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

XXXX XXXX XXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Past {$360.00} XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} TransUnion XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am writing to dispute the derogatory credit mark made against me by Home Point Financial. Home Point received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from Home Point claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called Home Point customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per Home Point 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on Home Point 's part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. Home Point 's lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, Home Point processed it as principal-only, unauthorized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving an accurate or unfair viable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward Consumer-provided evidence to furnishers, excepting unreliable, responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove dispute items. Despite the evidence I provided, causing ongoing harm to my credit standings. I am requesting immediate, corrective action to remove or amend the disputed accounts, as experience and action violates federal law in my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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: Student loan

I currently have a student loan in collections that has a balance of $ XXXX.When i called the collection agency Williams and Fudge Inc.they gave me a settlement offer of $ XXXX.Is it legal to charge over three times the balance? I would like to pay off the full balance but i feel that {$5700.00} is a bit excessive .Do i have any options in this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS Trans XXXX and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I feel victim to XXXX multi-layered scam operations run by XXXX XXXX - XXXXXXXX XXXX  which involved me making a total deposit of {$17.00}, XXXX from my XXXX XXXX account to XXXX XXXX at the instructions of the scammers in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both XXXX and Equifax agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and Equifax agencies can report an account of this type again after its first initial seven years of reporting.
Product: Vehicle loan or lease

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate ( Account Name : CREDITACPT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

tis is a medical debt fro a er emergency room XXXX originally the original collection agency debt recovery solutions XXXX and now this XX/XX/XXXX they sold it to XXXX XXXX   XXXX  and repoirted this debt as new both collections agency are showing on my XXXX XXXX and XXXX  i disputed this 6 times with no resukts please help!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) had recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I made my mortgage payment over the phone on XXXX XXXX, 2017. i successfully gave them my account # and routing #. I received a confirmation code that the payment was successfully processed. I was traveling for work and pleasure the next couple of weeks. But i was domestic and my phone was working the entire time. I arrived back from my vacation to threatening letter from Chase Bank saying my payment was n't received. they never called me once to let me know. I have been making successful payments for 15 years to Chase ; i have never been late FYI. Right when i was made aware of the problem i made another payment to chase and i am currently up to date as i have been for 15 years. 

Chase reported me late to the credit agencies and it reduced my credit score to XXXX from XXXX i have been working for 15 years to get that credit score. 

I have tried calling them 4 times and got all the way to the executive team to try and resolve myself. ( they kept on saying they would call me back after investigated but every week i keep on calling them to no avail ). But they tell me that chase did nothing wrong and they cant change it to the credit agencies. But they waived all the fees and said sorry. On the recording they said i only gave them 5 account # 's. Every bank account in america has more then 5 numbers. i think maybe the phone cut out and the rep did n't hear me. the rep should have asked me to repeat the number and why did they give me confirmation code????? they also did n't call me to let me know that it did n't process. numerous chase errors. They tell me the only way to hear the internal call is to sue them and get it thru court. this is crazy. i tried to make my payment on time and i need your help. Chase is terrible and i am sure they receive numerous complaints. please help i have no other options. best XXXX
Product: Credit card or prepaid card

The American Express account was closed but there was a remaining balance of {$3.00}. In XXXX of 2019 I called to pay the account and the customer service representative removed the amount because she said it was trailing interest so the account balance was {$0.00}. Today, XX/XX/XXXX, I notice the amount is still being reported on my credit report and is showing 120 days late. Once again, I called them and they removed the interest but would not remove the derogatory report from my credit report.
Product: Credit reporting or other personal consumer reports

Experian and XXXX ARE NOT reporting my XXXXXXXX Credit Card # XXXX. This Credit Card has been active for XXXX plus years. I have contacted Experian and XXXX to dispute their non-reporting of this active account. They HAVE NOT resolved it on their end. XXXX indicates that they are reporting this information to all three credit bureaus ( attached ). XXXX is receiving it and reporting it ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 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 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXl XX/XX/2019 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX 's XXXX ( XXXX XXXX  XXXX XXXX Account # XXXX ( redacted ), has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 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 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 the information is inaccurate. 

XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Product: Debt collection

I have gone through my current credit report and found several accounts that appear to be fraudulent and were added without my consent.
Product: Debt collection

I checked my credit score and seen a XXXX debt in the amount of {$290.00} from XXXX, stating it was for an Emergency situation or something of that sort but it is not mine. I have not had an account with XXXX since XXXX.
Product: Debt collection

The debt collection agency that I'm dealing with is Midland Credit Management ( Midland Funding LLC ). The company has first attempted to contact me on XX/XX/2019 at XXXX and I accepted the call, but got no response from the other end. Since then, I have been receiving up to three calls a day or every other day over the period of four weeks. Sometimes they spam my phone with the same number, other times the company will use a different number. 

On XX/XX/2019 at XXXX, I mailed a debt validation letter to Midland Credit Management instructing them to inform me of the debt that I supposedly owe them and the same debt they are calling me about. I also clarified in the letter that I am not to receive any more phone calls from them and that communication would only be done through traditional mailing. The only response I have gotten is more phone calls from the company spamming my phone and total disregard of my debt validation letter. 

To this day, I still have not received any mail from them pertaining to what debt I owe them, my account information for their website to see the debt to make payments on ( account number, login information, etc. ) or where they have purchased the debt from.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$77.00} US DEPARTMENT OF EDU XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing 3 inquiries from XX/XX/21 XX/XX/21 XX/XX/21. From XXXX XXXX XXXX as unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Product: Checking or savings account

Chime Bank agents engaged in unauthorized activity with my debit card, made false reports on my accounts and caused my debit card to be shut down. They refused to fix the problem WHILE knowing i did not reside at the same apartment. I had just left and am currently homeless. They knew this and still refused to turn my card on at least not They then sent a replacement card to a place I do not reside and knew this. They were well aware of my homeless status and did nothing to resolve the issue. I now have now way to receive my direct deposit. 

Chimes agents have shown extreme incompetence when dealing with financial services. They do not investigate and there is recorded proof of each call of these agents not opening investigation documents u til i tell them to. They are unaware of the issue at hand until I force them to read the evidence I provided. 

At no point did Chime mention canceling my card and sending a replacement in any of there responses to me. In fact they never confirmed the dispute, they never finished the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ONE MAIN XX/XX/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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$2400.00} I have no knowledge of this account. Not mine.
Product: Credit reporting or other personal consumer reports

I have requested proof from Experian of the balances owed and for proof that Ive signed for these services. I have also requested for old items on my credit report to be removed only for them to reappear with no explanation and no information provided from Experian. I have sent letters to them from XXXX to XXXX with no response or due diligence to research the items.
Product: Debt collection

I received a letter from IC Systems which is listed as a Collection Agency. They stated in their letter to me that the original creditor and CURRENT creditor to whom this debt is owed is XXXX XXXX. That is misleading by making me believe that I can not dispute the debt under the FDCPA since it is the original creditor trying to collect the debt. Except for the fact that this letter and communication is from IC Systems and the company website plainly states that it is a collection agency. Even if said collection agency is a subsidiary of XXXX, their sole purpose is collecting debts and can not mislead the consumer to believe that they are something that they are truly not. This is a clear violation of the FDCPA in the wording of the collection notice.