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

I reported a credit reporting issue to all 3 credit bureaus regarding XXXX XXXX  reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received 2 letters stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and Transunion, and nothing from XXXX. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit bureaus continue to report incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( XXXX, XXXX, or TransUnion. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer report.
Product: Debt collection

I have been trying to get several medical bills removed from my consumer report. My information was shared without my permission violating several of my rights. There are XXXX accounts totaling {$4000.00}. Ive asked for verification of debts and have not received any. 
I have not supplied proof under the doctrine estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start by saying I am part of the equifax data breach. On XXXX I received a notification from XXXX XXXX about a hard inquiry on my equifax report. I disputed the inquiry same day. On 1XX/XX/XXXX I received the results of dispute as factual. I have not applied for credit recently. I am saving to buy a house and am no longer applying for credit to allow all inquires to fall off. The company is XXXX/XXXX/XXXX  XXXX. On XX/XX/XXXX I  received a further notification of a blocked attempt to access my transunion account. I locked all 3 accounts on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputed with Equifax. 

They are violating my consumer rights tremendously. 

Per Consumer law 15 U.S. Code 1681c2 States that you are required to 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, not later than 4 days of receipt without prejudice. 

I have sent multiple disputes via mail and through CFPB. The company replied back that they sent the notification via mail and they did. 

However, they sent me back a generic verified result when I asked for verification and validation that I owe the debt. 

Equifax has failed for the 4th time to send me proof that i owe this debt or an application bearing my signature. To this date neither has been provided. 

Equifax has up right refused to block this fraud after I have provided police reports and a FTC report. Equifax is the only CRA that refuses to abide by consumer law. 

Equifax dispute results confirmation numbersXXXX & XXXX ( results are attached ) This company is neglecting the rights of consumers and causing people to endure hardship due to their negligence. 

All items attached were sent to Equifax via mail and received XX/XX/22 per XXXX tracking. 

This is my second FTC report being sent to Equifax.
Product: Debt collection

HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive
Product: Debt collection

RESIDENTCOLLECT INC claims I broke lease by not providing " Intent to Vacate Notice '' and that I owe 2 months rent. I have document that proves I gave 30-Day Notice with copy of Military Orders. Document was signed by Property Management personnel on XXXX XXXX 2011. After finding out I was in collection, I called property manager and she agreed to remove account from collection which never happened. Collector did not accept my document and became abusive, used profanity and obscene language and threatened me with legal action. I am very frustrated because now the property management company at XXXX XXXX XXXX is no longer a business and the new property management company can not help me out. I feel that the burden of proof is on me and I have provided a document that shows that the property management office received and verified military orders in support of execution of my military clause and RESIDENTCOLLECT INC is undermining that. I feel this collection agency is abusive and is taking advantage of me as a consumer. I feel the document provided should have been sufficient to remove my account from collections immediately. What needs to be asked is what instrument ( s ) are using to claim I owe anything? You will find my document sufficient evidence to refute their baseless claim. They should be held liable as well for their rude and offensive behavior. Please have them provide any and all phone conversations they have had with me so that you can see how they have violated my rights as a consumer. this account needs to be removed from collections immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charged-Off Account Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of the charged-off account associated with XXXX XXXX XXXX  on my credit report. I have reviewed my credit file and believe that the information being reported is inaccurate, incomplete, or unverifiable. This letter serves as a request for the immediate investigation and correction or removal of this item pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates the responsibilities of furnishers of information to consumer reporting agencies. 

Account Information : Creditor Name : XXXX XXXX XXXX Reporting Agencies : Experian, XXXX and XXXX As outlined under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to consumer reporting agencies and promptly correct any information they determine to be inaccurate. Additionally, FCRA 15 U.S.C. 1681i ( a ) grants me the right to dispute inaccurate information and mandates that the credit reporting agencies conduct a thorough investigation of my dispute. 

Given the above, I am requesting that XXXX XXXX XXXX  provide the following : Documentation verifying the accuracy and validity of the reported information. 

Evidence that the account was reported in full compliance with all relevant laws, including the proper validation of debt as required under the FCRA and other applicable consumer protection statutes. 

Documentation of any and all communications regarding this account. 

If you are unable to provide the requested documentation, I demand the immediate and permanent deletion of this account from my credit file, as its continued reporting would constitute a violation of my rights under the FCRA. 

Please note that under the FCRA, failure to comply with the above requirements may subject you to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies available to me. Should this matter require legal action, I am fully prepared to exercise my rights. 

