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

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 60 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 XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no help.
Product: Credit card or prepaid card

American Express has Charged off this account and is still reporting on my Consumer report. American Express has also filed a 1099c on this account. PLEASE SEND ACOPY OF MY 1099C. 

If this mater is not resolved in 14 days I will follow suit with further proceedings respectfully
Product: Credit card or prepaid card

i was scammed but i gave the man vanilla visa debit cards can they be traced to whoever cashed them XXXX
Product: Debt collection

I am filing a formal complaint regarding ongoing harassment and illegal actions by this collection agency. Despite repeatedly informing them that I have never opened an account with any of the companies they claim I owe money to, they have continued to harass me with constant phone calls. I have explicitly asked them to stop contacting me, but they have ignored my requests, and their representatives have been aggressive and unprofessional, with one even using foul language. To make matters worse, I have recently discovered that they have reported this collection to my credit bureaus. This is an illegal action as I am not the person they are looking for. I demand that this information be removed from my credit report immediately, or I will be forced to involve legal counsel to resolve the matter.
Product: Credit card or prepaid card

You already have received this information and you ignore these complaints. I have been scammed because your LACK of internal security measures that allowed a perpetrator to receive bank information from one of your account holders and paid this money onto my XXXX account for only to be identified as UNAUTHORIZED.. You have a serious security inside your office and should be ASHAMED of protecting not only your client but the associates that your supposed clients do business with.. As a result of your exposure I have had XXXX or so be paid into my account for a debt that was owed me to only be removed or clawed back days later to perpetrators that were paid prior to these events. In addition XXXX Admitted that there are flaws in the banking system and loop holes that allows perpetrators to scam innocent people like myself. 

IF this is not rectified and those monies put back in my account I will pursue legal issues that will show your bank and other banks these flaws that will hurt your company. I am not trying to threaten or hurt the bank, I want the monies put back in my account and you work this out with XXXX. In addition I want to have better security that people are real-time notified of changes to their accounts that would have prevented this from happening and me be out because of these perpetrators XXXX and nearly 1.5 million due to one of the ring leaders. I will expose this to the media which I really dont want to do but I may have to if this is not resolved
Product: Checking or savings account

I deposited a check XX/XX/XXXX .I waited a week for the check to clear XX/XX/XXXX. Chased cleared my check. The following week I go to check my account and I have no acesss to it. They wont tell me why its closed. I had XXXX XXXX in the chase account when they closed it. I have not received the rest of my funds. I was only sent XXXX XXXX The check I had deposited before my account was closed, a settlement check which in no way was fraudulent.
Product: Debt collection

Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it. 
My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.
Product: Mortgage

I was laid off from my job in XX/XX/2018. I made a lump sum mortgage payment so that my next payment was due in XXXX. I had also had automatic bill pay thru my bank for my mortgage. Aside from the lump sum, the mortgage company received an extra {$500.00} in XX/XX/XXXX. Just came I still could not find a XXXX and received a notice that my payment was going up because of negative escrow. I contacted 1st alliance to see if they could that {$500.00} payment and apply it to the negative escrow. I also applied for an unployment forbearance which I was denied for because I was not 60 days late on my mortgage. 60 days is when they are able to start foreclosure proceedings. I have paind not only my mortgage on time every month, but extra as well. Since XX/XX/XXXX ( if not before ). I have been told that the supervisor is looking into where my extra {$500.00} payment went. I have called multiples times per week for the past several months and no one knows how much my payment should be. I have also been told NOT to make a payment because they were unsure of the amount. I was requested to send bank statements to show the payments, and consistently am getting emails saying the payment I set up was returned ... ..I never set up any payment because I was advised not to. They have messed up my credit, chose not to work with me and now I have no idea when or how much to pay. This has become more than a hassle. They are basically refusing to work with me and now I am in fear of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Product: Checking or savings account

I am writing to formally express my concern regarding unauthorized charges that have appeared on my debit card and checking account by a company called XXXX. These transactions were not authorized by me and have caused significant inconvenience and financial stress. 

Despite contacting your institution on to report this issue, I have not received a satisfactory resolution. I am disappointed by your failure to properly address this matter, and I insist on an immediate and thorough investigation into these charges, with prompt reimbursement of the unauthorized amounts. 

If this issue is not resolved to my satisfaction within 10 business days, I will be compelled to escalate my complaint. I will file a formal grievance with the Consumer Financial Protection Bureau ( CFPB ) and notify the Texas Attorney Generals office. Additionally, I will consider consulting my attorney to explore legal options and filing a report with the XXXX XXXX XXXX regarding your handling of this matter. 

I trust you understand the seriousness of this situation and the importance of resolving this issue promptly and professionally. Please confirm receipt of this letter and provide a written response detailing the steps you will take to address my concerns.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **RE : Update Personal Information** Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 
I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
**Please delete the following inaccurate addresses : ** - XXXX XXXX XXXX XXXX, XXXX, FL XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX - XXXX XXXX XXXX, XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681b ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions of the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.
Product: Debt collection

I called outsourcing convergent inc on the XXXX XXXX XXXX and told them I had an account on my credit score from them. I told them that debt wasnt mine and it was fraudulent. No one has been any help. Ive called once a week for over a month now.
Product: Credit reporting or other personal consumer reports

JPMBC is reporting on my credit report as an open date of XX/XX/2023 this is a closed account that was not verified by me and sold to a debt collector. The date and amount are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's XXXX XXXX XXXX due to it's predatory lending practices have adversely affected me. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions. 

