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

This account was paid in full to First Progress on XX/XX/20 in the amount of XXXX. It was paid directly to First Progress Card and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with XXXX and they refuse to correct the information. First Progress has also refused to verify the correct information with XXXX as well.
Product: Credit reporting or other personal consumer reports

I see fraudulent accounts or charges appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Credit Acceptance, has violated my rights under XXXX USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have tried to handle this matter with my Credit Acceptance account # XXXX  for over XXXX  months. Credit Acceptance refuses to follow any rules and regulations. 15 USC 1681C ( a ) ( 5 ) states " A financial institution may not disclose non public personal information to a nonaffiliated third party ... ''
Product: Mortgage

On XX/XX/2021 I closed and funded after selling my home. 
After 6 weeks I still did not have my escrow money back. 
I E-mailed United wholesale mortgage severs times about this with no response. 
I called twice they said that they had 20 days to mail it I agreed and said your received the pay off on XX/XX/XXXX and its XX/XX/XXXX?? 
They said they would get to it however I still have not seen this check! 
I believe the law is they have 20 days to refund my escrow why do they get to keep over XXXX dollars of my $ $
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act government, account # XXXX JPMCB CARD, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Product: Credit reporting or other personal consumer reports

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 : XXXX XXXX XXXX Account number : XXXX XXXX
Product: Credit card

Company Name = Synchrony XXXX XXXX XXXX XXXX {$140.00} Reason = account has been closed as paid in full ; therefore, how was this charge paid and why and for what? 
Date of XXXX dispute - XXXX XXXX- emailed on their site. 
Date of XXXX dispute - XXXX XXXX - company was mailed a letter with details as well as copies of XXXX dispute email and other correspondence from them. 
Received letter dated XXXX XXXX from company asking for same as what was mailed in XXXX XXXX XXXX received letter from firstsource collections requesting payment
Product: Credit reporting, credit repair services, or other personal consumer reports

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance : {$380.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$270.00}
Product: Credit card or prepaid card

My name is XXXX XXXX I have been using Direct Express because SSDI demanded. Besideds the our ragious fees i was being charged. I kept card for over 3 yrs. I would just remove all my funds on the XXXX every month to avoid those fees. On XX/XX/XXXX XXXX XXXX before i was goint to head to atm to remove my funds, I discovered my card was not working and reported stolen. This was not done by myself so I immediatly told the company to cancel card. Insteed of completeing my request i wasplacved on hold from XXXX XXXX XXXX - XXXX XXXX XXXX XXXX before speaking to the fraud department, Instead of being helped i was treated as the fraudulant user. I had already had a police officer at my home since while using another phone to call cound that a replacement card was swhipped to an adress i have nevber used 70 miles away on XX/XX/2019 and was recieved and actived XX/XX/XXXX. I requested the adress and store it was used and as well as the officer requested and was denied by your supervisor, The time was now XXXX XXXX i was on land line at XXXX XXXX XXXX XXXX XXXX XXXX with a police officer present and was called a liar becauce every senmt i had tyo my name was removed from account at XX/XX/XXXX.This letter will be my last7 nice attempt after that if this arrangmenmt is not fixed. I i will use every cent of the $ XXXX inheriantance i, rtecieving next year, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX over ur lack of customer service and inhumanity. XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, 39 State XXXX  's announced a settlement with Navient. Navient is required to pay out billions to borrowers. One of these XXXX 's is NC XXXX XXXX XXXX. 

I have been trying for the past year to make Navient understand that I am retired and on a limited income and no longer can afford anything for pay back. Since it has been 20 years and XXXX months since the inception of this loan, I have been requesting Loan forgiveness. Navient gives me alternatives which require payments for another XXXX years. They continued to telephone me even though I asked them to use the XXXX for communication. The FSA site says I don't have any payments to make until XXXX, 2022, but I continue to getr threatening bills from them as recent as XX/XX/2022. 
On the same day, XX/XX/2022, I received a cutesy letter from XXXX with a new account number, trying to get me to pay them.
Product: Debt collection

I called them because the interest fee was higher than the minimum and I couldn't afford to pay it so I was asking what could I do to pay a lower payment because I am on a fixed income. 

XX/XX/year> XXXX The credit limit was only {$1500.00}
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX I was notified by XXXX XXXX that my credit score had dropped dramatically. I immediately checked my credit report and noted an unknown address XXXX XXXX and an unknown account held by XXXXXXXXFortiva. I immediately notified all the credit agencies this was not my account, nor have I ever lived at the XXXX address, much less anywhere in the entire state XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, I called Fortiva to inquire about this matter. I was informed there was a credit account opened with a home security service provider XXXX XXXX, using a XXXXXXXX address. I informed the CSR that not only was this not my account, I had never in my life even been to XXXX, and nor had I ever lived in XXXX. The CSR informed me they would request a few items from me in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX I provided Fortiva, per their request, with a hand-signed copy stating the facts surrounding the event, a copy of my driver 's license, and a copy of the FTC fraud report. 

