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

I discovered some inaccurate accounts on my credit report tonight and am unsure why they appeared. I checked my report as I normally do, but this time there were inconsistencies that seemed to come out of nowhere. I tried refreshing my browser, thinking it might be a temporary issue, but the inaccuracies persisted. As a result, I am requesting that the documents I provided be carefully examined so that I can be assured this problem is resolved.
Product: Mortgage

My mortgage servicer refuses to properly apply my payment. 

A payment was sent for {$4200.00} on XX/XX/XXXX. After speaking with one of the agents I found that it was short since my escrow was adjusted. I then sent a payment of {$200.00} on XX/XX/XXXX. Instead of applying this payment, the company returned it to me. 

On Friday ( XX/XX/XXXX ) I spoke with XXXX in customer service. I made an additional payment over the phone for {$200.00} to ensure it was not returned and applied to my account. 

Today, I checked my account and it still shows it's past due as the {$4200.00} that was paid in XXXX has not been applied to the account. I can not express how deeply frustrated I am by this company 's continued competence. 

I called again today on XX/XX/XXXX and the agent I spoke with, XXXX, said this case was too complex and he could not help me and needed to have someone call me back.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 a debit for XXXX was posted and debited to my acc from XXXX XXXX. I had an agreement with my apartment complex to pay my rent on XX/XX/2020 and was unable to do so because my payment rejected. There was a pending transaction from XXXX XXXX that caused me not to have enough money. I called XXXX XXXX and customer service advised me it wasn't them even though the debit stated XXXX XXXX  on it and I was transferred to a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX After I was verified I advised the representative that was my stimulus money that was for my already late rent. She advised that they could do this because it's in my agreement. I advised her why now after two years. Every time they attempted within the first six months of non payment I was sent an automatic email of the decline of payment. I received the letters that it was being charged off and going to collections. I've had my tax return earlier this year which was more than my stimulus and they never debited. I'm unemployed due to XXXX   XXXX and recuperation so that money or any money I get helps. Which brings me to believe that XXXX XXXX and AD Extra Recovery unlawfully used my social security number, debit card and checking account in and tracked my stimulus check through the IRS.
Product: Credit card or prepaid card

I had Chime card for over 2 years. I applied for a loan for my business it was a XXXX LOAN I received XXXX and it was working the all of a sudden they ( Chime ) closed my account with XXXX still in my savings. I called Chime and they wont tell me any info besides I broke a compliance with Chimes regulations but Im not sure how when I was Doing the same exact payments since I have had the card the past 2 years! All of sudden they close my account and say they will mail me a Check if I had money on there! But I did I had XXXX in the savings this was to help me pay my business and employees!
Product: Debt collection

I had a loan with XXXX XXXX XXXX, XXXX that was sent to MRS BPO for collection. When I became aware of the collection account I reached out to XXXX XXXX XXXX XXXXXXXX to settle the debt and have it stop reporting to my credit report. XXXX XXXX XXXX, XXXX agreed to a " pay-to-delete '' solution for the debt and instructed me to make the payment to MRS BPO. On XX/XX/, I made the payment to MRS BPO and it was posted to my account, I was given a receipt which was also sent to XXXX XXXX XXXX, XXXX. Over a month later the item remains and is reported to my credit report. I reached out to XXXX XXXX XXXX to inquire about why the item is still being reported and to confirm that they received payment confirmation. They did receive confirmation but the item is still reporting and hasn't been removed as previously agreed upon. MRS BPO has also contacted me requesting payment for the same account again even after it was settled on XX/XX/. MRS BPO is now attempting to collect on the same debt, but this time they're using a different account number. I contacted MRS BPO and they stated that the debt came from XXXX XXXX XXXX, XXXX and they can not do anything about it until it is paid. I contacted XXXX XXXX XXXX XXXXXXXX and notified them of what MRS BPO said but they denied sending them the debt and confirmed that the only debt that they did send to MRS BPO has been settled.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the account. XXXX - XXXX XXXX XXXX Balance : {$0.00} If XXXX and TransUnion feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I have fixed mortgage rate of XXXX FHA loan. Each year my mortgage payment has increased. I got this loan in XXXX of XXXX. My loan number is XXXX. When I originally got this loan my payment in XXXX was {$880.00}, in XXXX it went down to {$880.00}, in XXXX it went up to {$890.00}, in XXXX it went up to {$920.00}, now XXXX its increasing to {$1000.00}. 

While each year my payment is increasing my escrow has a shortage. Ever since I bought my house it has increased by {$110.00}. This year I have a shortage amount of {$2000.00}. 

