23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text message on XX/XX/24 from XXXX from XXXX XXXX XXXX XXXX XXXX. wanting to set up a payment plan for {$100.00} a month for nine months. This payment plan is for Indigo XXXX I would assume is a defaulted account. 

I do not have or applied for an Indigo XXXX, so I do not know why this debt collector has my cell number and is trying to collect this debt from me. This company has started calling my cell today, XX/XX/24 at XXXX XXXX without leaving a message.
Product: Debt collection

this XXXX XXXX debt collection has been paid and they still showing out on my credit report and I dont owe them any money and Ive been sent the letter and they still didnt move it it from my credit report and I want them to move it soon Fast time oh Im gon na have a problem with the company because it has been paid delete that collection from my credit report.
Product: Credit reporting or other personal consumer reports

I am showing XXXX collections via XXXX XXXX on Equifax for XXXX for {$560.00} with different dates which makes no sense this seems to be an error as there are no reported collections on my Equifax report, please see attached and remove incorrect information immediately. 

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

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. 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 15 days. 

Personal Information : 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: Mortgage

On or around XX/XX/2021, I was notified by my credit bureau that a 30 day late was reported to my mortgage account. I have this account on auto/pay and in review of the payment history on the mortgage website ( mrcooper.com ) it shows that my payment are PAID and not late for the month in question : XX/XX/2021. 

I tried calling the loan servicer, Mr. Cooper, several times and it seems like each time, I get a different answer. It seems like the representative did not have the authority to resolve the matter after verifying that indeed the account is paid on time. Then, they said they will report it correctly to the credit bureaus correctly. Another rep asked me to submit the proof of payment when we can both see that it's paid and posted onto their website. 

I would like Nationstar Mortgage LLC/ Mr. Cooper to fix this wrong and update to the credit bureaus correctly and not make me just through hoops and having to file this complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian FICO score from Experian.com is showing me having multiple delinquent payments during the time I filed bankruptcy. I filed on XXXX XXXX 2022, and it was discharged XXXX XXXX, 2022, and although the actual credit report from the card/loan servicer show on time, Experian put an N for that month showing I have multiple negative marks on my credit suggesting I have multiple 30/60 day late payments. They need to report correctly. The credit cards/loans show what it is, how can they reflect any different?
Product: Credit card or prepaid card

I am a victim of identity fraud. My Discover, XXXX XXXX and tax returns have been hacked. I have a pin # to use for the IRS
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX XXXX Account that starts with XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX XXXX Account that starts with XXXX. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXXChapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.
Product: Debt collection

I received advertisement correspondence from local attorneys inquiring if I needed representation due to a recent lawsuit that was filed against me. This was the first of hearing of any lawsuit being filed. First of knowing about this company, Velocity Invesrments! I havent received any type of correspondence from this company, let alone a lawsuit complaint. Furthermore, I have no knowledge of this company, havent had any type of dealings or contracts, etc from this company! This is definitely underhanded and intentional to file a lawsuit against someone without proper notification. This most definitely violated my rights as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violaitons : Error submitting dispute Address XXXX XXXX XXXX XXXX TX XXXX Address identification number XXXX Residence type Single family Geographical code XXXX Details Never lived there Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item.

You may also submit supporting documentation for your disputes at XXXX. 

Error submitting dispute Address XXXX XXXX XXXX XXXX TX XXXX Address identification number XXXX Residence type Single family Geographical code XXXX Details Never lived there Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item.

You may also submit supporting documentation for your disputes at XXXX. 

Error submitting dispute Account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance Not reported Status Paid, Closed. {$250.00} written off. 
Date opened XX/XX/XXXX Details Other reason Additional information sent ftc and cfpb You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at XXXX. 

Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XXXX XXXX. 
Date opened XX/XX/XXXX Details Other reason Additional information see cfpb sent several times You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at XXXX. 



Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$440.00} as of XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Other reason Additional information see cfpb
Product: Credit card

I had affirm in the past but it was included in XXXX  XXXX bankruptcy. 

