23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed similar, XXXX have even been the same, information with Equifax and the companies 6 months ago as well. XXXX is reporting the information correctly now, so I believe the issue is with Equifax. 

There is incorrect information being reported on XXXX of my closed accounts. All three accounts are negative, because they were included in bankruptcy, but Equifax is also reporting that the XXXX accounts have 'Date of First Delinquency ' and XXXX of the XXXX also show information for 'Date Major Delinquency First Reported '. At no time have any of the XXXX accounts been delinquent. Prior to bankruptcy all three accounts were paid as agreed and paid on time, so I would like the information to be reported correctly. 

The last time I disputed this with Equifax they responded by saying that the information had been verified, but it should not have been. Bankruptcy makes the account negative, it 's considered derogatory, but 'delinquency ' means it is not being paid as agreed ( not right amount or not on time ). This should be clarified with Equifax ( they wo n't listen to me ) and the incorrect information should be removed from my report. 

Supporting documents have been attached below. They include the confirmation of my current dispute with Equifax, screen shots of the XXXX incorrect account reports, documents showing those payments were made on time and not delinquent for all XXXX accounts, and the most recent and complete reports from Equifax and XXXX so it can be seen how they are reporting differently.
Product: Credit card or prepaid card

After seven years of providing full-time care for my mom, she was placed in a XXXX  XXXX under fraudulent guardianship that court and medical records documentation provide conclusive evidence of benefit exploitation by the XXXX  XXXX as well as other parties involved. The XXXX XXXX negligence and subsequent greed resulted in my mom being XXXX that cost her XXXX in XX/XX/XXXX. 

As I hadnt worked since XX/XX/XXXX to provide full-time care to my mom, I wasnt able to work even part-time due to health concerns that resulted from very sporadic symptoms of XXXX that were not detected early on. 

What Id earned from when I was employed went toward expenses that my mom and I had split evenly. 

The incidents surrounding the guardianship were such that I was emotionally shaken as I did not know that guardianship fraud even existed until after it happened. I was literally traumatized without recognizing it at the time as a local hospital suddenly took my mom into their custody without my knowledge or consent ( POA was superseded by them ) and without explanation as to why or proper cause. Her medical records who two false diagnoses, one that was used to get her into hospital custody, the other to keep her there... her recent medical tests prove both diagnoses as false. 

I contacted Citi Cards shortly after my mom was placed in the XXXX XXXX to let them know that I was not able to make my designated payments and why. 

They offered to close my account and lower my payments to {$76.00} per month that I was able to pay without issue at the time as I was receiving regular financial assistance by my moms brother who I didnt realize until decades later finagled my grandfather/their father into literally handing over the majority of his estate to my uncle, resulting in my mom getting the least of the XXXX children ( her other brother got an entire bank account and sent her an undisclosed percentage of savings bonds from that account seven years after my grandfathers XXXX ). 

When my uncle, without explanation decreased the payments via savings bonds from bi-monthly to tri-monthly, I was only receiving $ XXXX/mo. and still reporting detailed accounts of the guardianship to both state and federal factions pertinent to it.

When I called Citi Cards and explained that my financial hardship difficulties, without telling me they put my account into collections status, first raising the payments to $ XXXX/mo. then more recently to $ XXXX/mo. without my knowing that the account had been put into collections and ruining my previously clean credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account that is currently showing up on my credit report. The account is with XXXX XXXX and it is listed as open. However, I have not received any confirmation or active account status from them that I am legally obligated to. 

I request that you remove this incorrect, unverifiable account from my credit profile immediately as it is causing me significant harm to my credit score. I have made numerous attempts to rectify the situation with the company, but they have not been able to provide me with any information or documentation to support I have an account account with them. 