I ask for a brief explanation of what exactly is causing my escrow fluctuation. I do understand this has to do with taxes and insurance however, I have my own mortgage insurance with Foremost, which it doesnt make sense taxes being that high please send me a detailed letter of what information you received to determine my escrow shortage and amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX SERVICING # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : Bridgecrest XXXX 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 contacted " XXXX '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). 
My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. 

Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).
Product: Debt collection

I disputed this debt XXXX 2016 and it was taken off my XXXX  credit report and now they put it back on my credit report without sending me a letter stating I owed the debt giving me the opportunity to reply. This is not a loan it is a pell grant that does n't have to be paid back.
Product: Credit reporting or other personal consumer reports

I have all these inquiries for auto loans I have never applied for I dont even have a drivers license and never have
Product: Credit card or prepaid card

XX/XX/XXXX : Merchant " XXXX XXXX '' charged correct amount of {$400.00} for " moving service ''. The merchant then continued to manually charge my credit card number without authorization for additional {$400.00} on XX/XX/XXXX and again {$400.00} on XX/XX/XXXX. I contacted the merchant multiple times and could not get a response. I contacted Chase credit card Fraud service and went through the fraud steps -- submitting a letter and text message documentation supporting my argument. Chase reviewed my documentation and refunded my fraud charge. Then the merchant " XXXX XXXX '' responded to chase without documentation and Chase Bank went back on their decision and charged my account an additional {$400.00}. I tried working with them further but received no help. I cancelled my credit card and changed banks because further issues occurred where Chase was withholding my other funds without reason. Over 6 months after cancelling, I received late bills from this credit card. I called to resolve and got some of the late fees taken care of but not all. I just received a letter that my credit score has been negatively affected by this fraud charge and incurred late charges due to the incompetence of the credit card service not shutting my card off.
Product: Checking or savings account

I have i deposit on my account for the amount {$2600.00} still show pending for more the 10 day i not understand why my money still pending transaction wast XX/XX/23 i need you to put my money on my account
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit filed, I have a fraudulent account since 2020. XXXX  and XXXX  both investigated the problem and removed the error. So I am asking for your help. I have contacted the XXXX, where the account was originally opened. They sent me the application as requested. After a careful review of the application. The signature on my application isn't my authentic signature matching my driver 's license Also, they do not have XXXX XXXX XXXX in the XXXX system. Instead, they only have XXXX XXXX in their system. Why does that matter? On the form, it says you must register your new name. Why didn't the school require the name change. If I attended classes in XXXX
Product: Money transfer, virtual currency, or money service

It has been three weeks since I requested from Paypal : copies of all messages exchanged between Paypal Customer Service and me in the Paypal Message Center ; list of all transactions on my Paypal account since its opening ; and list of all methods of payments used on my Paypal account since its opening. 

The Paypal Message Center does not offer the option to download transcripts of messages ; I can only take screenshots of whatever is displayed on the screen. 
The statements currently available on Paypal also only go back three years. 
It is important that I get access to my data and to the records requested as soon as possible and it shouldn't take so long for a company as big as Paypal to provide the records requested.
Product: Credit reporting or other personal consumer reports

I sent XXXX XXXX XXXX a letter on XX/XX/2023 explaining that I have a right to opt out of credit reporting. The information still remains on my credit report. Per the Fair Credit Reporting Act 15 USC 1681 section 602 a state, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, this is guaranteed by 15 USC 6801 which state, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX ( XXXX ) is a financial institution under that title. 
15 USC 1681 section 604 a section 2 state that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX and the Consumer reporting agencies XXXX, Experian and XXXX do not have my written consent to furnish this information.
Product: Mortgage

I were depressed after my father was passes away from XXXX 2020, the first wave of XXXX with no vaccine. I was really frighten and depressed. I left my job, because the environment is a high volume. After taking a year break of everything, it was hard for me to get a job to fit with my environment. My house mortgage went up so high, at least {$600.00} more. I tired to apply loan modification, and I got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX and TransUnion credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX  and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Debt collection

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, lowa XXXX Subject : Formal Complaint against L J Ross Associates, INC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against L J Ross Associates, INC for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that L J Ross Associates, INC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with L J Ross Associates, INC, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that L J Ross Associates, INC provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If L J Ross Associates, INC is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with L J Ross Associates, INC is blatantly false. I neither received any services or products from L J Ross Associates, INC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that L J Ross Associates, INC is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of L J Ross Associates, INC constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Citi. It was sent to collections in XXXX. I was XXXX XXXX as a XXXX XXXX of a XXXX XXXX in my local area and going through financial difficulty at that time. Since XX/XX/XXXX the account has been resolved and paid done to a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX $ XXXX.You are reporting this collection as as OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed. Please remove this unauthorized / inaccurate collection off my report.
Product: Credit reporting or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX inquiry date XX/XX/year> XXXX XXXX  inquiry date XX/XX/year> XXXX inquiry date XX/XX/year>