At some point in early XXXX of 2023, all the major credit reporting bureaus agreed with me that the XXXX address used to open the account was not mine and they removed the address from my record. However, the reporting bureaus were unable to delete the account from the report because the lender, Fortiva, deemed it a legitimate account. It is incomprehensible that the address used to fraudulently open this account could be deemed inaccurate and fraudulent, yet the underlying account was deemed legitimate. 

XXXX XXXX XXXX XXXX XXXX XXXX, I called Fortiva again and asked them why they held the position the account was legitimate. They told me they could not answer any questions about the investigation over the phone, but that they mailed a letter to me about the outcome of their investigation. 

A few days later I did indeed receive a letter from Fortiva. The letter stated they closed the investigation because they did not receive any of the documents they requested from me for the investigation. Consequently, the account was still deemed legitimate. 

I immediately called Fortiva and offered to again email them the documents they requested. The CSR told me they did indeed have the documents, but they somehow were not processed correctly and they would again look into the matter. 

XXXX XXXX XXXX XXXX, I reviewed my credit report and noted the fraudulent account was still on my report. 

XXXX XXXX XXXX XXXX, I again emailed them all the documents they asked for. 

As of today, Fortiva still has not updated me on the matter, nor have they closed the account so I can have it deleted from my credit report. To reiterate, this account was opened for a home security service in a state that I not only don't live in, but have never been to in my entire life. Furthermore, the address used to open the account has already been investigated and found to never have belonged to me. At this point, I believe Fortiva is acting in bad faith and possibly illegally by refusing to close and delete this account.
Product: Debt collection

A collections agent ( XXXX XXXX ) repeatedly called me, my husband, and my work phone. He tried getting me to divulge information about my husband to him, this is not my husbands debt. He also sent me and my husband numerous collection notices in the mail. This is not my husbands debt, it is my debt. The agent called my work phone last week and he cornered me into answering my debt questions, at work. I told him the debt is paid and to stop calling me and my husband. I paid the debt off with the original medical bill on XX/XX/2019. The debt collecting agent ( XXXX XXXX ) is now sending collections notices to my husband for the collection amount. The debt is paid, and my husband is getting a collections notice dated XX/XX/2019.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance owned : {$0.00} XXXX  XXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXXXXXX Balance owned : {$0.00} XXXX XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXXXXXX Balance Owned : {$0.00} XXXX XXXXXXXXBalance Owned : {$0.00} XXXX XXXX XXXX Balance Owned : {$1300.00} ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

AFTER COMPLETED MODIFY TRAIL LOAN,  AYMENTS IN FULL WITH OUT NO MISS. 
PAYMENTS. {$2500.00} THEN 2 MONTHS LATER XXXX XXXX XXXX SAID MODIFY LOAN IS DENIED.. AFTER TAKEN MY PAYMENTS.AUCTION MY HOME ON XX/XX/XXXX TO ASAANJI -MUHAMMAD XXXX, XXXX GA.WHOM WAS ALSO XXXX PROPERTY..SEE XXXX COUNTY COURT RECORDS TO PUBLIC . OCWEN ATTONEY SAID THEY HAD SOLD THE HOME. FORCE TO MOVE OUT.. 

NEW OWNER A SAID THEYPAID $ XXXX NEW OWNER-XXXX   REALTOR .CAME BY THE HOME AT XXXX XXXX XXXX XXXX XXXX. PER NEW OWNER IN XX/XX/XXXX BY HOME. OWNER GAVE ME 40 DAYS TO MOVE. I NEEDED MORE TIME BECAUSE OF DISABLITY PERSON IN HOME. 
AND IM OVER XXXX OLD..SUCH SCAM IN XXXX XXXX GA I HAD TO GET ATTORNEY TO STOP DISP0SSESSOR OR EDVICTIONS. XX/XX/XXXX XXXX XXXX AFTER XXXX NON-CONTACT..TO ME. XXXX SOLD XXXX XXXX XXXX TO XXXX WHICH CLOSED ON HOME XX/XX/XXXX SO I HIRE ATTORNEY WHOM INFORM THEM OF WRONGFUL FORCLOSE AND TO FIX THE PROBLEM XXXX HAD.AGREED AFTER PAYING $ $ $ .PAID OCWEN $ $ .. TOO... 

