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

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( Experian, XXXX, and XXXX ), with the following discrepancies : Experian : The account is reported as closed, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 

Additionally, both Experian and XXXX have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.
Product: Mortgage

Carrington Mortgage Services made repeated mistakes to our Escrow account, resulting in excess charges to us that were eventually refunded. This overcharge/refund occurred 3 years in a row. 
Last year, our home burned down. We updated our address with Carrington and made on time payments every month and also placed several hundred thousand dollars of Insurance funding in Escrow with Carrington during the rebuild. Though in ongoing communication with us throughout this time, depositing insurance funds and issuing draws for the rebuild, Carrington overcharged our mortgage escrow again, sent notices to the old address, then reported we were seriously delinquent on mortgage payments to Credit Agencies. They then, again, admitted the mistake and refunded us the erroneous charges. When asked to retract the highly damaging and incorrect report they had made to Credit Agencies resulting from their own mistake, they refused. The repeated mistakes made by Carrington Mortgage Services Escrow accounting, followed by defaming reports to Credit Agencies and the refusal to retract said reports has damaged our Credit Rating and our ability to recover from our home burning down. They have taken a tragic loss to our family and made it significantly worse through repeated accounting errors and callous disregard for the accuracy of their credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXXXXXX  I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.
Product: Debt collection

I disputed the account with XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX notifying them that the account they were reporting was questionable due to the inaccurate information that was being reported. It later showed on my updated credit report comments that I had not satisfied debt which is not factual. I then attempted to contact the company directly on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) to notify them via certified mail that the account they were reporting on my file was inaccurate and outdated and for them to give me the process by which they verified this debt. I have not received a response from them nor have they removed the account from my credit file which is gravely impacting my credit standing.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report even after your investigation and reinvestigation. The payment history is INACCURATE, I have contacted XXXX XXXX  personally and was advised that they did not have any information in regards to the payment history for these accounts, and therefore I am demanding documentation on how your company was able to verify these accounts. If you can not produce this information I DEMAND YOU DELETE THESE ACCOUNTS IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 

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

I received a letter from the Department of Education on XXXX  stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, Equi Fax, and XXXX XXXX frequently. I contacted XXXX XXXX by email and phone call on XXXX XXXX  and XXXX The student loans with XXXX XXXX ( for XXXX XXXX XXXX XXXX ) student loans were discharged based on a letter from the U.S. Department of Education on XXXX  stating that the Department is discharging my loans without requiring I file an application because of the per. XXXX and / or XXXX ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for XXXX XXXX  ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from XXXX, EquiFax, and XXXX.
Product: Credit reporting or other personal consumer reports

All three credit bureaus Experian XXXX, and XXXX have failed to fulfill their legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Under 15 U.S. Code 1681o, I am exercising my right to seek a correction of any information that is reported negligently or inaccurately. I am requesting that you conduct a reasonable investigation into this matter and correct any discrepancies found. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, for failure to provide evidence of investigation and much more. Well these failures has been my experience with them, no one has send me any documentation in regards to my dispute. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Removal of all late payments and closed accounts It's presence on my credit report is harming my credit score and overall financial well-being. As required by the Fair Credit Reporting Act, I am requesting immediate corrective action to remove the disputed accounts as these credit bureaus inaction violates federal law and my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute.. 

I will also attach all the information and dispute letters in attempt to resolve this with the credit bureaus. Yet nothing was sent to me from them, just my report claiming to be verified.
Product: Debt collection

Amsher Collection agency XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX XXXX reported a debt from XXXX to all three major credit bureaus on XX/XX/year> account number XXXX in the amount of {$4100.00}. I later contacted the collection agency to inquire about the debt and was told that they no longer had the debt in their company it wasn't handled in a timely matter. It was transferred to XXXX XXXX law firm ; I was given a phone number to contact them XXXX they had no knowledge of my account.
Product: Credit card or prepaid card

