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

In 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. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company XXXX XXXX with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. {$8000.00} was XXXX XX/XX/XXXX. Catching us up. 3 more payments were issued to XXXX  in XXXX. See attached letter. XXXX XXXX has consistently reported inaccurately if at all the last 4  years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, XXXX  where the health care and heat ( weather ) better fit my health demands. We found a lender willing to work with us and we got almost to closing and XXXX XXXX  had not been reporting correctly and now reporting something different again. XXXX from XXXX  said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in XXXX  since you can't change jobs before buying. He will still there until we can buy, away from our family with XXXX children and me with XXXX. I am the sole caretaker and I need my XXXX XXXX. If XXXX  XXXX were reporting correctly our lender and us would have known before trying to obtain a loan. The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny help. XXXX XXXX is paid in full and our family is separated and states away from each other. At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW 554.134, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.
Product: Credit reporting

I have paid the debt and Equifax refuses to take it off of my credit report, or host an acceptable means of filing a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX I XXXX XXXX
Product: Bank account or service

OUR U.S.BANK ACCOUNT ; ON XX/XX/2016 CUSTOMER DEPOSIT CASHIER CHECK FROM THE XXXX AT XXXX IN XXXX, AZ. IN THE AMOUNT OF : {$81000.00} TO OUR ACCOUNT. AND ON XX/XX/2016 WE WROTE XXXX CHECKS SEPERATELY WITH DIFFERENT AMOUNT : CHECK # XXXX AMOUNT {$16.00}, XXXX. AND CHECK # XXXX AMOUNT {$23000.00} THESE CHECKS WERE RETURNED FOR INSUFFIECENT FUNDS. AFTER 10 DAYS DEPOSIT OF OUR CASHIER CHECK AS I MENTION ABOVE. IT DEEMED ESPECIALLY EGREGIOUS. HOW U.S.BANK PLAYING A ROLE IN COLLECTIVE LATE CHARGES FEE UNNECESSARILY TO GOUGE US FINANCIALLY. IT IS A CONSUMER FINANCIAL FRAUDS PERHAPS. IT ADDS UP TO {$72.00} DOLLARD FOR XXXX RETURNED ITEMS. RIDICULOUS AND DESPICABLE GAME IN COLLECTING {$36.00} DOLLARS FOR EACH CHECK AFTER 10 DAYS DEPOSIT. I WONDER HOW LONG A CASHIER CHECK WILL TAKES TO CLEAR JUST FROM XXXX IN XXXX ARIZONA. TO A U.S.BANK RIGHT NEXT DOOR IN XXXX, ARIZONA. SEEMS RIDICULOUS FOR SUCH TRANSACTION TO COLLECT OVERDRAFT FROM RETURNED AFTER 10 DAYS DEPOSIT. I AM ASKING FOR HELP IN THIS FINANCIAL MATTER TO BE SCRUTINIZE FOR CONSUMER FRAUD, OTHERWISE. ACCOUNT # ENDING XXXX. THANK YOU. SINCERELY : XXXX & XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian a cease and desist notice, affidavit of truth and bill of particulars notices. I have called Experian numerous times to dispute inaccurate, unverified and unauthorized items on my report. Experian has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.
Product: Student loan

Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet
Product: Debt collection

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.
Product: Debt collection

I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.
Product: Credit reporting or other personal consumer reports

I have checked my credit report, and I have found a fraudulent account on it, the account is XXXX XXXX XXXX with the account number XXXX opened on XX/XX/year>. The account is fraudulent and I request it to be deleted from my credit report.
Product: Debt collection

this debt has not shown me a signature that this debt is mines. This debt is {$200.00} and is stopping me from getting utilities for my household.
Product: Checking or savings account

I had a account with Navy Federal received my Child Supporr in the account the account was compromised and every deposit i received since XXXX they took it i need my Kids Money out that Account i want it closed
Product: Credit reporting, credit repair services, or other personal consumer reports

had a car loan with XXXX XXXX XXXX in which was paid off XX/XX/2017 but showing XXXX owed and in chage off with all three credit reporting agencies. i have sent pay off letter from the bank Nd the title of the car i re ie ed from the bank. but they will not remove it from my credit report. the will not let me redispute it also
Product: Credit reporting or other personal consumer reports

I have submitted disputes with Equifax regarding their reporting of an incorrect collections account ( XXXX XXXX XXXX ) on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted and mailed court documents along with my identification documents to verify that they are reporting inaccurate information. I have called to speak with Equifax customer representatives regarding this case on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite calling and speaking with managers and consumer affairs, nothing has been corrected in the reporting of this account. No actions have been taken by Equifax.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXXXXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I scheduled auto-draft payments to start on XX/XX/2022 with my correct account number and routing number and even called the company to confirm it was setup correctly. They continue to miss auto-drafting payments every month to the point where now I am a month behind in payments. My mortgage is $ XXXX per month and I have contacted their customer service multiple times.
Product: Debt collection