I tried reapply year later and they said I cant have accounts cause I owe balances? But they were cleared out in bankruptcy! I apply again and all my information, driver license, address are correct then it says they cant verify my identity.
Product: Payday loan, title loan, or personal loan

I got a payday loan from cash net USA and they been debiting money out of my bank left and right after I just paid them the full money back to them that I owed which they said I still owe them money which I have my bank statements to prove Ive paid them back. they did not want to transfer me to a supervisor they did not want to do anything about the situation and on top of that my bank closed my account from being negative for several months because of the loaning agency And Im on XXXX because of them. They were very rude not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I believe that my XXXX Brother, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XXXX Did not apply for an autoloan at that time. 
XXXX XXXX  XXXX Same day as before, did not apply for autoloan XXXX XXXX XXXX  XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX XXXX Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XXXX Did not apply for autoloan XXXX XXXX XXXX XXXX XXXX did not apply for auto loan XXXX- XXXX Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX brothers items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.
Product: Debt collection

some time on or about XXXX XXXX company by the name America express # account XXXX company gold card that XXXX a XXXX per year membership fee that was paid in XXXX on that statement for XX/XX/XXXX. the company have three account with American express never late or never missed payment. last year American express request a copy of the financial statement which they already request them back in XX/XX/XXXX. and the financial record was submit to America express.  America express after review those financial America express re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for America express stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask American express why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX. with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of XXXX XXXX XXXX XXXX , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work 82 hour a week just pay my bill.
Product: Credit reporting or other personal consumer reports

Paid {$57000.00} to Ford Motor credits with a balance of {$33.00} made by XXXX XXXX with ss # XXXX. Not reported to the three credits bureaus as a violation of Federal Truth In Credit Reporting Act, Federal Truth In Bill Payment, and FTC law as a neglect and breached of contract.
Product: Checking or savings account

My square app depends into a old account usaa Temporarily Reopened the account and took the money and will not give it back
Product: Checking or savings account

I opend an acct with citi as they advertised that If I opened an acct with {$5000.00} and leave it there for 60 days I would receive an incentive of {$200.00} I opened on XX/XX/XXXX after XXXX XXXX I Called XX/XX/XXXX the agent I spoke with confirmed that I would get the incentive, he was not sue about when That would take place. 

I called on XX/XX/XXXX Spoke with an agent who put me on hold XXXX she then infomred me I would get teh incentive I would need to leave the money there until " XXXX '' I asked to speak with a XXXX. 

A lady came on she also put me on hold and returned to tell me I would not get the incentive as " it's for chekcing only ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute issues related to my personal information in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). I have identified unauthorized entries on my credit report concerning the following accounts : XXXXXXXX XXXX XXXX XXXX : XXXX  I assert that these entries are not authorized by me and do not reflect my credit history or personal conduct. I suspect that my personal information may have been misused, and I am deeply concerned about the potential implications of identity theft. Therefore, I kindly request that you investigate this matter and delete these inquiries from my credit report. Under 15 USC 1681b, I am entitled to receive a copy of any report or information that has been provided to you by a consumer reporting agency regarding these entries. I request that you provide all relevant information concerning this matter, including any documentation that supports your findings. Additionally, under 18 USC 1028a, I wish to emphasize that the unauthorized use of my identification is a serious offense. If this issue is not resolved promptly, I may be compelled to take further action to protect my rights. Please investigate this matter and provide me with a written response within 30 days. I appreciate your attention to this urgent issue and look forward to your prompt reply. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover Fin Svcs card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to Discover and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to Discover and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.
Product: Payday loan, title loan, or personal loan

We ( XXXX XXXX XXXX, XXXX ) purchased a XXXX XXXX XXXX XXXX and financed the loan through XXXX XXXX which is a finance company. After our loan was in progress, the company renamed to : XXXX ( XXXX  ) XXXX XXXX   XXXX XXXX XXXX IL XXXX The account number was : XXXX XXXX It was a 5-year loan beginning in XX/XX/XXXX and paid off in XX/XX/XXXX The problem is we never received a lien release from the company after the loan was paid off. I XXXX  them to see if I could find a phone number to ask for the lien release myself but it looks like the company went bankrupt. 