15 U.S.C. 1681C. ( A ) ( 5 ) Section States that no consumer agency XXXX make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I ( XXXX XXXX XXXX have reviewed my credit report and see that your company has listed an account XXXX XXXX XXXX bank card XXXX on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. I have never had an account with this company nor have I did any business with this company.

Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you.

Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Product: Credit card or prepaid card

On XX/XX/2020 I called Kroger XXXX, XXXX, XXXX credit card company and requested to have my credit card deferred. At that time, I was told my card would be deferred for 3 months with no interest or fees. 

I received my first bill after my request was made and I was surprised to find an interest charge for {$23.00} had been applied on my statement. Shortly thereafter I phoned the company and spoke with XXXX after explaining I was transferred to the supervisor XXXX who then told me I would be receiving a call from XXXX ID # XXXX. I received the call on Tuesday XX/XX/2020. She told me that her company had a different definition for deferring credit cards. Please tell me sir how can a company create their own definition for a word to suit the company? 

I understand the difference is the following : DEFERMENT vs. FORBEARANCE Credit card deferment describes a situation where you are able to skip your payments for a limited time, yet interest does not accrue on your balances. 

Credit card forbearance, on the other hand, describes a situation where you are able to skip payments on your credit card for a limited time, yet interest does accrue. 
Therefore, I feel as if I have been misled and the company refuse to acknowledge this fact. I would like this matter reviewed and corrected. 
I can be reached at ( XXXX ) XXXX or email me at ( XXXX ) I appreciate any help you can offer, thanks.
Product: Credit reporting or other personal consumer reports

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an unresolved issue related to an erroneous charge on my credit report, and the subsequent impact it has had on my financial standing. On XX/XX/XXXX, I placed an order for a treadmill with a XXXX which was later canceled, and the product was never delivered. Despite the cancellation, I was charged an unknown fee of {$11.00}, which escalated to {$76.00} without proper justification. 

Following this, I reached out to the company on XX/XX/XXXX, to seek clarification on the charges but received no response. As a result, to mitigate the impact on my credit report, I paid {$76.00} back in XXXX of XXXX to remove the charge, hoping to resolve the matter. However, the derogatory remark stemming from this unresolved charge continues to adversely affect my credit report, specifically hindering my ability to secure favorable terms for a mortgage as I am currently in the process of purchasing a home for me and my child. I disputed the charge again in XX/XX/XXXX, and they added more derogatory timing to my credit report which cause my credit score to drop by XXXX points. This has been devastating to me. 

The urgency of my situation necessitates prompt resolution. Therefore, I respectfully request your intervention in ensuring the removal of this derogatory remark from my credit report. The detrimental effect on my financial endeavors is substantial and requires immediate attention to facilitate a positive resolution. 

I kindly ask for your assistance in addressing this matter and would greatly appreciate your support in rectifying this issue. 

Thank you for your attention to this urgent matter. I eagerly await a positive resolution and appreciate any assistance you can provide.
Product: Mortgage

On or about XX/XX/XXXX, I was notified by United Wholesale Mortgage ( UWM ) that my mortgage payment was late and incurred a fee. However, I noticed UWM mis-applied a partial payment instead of crediting it to the next monthly payment. I spoke with a customer service agent who assured me the issue wouldbe resolved. 

In XXXX, I noticed I was still being told I had a late payment and charged another fee. I called again, and the customer agent assured me the issue woudl be resolved and " these things take time. '' I waited. 

Then I noticed in XX/XX/XXXX, the issue is still not resolved so I emailed the company thru their portal who said the issue woudl be resolved within 7-10 business days. I subsequently received a letter stating UWM was looking into the issue, but then I recieved a voicemail from UWM yesterday ( XX/XX/XXXX ) stating my mortgage was late and another late fee was applied. 

I called today ( XX/XX/XXXX ) and the agent said she would put in a ticket to solve the problem. However, I told her that I have already had at least 3 other contacts with the company beginnign in XX/XX/XXXX. She did not have an answer. 

I have documentation from my checking account that I paid over the amount for each month. I start making partial payments for the next month beginning after the XXXX each month ( since the billing cycle runs thru the XXXX ). The customer service Agent i spoke to in XX/XX/XXXX told me she would make a note in the file to ensure any payments made after the XXXX would be applied to the following month.
Product: Credit reporting

I disputed a credit card that was stolen and file police report gave case number to Equifax back I XX/XX/XXXX and the XXXX account was remove from my credit file. XX/XX/XXXX the XXXX account reappeared again on my credit report after 6 years. They can not just put anything they want back on my credit file. Also I have no missed payments or collections or public records and I was denied credit for serious delinquency. I contact Equifax who verified that I do not have any delinquencies but XXXX has denied me a credit line increase due to Equifax reporting as per letter I received. I am being block credit when I have good credit XXXX score. I want Equifax investigated they told me to have XXXX call their Business off ice to straighten this out. why is the business office involved with my social security number. This is a violation of my civil rights and corruption. I want all my information at Equifax updated and correct in the business office files.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FCRA XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.
Product: Debt collection

Upon reviewing my credit report I noticed that an account with Toyota auto financing was taken out I did not apply for an account nor did I give anyone permission to open an account with my information. I am a victim of identity theft and I have made a police report with my local police department.