23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Attached are documents and correspondences with my mortgage company, Fay Services. Approximately 3 years ago I initiated a partial lien separation. My home was built partially on one of the neighboring lot. As requested of Fay Servicing, the land was surveyed and parceled as within city of XXXX XXXX guidelines. ( I currently have 2 neighboring lots with one deed ). Fay Servicing despite all documents and funds they requested, is refusing to furnish me with my request. Please see all attached documents on USB My land which the home was built on was paid completely for prior to building the home in XXXX. Fay Servicing insist that the land was used as collateral for down payment. With this, Fay Servicing with all supporting documents from the initiation of the loan which staggers there was no down payment -- straight out loan, is refusing to separate the land thus resulting in 2 deeds. 
Fay Servicing approve and disapprove my land separation within one paragraph. ( see attached, USB ). They stated that the funds were not sent in a timely manner, contradicting themselves through several emails. My initial payment was made on XX/XX/XXXX. ( see bank statement in USB and mortgage statement ) In addition, Fay Servicing tacked on {$1800.00} to my mortgage balance due to cancellation of policy. Fay Servicing got forced insurance due to the my insurance dropping me due to an old roof. ( see USB ). A year later, I received insurance through my job where I then cancelled the forced insurance and got full coverage home owners insurance. As soon as I dropped there's, my insurance took place. It was then they tacked on {$1800.00} for not having insurance. 

Another problem with Fay Servicing that I'm having currently is that, if I wanted to make addition payment besides my monthly mortgage payment, they block out disabling me to make additional payment towards my premium. They set up their site where you can't make additional payment during the month.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is reporting incomplete and inaccurate bankruptcy information on my consumer report.
Product: Credit card or prepaid card

I received a notification from XXXX XXXX that I had a TJ Maxx Mastercard account closed. When logging into the credit card account, there was no indication that the account was closed. Upon calling the company, I was told the credit bureau notified them that I was not a good candidate. I have never had a late payment and even have an increased annual income from last year. The only thing that has changed is that I bought a house. So naturally my utilization rate is high with a new home loan added. If I wasnt a reliable customer then I would not have been able to get approved for a mortgage with a good rate as a single person. This is obviously a situation where there is some nuance and the company has no policy regarding a gray area. I have been a customer for over 5 years with 100 % of payments on time. In a matter of months my credit score will be right back where it was but instead my account was closed with no notification or inquiry. Also of note, this is the only company that has had an issue with my account.
Product: Debt collection

On or around XX/XX/XXXX, I received a notice on XXXX XXXX regarding a collection account ( please see dispute documentation XXXX XXXX dispute 1 ). I was unaware of what this account was. On or around XX/XX/XXXX, I received the investigation update advising the dispute was denied and to contact the company. I contacted Diversified Adjustment SVC, who advised they were a collection agency for XXXXXXXX XXXX. On or around XXXX XXXX XXXX, I contacted XXXX in regards to this matter. I explained that I had moved and my landlord was supposed to transfer the utilities into her name and I was waiting for a final bill. XXXX advised that the landlord never transferred the utilities, and I had a delinquent amount of XXXX. I advised I had never received a bill and only found out about this when I got a notice on my XXXX XXXX. I was advised that I had to pay it through Diversified Adjustment SVC, but it wouldn't stay on my credit. On or around XX/XX/XXXX, I contacted Diversified Adjustment SVC and paid the amount. I expected it to be removed however it never was. I contacted diversified Adjustment SVC and advised what I was told by XXXX ( the utility company ) and was told, it doesn't matter what I was told. I attempted to dispute it through the bureaus, however it was denied. On XX/XX/XXXX, I contacted XXXX again and requested my account information and for it to be removed. I was advised it would be removed and I was sent a copy of my account, showing the written off charges were reversed and the payment made. I also saved the chat log with XXXX where they advised it would be removed ( please see XXXX XXXX and chat transcript with XXXX  agreeing the collection should be removed ). After I received this documentation I contacted Diversified Adjustment SVC and advised what XXXX had said and that I have the documentation, I was advised that " They don't care what XXXX said, and its not up to them to make deals '', when I advised again the documentation I had, I was advised to send it to them and they would consult their client. I advised that XXXX said it would be removed and I never even received a bill, from XXXX or them. They were quite rude and said they mailed me a bill in XXXX ( which I never received ). As of today I have not received anything from XXXXiversified Adjustment SVC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit 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. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Report FILE NUMBER XXXX Dispute opened X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is reporting a collection of {$380.00} for XXXX services obtained by rental tenants at XXXX XXXX XXXX, XXXX, MT XXXX I owned this home and it was rented. I did not contract for XXXX service at this address! Neither XXXX XXXX XXXX or Transunion or XXXX have been able to explain why this collection is appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act, XXXX XXXX account # XXXX and acct # XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments.

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from this company on XX/XX/XXXX in response to a validation of debt ( dispute of the debt ). Attached was an enclosed copy of a Health Insurance Claim form XXXX which indicates the Name of the Referring Physician ( line 17 ) and Diagnosis code ( line 21 ). This letter is in attempt to collect on a past due medical debt. This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Credit Collection Services and have no contractual obligation to them. Any billing details including diagnosis has been shared in violation of my rights. 