LATER XX/XX/XXXX I FILE COMPLAINT WITH MY XXXX DISTRICT CONGRESSMAN XXXX XXXX XXXX. WHOM A XXXX XXXX, HAS CONTACTED OWCEN REQUESTING PAYMENT HISTORY..MISAPPLIED NON-RESPONSES BY OCWEN. 
LAST WEEK XXXX XXXX EMAIL SAID HE WOULD ALSO WORK ON THIS.HE WOULD HELP..FILL FREE TO CONTACT HIM FIRST HOME BUYING. XXXX XXXX XXXX. XXXX.THOUGH XXXX.THEN XXXX XXXX, XXXX. XXXX OCWEN. XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> & XXXX and & XXXX with a scam alert I reported it but refund was denied. 
XX/XX/year> {$150.00}, {$110.00}, {$550.00}, {$200.00}, {$1000.00}, {$150.00} was taken from my account and I reported it as fraudulent but cash app said that it wasnt.
Product: Mortgage

XX/XX/21 Called and spoke to XXXX in Collections to get out of forbearance and start paying back regular loan payments and add missed amount to the end of the loan which was told I could do so when I took forbearance process due to out of work due to XXXX She advised me to submit Loss Mitigation Application which I did through the website. Called back on XX/XX/21 and spoke to XXXX in Collections which transferred me to XXXX in Loss Mitigation Dept and she told me application would take 4 wks with underwriters and that mine was still in review. Called back again XX/XX/21 at XXXX and we would owe {$6600.00} and she had checked to Hardship department and they told her that I was approved for Deferment Referral and I would receive a letter about that. Called then back XX/XX/21 at XXXX and spoke with XXXX XXXX Collections that transferred me to XXXX XXXX Hardship Dept and she told me that she didn't see any application submitted on my account and that since I have a Farm Loan on the property that the Deferment Referral is not an option due to the type of loan I have ; was on hold 30 mins while she " checked '' to see if they had my application. She didn't show application so she transferred me to BRACE Dept and I spoke with XXXX since I need to get application into system. XXXX helped me complete the Loss Mitigation Application since it didnt go all the way through due to documents needing to be attached ( I thought it went through 2 wks ago ) but that doesnt help the fact that people were giving me completely bogus information that was not correct. XX/XX/21 at XXXX FINALLY was able to print/fax application & documentation since the website wouldnt allow the application to be submitted. XX/XX/21 at XXXX Spoke to XXXX in Collections then transferred to Supervisor/XXXX  with Hardship Taskforce Dept since there has been A LOT of miscommunication and false information given to me via phone calls within the last two weeks. SupervisorXXXX was great with reassuring my situation will be taken care of and he apologized for any false information given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX to verify the XXXX XXXX Nebraska account listed on my account. I was sent a ledger by XXXX XXXX Nebraska to show the certified amounts. These amounts did not match was Experian was showing. I sent another request on XX/XX/XXXX to again verify the account as accurate. Experian responded on XX/XX/XXXX that the account was updated and verified as accurate. Knowing the account was not verified, I sent a third request to have the account verified on XX/XX/XXXX. I also asked for a description of the procedure used by Experian to verify all of the information. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inaccuracies between Experian and XXXX. I did not get a response. Frustrated, I did not follow up. I checked my account again XX/XX/XXXX and noticed that Experian was still reporting inaccurate amounts. I sent another dispute on XX/XX/XXXX to both Experian and XXXX XXXX Nebraska. I got a call from XXXX at XXXX XXXX Nebraska who was very helpful. He stated he does not know why the amounts that are showing on Experian are different than what XXXX XXXX is reporting. XXXX stated that XXXX XXXX reports to the credit bureaus on the last Saturday of the month. He sent me a certified ledger of the amounts. I double checked those amounts against Experian and they still do not match. XXXX stated there is nothing XXXX XXXX can do about the inaccurate amounts reflecting on Experian reporting. I also checked the monthly amount and Experian does not have any data on that. Experian finished their dispute today XX/XX/XXXX and stated the account was verified as accurate and updated. Experian is STILL reporting incorrect amounts even after they were notified of the correct amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 or other personal consumer reports

This Company MIDLAND CREDIT MANAGEMENT Is Not Licensed & Bonded In The State Of Arizona To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you MIDLAND CREDIT MANAGEMENT that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as Hunter Warfield. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, XXXX and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604 a section 2. It also stated a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency involve is equifax After having disputed it on 2 occasions, the Equifax credit agency has not solved my situation around the inaccuracy that my credit report shows, here I send irrefutable evidence that shows the errors and the times and tried to solve this situation