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

XXXX has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. XXXX  has {$170000.00}, which is inaccurate. Please have them fix my report.

XXXX also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years.

Not one item on my Equifax report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by 64 points and then 14 points there after.

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by 64 points and 14 points.

I have not missed payment with any creditor in the last 12 months.

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My XXXX  score is tied to Equifax, and XXXX  on my membership with XXXX. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to the 3 credit reporting agencies Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Regarding these two collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX- {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.
Product: Mortgage

On XX/XX/XXXX, we closed on a new construction XXXX XXXX house. Our original loan was through XXXX XXXX, which is a part of XXXX XXXX. Our loan was sold to RoundPoint Mortgage shortly after closing on our house. 

On XX/XX/XXXX, an escrow analysis was performed. We received the escrow analysis statement letter on XX/XX/XXXX. Upon opening the letter, I noticed that our mortgage payment was going up 134 % from {$1500.00} to {$2000.00} due to a shortage that was calculated from an incorrect entry of the estimated taxes. 

The taxes on the property will be approximately 1 % that is paid out in two annual payments. This information was clearly provided by the original mortgager in the closing paperwork but was incorrectly entered into RoundPoint systems. 

On XX/XX/XXXX, upon receiving the escrow analysis statement, I immediately called into the support number at RoundPoint Mortgage. The person I spoke with said that they would schedule a new analysis. I was told the analysis would be completed XX/XX/XXXX. 

I have since called in several times to get an update on this new escrow analysis, but there has been no update. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - there are no updates. On one of the calls, I was asked by the person I spoke with if I had a tax statement that I could send them showing the taxes on the house - to which I responded, this is a new construction home and has not been assessed yet. 

RoundPoint should know that this is a new construction house and has not been assessed yet. They should further know that making changes to the escrow in this fashion given the details of the mortgage is irresponsible. Given that it is more 30 days since I originally contacted RoundPoint in regards to this error, they are now being negligent in this issue and I will be reporting this to the Consumer Financial Protection Bureau. 

Additionally, because RoundPoint does not accept any payments less than what they deem to be the full amount, I am unable to make my normal mortgage payments until this gets resolved as I don't have $ 500+  that they have increased my payment to. I am concerned that this will not be resolved during the grace period to make my monthly payment. 

I was also told by the people I spoke with that there is no way to directly contact the part of the organization that does the analysis. They additionally told me that they don't have direct connection to this part either, all they can do is email them. How is this an acceptable practice that there's no direct contact with the part of the organization that performs the analysis and the homeowner is subject to whatever is decided and has no active way to resolve the issue - which I am attempting to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. 
I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.
Product: Debt collection

An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX XXXX and/or XXXX, XXXX but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 
XXXX XXXX Collections XXXX XXXX/ XXXX XXXX XXXX - XXXX collection practices. 
CFPB XXXX XXXX of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Product: Debt collection

i am writing to u to let this company know i want the XXXX taken off my credit report since they closed it on XXXX XXXX it is XXXX XXXX/XXXX XXXX they closed it and charged it off on XXXX XXXX it is also has the same address as XXXX XXXX i sent a claim too and that claim number is XXXX and one for XXXX
Product: Debt collection

