23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Setup auto pay, for the due date. Apparently if it does not process by then it will be considered late. Also was told it can take 60 days to go into effect giving me another past due fee. The website is incredibly confusing and almost purposely difficult to facilitate confusion on the customers part. Logged into site again and see that auto pay is now not even on and had another late bill. Multiple calls with little help
Product: Mortgage

I recently bought a house with Lennar closing date was on XX/XX/XXXX. I have paid all my dues with lennar and first mortgage as of XX/XX/year>. My insurance XXXX XXXX has not received any home insurance payments from Lennar and are about to cancel my policy on XX/XX/XXXX. I have contacted lennar and always talk and get transferred to XXXX XXXX who is handling my case she has stated Lennar has sent XXXX XXXX  a ledger check and has been received I told her it has not been received per XXXX XXXX  and needs to be resolved and requested documentation that it was sent days and times and signatures she told me it would be sent to my email and uploaded to my lennar portal it has not. Ive contacted my insurance XXXX XXXX  as well letting them know I have contacted lennar title multiple times to try and resolve matters that I have paid them and they have sent the ledger check XXXX XXXX has let me know they have put it under investigation at this time and will be up for cancellation XX/XX/XXXX but they have documentation of me telling them Ive contacted lennar and what they have said. 
I need assistance because I paid lennar and lennar is not sending my home insurance there money and now they have sold to company XXXX XXXX and I cant move anything over till these payments are resolved Ive done everything I can in the time frame Ive had.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXXXXXX Partial Acct XXXX XXXX
Product: Mortgage

I filed bankruptcy and want to affirm the note but Shellpoint will not respond to me or my attorney. 

I tried to call the bankruptcy division as suggested by XXXX XXXX and there was no bankruptcy division. The phone just made circular suggestions and kept sending me back to the main number.
Product: Student loan

I had been in a Student loan rehabilitation program over the past year. Made final payments in XXXX XXXX for both XXXX and XXXX XXXX. The new Appointed Servicing Agent for my Loan was the Fed Loan group. They sent out the new loan information in XXXX XXXX. I moved from XXXX XXXX XXXX XXXX Fl XXXX temporily to XXXX XXXX XXXX in XXXX, Fl XXXX in XXXX XXXX and then to XXXX XXXX XXXX XXXX Fl in XXXX XXXX. The original rehab loan program never notified my of the new Servicing group or how to contact them. When in XXXX XXXX it showed up on my credit report as 90 days late I was able to find out for the first time who to contact. I called there Servicing dept immediately try and resolve the problem. They told me to get off my credit reports I would have to file a dispute with accounting dept which will decide if they will or not remove the 90 days late. This was on XXXX XXXX, XXXX. This was to be emailed to me as well as a low income based repayment plan application, which it appears I have been qualified for all along and would pay {$0.00} a month. Well they did n't send it out email ... ..today XXXX XXXX, XXXX they can only mail the dispute form, and are emailing me the income based repayment form, but the immediately took a {$110.00} payment on XXXX XXXX, which as of today does n't show and when posted will still show and outstanding balance. Even when I qualifiy for the lower repayment, it will take 30 or more days to go into effect. My Credit with all XXXX Agencies is severly effected by there reporting. I have no other late payments
Product: Debt collection

XXXX XXXX levied my savings of {$400.00}. Bank charged {$120.00} for levy. I called XXXX and paid them {$1600.00} to clear account. They said the levy on my savings account would be credited back to me. It has not been given back
Product: Credit card or prepaid card

My account was closed without my knowledge. I can not make a payment due to website supposedly doing a scheduled update. Tried to call company to make my payment over the phone and find out why my account was closed. Company is not taking calls and the call gets automatically disconnected. I do not want this to affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with   XXXX   and  XXXX .

DISCOVER FINCL SVC LLC # XXXX 
  XXXX   XXXX   XXXX    XXXX , DE  XXXX 
  XXXX   XXXX  
Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:   XXXX   
Last Payment Made:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX  
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from   XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of   XXXX   from   XXXX   to   XXXX  
Estimated month and year that this item will be removed:  XX/XX/XXXX 
  XXXX     XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX  1
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored
Product: Debt collection

They have contacted me repeatedly to the point of changing my phone number three times now, have harassed both of my parents, and my fianc which I have screenshots of as well. Left multiple messages after I have contacted them. They have told my father because they contacted him that is considering me notified, I have been threatened at points which is what caused me changing my number, and completely mistreated. The first picture uploaded is from my mothers camera roll, the second my fiancs, and the third my fathers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and they have not taken care of it. I am requesting that these are unauthorized inquiries and to be deleted from my report. Thank you for your assistance in resolving this matter. 

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

In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX  has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my XXXX.
Product: Bank account or service

On my account with Chase Bank, they can only hit your account with XXXX NSF Charges on any given day. Chase has started to split this up and just process additional charges days after the charge has hit the account, and after direct deposits have been posted. Case in point, on XXXX they hit me with XXXX NSF Charges, my direct deposit was deposited on the XXXX, they come back and hit me with XXXX additional NSF charges on XXXX. Also in XXXX, they processed XXXX on XXXX XXXX, direct deposit on the last day of the month, so they come back on XXXX and charge me XXXX more on XXXX, XXXX on XXXX and XXXX on XXXX. I do n't think this is why they have a limit of XXXX NSF charges a day.
Product: Credit reporting or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Experian credit reporting agency, 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 consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Capital Accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Capital Accounts called for someone I know personally. However, neither of us have provided Capital Accounts with any contact numbers including the number Capital Accounts called that is considered " XXXX '' and is not given to just anyone. 

