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

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

i don't have an account with XXXX XXXX. please delete from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024 I disputed ownership of an account in the amount of {$1800.00} from collection agency XXXX XXXX XXXX. The original creditor was listed as XXXX XXXX XXXX XXXX XXXX XXXX. 
This amount as well as original creditor is not listed on my credit report and I have no knowledge of XXXX XXXX DEBT XXXX XXXX XXXX or any business with said creditor. 
I asked for the original signed contract from the original creditor as well as the verification of dept from Experian and did not receive either information. 
I again disputed this dept in XXXX as included my credit report showing XXXX XXXX XXXX XXXX XXXX XXXX was never listed on my credit report except from the collection agency XXXX XXXX XXXX. 
As I do not show an account history from XXXX XXXX XXXX  XXXX XXXX XXXX, nor any proof of original creditor agreement I have asked that it be removed. 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have failed to furnish original signed contract or proof of ownership of dept to me multiple times.
Product: Bank account or service

I applied for a BBVA Compass account and they denied me saying " UNABLE TO VERIFY IDENTIFYING INFORMATION ''. Surprisingly, they were able to pull my XXXX report and state my credit score. They did not call me to verify at all what information they need. I called them to check the status before and they can not tell me anything but to reapply in 30 days. Sounds like a waste of a hard pull on my account. I am willing to provide any identifyinh information to them if they ask. Thanks!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with XXXX but not late with Transunion and XXXX XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on XXXX but none with Transunion which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT XXXX XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : 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: Mortgage

My wife and I listed our home for sale to avoid foreclosure. Our agent secured a buyer but our mortgage company took too long to approve the short sale and our agent lost the buyer. Our agent worked with our mortgage company to postpone the sale date and secured another buyer. Our mortgage company ordered a value check and our agent let them in our home. The value check proved the offer we had was good and we were on the way to our short sale. Weeks went by while waiting for the final approval. Our agent called and was told to get one or two updated or new items. Our agent emailed in the items and was told the value check was old and another value check had to be done. The appraiser called and by this time our agent simply asked if it could be a drive by value instead of an interior as the interior has not changed since the last FOUR interior inspections. The appraiser agree but said he needed to check with our lender. HE NEVER  DID. Our agent followed up with him several times giving him a chance to answer his phone or return her calls. Finally, our agent sent an email to our mortgage company around the XX/XX/XXXX about the appraiser not contacting her back.. With no contact ( our mortgage company does not email, call or anything they only require website contact ) our agent contacted SPS and they said they cancelled our short sale just a few days prior to her call. She asked why and they said the appraiser could not get in! Now we are going to have a foreclosure and a deficient amount and we are a young family looking for help! We live in a two bedroom condo with a boy and a girl and need your help to stop the sale and allow our short sale to go through promptly, so we can get back on our feet. The offer we have we were told was in the range to be accepted and the time frame has been way more than should be allowable. How hard is it to accept an offer which was with in range and valid? We just want to move on with our lives and this has been a nightmare. PLEASE HELP
Product: Debt collection

I monitor my credit on a regular basis and noticed that this item popped up in XXXX of this year. I filed a identify theft affidavit as well as a notarized letter and sent it to them. Prior, I have challenged this item to no avail. This is absurd, I have no knowledge of this company, never authorized a payday loan and have had no accounts with with ever. Not one person resolved this egregious error. It's ludicrous that you can put anything on a credit report without anything being validated and it's hard for the consumers to repair. As I'm approaching my closing date for my house this further jeopardizes yet something else I worked hard for, my credit and buying a home. I want it removed from all 3 credit bureau or I will have to pursue other legal recourse. My identify theft report is included as well as my notarized affidavit.
Product: Credit reporting or other personal consumer reports

I sent a letter to Letter to XXXX XXXX and Experian in XXXX and most recently on XX/XX/XXXX in regard to a public record on my consumer reports that Experian, XXXX and XXXX is reporting. Experian stated that they verified the account with XXXX XXXX, XXXX XXXX said they used a system called pacer to verify the account. I know my rights as a consumer, and I know that according to XXXX XXXX XXXX these companies have no permissible purpose to report this information on my consumer reports. I contacted PACER and US Bankruptcy courts and they both provided me with a letter stating they DO NOT provide any information to any of these companies. Just because an account is listed on a public website does not mean it is fair and accurate. There's no permissible purpose and the companies are violating my livelihood and my rights as a consumer. These companies are NOT doing an actual investigation. They are not even responding to my letters anymore. I demand these companies remove this information from my consumer reports for unfair practices. My rights have been violated.
Product: Credit reporting

On XXXX XXXX, 2015 I received the following email from XXXX XXXX " We are writing to you today because we have taken an action on your account and wanted you to be aware of this change as soon as possible. We lowered the credit limit on your account to {$2500.00}. The new cash advance limit is {$200.00}. This credit limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they are aware of this change. You will also receive this information by letter .... '' I also contacted XXXX XXXX and a Customer Service Representative stated someone at Experian had notified XXXX XXXX and reported the derogatory information about me to XXXX XXXX. However Experian has also shared the same derogatory information with XXXX XXXX company.
Product: Checking or savings account

I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.
Product: Debt collection

Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it
Product: Credit reporting or other personal consumer reports

There is an illegal late payment being reported to my XXXX XXXX XXXX  XXXX this is an installment loan account with a XXXX balance.. the FCRA section 611 is very clear about these matters.. transactions are not included in a consumers report according to the FCRA ( d ) CONSUMER REPORT.- ( 1 ) NI GENERAL. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor ( 2 ) EXCLUSIONS the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the creditor and consumer Please follow the guidelines of the FCRA and update this late payment to paid as agreed immediately as I did not give permissible purpose to report any of my transactions on my consumer report.
Product: Credit card or prepaid card

I had made few calls to Kohls card to understand and remove the interest in protection balance but not very success as representatives are not able to fully answer my inquiries while Kohls charges XXXX interest on a monthly basis. First there is interest on purchases and interest in protection balance. Recently I looked at the card agreement and there is nothing stating an interest in protection balance ( XXXX XXXX XXXX  ) I am more than happy to share my statements and Kohls credit card activity which I havent made recent purchase since last year but I still get charged both interest on purchase and interest protection balance. I will greatly appreciate support and help for someone to look at Kohls legit interest charges. 

Thank you very much
Product: Debt collection

In XXXX I got a Credit card with a {$500.00} limit from Capital One bank when I came home from prison in 4th Quarter of XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous XXXX 19 % interest on their janky credit card. I never paid them again and told them XXXX YA 'LL close this account with that XXXX! 
It's XXXX and Capital One Bank now has a third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my daughter was born. My child is now XXXX XXXX XXXX. 
Capital One Bank has sold my petty debt 12 times since I told them to XXXX off with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : 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 Originator XXXX XXXX The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy 8 years ago and this debt is over XXXX XXXX XXXX. Moreover, I did not enter into any written agreement with any of the 12 private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. Period. 

https : XXXX Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! Shalom Truly, XXXX XXXX XXXX # MrXXXXYourFeelings
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XXXX XXXX, 2014 XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XXXX and Transunion are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.
Product: Credit reporting or other personal consumer reports

I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where XXXX, XXXX and Experian are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I explained to Experian through US mail and via phone call that an particular address on my credit file was undeliverable by USPS and that it was incorrect and gave them the correct address but but they refuse to remove the incorrect address from my credit report I inform them that I only wanted the one address which is my current address and all the others removed from the credit report so I only wanted one address and they have refused to remove the address even though it's incorrect because it's undeliverable by the USPS Post office. I was told by a Experian rep. that I had to contact the creditor that reported the address and have them remove it if I wanted it removed like I said I've tried to do it have it removed by mailing them a letter to ask them to remove it twice and also calling Experian on the phone two to three times and they won't remove it. The other credit bureaus, XXXX XXXX XXXX removed them no problem You're help ( CFPB ) in this matter would be greatly appreciated. Thank you ahead of time. Sinserely, XXXX XXXX
Product: Mortgage

Received foreclosure letter for foreclosure sale XX/XX/year>. I have not received acceleration of the debt letter or letter to validate the debt form mortgage servicer XXXX XXXX or the foreclosure attorney. XXXX XXXX is my mortgage servicer. Requested mortgage assistance by email to XXXX XXXX I sent my financial information ant the application for assistance. Did not receive denial for mortgage assistance. 
XXXX Foreclosure letter form attorney the week of XXXX XXXX, XXXX this was not 30 days as the state requires for a foreclosure notice.
Product: Mortgage

My mortgage was transferred to a new 3rd party company through Paramount Mortgage. It was not made clear what needed to be done on my end with the loan transfer. Received a call from Paramount stating that we were behind on payments and realized that the automatic payment from the first loan was no longer going through. After calling it was learned that since it was a whole new loan number we needed to re-do all paperwork for payments once again. 
After attempting to set up automatic payments on their website, there was a glitch in the system that would not allow the set up with the new account. Daughter attempted to call and was also advised that her status of being an approved contact on the loan was also not transferred which has started a 6 week process of multiple people handling the loan and not one same answer. 
Daughter was advised she needed to email in the power of attorney. She specifically asked if she needed to provide this for both people ( me and my wife ) on the loan or just one. Only for one. This information was then sent in. 
Daughter attempted to call again to make a payment. She was advised that there was missing information and she was not an authorized person on the account. Person would not provide any other information and said to wait 7-14 business days to get a letter of what we were missing. 
Another call into the company.They needed an hand written note and signature from me that I accepted the power of attorney ( even though that is what the power of attorney is ). Daughter drove two hours to get this signature. This information was sent in. 
Daughter called and was advised that she was now an authorized user and discussed details with her on the account so we can attempt to set up bill pay to get us current on the loan. The bill pay did not go through. 
Daughter attempted to call again to make a payment. She was advised that there was in fact missing information and is now no longer an authorized user. Now advised that the power of attorney was for the wife, but had my signature ( wife XXXX can not sign ). Requested power of attorney for me. This information was sent and we are now waiting. Payment was also sent by certified mail since other options have not worked. 
Each time Paramount is contacted, we have received different information. We can never reach the same person. And there is absolutely no consistency with the training of the employees. I even had someone give me a fake name " XXXX '' to use them as a contact and they would personally follow up with me and the case and it never happened.