As part of a promotional plan through Comenity Bank and XXXX XXXX in exchange for a low APR I was charged extra fees of which I was aware. I routinely made extra payments above and beyond my normal monthly payment and asked them to pay off different promotional balances with those payments. The company refused to allocate the payments as directed. Instead they kept the promotional accounts open as long as possible to charge more fees. They would keep a {$2.00} balance on a promotional plan and change {$2.00} in fees month after month. I paid over {$500.00} a month every month when the minimum payment was much much less and additionally I made separate individual payments to pay off these balances. I utilized their own " secure message center '' and phone calls to dictate how payments were applied, as they requested I do. The directions were ignored. I called repeatedly to rectify this problem. After one of the phone calls the messages on their " secure message center '' that I had sent with my payment directions all vanished. Luckily I have copies. When they refused I asked for a payoff amount. I promptly paid that amount the same day and closed the account. Again I received a bill for {$15.00} more dollars in fees. I am being threatened with credit bureaus reporting for this amount in their last communication. The account was paid off 2 weeks ago and has never once been late. I have great credit, a long history of credit accounts and am a conscious consumer. I will NEVER utilize any comenity product again. I will also not be shopping at XXXX XXXX any more for their support of these predatory lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've advised Transunion of XXXX being a fraudulent account about a month ago, and the account is still on my credit report as being verified accurately. 

I have attached a FTC report to prove this information.
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXX XXXX is a fraudulent account and does not belongs to me this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.
Product: Mortgage

I was given a loan modification XX/XX/2015 and my mortgage payment was never lowered. My financial circumstances have changed drastically and I reapplied and was denied. No reason given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed this complaint with your agency under complaint # XXXX. 
The issue is not with the XXXX Card that was opened in 2000. This is a new XXXX  card that is under my daughter 's name and I am an authorized user. I have been an authorized user for approximately 10 months and no information is being reported by Experian. I have spoken with XXXX and they said they have been reporting this information to Experian.
Product: Mortgage

Servicing of my FHA mortgage with Chase was transferred to XXXX as of XXXX/XXXX/2016 effective XXXX/XXXX/2016. I received no letter from either party ( Chase or XXXX ) regarding this transfer. 
On XXXX, I received a final tax statement for my mortgage with Chase, and called them to see why I was receiving a final tax statement. They informed me my mortgage was transferred to XXXX and that I should contact them. I informed them that I received no letter/communication from Chase or XXXX ... they 're response was " well, the loan is with them, you need to call them ''. I called XXXX today, every bit of information the representative gave me was inaccurate and when I corrected her of the legal obligation to send a letter, she said " oh, ok. Yeah that sounds right ''. This nonchalant attitude is not only unprofessional, but it 's scary. 
I asked her to confirm that late charges would not be assessed because of the grace period and she cut me off and said " you 're late, so you have to pay fees ''. I reminded her that LEGALLY there is a 60 day grace period with transferred loans, her response was " oh, ok. Yeah that sounds right. Well, if that 's the law then you wo n't get fees. ". I 'm terrified that we will lose our home due to their inept and predatory practices. What are the options?
Product: Mortgage

I am in the process of completing a modification agreement with the lender, Wells Fargo Home Mortgage, loan # XXXX. As part of that process, Wells was to automatically withdraw the second of three payments from my checking account on XX/XX/XXXX. On Friday, XXXX/XXXX/2016, I checked and the payment still had not been withdrawn from my account. I contacted Wells Fargo and was advised that my loan and the attendant servicing had been sold to XXXX. At no time had I received notification of the sale of my loan and in particular I did not receive any notifications at least 15 days before the effective date of the transfer or XXXX/XXXX/2016. No electronic, telephonic or written communication was received. Wells provided the contact number for XXXX and the account number that XXXX has assigned to my account. I contacted XXXX on XXXX/XXXX/2016 and they confirmed that my loan had been sold to them and they confirmed that my modification agreement would be honored. I have to check on XXXX/XXXX/16 to determine if the second payment is withdrawn from my account and if not, I will have to contact them and make arrangements to have the second payment withdrawn from the account and establish an autowithdrawal capability to pay the mortgage each month on the first of the month. Wells did not provide any of the auto withdrawal information I had established with them. In speaking with the XXXX personnel, she advised that they had received many calls from individuals having Wells mortgage loans sold to XXXX and no notification was provided advising of the sale of the loans. Required good-by transfer letters were not sent in accordance with established guidelines.
Product: Credit reporting