I request that you complete your investigation within the XXXX period provided under the FCRA. Upon resolution, please provide written confirmation of the actions taken regarding this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for {$2500.00} line of credit. My sales representative XXXX let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was {$250.00}. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. 
On today XX/XX/2017, I registered my Ashley Furniture card that I received in the mail and did a check on my account details online. I noticed that my balance was {$2700.00} which was expected. It also showed that my credit limit was {$2500.00} and {$250.00} over the limit. I am absolutely disturbed seeing this. Going over the credit limit on a credit card is detrimental to the credit score and history. I immediately called Synchrony and they stated that I am over the limit by {$250.00}. There is nothing that they can do except request an increase for {$250.00} or me pay the {$250.00} to reduce the balance. I called Ashley Furniture and they said there was nothing that they can do as I have received my furniture. My credit report and score means my lively hood. I make sure that I make payments on time and cause nothing to negatively affect my credit. I agreed to the sale however, I did not give any authorization for the store to charge my line of credit over the limit. I signed for the total sale amount. They used this as a predatory sales tactic to get consumers to buy. I was told that they would increase my credit limit by 10 % as almost like in-house financing. I was not told that it would be reported as over the limit to the credit bureau. 
This is predatory lending to get sales and I would have never authorized someone to charge more than what my limit allowed. Please Help!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have all reported collections on my credit report that do not belong to me. Specifically, the collection from XXXX XXXX XXXX, which states I owe {$510.00} for a XXXX  account, is fraudulent. I spoke with XXXX XXXX from XXXX XXXX XXXX, who confirmed that my last name was spelled incorrectly in their records, and she flagged the account as fraudulent. Furthermore, the {$350.00} charge for XXXX phone line is unreasonably high and inconsistent with XXXX pricing, which makes it evident that this debt is not mine. I never had an account with XXXX XXXX XXXX XXXX XXXX XXXX  ; I was on my mothers plan. 

In addition, a collection from XXXX XXXX XXXX, claiming I owe {$470.00} to XXXX, is also fraudulent. XXXX confirmed that I do not owe any balance and advised me to report this charge as fraudulent. 

What is troubling is that XXXX added the XXXX XXXX XXXX collection to my report after removing the XXXX XXXX collection, which had never been on my report to begin with. This raises concerns about the accuracy of the data XXXX is reporting and the lack of proper verification before reporting these collections. My last name was misspelled in one of the fraudulent collections, further indicating that these records were never properly validated. 

I request that XXXX, XXXX, and Experian immediately remove these fraudulent collections from my credit reports and thoroughly investigate the accuracy of the information they are receiving from the companies reporting these debts.
Product: Credit card

XX/XX/XXXX I purchased a TV on a credit promo from Best Buy. This XX/XX/XXXX it was due to expire. I called someone at the credit center and asked them why the balance was higher than I thought and did my payments go to any of the promo balance. They checked and said some payments went to the regular balance which was a low amt. I asked her if she could allocate any amount to the promo balance. She checked and she said she could with 2 pmts of {$25.00}. ea a total of {$50.00}. My promo balance at the time was {$350.00} and with that credit it would be now {$300.00}. So I said are you sure it would be fixed and she assured me it would. On XX/XX/XXXX I called the payment center to make a payment instead of making it online as I always do. I talked to someone named XXXX and I told her the story and wanted to make sure the promo was correct so I made a payment of {$300.00}. When I received my statement for this month they charged me {$380.00} for interest charges accrued on the account because I did not pay it in full. I called the credit center today XX/XX/XXXX and they said they can not fix it. They said in their notes they could not fix those 2 payments so my balance was {$350.00}. I told them that I had no idea that it was not corrected and nobody called and told me otherwise. I asked to talk to a manager and she precedes to tell me the same thing that I did not make the full payment so I owe the finance charges. I then asked to talk to someone higher and they said they would have to send it to be reviewed and see the conversation and will contact me at a later time about it. I am sending a written formal complaint to the company but I am afraid that they are not going to do anything because they do not act like they did anything wrong. I would have paid the amount in full if I thought for any reason that it was not adjusted. Why would I pay the {$300.00} on time? If I did not care about the finance charges I could have saved myself some money and just pay the minimum. I do not know what else to do.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Mortgage

Bank of America holds our second mortgage. IN XXXX we paid off the first mortgage with them and most of the second mortgage. 
The remaining was XXXX dollars. The monthly payment on this had been XXXX dollars a month since XXXX of XXXX. When we were notified and attempted to pay the monthly payment we where told we had to pay XXXX dollars and the teller refused to take the XXXX dollar payment. So we went online and it would only take the XXXX dollar payment also. After months of negotiating and trying to get this resolved has failed. All efforts to resolve this has failed. Resulting in accumulating interest and penalties and our credit being destroyed thru the process. 

