23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with XXXX since XX/XX/XXXX with a credit limit of {$300.00}. 
After reviewing my credit report recently as well as my credit card statements it's come to my attention that there is an error being reported by XXXX. 
My payment due date is the XXXX of every month. On XX/XX/XXXX a payment of {$40.00} was made ( attachment ) That payment was reversed on XX/XX/XXXX ( attachment ) XXXX XX/XX/XXXX a payment of {$80.00} was made. That payment was reversed for insufficient funds ( attachment ). On XX/XX/XXXX a payment of {$120.00} was made ( attachment ). That payment was cleared. Until I recently pulled my credit report, I didn't realize that a 30 days late payment was showing on my credit report for the month of May.But after carefully reviewing and calculating the days of payment due and payments posted, I see that XXXX have incorrectly posted a late payment for XX/XX/XXXX. 
My payments for XX/XX/XXXX and XX/XX/XXXX were reversed. My payment for XX/XX/XXXX was cleared and posted. ( attachment ) So if my due date is the XXXX of every month and then the XX/XX/XXXX payment will cover XXXX because that is NOT 30 days past XX/XX/XXXX. 
XXXX have mistakenly and incorrectly reported the month of XXXX as being late. I have repeatedly spoken to them about this issue and also they have never provided me a copy of my credit card statement for XX/XX/XXXX. I was told that one does NOT exist.This in itself is a clear violation of the Truth in Lending Act as well as 15 USC section 1666b ( 4 ) ... ..correction of billing errors. According to the FCRA you are required by federal law to investigate completely... ANY AND ALL accounts you post on a credit report.
Product: Mortgage

At the end of XXXX, I had a few mortgage payments to Primary Residential Mortgage that would overdraft my checking account when my autopay would go through on the XXXX of the month. I never realized this was an issue, I would make a new payment a couple days later when I had funds ; I never had a late payment in the history of my account ( payment past the XXXX of the month ). 

I received a letter that said if my payment doesn't go through again, they will restrict my account to certified funds. Unfortunately, the day I got this letter, they billed my checking and it happened to overdraft. Now I was forced to pay by mail via certified funds. They never called me or left a voice mail regarding this issue. 

In XXXX I used the billpay option with my bank to make the payment to the mortgage company. It was sent by XXXX through my bank, which should definitely be certified. They did accept this payment, which was great. Then, in XXXX, I did the same thing and the payment went through. However, they then sent the payment back to me saying I need to pay by certified funds, they also added a late charge to my account even though they denied my on time valid payment. I don't believe its legal to accept a payment in XXXX by this method and then deny it the next month. These are valid payments certified through my bank. 

I sent them a money order through the mail for XXXX. Then, in XXXX I did the same thing. I sent them a money order through the mail via USPS. These checks were never cashed. Weeks later I called them, should've been XX/XX/XXXX or XXXX. They said they didn't have them, I asked what to do and if I should go get refunds for the checks. The representative told me no, and I should check back later with them to see if they were able to process it. She told me not to worry about my account being ready to default on XX/XX/XXXX because I called and we established the payment is just missing even though I sent it. 

This was a lie, they defaulted my account on XX/XX/XXXX. I just talked to them today on XX/XX/XXXX. They refuse to let me make online payments to bring my account up to date. They refuse to remove almost {$200.00} in various fees, and they refuse to reverse the default on my account which tanked my credit score. 

I have never had a late payment to anything in my life, including any mortgage company. This company is abusing its power, harming consumers for no reason, and potentially breaking laws with their arbitrary accepting of payments. They force me to send my payment by mail, then default my account because they never got it, even after I talked to them before the default date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with XXXX XXXX to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. I requested a debt validation from XXXX and was summarily ignored. I then attempted to contact the original creditor to have the debt validated and was told that they no longer had ownership of the debt. I, again, requested debt validation from XXXX and my request, again, went unanswered. I then filed a dispute with Equifax on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates report and amount owed. The results of the " investigation '' was forwarded to me XXXX/XXXX/2015 and, according to Equifax , the account had been verified. I immediately contacted Equifax by phone and requested documentation showing how the debt was verified as, I had yet to receive any documentation whatsoever after repeatedly asking. Moreover, I explained at great length that the only changes that were made in lieu of my dispute were made by the original creditor to reflect what was being reported by the collection agency. ( see attached ) This change was made despite the fact that the original creditor denied having any documentation pertaining to the account in question because it had been sold. In closing, I would like to point out that the apathetic response I received from Equifax following my dispute, their failure to provide me with necessary/requested documentation, and their complete disregard for the questionable changes made to my credit file following my dispute, is indicative that they never attempted to conduct a " reasonable investigation ''. Needless to say, I would like to be provided with copies of all documentation verifying the debt that Equifax found sufficient. If unable to provide the documentation, I want the derogatory listing deleted from my credit file. Lastly, It is also my hope that the CFPB will take a long, hard look at the way Equifax does business.
Product: Credit reporting or other personal consumer reports

The accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : 1.Account XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices
Product: Debt collection

Received notification that Sunrise Credit Collections placed a collection account on my credit profile. This company did not provide any information to verify the debt is owed by me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting or other personal consumer reports

I have several hard inquiries on my credit reports that I did not authorize. It has been confirmed through the credit monitoring services that my information was leaked in the data breach. I am currently trying to buy a house and the inquiries have tremendously lowered my credit score. The unrecognized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

When I was shopping for a car, the only company authorized to pull. My credit was XXXX XXXXXXXX XXXX XXXX  is the only mortgage company that I have worked with. The XXXX XXXX inquiry resulted in a personal loan that was taken out and paid for, but it lowered the average age of my credit, and I was not the one to utilize the personal loan. I also never applied for a bank card or auto loan through XXXX XXXX XXXX XXXX XXXX 

In addition to these hard inquiries, I also have a secured credit card on my credit report from XXXX XXXXXXXX XXXX that I never utilized. This card has three late payments, but my first credit card was through XXXX XXXX and its my XXXX XXXX, which is current with no late payments. I have tried to dispute the above mentioned inquiries and accounts, but they keep coming back verified even though Ive made it clear I did not initiate any of it. I have called the credit agencies multiple times and have been given the runaround. They have claimed the disputes have been resolved, but nothing changes. I would like all of these accounts removed from my credit report to accurately reflect my use of my credit. These accounts must have been accessed through the data breach, as I have made clear to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DELETE HARD INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on XXXX and Equifax dropped from approximately XXXX to XXXX for XXXX and XXXX for Equifax with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA ( XXXX XXXX XXXX ) that the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint this fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize aforementioned accounts, collections, and hard inquiries. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency shall ( i ) delete that item of information as appropriate, based on the information. Please remove all the inaccurate fraudulent items from my credit report.
Product: Checking or savings account

In the begginning of XXXX claim i did not recieve {$18000.00}, due to change of address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX. At the time i was in a real bad relationship that almost took my life, so that is why i made a sudden move. So the U.S. Bank Reliacard was sent to this address but i never recieved anything unfortunately. 
I called XXXX and notified of my move and they updated it in the system to my new address at the time which was XXXX XXXX XXXX XXXX XXXX, tx XXXX. I was there very briefly because my ex found out where i was at and quickly made problems for me and i was afraid for my life. Again at that point i called to notify XXXX and U.S. Bank Reliacard about what was happening and i was told they would note the account of what was occurring and i moved again for the final time, thank god to a very safe environment where i finally got some sanity.The address was updated to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX and i still live there today and safe. So now U.S. bank has closed the account and still has the funds and only tells me to contact XXXX, same story different day and going in circles all this time and no progress has been made as far as im concerned. 
Im hoping this is resolved soon, because its been a headache and heartache knowing that on the end of XXXX it shows they paid out the funds to me but never did because reliacard never issued another card or sent another card to me of the remaining balance of {$18000.00}
Product: Credit reporting or other personal consumer reports

My mortgage company transferred my loan on XX/XX/2023 from XXXX XXXX XXXX to XXXX XXXX The company is showing account closed instead of transfer. Also, XXXX XXXX XXXX is reporting me 90 days past due when in reality my payments have been transferred to XXXX XXXX. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.
Product: Debt collection

I was in a car accident and per the atty request to go to the XXXX. I was not at fault of the accident. The person at fault was to cover all accounts. Due to XXXX, I was not able to continue going to the doctor for fear of catching XXXX. The insurance company dropped the case and I never signed anything and now they are seeking money for a non recourse debt. The doctor office knew that this was for a car accident and that a third party was paying the bill. They tried to get my personal medical insurance and I refused to provide that. On top of that, each month they increase the amount by XXXX dollar for over 12 months but states this is in a debt collection and charged off.
Product: Credit card

I was over-charged for a purchase from XXXX Flowers. The retail company declined to explain the overcharge, so I disputed it through Citi. Citi responded by saying the retail company had provided a satisfactory written explanation. However, the link provided by Citi did NOT lead to any letter or any explanation at all for the overcharge. I still believe the charge was erroneous, and I want an explanation. Following is the only information provided to me by Citi. 