I understand that it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Therefore, I urge you to investigate this issue and remove the account from my credit profile if it can not be verified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America, closed my account due to a check that was mailed to me through the usps, to my XXXX XXXX XXXX XXXX XXXX, I was instructed to deposit the check into my bank account as I did for a car wrap company that was supposed to wrap my car, I was instructed to call the installer as soon as the money cleared, bank of America had cleared the check I was then instructed to pay the installer on XXXX XXXX  XXXX dollars which kept saying the transaction failed, when looking back at my statements the gentlemen had got the XXXX and my account automatically minused and left me in the whole XXXX dollars, I don't understand why bank of America gave the company back there money because they said they never issued me a check, instead the minused me XXXX dollars and closed my account with no explanation and still won't hear the side of the story, not just only that, I don't agree with them not posting deposits on the weekends, that doesn't make any since to me personally, ( example ) say I put XXXX in the bank on Friday I withdrawl XXXX which says I have XXXX on my receipt, so I know not to go over XXXX well on the mobile app I look at my account and there saying that a transaction is still pending well I go to the bank and check my balance and the restaurant took out the money already, what does that mean that it's still pending and they don't post transactions on the weekened when the transaction was finished pending they double charged me and kept leaving my account over drawn and would take it out of my other accounts like my credit card which I still have that I'm not understanding where the overdraft fee, is coming from just says overdraft fee and doesn't say where the transaction came from, ive had plenty of conversations with bank of America and don't get none of my money back that they took, I deposited XXXX dollars one time and the receipt said I had XXXX dollars it's been a mess with bank off America and me.
Product: Debt collection

Commonwealth Financial is claiming that I owe medical debt from XXXX and XXXX of 2017. There was no medical debt owed as I had an HMO plan through XXXX XXXX XXXX. All of my co-pays/deductibles were paid at the time of service. These reports of debt owed are false and are negatively affecting my credit. They placed XXXX separate collection amounts on my credit {$1200.00} {$1100.00} {$1100.00}.
Product: Mortgage

Previous loan service company, XXXX XXXX. ( representing XXXX XXXX XXXX  ), transferred my account balances to new service company, BSI Financial Services ( BSI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, TX., XXXX. XXXX  transaction history ( See attached ) shows the escrow account was closed. Unfortunately, that escrow balance of {$770.00} is not reflected in my BSI account. 

Also attached is a synopsis of some relevant email communication. Please note that while these emails were exchanged, several calls were made to BSIs customer service department. During these calls I was told that my issue was transferred to the appropriate department for resolution. However, when I call back to follow-up, there is no notes of activity on my account regarding the previous call. 

Subsequent to the attached emails, beginning on XX/XX/21, several payments reversals were made on the account and now BOTH my principal and escrow balances are inaccurate and WRONG!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX for 7 years.XXXX should be listed as a NON-ADVERSE account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, consumer and natural person am aware of are protected by the under the fair credit reporting act ( fcra ) the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX5 usc 1681 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 or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I settled a debt with Midland Credit Management in XXXX 2016 relating to a XXXX account opened through XXXX XXXX XXXX XXXX. XXXX was reporting the account to the various consumer credit reporting agencies as a collection. When I spoke with Midland 's agent, I specifically asked him if Midland could request the credit bureaus delete the tradeline reported by Midland. Midland 's agent replied that yes, they could and would ask the credit bureaus to delete its tradeline after the account was paid. 

However, Midland did not do this. Rather, they simply re-reported the debt as " paid, '' which still leaves their prior negative information on my credit reports and negatively effects my credit scores. I was very specific in my request, and was told by Midland that it would delete its reported information. 

I feel as if Midland simply told me something to get me to pay an account, and had no intention of honoring its agreement. I am aware that Midland records all of its phone calls, so this should not be hard to establish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its fraud
Product: Debt collection

Several times in the month of XXXX Discover called my cell phone back to back times daily each week. Even called outside of normal collection time hours per XXXX time zone.
Product: Debt collection

XXXX is reporting this information and I need this DELETED immediately. Other bureaus have removed this account. They are reporting two separate account numbers with two different balances. They are reporting wrong dates and erroneous information.

I have repeatedly asked this collector to verify this debt. Fifth time and nothing has been validated to what is needed as verification. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights. 
Remove fraudulent accounts from my credit report. I am trying to get my approval and this account is holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove my extended fraud alert and consumer statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX/Equifax/XXXX  Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Debt collection

I have never received notice of this debt. The account in question is reporting to the credit bureaus and I have since disputed specifically through XXXX. They in turn preceded investigation and they found that it meets FCRA requirements. I still have not received any documentation validating as to why I am liable for this debt. Also per NRS 11.190 2 ( c ), the period of limitations to commit actions against contracts or obligations not found in writing has been reached.
Product: Credit card or prepaid card

Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX leave XX/XX/XXXX 2018 and will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.
Product: Debt collection

I was down to owing XXXX XXXX XXXX back in spring/summer of XXXX when I had a death in the family. In XXXX of XXXX, XXXX XXXX contacted me and said if I pain 80 % of the remaining balance, {$280.00}, they would mark the loan as paid in full and close the account, so I did and they sent me a receipt. Now suddenly, 6 months later in XX/XX/XXXX, a collection agency Ability Recovery Service starts reporting to all 3 credit bureaus that I owe THEM the {$360.00}. I have tried to call the number that they list, but it comes up either busy like it's off the hook, or no one answers. 