XXXX " forward dates '' XXXX charge offs. Thus the " drop off dates '' are almost a year past the seven year term mandated in the Fair Credit Reporting Act. 
The XXXX main credit reporting agencies reports sometime report the correct first delinquency 's but they incorrectly designate the " drop off dates ''. 
Additionally, XXXX deletes the contradictory information from ( my ) credit report ( s ) when a dispute occur ( ed ) - thus eliminating the evidence of their misreporting found in the credit report.
Product: Checking or savings account

on XX/XX/XXXX between XXXX and XXXXXXXX XXXX i entered the capital one cafe XXXX hr atm lobby located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX to make a cash deposit in the sum of XXXX $ $ in cash at the secure atm the atm ate the money started giving error codes gave me my card back no made a bunch of noise then said error not taking cash deposits and did not print receipt i then checked my account and there was no record of the deposit so while still at the atm i called the number on it and was assured that as soon as they opened they would count the money and see the overage to call back in the am after a restless night as the money i deposited was to pay medical stuff i need done.so i call as soon as they open they say they are working on it still nothing now this should be a simple fix some one goes to atm counts the money sees the overage and all is good that is not the case after calling muiltable times the main supervisor now tells me they havent even started the investigation the will not credit my account even though i am in there bank on camera making deposit she then tells me that they haven't even sent someone to the atm to do a count and that it could take 45 days how is this possible my bills are do now they are doing absoulutly nothing to help me please please tell me what to do i am about to have late payments on my credit an my surgury postponed if not resoved
Product: Checking or savings account

I recently opened up an Apple Savings Account, which I believe is actually run/managed by Goldman Sachs XXXX XXXX ). There was no problem opening the Savings Account online, and no problem having cashback deposited from my XXXX Credit Card directly into the Savings Account. 

However, now that I'm trying to withdraw money from the Savings Account ( from accumulated cashback from my Apple Credit Card ) to my personal checking, XXXX now tells me ( on XX/XX/2023 ) that I have to " verify '' the checking account I'm trying to withdraw funds into. XXXX opened a text chat window ( on my XXXX ). After texting with customer service, the XXXX told me that I have to call ( can not text/chat ), and have to do so between XXXX XXXX Monday to Friday. ( It was Saturday afternoon when I was trying to take care of this. ) Honestly, this feels like a huge bait-and-switch. XXXX pushed this XXXX Account very heavily through my XXXX ( before sign-up ), and I don't remember needing any information other than my SSN to sign up ( in addition to my name, address, etc. which I already have on file with XXXX and which I believe was entered automatically ). It seems very shady : ( a ) to not actually have a full/working account upon sign-up, ( b ) to hide this fact until XXXX XXXX ( in my case, weeks later ) when the customer attempts a first withdrawal, and ( c ) to then give the run around ( chat, then told to phone but only during certain weekday business hours -- whereas " opening '' an account seems to be available XXXX/XXXX/365 ). 

At the very least, I should be able to apply my Savings Account balance as a payment to my Apple Credit Card ( which I opened long before the Savings Account ) without going through this verification process. Instead, XXXX XXXX XXXX XXXX me up '' for an account that isn't actually fully mine ( yet ), insofar as I can't access the money in any fashion until I take additional verification steps ( and on XXXX 's XXXX ). 

To be blunt, I'm not sure I would have signed up for the Savings Account in the first place if I had known I was going to have take these additional, not-at-all-quick-or-easy-or-online steps later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and sent in information pertaining to an account with XXXX XXXX. After sending in my police report and identity theft report all three credit bureaus reported it verified but wont send the information to validate the debt. The original amount of the loan was {$10000.00} and is currently showing a balance of {$7100.00} as a voluntary repossession. The account number ends with XXXX*.
Product: Credit card or prepaid card

I have 2 Key XXXX Gift Mastercard issued by Keybank for XXXX and XXXX dollars. respectively. The expiration date on the {$200.00} value card is XX/XX/XXXX and the expiration on the {$50.00} value card is XX/XX/XXXX. 
Both cards were registered on the website with my name and address. 

I attempted to use the cards for an online purchase and was unable to do so. I reached out to on XX/XX/XXXX and spoke to XXXX who checked and said that the cards were inactivated and that I was going to receive a check in the amount of {$250.00} within 30 days. Reference number for the call is XXXX. 

It has been more than 30 days and I still have not received the check from the bank. 

I just called the phone number on the back to the card ( XXXX ) and was informed today, XX/XX/XXXX, that due to inactivity of more than XXXX years, I am not going to receive the balance of {$250.00}, I have the original paperwork that came with the cards and there is no mention of the funds taken away due to inactivity. Both cards are still within date. I would had used them earlier if the information was written clearly. 

I had been saving the cards for a special occasion. 

Please feel free to contact me for additional information. I appreciate any help in this matter. 

Thank you.