The original loan was only XXXX. Bank of America stated the payoff XXXX which was not correct. The loan had never exceeded the original amount of XXXX. 

The complaint is that the bank made an error. Would like this to be corrected
Product: Mortgage

I currently working with Total Mortgage regarding my loan modification due to COVID-19. I gave them all necessary documentation and was told my payment would be lowered by {$200.00} from {$3300.00} to {$3100.00} dollars. When filling out the documentation, I requested my payments to be returned to the original amount of the refinance contract of {$2800.00} that had been increased because of the misinformed representative that told me not to pay my equity while XXXX XXXX XXXX XXXX XXXX XXXX 2020. In addition, while my account was on forbearance they informed the 3 credit bureaus that I had a month of late payment which gave me a negative rating. I requested it to be removed being that by law its not supposed to show any negative remarks while on forbearance.
Product: Mortgage

We have been trying to obtain the correct payoff letter from BSI financial since XXXX. We have called several times and we have even spoken with the department that issues this letter, and the insurance department too, and they told us that there was a mistake and that they would fix it in a couple of days, that was three weeks ago and we still have not received the payoff letter.

The escrow balance must be reviewed because it is incorrect it shows two discounts ( {$1900.00} XXXX & {$3.00} - XX/XX/XXXX ), for this year we already paid the housing policy in full and we sent you the documents twice. The last time we spoke to customer service was XX/XX/XXXX, we emailed the policy documents and we received a confirmation email. We did it again today XX/XX/XXXX. 
" Thank you for submitting your insurance documentation. Please note this is an unanswered email address. Please allow up to 5 business days for processing ... '' We are so tired of dealing with BSI, they have serious organizational problems that are affecting us financially and It is impacting our mental health.

We are entitled to receive this letter with the correct amount this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Product: Debt collection

Recent credit review revealed accounts that seem incorrect and added without consent ; request urgent removal and blocking.
Product: Mortgage

continued complaint- XXXX Date XX/XX/20151. The Banks continue to disregard of my rights.. 
2. The Banks failure to release insurance proceeds to me, after instructing me to endorse the check to the bank, make the repairs with my money, let them inspect the home, have an affidavit notarized, pay the loan current with my attorney is distressing. 
3. The Banks are not disclosing to me important information necessary to make the payments to the loan and keep the loan current. 
a. P.I.T.Ib. PAYMENT AMOUNTc. LOAN AMOUNTd. LENGTH OF LOAN4. The Banks are violating Dodd Frank Mortgage Servicing rules by not promptly providing successor in interest ( me ) with important information needed to keep the loan current. 
5. The Banks are Violating Respa- by not providing me with an annual statement and impound account statements. I pay the insurance and I am entitled a copy of the annual statement of payments. 
6. The Banks are violating Fair Debt Collection Practices act by not providing notices and communication to ( me ) borrowers. This affects my ability to keep the loan current. 
7. The Banks are violating the Final Mortgage Servicing rules. Error resolution, information requests, general servicing Loss Mitigation policies & procedure requirements are not being disclosed or handled in a timely manner. 
8. The Banks are violating the FTC- Debt collection practice by making false & misleading statements. 
9. The Banks are violating the Early Intervention Rule by not providing information to me. 
10. The Banks continue to cause me unnecessary harm and emotional distress.
Product: Debt collection

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that GENESIS CREDIT MANAGEMENT are alleging that I owed an amount of {$15000.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and GENESIS CREDIT MANAGEMENT has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and GENESIS CREDIT MANAGEMENT failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 

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

On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX Texas XXXX collection account reported on my credit profile. I have asked the bureaus, XXXX and Experian, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I am requesting that Experian and XXXX remove the account from my credit report immediately.
Product: Credit card or prepaid card

Comerica Bank ... .UsDirectExpress ... Military XXXX payments access of my account fraudulently in excess {$21000.00} in XXXX XX/XX/XXXX. Locked account and filed a fraud claim with UsDirectExpress ... awaiting a resolution as of XX/XX/XXXX