When I spoke with XXXX other Capital Accounts Repetitiveness including XXXX, they refused to disclose how they obtained my " Private Number. '' XXXX also refused to verify the address I provided here and further refused to provide actual address of Phone Number XXXX by stating he found " No Outbound Call '' which came to my " Private Number '' and is how I obtained the phone number XXXX as Capital Accounts. 

FCC Complaint # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

P
ortfolio Recovery Associates ( PRA ) is falsely reporting se  veral different accounts from the Original Creditor,   XXXX   XXXX   on all 3 major credit reporting agencies ( CRA ). I have attempted to have the amounts updated and requested that the CRA 's validate the amounts and provide proof from Portfolio Recovery Associates. PRA falsely verified that the amounts in question are correct.
I will list 2 of the 3 accounts on this complaint and the 3rd and 4th complaint will follow separately  .  <P/>  Account Number  :  XXXX  PRA is reporting an amount ( original ) owed of {$890.00}.  <P/> I have verified with    XXXX   XXXX    that the true amount is {$810.00}.   <P/>
2nd Account PRA is reporting an amount ( Original ) of {$590.00} I have verified with   XXXX   XXXX   that the true amount is {$540.00} Documentation will be attached and additional can be provided under request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since around XX/XX/2022 making numerous phone calls to Transunion regarding an account on my credit report called XXXX XXXX. I disputed this charge with XXXX XXXX  and Transunion, because I was not living at the address at time of service. Obviously belonged to someone else. The dispute was suppose to be in my favor through all credit reporting agencies. BUT XXXXXXXX XXXX continues to show up on my report though even the supervisor at Transunion states it is not on my report. So I had hard copy sent to me. Not only can I continue to see per their website but it is on the hard copy they sent me. I have been dealing with this issue since XXXX even being told it was removed in XXXX. This is a fiasco of chaos. I need help please. On the hard copy page 10 of 11 third company down is XXXX XXXX It is listed under Account Review Inquiries. I have been told it doesn't affect my credit score. Don't care it is still on my credit report and it is not something that belongs to me so it should not be listed any where. Correct?? Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX opened a dispute with XXXX XXXX XXXX on XX/XX/2022. I advised them the information they have is not only inaccurate and unverifiable, I also made them aware I do not give them consent to have any of my information at all. EARLY WARNING SERVICES display person information which includes experiences and personal transactions. Some of which are completely incorrect. All of this is violating me pursuant to 15 USC 1681a ( d ) ( 2 ) Which states the exclusions to a Consumer report. Even after a written instruction of the violations they are committing against me without my consent, they continue to fraudulently report defaming information on my consumer report. I requested EARLY WARNING SERVICES to investigate the information that was being furnished to them by BANK XXXX XXXX, They did not provide me with any verifying documents to validate their data, in fact they sent me a letter stating " We do not have the documents to verify these accounts, please contact the bank '' I called them several times on XX/XX/XXXX, XXXX, XXXX and XXXX of 2022. Asking them to tell me how they verified documents they do not have. EARLY WARNING SERVICES then informed me they did not have access to the documents from the furnisher BANK XXXX XXXX. This makes no sense and is a complete violation. I have been defamed and denied multiple checking and credit accounts because of the information they report without my consent. I then requested an Re investigation procedure description from EARLY WARNING SERVICES pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and they told me on the phone XX/XX/2022 " we do not give you that information because it is our policy '' Which is a violation and fraud. After sending them a written request for this information on XX/XX/2022 via fax and certified mail return receipt. They sent me a response stating " upon review, it has been determined that your dispute does not offer any new or additional information '' EARLY WARNING SERVICES continue to report my information without properly investigating the information furnished to them, they continue to publish inaccurate and personal information about me without my written consent. They continue to ignore FCRA guidelines and damage me everyday they do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX CFPB XX/XX/XXXX RE : XXXX I have recently been informed that there is negative information reported by XXXX XXXX  and US Bankruptcy Court of XXXX Maryland in the files maintained by Equifax, XXXX  and XXXX  under my social security number. Upon reviewing a copy of my credit reports I see the following entries : XXXX XXXX stated they started " FORECLOSURE PROCEEDINGS '' on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ( not sure which date is correct ). These are the dates that I have found on the reports. A bankruptcy was dismissed on XX/XX/XXXX from the XXXX Courts. 

I challenge the accuracy compliance and reportability of these listings for the following reasons : I have attached documentation pertaining to these derogatory conditions and I spoke to XXXX XXXX  and sent a Goodwill letter ( see attachment ) regarding the information. Please note that the property was a full sale and the Title company stated this was in no way a foreclosure and information should not have been reported on my credit reports. The Goodwill letter explained my circumstances and with that being said XXXX XXXX  granted me a lien release to have the " Foreclosure Proceedings '' deleted from my reports ( see attachment ) ; however, Equifax, XXXX  and XXXX  have not deleted this information from my reports. 

The bankruptcy information was followed up with a letter from XXXX XXXX and the court to have this information deleted based on the fact that this information was not reported by the courts and is considered to be false information on my report when they claim to have gotten the information directly from the courts. Please see attachments from the courts and XXXX XXXX. I contacted the court and asked them to verify this information and the letter states that the courts does not verify information directly with the credit reporting agencies ; therefore, I would like to have this information removed due to it showing the credit bureaus error in reporting my public records. I would like written confirmation stating this information has been corrected and updated sent to my home address listed below. 

Thanking you in advance for your cooperation in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$150.00} XXXX   XXXX {$350.00}