On XX/XX/XXXX I made a phone call to the company, the call was recorded and requested an email address to send a letter in writing. I was denied an email address to send communication. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. The representative claims that the company is not at fault.
Product: Credit reporting or other personal consumer reports

i previously contacted TRANSUNION, XXXX, and XXXX about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

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

Innovis assumed a role and is reporting accounts that are under litigation via borrower defense for misconduct and fraudulent practices. These US DEP of education accounts are incorrect and should not be reported while under investigation. I want these accounts removed immediately or I will seek legal action against Innovis as well. 
XXXX XXXX is a federal regulation issued by the U.S department of Education. This school violated the law, misled me, performed misconduct and I suffered monetary harm. 
XXXX XXXX Case # XXXX filed XX/XX/2022 US Dep of Education XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

In early XX/XX/2021, I applied and was approved for a US Bank XXXX XXXX XXXX. However, I did not receive the card until towards the end of XX/XX/2021, and I was interested in spending {$1000.00} within the first 3 months to obtain the welcome bonus offer. I called US Bank credit card customer service around XX/XX/2021, and was told by a customer service representative that I will have 90 days from " the day the card is activated '' to spend the {$1000.00} which would put a deadline around XX/XX/XXXX. I relied on that information. In early XX/XX/2021, I called again, and was told the same thing. Later during the call, the customer service representative retracted on their words and started saying it's 90 days from the day the card was opened. 

I have spent the necessary amount, {$1000.00}, in accordance with what the customer service representative told me, that is, within the first 90 days of the card 's activation. They provided incorrect information, and am now claiming they can't issue me the welcome bonus offer. I should, in no way, be responsible for erroneous information that US Bank, themselves, provided. 

I request that the full welcome bonus offer be sent to me immediately. This is entirely US Bank 's fault, and they should be responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account XXXXXXXX XXXX  Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXXt Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have requested for XXXX XXXX, XXXX of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. I received a letter and harassing and threatening phone calls from Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account from XXXX XXXX, Account Number : XXXX, Reference Number : XXXX. The debt collection account isnt my account or debt. The debt collection account is the result of identity theft. I have never received any medical treatment or services from XXXX XXXX.
Product: Debt collection

XXXX XXXX Their damaging my credit. Reports a lot of equities on my report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report, with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Hawaii XXXX Please delete all other personal information, including all employers, addresses I can no longer receive mail or any correspondence from, and I have no access to any of them, which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete.
Product: Debt collection

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. Carrington Mortgage Services has even squatted so low to tell XXXX credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with XXXX and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live XXXX, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

I purchased a mattress from XXXX and financed it using XXXX XXXX. XXXX became XXXX XXXX and can no longer access my original documents. My purchase was suppose to be a fixed rate 5 year term. However, I received multiple defective products and eventually upgraded my purchase to a better mattress. Essentially there were two purchase dates however it should have fallen under 1 promotion. XXXX improperly booked the return and submitted my orders as multiple purchases with differing promotions. Some of the promotions expired and fees and interest were realized. I have made over 20 calls to XXXX XXXX and synchrony to resolve this issue and I keep getting he run around with each company blaming the other for issue. I have been trying to resolve this issue for over a year and have spent countless hours on the phone. I finally had a supervisor at XXXX XXXX advise me how to resolve the issue and when I did as she was instructed and called back and was informed by another supervisor that she improperly instructed me and I had to undergo a whole other process. This was just one example of the many blame games they have been playing. Purchase details below : {$1700.00} initial charge XX/XX/2015 {$3700.00} second charge XX/XX/2015 {$1900.00} in interest charges The initial purchase was for a defective mattress which was returned and then we upgraded. We were assured that the upgrade would fall under a 5 year fixed payoff. However XXXX booked this as two separate transactions instead of a return and a single mattress purchase. 

I have had multiple purchases with synchrony over the years and have always been timely with all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XX/XX/XXXX credit monitoring that I was 30 days over due for XXXX. I went online that day to the XXXX online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Product: Credit card or prepaid card

Opened a XXXX XXXX with Comenity Bank on XXXX. Through a series of unfortunate events, I had to return my purchase twice for a replacement. When the third and final purchase was made, it was not charged as a promotional purchase as I originally agreed to. I tried resolving with Comenity, but they refused to work with me on the issue. That is not the issue that I am filing a complaint about. 

I made my first payment on XXXX, and a finance charge was billed on XXXX. I have no issue with that, as my bill was due on the XXXX of each month. 

I made a payment in full on XXXX, XXXX days before my due date, and it was accepted, and my account was requested to be closed on XXXX. Comenity confirmed the account as closed, and issued me a credit refund balance on XXXX for overpayment on the payment in full, and then charged a finance fee on XXXX, and a late fee on XXXX. I received an additional minimum interest charge on XXXX. 

I paid off the finance charge from XXXX, the late fee from XXXX, and the minimum interest charge from XXXX on XXXX. 

I then received ANOTHER minimum interest charge on XXXX on this account, which was supposed to be closed on XXXX per Comenity 's email to me. Why and How do i keep getting charges posted to my account when the account was supposed to be closed.
Product: Debt collection

I discovered a collection account on my credit for a medical debt. I reached out to the collection company because I was never informed of the debt and most importantly- I have medical insurance and so does my wife. That said, I don't know what the debt is for or why this company has choose to come after me and or place the account on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have number of address attach to my credit report that I attempted to get remove, as I am looking into purchase a house. The address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX The Above-mentioned Accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I recently discovered that my identity has been compromised, leading to the fraudulent creation of XXXX accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that XXXX   and Experian did not remove the consumer statement as well.