I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for XXXX years since the day we moved in.
Product: Debt collection

Over 10 years ago, I had an established service with a propane gas company where I rented a tank and they provided gas to the tank. In XXXX, XXXX bought the propane company that I was doing business with 6 years ago and started servicing me as a customer. After a couple of years of terrible service from XXXX, I canceled service and closed my account in XXXX. In XXXX, I started calling XXXX every month to ask them to pick up their tank. They would schedule appointments with me and never show up. In XXXX, I established propane service with a new company and had XXXX propane tanks in my yard. I called XXXX off and on for over 5 years to pick up their tank from my yard. After 5 years from my continued calling, they finally got around to picking up the tank. They billed me for {$350.00} for canceling the service closing my account and the tank pick up. I notified them that I wanted a bill detailing the charges and the signed contract where I initially agreed to service. I never signed a contract with XXXX. They bought the old company that I was getting service from and now they are trying to lock me into new charges. I asked to close my account over 5 years ago. Every year I had service with them I was subjected to a tank rental fee. I want to charge them a tank storage fee for leaving a tank in my front yard for over 5 years. I just received an email from A.R.M. Solutions collection services for charges of {$420.00} from the XXXX account.
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in opening dates, my name, payments, and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid the owed amount in XXXX after being told by a representative from Bank of America that it would remove the account from XXXX  XXXX  in 3 months. Disputed XXXX through XXXX  XXXX  because they didn't even report it was paid nor remove it. Have spoke with Bank of America fraud department in XXXX and was told very rudely that they can remove it but have every right to leave it on there for 7 years. They still have not removed. Now as of today XX/XX/XXXX, I have been told by a representative in collections that it would be the fraud department that would have to remove it and transferred me. Now on the phone with the fraud department and get told they can not remove it and I requested to speak to a supervisor. This is ridiculous when I paid my debt to make things right. They need to remove this. It has caused me so much stress and headache. This is not how you do business. Any other Bank would have removed it once paid and here I am going on 5 years of not being able to get a bank account and fixing to start a job that pays by direct deposit.
Product: Checking or savings account

On XX/XX/2019, I recieved a text message on my phone, Inviting me to apply for a job XXXX XXXX XXXX XXXX by means of a XXXX XXXX XXXX XXXX. They pay offers was {$1000.00} per month for 1 year. 
On XX/XX/2019 I recieved a check for {$3900.00} by XXXX XXXX, I was asked to deposit the check and withdraw, {$3.00}, XXXX cash and pay the XXXX XXXX, and keep the rest for my advance payment. 
The next day, XX/XX/2019, I was excitedly reported to my boss, and told me I was being scam. The same day we went to the bank and reported it and make the deposit stop. MY bank was bank of America. They called costumer service and made it stop. 
The next, totally unwarranted, action by Bank of America was to close my checking ang saving account for fraud and reported fraudulent activity to XXXX and XXXX XXXX XXXX. Please help me in this matter, I have tried opening bank acct and I always get decline. I am a single mom with XXXX kids, all I want to do is to be able to provide for my kids, not knowing this will happen to me.
Product: Mortgage

I purchased a home with citibank in XXXX through the FHA program. In XX/XX/XXXX I contacted XXXX XXXX via phone and started a REFI to conventional. While on the phone I had asked about being credited back the upfront mortgage insurance premium because I had only been in the FHA program a matter of months. He told me that would be credited to me at closing. When I received the HUD prior to closing I asked the closer where my refund was. She told me that would come from HUD in XXXX weeks. That I have in email format. I was expecting well over a XXXX dollars back in MIP refund which I have been told by HUD that I do not qualify for because I refinanced into a conventional product and not FHA. I was lied to and mislead.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Financial Control Se I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Se in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. My husband is a veteran and we 're looking to buy a house in the next year..Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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Product: Credit reporting or other personal consumer reports

I was not late on my XXXX payments during the months of XXXX and XXXXXXXX XXXX XXXX. There was an error in my banks bill payer during XXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

Ally Financial is incorrectly reporting my former auto loan with a charge off amount of over XXXX to all 3 credit bureaus. There was an accident and the car was deemed totaled so my insurance company sent payment to Ally in exchange for pink slip. This account was settled for less than the full balance.
Product: Mortgage

I'm writing you to see why my mortgage payment has increased. The original bank was XXXX XXXX, followed by Caliber. I'm trying to apply for a loan modification with current bank. But as of yet no one has processed my request. The reason for the request is to investigate my mortgage loan that was abruptly moved from 1 bank to the other. I'm asking for a reasonable modification for me & my family. Thank You In Advance