I was robbed and was told I would be compensated for the faulty system that was installed and it never called the police. Never alerted me and was told that the head office will credit me for this faulty system its 's been more than 2 years I never got the credit promised for payments made for a faulty system. I called XXXX on several occasions trying to resolve the bill each and every time they would place the money I paid on another account and would always cross two accounts into one I would pay my bill and then a week later find out I still owed more money than the last week that I paid. They would take the money I paid and add it to another account and sometimes bill two people for the same bill. They would even bill someone that does not have an account whose contract had ended years ago and reactivate the account in order to get payment. Billing two people at the same time for a bill in order to get money. I called on numerous attempts for a break down of payments only to never get it I requested credit for installation of new equipment would not get it. They would install a system and refuse to come back and maintain it less than a year or even a few months of install wanting the customer to pay for their mess up and charging for any problem with their system. XXXX refused to come out and repair their faulty system refuse to upgrade smoke detectors and would bill customer for their yearly upkeep and would never maintain new upkeep and constantly wanted payment for out dated systems or smoke detectors that should have been replaced years prior. They would say they are not charging then add the service of their system to your bill and when you would dispute it immediately put you in collections and demand payment XXXX needs to be looked into for reactivating old accounts putting customers in collections for service on their system which they refuse to maintain or upgrade. Charging customers for issues due to their mistake. XXXX is fraudulently reactivating unsigned accounts without the customers signature nor authorization and adding upgrade to a non upgraded system. Billing people and ruining their credit who no longer have an active account. Say that they are coming back and it won't be a charge then charge large amounts to the account without the customer signature or authorization. XXXX is notorious for taking advantage of the customers trust in safety would install a system that is faulty and want full price even after the customer has been robbed due to their faulty system. Charging for dysfunctional cameras and also service calls that they should included in the service due to storm and bad weather which is not the customer fault but somehow the bill is being billed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have filed several complaints requesting Experian to provied the vendor they claim verified the Bankruptcy on my credit report i attached documents that the courts dnt verify with the credit bureau Date Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ask for vendor name that verified the Bankruptcy the courts do not verify with credit bureau i attached document
Product: Debt collection

They keep calling my phone so often that it interrupts all other business I'm trying to do with my phone. It rings every XXXX seconds or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a credit card through XXXX. At the time of that opened account, I was experiencing difficulties with receiving income due to XXXX XXXX and not being able to work. I was homeless at the time and couldn't pay my bills. This account went into collections with XXXX XXXX. After XXXX XXXX placed derogatory marks on my credit report through XXXX and Trans Union, they sold this account to XXXX XXXX XXXX XXXX. 

In XX/XX/2015 I was awarded XXXX XXXX with backpay for the years I was unable to work. I then called the creditors that I had debt collections with and paid all of my debts in full. I also requested to have these accounts deleted, which was agreed upon. Neither the account through XXXX XXXX or XXXX XXXX  were ever removed. This year i've checked my credit reports, because my score has still been low, even after paying these debts. I've contacted XXXX XXXX and XXXX XXXX to ensure that they remove the derogatory accounts from my credit reports, because they have been having a negative impact on my credit score. XXXX XXXX has removed this account from all 3 credit reporting agencies while XXXX XXXX  has not. I have also written letters to both Trans Union and XXXX requesting that they be removed with no response to my disputes. I am taking it a step further by contacting the CFPB for assistance. 

In this correspondence, I will include the letters I have sent to XXXX and Trans Union ( both  notarized ), I will include the letter from XXXX XXXX stating they are not responsible for the account anymore, and I will include the letter from XXXX XXXX XXXX XXXX stating that the account has been paid and they have removed it from my credit reports. The account numbers for XXXX XXXX and XXXX XXXX are the same.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filling this request several credit inquiries that were unauthorized to be removed from my credit report. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Starting XX/XX/2022 I began written correspondence via e-mail, later phone calls, with the store manager of my local TD Bank branch that later included regional and operations managers about a number of matters including : acceptance of assignment as successor agent under DPOA ; access to copies of the banks records, transactions, history of correspondence and telephone notes, and profiles for my accounts and those for which I have responsibility as agent under DPOA for my elderly mother and necessary for the estate administration of deceased relatives. 

The bank has repeatedly refused to supply written documentation of these items and supplies no ability to report activity related to fraud or possible identity misuse except verbally over the phone. 

The bank supplies no written confirmation of discussions, actions to be taken, or those taken. Information supplied verbally over the phone is often incomplete, incorrect, or contradictory to previous statements and information on the Banks own website. For example, yesterday, the Banks customer service department reported a invalid phone number associated with one of the accounts, but the fraud department ( to whom I was transferred on the same call ) reported no record of that phone number. 

The reason for yesterday call is that transactions shown on the on-line portal have lines that end with the XXXX language symbol for XXXX XXXX. The TD Bank fraud department acknowledged this as a comprise of the accounts, and initiated a lock down of the accounts and profiles, but stated that their processes do not provide for supply of written confirmation of actions taken, time lines, or instructions for me to follow at my end to reestablish new accounts, profiles, user names, passwords or keypad PINs, or to confirm the accuracy of the report in the Banks records. They admitted that they, and the local branch, were on different systems and could not always see the same information about my accounts and profiles. 