We are going out of business and need to sell this trailer. We can not sell it without the lien release. We sure could use your help.
Product: Student loan

this is to piggy back on my claim XXXX They never got back to me. So why is this case closed? They gave me false information which I contested and after contesting it the claim closed without a response. And recently my loan interest went up again 3 % without my knowledge. I still have not been getting responses in the mail as I requested. When I asked if I can refinance they told me that I can, which is false ... they dont do refinancing, their " refinancing '' is interest only payments. At no time do they lower the interest rate. And they are not forthcoming that this is " interest only ''. I found out it was " interest only '' after asking a series of questions and asking what my new interest rate will be. They said it doesnt change and I would be paying interest only. Well, that is not refinancing. So I told them no, dont do that, I would never get the loans paid off all they would continue to make money off of me ... So they lied to me about lowering my interest. So recently I have been paying more on my student loans, as I would like to pay down the principle. And so their way of making more money off of me ( since I have been paying down the principle they are charging less interest ) is to increase my interest by 3 % on some of the loans ... So my increased payments mean nothing as now I am being charged more for interest. This is beyond bad business practice and does not have the lenders best interest in mind.
Product: Debt collection

I noticed a debt on my credit with Caine & Weiner I do not have a contract with them for any debt this is a fraudulent account. I have never heard of this company. U also do not have a account with XXXX or contract. All of my bill where also protected through Covid protection. This company is reporting I owe them a balance of {$270.00} open XX/XX/2022 I have never opened an account with Caine & Weiner. I disputed this with the credit reporting agencies & they verified this account as correct as if i had a contract with them. & left this n my credit report.
Product: Debt collection

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The accounts/Hard Inquiries below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries Name : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked XXXX XXXX and found a delinquency report from XXXX XXXX XXXX XXXX  in the amount of {$2000.00}. That debt does not belong to me. It is reporting incorrectly on my credit report. It need to be removed.
Product: Credit reporting or other personal consumer reports

The mortgage was cancelled under the Truth in Lending Act ( TILA ) RIGHT TO RECISSION via mail with document NOTICE OF RIGHT TO CANCEL on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Seen this company on my file named ABILITY RECOVER SERVICES and the amount of {$430.00} alleged to be owed and not sure who this company is nor this purported Debt.
Product: Checking or savings account

I opened a Citibank account a couple of months back. Before opening the account I informed the bank agent that my sole purpose for opening the account was to receive my EIDL payment from the XXXX. I was not told, informed or advised to open a business account. I asked several times to make sure that the funds would be deposited without a problem. About twXXXX months later I was contacted by XXXX and they gave me a list of XXXX questions to ask my bank. I called citibank on XXXX separate occasions and ask the questions. They responded and assured me everything would be fine. Once I received the funds I began to buy the products I needed to get my business going and paid and made payments on credit cards I had been using for my business. That same day I went to a branch to take out some cash more than the ATM would allow. There I was told I can not take out funds from there because I didnt have a business account. I immediately got back in the phone with Citibank and I was assured that my account was fine and good to go. The agent on the phone then advised me to go to another branch. On my way to the next branch I stopped at a store to get something when I realized my card had been shut off. After that I got back on the phone with Citi. I was told to wait. A 24-48 hrs for them to verify. After 48 hours I called back and was told to go to a branch with all of my business documents ; that once I went to the branch with my documents the block on my account would be lifted. So I took my documents into the branch. Once I submitted the documents I was informed that my account would be closed. None of the credit card payments were able to go through. That is so unfair. I followed every protocol. While on the phone and speaking to many different agents they all told me different things and they were all inconsistent. Its unfair I feel defeated and my business is taking the hit for it. I feel helpless and I dont know where else to turn. Every time I get through on the phone with a specialist they would just hang up the phone with out any real reason. Please somebody help me. I am a mother of XXXX trying to make a way and get ahead in life and its unfair that a company can just hold funds that belong to me without me being able to do anything and with no real solid explanations. I provided all the necessary documents to prove my business.
Product: Credit reporting or other personal consumer reports

US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I n

oticed an inquiry on my credit report from the above company. According to the FCRA this item should have been removed permanently. 15 U.S.C Code 1681 i ( 7 ) states there should have been an explained reinvestigation involving the hard inquiry and I have not received anything.
Product: Mortgage

1. PMI removal, concerning LTV, regulation, procedures, rules 2. PHH sold to XXXX XXXX and customer service is extremely poor