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

I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since obtaining fraud alerts on all three agencies and placing a freeze on Experian, I am unable to dispute inaccuracies on my report. I can not access my file online and have to hold for hours if I can get thru on the phone. I was able to finally request full verification of a bankruptcy listed on my report not to be done by automatic third party. I believe the information is incorrect and may have been a mixed file and in that case it needs to be removed. I have the same problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans.
Product: Credit card or prepaid card

Late payment is inaccurate, was never late Called Credit Card and she Stated they dont report late payments to credit bureaus,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by Shellpoint Mortgage or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. Shellpoint Mortgage is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with Shellpoint and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting Shellpoint has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors Shellpoint made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.
Product: Checking or savings account

So on Wednesday XX/XX/2022, I was at a allpoint ATM inside a XXXX because chime has it on their app as a " Fee free '' ATM. So I arrived around XXXX ish. I attempted to withdraw my money for rent and about XXXX transactions occured. XXXX were approved and XXXX were denied. The ones that were denied I have proof of no money being dispensed. My account was still deducted the amount my receipt said was " Denied '' by the ATM. So I contacted chime and on XXXX the XXXX my account had a " adjustment '' and they gave me a credit of XXXX back to my account. ( This is all happening with my pay check from work ) However, on Wednesday XXXX the XXXX 2022 they took that " credit '' back and so essentially again taking the money from my paycheck away. Desputes were filed and I was told they received an email claiming I the account holder requested to close the case. But everytime an attempt has been made to reopen every agent tells me they are making sure it's done. Then I'll call back and the next person will say " oh it doesn't look like anything has been applied to the account ''. With this back and forth eventually my pay check hit again and paid back the negative balance their actions caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$750.00} XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?

It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).

Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I made a payment of {$1500.00} on my BMO Harris Bank credit card, by check from my XXXX XXXX checking account. While the bank deducted the sum from my bank checking account, they did not deduct that amount from my credit card statement. 

I called them and then wrote them on XX/XX/2021. In XXXX, I received a letter asking me to call them, which I did. I was told that someone would get back to me. In XXXX I wrote to them again. To date, I have heard nothing else from them. 

The matter has yet to be resolved in my XX/XX/2021 statement.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX and during the period of my XXXX, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Product: Credit card or prepaid card

CLAIM NUMBER XXXX XXXX XXXX FICTIOIUS INTERNET FICTIOIUS PERSON NAME XXXX XXXX {$110.00} WAS WITHDRAWN FROM MY WELLS FARGO DEBIT CARD CLAIMANT DID NOT DO ANY TRANSACTION DIRECTLY WITH XXXX XXXX XXXX XXXX DOES NOT HAVE XXXX ACCOUNT AND IS NOT A REGISTERED USER CLAIMANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX XXXX XXXX Bank Wells Fargo CLAIM NUMBER XXXX
Product: Debt collection

I received on XX/XX/2023 a debt collection letter from American Coradius International for a XXXX XXXX account which I have never opened. 

The initial 'debt ' was for {$66.00}, with American Coradius adding additional 'fees ' of {$230.00} for a total for {$290.00}. 

My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over 2+ years. I have never opened a XXXX  account, and after speaking with XXXX they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification. 

XXXX informed me that the account was tied to a XXXX address which is not mine. 

XXXX is enabling Fraud, and does not care how it impacts consumers.
Product: Credit card

Regarding the Discover Card Cash Advance Balance left over from the XXXX XXXX Statement, Per the Credit Card Accountability, Responsibility and Disclosure Act from XX/XX/XXXX, Any excess amount which is considered the difference from the minimum payment must be applied to the balance with the highest interest rate. 

I have recently contacted Discover over the discrepancy of the Cash Advance Credit Line Balance. They claim that I have - {$240.00} which would put my Cash Advance Credit Line Balance at {$4300.00}. I made a payment on XXXX XXXX, XXXX in the amount of {$750.00}. The minimum payment due was {$170.00}. This {$170.00} should have been applied to the Purchases Balance. The Purchases APR is 23.24 % while the Cash Advance APR is 25.24 %. 

Since speaking with XXXX different representatives from Discover, XXXX of them have come to the same calculations I was getting, while the XXXX stated that on some occasions, the portion of the payment that is supposed to go to the higher APR Line does n't always happen. This raises some red flags due to the fact that this impacts the Interest Calculations. The idea is that in general Accounting, both business parties ( Company & Consumer ) should be able to get matching figures on both Interest and Balances. Discover does not release what portion of your total payments go to Purchases or Cash Advances on the Statements released at the end of each cycle. This leaves a hole in the mathematical adjustments because not knowing what portions go to what Lines, the balances are impacted which in turn impacts the total Interest at the end of the cycle, due to there being XXXX different rates for each Line. 