The complete e-mail chain is available but contains personally identifiable information so I am not supplying it at this time. 

Contacts at TD Bank NA, XXXX, NH involved in these communications include : XXXX XXXX, XXXX, VP Store Manager, XXXX NH XXXX XXXX, XXXX, Regional Retail Office Manager XXXX XXXX, XXXX, VP and Regional Operations Manager TD Bank Fraud Department : XXXX XXXX XXXX TD Bank Customer Service Department : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I requested to Wells Fargo to remove from my credit report. On XXXX 2020 I received their responded. On the letter, they asking the consumer reporting agencies to update their records to show the credit inquiry as a soft inquiry. Its has been two months since then and Hurt Inquiry still on my credit report.
Product: Credit card or prepaid card

I use my XXXX Citi card to purchase a trip with travel insurance on XXXX of last year, I had to cancel due to the pandemic crisis and travel restrictions beyond my control. I contacted the CITI, credit card company and XXXX, they claim that they would give me credit instead of returning my money. Even though this is not fair, so I want to use my credit to buy the same trip and Im being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO MANY TIMES I CALL EXPIRIAN TO DELETED ADDRESS IS NOT BELONGS TO ME THEY REFUESED I SAID THAT I HAVE TO DISPUITE DIRECT WITH THE SOURSES. WHEN I ASK THE SOURSE THEY REFUUSED TO TELD ME WITH CREDITOR REPORT THAT ADDRES THE ADRESS IS NOT BELONGS TO ME AND IT HAS TO BE DELETED IS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I NEVER BE ASOCIATED WITH THAT ADRESS
Product: Credit card

Walmart credit card XXXX Was in debt paid rent for two months as got XXXX  and ended up in hospital and never knew about low income programs that help with rent and couldnt walk to be XXXX and was scared
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from XXXX, XXXX and Experian all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Product: Checking or savings account

Between XX/XX/XXXX and continuing until now, XX/XX/2024, Chime has kept me from being able to access the funds in my account. This has caused me a lot of distress and much hardship. I have been out of state and unable to pay for food or shelter. I have repeatedly let this company know as I have spent over 70 HOURS in hold or on the phone with people who could not help me. I was repeatedly told I had to wait 24 hours for the problem to 'fix itself ' which of course it never did. I can not really express with mere words how astonishingly incompetent and heinous this company is. As soon as I can get all my money out of their filthy hands I will. They should be avoided like one should avoid a XXXX XXXX! I am absolutely not being hyperbolic. I mean this quite literally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I am filing this complaint to inform you that Ally Financial has unlawfully reported unauthorized inquiries on my XXXX and XXXX consumer reports. I have not given permission for Ally Financial to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with ALLY FINANCIAL for review or collection. I wrote to Ally Financial on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve these issues to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to XXXX XXXX required by XXXX XXXX. XXXX ( f ) ( XXXX ) to establish permissible purpose and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX and XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violations ), XXXX ( XXXX violation ) By obtaining my consumer report on the aforementioned dates without any permissible purpose, Ally Financial is in violation of the Fair Credit Reporting Act ( FCRA ), codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ), XXXX XXXX. XXXX ( f ) ( XXXX ) XXXX XXXX. XXXX ( a ). Therefore, Ally Financial has committed XXXX XXXX. XXXX, which is tantamount to XXXX XXXX. XXXX. This statute invokes XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) XXXX XXXX : section XXXX of the XXXX XXXX ( XXXX XXXX. XXXX ) ( relating to obtaining customer information by false pretenses ) ; XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) XXXX XXXX. XXXX XXXX XXXX. XXXX ( f ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CFR Part XXXX, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : XXXX XXXX. XXXX ( f ) ( XXXX ) XXXX XXXX. XXXX ( a ) XXXX XXXX. XXXX ( a ) XXXX ( f ) ( i ) XXXX XXXX. XXXX XXXX XXXX. XXXX Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.