XXXX, XXXX. XXXXXXXX XXXX  {$370.00} on XX/XX/XXXX Investigation complete Resolved - Customer Responsible XX/XX/XXXX XX/XX/XXXX {$55.00} expansion arrow Dispute Details Case ID XXXX Reason for Dispute Incorrect amount Card details Card ending in - XXXX Credit Status Conditional Credit Reversed Dispute Received XX/XX/XXXX expand more button Action Required XX/XX/XXXX expand more button Resolved - Customer Responsible XX/XX/XXXX We've Completed Our Investigation A letter detailing your dispute resolution is available in your Notices & Letters. 
The conditional credit we previously issued will be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, My vehicle was illegally repossessed from my private residence. The Tow company that entered my property illegally with their truck damaged my fence and broke the lock off the gate where my XXXX XXXXXXXX XXXX XXXX was parked. The tow truck driver offered no information in regards to where my vehicle was going. I asked the driver for credentials and his company information and he verbally attacked me with profanity. On XX/XX/XXXX I called the lending company ALLY BANK. And they informed me that they did not send anyone to reposees my vehicle and that there records showed that I am still in possession of vehicle and that they are in the process of repossession and that there records show I still was in possession of my car. I explained to them that a tow truck picked up my vehicle from my residence and said they were sent by Ally. I am incredibly confused by this whole situation. I kept trying to call Ally from XXXX XXXX XX/XX/XXXX and was offered no information. Then on XX/XX/XXXX I received a notice of lien and sale from XXXX and the information was EMPHATICALLY FALSE AND UNTRUE. I'VE TRIED CONTACTING THE THE TOW COMPANY LISTED AND HAVE GOTTEN NO ANSWER TO MY CALLS. I FEEL LIKE I AM RHE VICTIM OF A SCAM AND I DONT KNOW WHERE TO TURN. IN ADDITION TO THIS ILLEGAL REPOSSESSION MY PERSONAL PROPERTY THAT WAS IN MY VEHICLE AT THE TIME IS NOWHERE TO BE FOUND AND THEY WERE IMPORTANT AND SENSITIVE ELECTRONICS WITH ALL MY PERSONAL INFORMATION ON THEM.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian, XXXX, and XXXX consumer reports, and I noticed that it is reporting my transactions and experiences with this company.
Product: Debt collection

-Last year I discovered a derogatory mark in the form of a missed payment for a medical bill I was not aware of. 

XXXX XXXX had incorrectly coded an appointment that should have been filed as a preventative appointment which XXXX confirmed as something that should have been fully covered under my student health insurance plan. 

-Both XXXX XXXX and XXXX at this point confirmed over the phone that this bill was incorrect but that the bill had been sent to Bull City Financial Solutions . 

-I disputed the bill with Bull City Financial Solutions and disputed the debt collection through XXXX   XXXX ; however, I was surprised to find the debt collection still outstanding on a recent credit check. 

-Upon speaking with Bull City Financial Solutions over the phone, they had recognized errors with the account but were unwilling to change anything. 

-On XX/XX/2019, I sent a letter through certified mail agreeing to pay the debt in full ONLY if they agreed to send a letter that would remove the debt from the reporting credit bureaus upon my payment. Within this letter, I explicitly stated the debt is not mine and that this notice was not a guarantee of payment unless those conditions previously stated had been met. 

-I called Bull City Financial Solutions again on XX/XX/2019, upon receiving no response or notification of receipt in regards to my letter. They told me Bull City could not send a letter or any written notification back to me and that I would have to take " their word for things '' after I pay the debt. 

-In summary, Bull City Financial Solutions reported a debt to the credit agencies without my knowledge, told me false information repeatedly, admitted to errors on the specific account, and has largely been negligent in their handling of the account even after my willingness to pay for a debt that should have never existed in the first place. Additionally, Bull City Financial Solutions is now demanding more money for the debt collection than the original bill.
Product: Checking or savings account

In XXXX when I filed my taxes for XXXX. The irs took back some money. It was due to them stating that I received the XXXX payments XXXX and a deposit of {$5600.00} into an account already in my name. Well I put a tracker on my payment and found out that those payments was deposited into a Wells Fargo account. I have not open a Wells Fargo account in my name. During that my husband identity was stolen. He did have a Wells Fargo account. We went down to the bank and spoke with a banker. She stated that the payments were in my name they ( Wells Fargo ) would not have been able to deposit those checks into his account, because they were in my name. Wells Fargo would have rejected the payments and sent them back to the u.s treasury. This happened before I put the trackers on my payments.