THIS IS FRAUDULENT and unfair and an attempt to collect on something that has already been paid. I WILL NOT pay twice and the fact these people NEVER WROTE to me, called me or contacted me says it all. 

I want it taken off my credit report. And I want credit reporting businesses like XXXX XXXX, XXXX   and XXXX  to be held responsible. Apparently they will just take ANYONE 's word WITHOUT ever ACTUALLY verifying information. I could send them a letter saying my ex-husband owes me {$36000.00} and they would put THAT on his credit report. SHAMEFUL!!!!! Goes against EVERYTHING the FCA is suppose to protect consumers from.
Product: Credit card or prepaid card

I sold my gift cards to XXXX  who has left it in " in review '' status for 2 weeks. Emails, XXXX posts and XXXX posts have all gone unanswered. Offer number is XXXX.
Product: Debt collection

Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ).  Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Product: Debt collection

Professional Adjustments is representing XXXX XXXX in collection of a doctor 's bill. They will not cooperate in correcting this error. They reported that a bill for {$320.00} is owed. It appears on my credit report and is very damaging. I do not owe the bill and when I called them they said they did not place it in collection, although it is their name, address and phone number referenced on the report. Their rude, ignorant attitude is unbelievable because they will do nothing to correct the situation XXXX call credit bureau ). It is causing havoc in my life as I am buying a new house and will cause a higher rate if not corrected. The physicians who use them should realize the horrendous customer service they provide.
Product: Mortgage

On XX/XX/XXXX, I made a 1 time payment around {$510.00} to Citi Mortgage using the Citi Mobile application for XXXX. The mobile application allowed me to transfer money from my Citibank checking account to my Citi Mortgage account instantaneously. 

On or around XX/XX/XXXX, I checked my available balance using the Citi Mobile application, and noticed that my available amount was much more than I thought it would be. I then looked at my recent transactions and noticed that my Citi Mortgage transfer payment was not listed. To avoid making a duplicate payment and or to confirm what the mobile application was showing, I called the Citi Mortgage payment department. The Citi Mortgage representative explained to me that the Citi Mortgage payment was also not showing on his end, so I went back on the application and repaid.I contact Citi Mortgage to explain what occurred, however they explained to me because the payment only reflected the payment on the second attempt that my payment will appear as late on my credit report. 

I tried contacting other departments such as Citi Executive Unit, Citi mobile application department, who both were able to retrieve the information of when I logged on to the Citi Mobile application on the date of my first payment attempt on XX/XX/XXXX. Even with these details, Citi Mortgage have refused to remove the late payment credit reporting due to the mobile application glitch.
Product: Credit card or prepaid card

I applied for an Apple Credit Card through Goldman Sachs and my application was denied because of my credit and things on my consumer report. I can not be denied because I am the one who is extending credit to them, not them extending credit to me, especially since I make more than enough money to get any credit card I want. Per to 42 USC 408 asking for my social security number on any credit transaction is unlawful because there is no lawful money, and thats a crime. Also, per 15 USC 1602 ( g ), me, the consumer, is the creditor. I feel like I have been discriminated against by this companys actions for applying for this credit card. It is against federal law to be discriminated against for a consumer credit transaction per 15 USC 1691 ( scope of prohibition ). As a federally protected consumer, my rights have been violated and if this matter is not fixed, I will pursue actions for monetary damages for having my rights violated.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. IT AFFECTS MY CREDIT REPORT. 
XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. FACTUAL DATA The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : 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
Product: Money transfer, virtual currency, or money service

My name is XXXX, i send money through remitly app, my 3 transaction were not deposited in my account, i was stuck in the cruise ship so i cant check my money, when i come back to XXXX i checked my account it was not there, i contact the company service centre, they said your one number was mising in your account number, i was sure becuase they send me mail, your money deposited in your account, i just miss one number when i send money but other information was right, ifsc code, bank name and branch name i want fefund that amount i am in trouble now.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments do not align with my typical payment history.