The balances would have been as follows following the XXXX XXXX Statement for each Line : Purchases Balance carried over to the XXXX of XXXX ( includes Interest ) : {$4900.00} XXXX XXXX XXXX carried over to XX/XX/XXXX ( includes Fees and Interest ) : {$3800.00} Transactions from XX/XX/XXXX on : XX/XX/XXXX {$4.00} XXXX XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX - {$750.00} Payment ( minimum was {$170.00} ) ( {$170.00} goes to Purchases, {$570.00} to Cash Advances ) XX/XX/XXXX - {$5.00} Cashback Bonus Redemption ( Payment ) XX/XX/XXXX {$13.00} Cash Advance Fee XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX {$500.00} Cash Advances/XXXX XX/XX/XXXX {$25.00} Cash Advance Fee XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$120.00} Cash Advances/XXXX XXXX XX/XX/XXXX {$10.00} Cash Advance Fee All Cash Advance Transactions end at XX/XX/XXXX The total of all of these Cash Advance Transactions from XX/XX/XXXX to XX/XX/XXXX equal : {$920.00} The Payment Balance for Cash Advances subtracted from the Cash Advance Total above equals : {$920.00} - {$580.00} = {$340.00} Prior Cash Advance Balance ( {$3800.00} ) + New Cash Advance Transactions ( {$340.00} ) equals : {$4100.00} The Cash Advance Credit Line phases out at {$4100.00} ( Maximum allowed ) My available Cash Advance Credit Line should be - {$65.00}, not - {$240.00}
Product: Credit reporting

I have advised Equifax that a XXXX XXXX account reporting on my credit report is not my account. I was listed an an authorized user without my consent. I submitted a dispute and Equifax refuses to remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is Experian, XXXX, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. Experian has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Product: Bank account or service

I accidently sent Chase Card Service 2-payments, so I could payoff in full balance on account and too close account and destroy credit card. I over paid, By {$680.00} ; and chase Card Services say they will not return the overpayment or pay interest while they hold my MONEY for one month. Even though the Account is closed and no further charges can be made??? Further, I am losing 3 % interest paid by my bank ; while Chase refused to return MY-MONEY!!!
Product: Mortgage

My wife and I had begun the approval process for a mortgage with Wells Fargo. During the process, Wells Fargo wanted to ensure we would be long-term customers of the bank, and requested for us to open accounts there comprising most/all of our liquid assets, which we did promptly. 

We unfortunately did not close on the home and decided to work with another lender. 

My assets have been frozen at Wells Fargo for over two weeks as the bank has asked for ID verification ( a notarized US Permanent Resident card for me, since I am XXXX ). I have sent multiple copies with no response and my assets are still frozen - I am unable to transfer money, unable to sell/buy stocks, etc. It is distressing as I await a home closing for which I need access to the funds. 

I should also note, this verification was not needed at the outset. Wells Fargo was happy to accept my $ XXXX in assets. I sent in reams of documents for my accounts, including the mortgage. 

This is improper - to have all of my assets frozen for weeks without service. It is at best, incompetent, at worst, retaliatory, but in reality, likely a proper reflection of a rudderless banking organization that has done everything in its power to tarnish its reputation over the past decade.
Product: Credit reporting or other personal consumer reports

I did some recent investigating on my credit report and noticed some err and inaccuracies and accounts that are mot mine and I want of deleted off my credit report.

in accordance with fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % correct.

the credit reporting agencies stated that these account were properly investigated and came back as verified. HOWEVER. How is this true when there are several inaccuracies showing on my report. 

I KNOW MY DAMN RIGHTS as a consumer, I request to know all steps to know all steps that your agencies took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit reporting

Account was opened by person whom did not have permission to use SSN to open the XXXX account. I did not know that the account was opened in my name using my personal information and SSN. This is identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation XXXX Dear Collection Agency Representative, I am writing in response to a notice I received from your company regarding an alleged debt. I respectfully request that you provide me with the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. Proof of the debt : A signed agreement or contract showing I agreed to this debt. 
2. Creditor Information : The name and contact details of the original creditor. 
3. Itemized Account Statement : A detailed breakdown of how the alleged debt was calculated. 
4. Proof of Collection Rights : Documentation showing that your agency has the legal authority to collect this debt. 
5. Statute of Limitations Information : Verification that the debt is within the legal timeframe for collection in my state. 
6. Any prior payments : A record of all payments made, if applicable. 
Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus regarding this account cease immediately. Failure to validate this debt may result in a dispute with the credit bureaus and legal action, if necessary. 
Please provide this information in writing within 30 days of receiving this letter. If you can not validate this debt, please remove any negative information related to it from my credit report and cease all further collection activities. 
This letter serves as a formal dispute of the alleged debt. I request that all future correspondence be in writing. 
Sincerely, XXXX XXXX
Product: Mortgage

I WAS PROVIDED WITH A MODIFICATION EARLIER THIS YEAR AFTER MAKING COMPLAINTS THAT OCWEN WAS UNABLE TO OFFER ME A LOWER PAYMENT. 

