knowingly reporting false information, which makes you subject to statutory damages, actual damages, and legal fees. 
Demand a full deletion of this tradeline due to XXXX failure to verify and report accurate data. 

This is your final opportunity to correct or delete this inaccurate information. I demand a written response within 30 days, as required by FCRA 15 U.S.C. 1681i ( a ).

Attached is a copy of my credit report with the JPMCB CARD charge-off highlighted. If this matter is not corrected, I will escalate accordingly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts, incorrect names and incorrect addresses which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$490.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Debt collection

Credit Management Opened XXXX XXXX, 2012 {$430.00} Original creditor : XXXX XXXX
Product: Debt collection

XX/XX/year> contacted company about a XXXX account that doesn't have my correct information.
Product: Debt collection

After getting out of prison in 2020 I checked my credit, I'd been gone for XXXX  years and previously been contacted by the IRS who informed me I was a victim of identity theft when someone used my social to avoid their income tax by having nothing withheld from their paycheck. It was easily proven that I was unable to do this as I was in custody. So once I saw this report that I owed XXXX XXXX and now that debit was being pursued through a company called XXXX. I filed disputes with all XXXX credit bureaus and with XXXX XXXX XXXX in am attempt to remedy this. After no success I contacted XXXX XXXX on XXXX, I was told to fill out a Affidavit of Identity Theft and a police report, I did both and am waiting for this to be removed. This negative report has cost me money, time, and opportunity. I was just paid in the XXXX data breach as my information is routinely found on the dark web and I don't understand why it's so difficult for this to be proven its not mine, for all the above mentioned reasons this should be removed and I should be paid for the anguish this has caused. I just want it removed.
Product: Mortgage

On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been patient... I've been kind. I've been writing Experian for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. Their 30 day investigation took only 8 days to complete and respond ( including mail time ). What a joke. They didn't investigate anything. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since Experian will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Experian 's business model seems to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan on XX/XX/XXXX with JPMCB Auto Finance and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX JPMCB Auto Finance pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called JPMCB on XXXX separate occasions over the past XXXX months and they have not removed the unauthorized inquiry. 

JPMCB Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See page XXXX Regular Inquires of the attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal probation officer, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports.

I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was incarcerated for a number of years and the attached police report detail and the letter from my probation officer prove that. Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter.