23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I received a notice from XXXX XXXX increasing my Credit Card APR for not making a payment for the last 60 days. I was also reported to the credit bureau 60 days late. I have spotless credit and have worked hard to keep it that way. I just refinanced my auto loan with Bank of America. I need you to look into the matter concerning the recurring bill pay for XX/XX/XXXX that was not paid and the payment in XX/XX/XXXX that was cancelled ( not by me ). Please provide me and XXXX XXXX and explanation and kindly request to XXXX bank they remove the 60 days late as this was not my fault but a glitch in your system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX, XXXX XXXX   and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

There are 5 unauthorized transactions from my Chase account sent wire transfers to a XXXX XXXX bank, with a total of {$87000.00}. Chase has not provided me an answer for 2 months. The money is a big amount of saving for me and I hope Chase can provide me an answer as soon as possible. Thank you very much!!!
Product: Debt collection

The following account is in question has been deleted on my credit report and I received a letter threatening to sue me : PORTFOLIO RC Account Number:XXXX  Total amount : {$1200.00} Date began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, PORTFOLIO RC Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX.
Product: Mortgage

I was offered a HAMP T2 modification XX/XX/XXXX. My trial payements due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$210.00} with interest rate of 3.375 - 30yr term. All payments were made up until XX/XX/2015. I was told that I had completed all of the trial payments, when the lender stated that I needed flood insurance. I paid {$380.00} for flood insurance and faxed the documents to my lender. They later stated that I did not comply with sending a notice to borrower disclosure which was faxed with my proof of insurance. I have now reapplied however, the new offer is not affordable. The proposed payment is XXXX. This is unaffordable for me. My income is only XXXX/month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX   and XXXX reports. XXXX has consumer disputes and XXXX does not.
Product: Debt collection

We signed a 5 year contract for an alarm system and after 5 years we were on a month to month contract. After 10 years we cancelled with the company we no longer get wanted or needed and alarm system. The company was XXXX now XXXX. After I verbally cancelled on the phone, XXXX continued to take money out of my account for 7 months before I caught it. Contacted the bank they investigated and returned my money for them illegally taking it out. Now they have sold the account to a collection agency Mountain Run and I have talked to them and told them I do not owe anything I cancelled years ago. I told them to send me a copy of a new contract that I did not sign for. They not XXXX has sent a new signed contract because they dont have one. They are trying to collect money that I do not owe. I looked online and several people are having the same trouble out of XXXX XXXX. People are canceling and they are refusing to cancel them. I no longer have an account with XXXX. I cancelled years ago but they refused to cancel the month to month agreement. Please will someone help all of us trying to get away from this crooked company. Trying to scare people into paying for service they cancelled
Product: Debt collection

I previous reported this company for coming after me for this debt that is not owed and to give this company a 15 US Code 1692e ( 3 )
Product: Credit reporting or other personal consumer reports

I have called many times there response is ambigous they never sent me the info requested they said they will be sending the verification of the deby to support their claim they never did so I need your assitance
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen now there are bills popping up on my account
Product: Debt collection

Americollect is reporting - I continue to reach out to them to figure out what this is and No one responds to my request
Product: Debt collection

I never had an agreement or contract with this company Monterey Collections XXXX but started receiving calls from them stating I owe them money for a closed and old debt from a company that was taken out in XXXX that never contacted me since I can remember. I started receiving the calls in XXXX and my credit report was hit in XXXX. They 've since then been adding {$1.00} a month to knock my credit score down tremendously. It 's frustrating because I 've since worked in my credit and cleaned it up since I 've retired due to the financial struggles I experienced while on XXXX XXXX not by choice. How can a company I have no agreement, contract or any dealings with do this? Being threatened over the phone to sue me and attack my score until I pay them in full has really affected me mentally and physically. They 've kept there word with the " affecting my score threat! '' It 's also odd they have my old address but I was never contacted by the original company. I 've even gone through a debt consolidation company that included this past debt called XXXX XXXX XXXX XXXX. I 've had enough medical and life issues I 'm dealing with daily and these people are n't helping me or my situation by harassing me or others. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports FICO score to Wells Fargo which allows me access to it. My credit rating throughout the last year was steady at about 825 ( see attachment ), then in XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and XXXX. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called XXXX, Wells Fargo 's supplier, to complain, and they threw it back on the bank, which in turn blamed XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is improperly reporting to my credit and filing incorrect information on my credit. account needs to be removed from my credit from all three credit bureaus under account number-Acct # XXXX and Acct # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I initiated a money transfer for {$2000.00}, to XXXX. 
Transaction failed but MoneyGram withdrew the {$2000.00} from my XXXX XXXX XXXXXXXX account. 
After several months of investigation both the recipient bank and MoneyGram acknowledged that there was an error and the transaction failed. Therefore I am entitled to full refund of the {$2000.00} plus the transaction fee, per attached letter from MoneyGram.

However, MoneyGram has refused to refund the money. MoneyGram referred me to XXXX XXXX XXXX 
XXXX  XXXX XXXX has also referred me back to MoneyGram, as the entity holding the funds.

None of these two want to refund my $ XXXX. 
Please see attached letters from all entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from Absolute Resolutions without any prior knowledge, I received a letter dated XXXX from XXXX XXXX XXXX PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXX am. 
I will also attach the letter sent to XXXX and XXXX below. 

15 USC 1692 ( e ) and 15 USC 1692 ( f )
Product: Credit reporting or other personal consumer reports

There has been some irregularities on my credit report due to some closed account that I noticed recently that does not belong to me nor do I have anything to do with those closed account, this is a result of inaccuracy reporting and it violated my consumer right.I want all parties involved to look into this urgently and removed this closed account that i have nothing to do with and in Accordance with the FCRA section 611 this companies violated my consumer right. 


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 XXXXXX/XX/XXXX All these above account are not associated with me and they are showing on my closed account record kindly remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report I have disputed multiple times and a lot are older then three months I have not been notified from the bureaus or even given any details on how this item was verified hopefully this matter can be looked at immediately
Product: Mortgage

I am on a fixed income and my mortgage payments started increasing over what it should of been based on a speculation of home insurance and tax increase which they were not at the time. I am now being charged an increase for a shortage i had no knowledge of and a large payment being sent for my taxes and home insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct theinformation being reported. The 3 credit bureaus must validate these items in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified informationwithout providing any proof within the period allowed by law. The listed items need to investigate and correctfrom erroneous reporting. 
XXXX Account XXXX : XXXX XXXX AccountNumber : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late TransUnion LLC Consumer Dispute Center- This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX  XX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late XXXX XXXX XXXX they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX  XXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3XXXX  XXXX I was never late 4. XXXX I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, XXXX XXXX A 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, credit repair services, or other personal consumer reports

# XXXX account this account is NOT mine! I have contacted Equifax over 10 times to fix this account that isn't mine. They show no proof of where they verify this. I have even sent them proof of my investigation to this said company and got a response saying that they do NOT have such account for me. So Equifax needs to delete this asap! This is called defamation of character & fraud keeping a account on my report that isn't mine! I want a supervisor to contact me concerning this or I will be filing this in small claims court as my right to fight for this inaccurate information that they have been reporting.
Product: Debt collection

I settled the debt with the original owner : XXXX They agreed to remove the derogatory remark from collection upon receiving full payment {$190.00}. They gave me a written agreement as you will find attached requesting removal from collections. 

My issue is NOT with XXXX. My issue is with the XXXX party vendor ( ALDOUS ) that was sold my debt which is illegal. 

When I called the third party, ALDOUS, they told me they will NOT remove!!!
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  I recieved a call from a man claiming to be with Emergent Servicing. When I answered the call i did confirm my name but when he said who was calling I asked what the call was regarding and he said debt collection. I asked who their client was as I didn't recognize the name Emergt but the agent refused to tell me any more information unless I further confirmed my identity. The agent began asking for my information which I told him I wouldn't provide unless I knew who his client was or more information. While I was still speaking to refuse the agent said ok and began telling me a date of birth and what i think was an address and then asked was this information correct. I still didn't confirm and only responded that I wouldn't confirm anything without knowing the client, as i didn't think that was the proper way for him to try to verify my identity. Before i could finish saying that the agent started speaking over me again saying he had my employer 's information and then hung up. This was the first and only call i have received from this number or someone claiming to be with Emergent but i am sure he was not supposed to tell me that information without verifying my identity nor should he be threatening to contact my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account ( XXXX ) still showing payment history innaccuracies The following inaccuracies are as follows : XXXX  and Equifax are showing different information when it comes to this account >>>>XXXX  Account # XXXX XX/XX/XXXX - 90 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX to XX/XX/XXXX - No Data XX/XX/XXXX - Closed XX/XX/XXXX - Closed XX/XX/XXXX - Closed<<<<<< >>>> >>>Equifax Account # XXXX XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX - On Time XX/XX/XXXX - No Data XX/XX/XXXX to XX/XX/XXXX - On time XX/XX/XXXX - On Time XX/XX/XXXX - On Time XX/XX/XXXX - Closed <<<< I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete this account from my report. I have clear proof of all my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have submitted numerous disputes about incorrect reporting and nothing was done. I found my payment history finally and sent it to XXXX and XXXX on XX/XX/XXXX, with my payment history showing incorrect reporting. XXXX deleted it XXXX sent me an email on XX/XX/XXXX and said that they verified it as accurate and then after a phone call asking why, she said they go buy what the debt people send back to them even if I sent in proof. The next day my TransUnion and XXXX score. Dropped XXXX points. My XXXX stayed the same. They have done this every time I disputed it causing my score to be drastically low. This is illegal and my rights are not being protected.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/year> XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/year> XXXX
Product: Mortgage

I closed on XX/XX/23, the title company is XXXX XXXX and lender is XXXX XXXX. Acccording to the closing documents all prior tax liablilities were paid by the owner of the property. However, when I called the three tax authorities only two of the three tax bills were paid by the owner. I sent an email to XXXX XXXX with proof of the unpaid taxes and they pretty much disregarded my email. My closing was {$14000.00}, which included prorated amount of the taxes, which were inflated because the prior owner had homestead exemptions. Also, the lender Cardinal Financial applied three months of prepaid taxes, however, they told me that I need to pay the tax payment on the first of XXXX. I told the loan officer, i prepaid three months of XXXX, PMI and Taxes why do I have to pay it in my first payment month of XXXX. She did not respond. The deceptive practices are terrible with lenders and capital companies.
Product: Credit card or prepaid card

Received in mail several letters about opening credit cards in my name that I did not do. There were several including Amex, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX XXXX XXXX. I looked up my XXXX  credit report and found all of these inquirers. I have put a freeze and a fraud alert on my XXXX credit report. I was advised by the XXXX agent to report this to FTC, which web site directed me here. There was also a bank account opened under my name at XXXX XXXX XXXX XXXX. I have contacted them and had that account closed. 

I would like to know if there is anything else I need to do to protect my identify and prevent any future fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loans and this was not my mistake
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Could you verify the documents? Some listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX Made final payment XX/XX/2018 for {$1600.00}. XX/XX/2018 - received a letter congratulating me and informing me 5he account is now PAID IN FULL. 

XX/XX/XXXX talked to XXXX - no one can locate the title that was XXXX. Told me they would wait to see if it shows up. 

XX/XX/XXXX, got a call from XXXX XXXX XXXX to inform me that XXXX could not locate my title. Told me I need to pay them again for another title. I told them the car is paid off and I need the title to register my car. They told me they could not release it because Citizens One had not indicated that the car was paid off. 

XX/XX/XXXX - contacted customer service - XXXX. He was very polite but told me since XXXX ( his supervisor ) had the case I needed to talk to her. He provided XXXX direct line ( XXXX ) XXXX XX/XX/XXXX - to date Ive left XXXX three messages on her direct line. Nothing. 
How do I get my title?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   that I do not recall authorizing. I 'm positive that I 've personally never applied for credit through your institution. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file.   I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.   Thanking you in advance,  XXXX   XXXX