I WAS GRANTED A MODIFICATION AND I BELIEVE I HAD MADE 2 PAYMENTS UNDER THE MODIFICATION BUT THEN MISSED THE LAST PAYMENT DUE TO A LAY OFF IN XX/XX/2018. I WAS UNSURE WHETHER I WAS GOING TO RECEIVE ALL OF MY SEVERANCE FROM THECOMPANY IN TIME. I MISSED THE LAST PAYMENT AND HD TO APPLY ALL OVER AGAIN. 

OCWEN PROVIDED ANOTHER MODIFICATION A FEW DOLLARS HIGH AND THE FIRST PAYMENT WAS DUE IN THE MONTH OF XXXX BY THE XXXX. I ONLY MADE A PARRTIAL PAYMENT BECAUSE THERE IS {$570.00} SITTING IN UNAPPLIED THAT SHOULD BE USED ALONG WITH THE PARTIAL PAYMENT SUBMITTED. WHEN I CONTACTED OCWEN CUSTOMER SERVICE TOLD ME THAT THE MODIFICATION HAD BEEN CANCELLED. XXXX. 

LET OCWEN GO ON UNEMPLOYMENT AND THE INVESTOR OF MY LOAN GO ON UNEMPLOYMENT AND SEE HOW ITS LIKE. THEY WILL ALL MISS XXXX IN THEIR 18K GOLD TOLIET BOWELS. 

TODAY I RECEIVE A ETTER THAT MY NAPPLICATION IS DENIED FOR A MODIFICATION BECUASE I MISSED THE PAYMENT THIS IS XXXX AND DISCRIMINATION AAGAIST ALL HOMEOWNERS THAT ARE EXPERIENCING HARD TIMES. AS WELL AS I HVE BEEN FIGHTING FOR 8 YEARS AGAINST OCWEN AND THE INVESTOR TO WORK WITH ME BUT THEY REFUSE TO ABIDE OF THE LAWS TO HELP HOMEOWNERS. 

THIS MATTER IS NOW BEINGING HANDLED WITH CFPB. I AM NOT CONTACTIUNG OCWEN ON THE PHONE FOR ASSISTANCE. THIS IS ABSURED. AND NEED ASSISTANCE AND REFUSE TO GIVE UP MY HOME OVER MY DEAD BODY. IF THEY ASSISTED ME AGAINST ALL THE COMPLAINTS I SUBMITTED WITH CFPB THIS HOME WULD NOW HE HALF PAID OFF. 

MY APPLICATION ALSO STATES THAT MY REQUEST FOR MODIFICATION AGSIN HAS ALSO BEEN DENIED. I WAS ALREADY IN A MODIFICATION STARTING THE MONTHLY OF XXXX NOT XXXX OCWEN IS PLACING ME IN UNDUE STRESS AND THIUS XXXX IS UNACCEPTABLE AGAIN AND ALL COMPLAINTS GOING FORWARD WILL BE SUBMITTED WITH THE CFPB. 

OCWEN IS ONLY A DEBIT COLLECTOR AND THEY DUE A POOR JOB AT THEIR JOBS AND ASSISTING HOMESOWNERS,
Product: Credit reporting or other personal consumer reports

I have been contacting them etc I need this closed account removed from my credit report XXXX XXXX
Product: Debt collection

Dear cfbp, I noticed a derogatory mark on my credit from XXXX last year. I wasn't aware of an outstanding bill to 06 XXXX XXXX  and I was never contacted about it. 

Nonetheless, XXXX ( the debt collection ) agency told me I could settle the account for {$55.00} and get it resolved on my credit report. I gave my credit card info over the phone and made the payment of {$55.00} on XX/XX/2018. 

Since then, I have repeatedly checked my credit report. The account / marks are still open / unresolved. I have calledthe agency countless times and they are extremely hard to get in touch with since no one picks up their customer line. 

EVERY single time I'm assured that they will close the remarks on my account. The last time I contacted them over the phone, they asked me to write an email request as well. 

Yet it has been months and months of waiting and calling and yet they won't close the account. I feel abused and they waste a lot of my time and this has been unnecessarily been hurting my credit for years. 

I am completely fed up with their behavior.