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

COMENITYCAPITALBANK/XXXX  This account is being reports twice ( 2 time ) on my all 3 credit bureaus with a balance of {$7600.00}.

Multiple calls to the creditor to request the remove the duplicate account have been ignored.

Disputes to the credit bureaus have also been ignored.

The correct balance is {$4600.00} and is being reported correctly in the second account.
Product: Credit reporting or other personal consumer reports

This account was paid and settled, however, this account is still showing on my credit report with inaccurate information. I have tried to dispute this several times through Experian several times and XXXX each time as refused to acknowledge nor delete this as a goodwill deletion.
Product: Credit reporting or other personal consumer reports

I paid this account and it was agreed that this account would be removed. It was not removed as agreed, so I filed a dispute with credit reporting bureaus. CR disputes have been returned as validated as still being owed and deliquent which is NOT accurate. I have proof that this account is PAID IN FULL and NOT delinquent, your reporting back as " verified as accurate '' is inaccurate. You even cause my FICO scores to go down and are now harming my ability to secure housing. Please remove this account off of my credit reports since you are now in violation of fair reporting guidelines.
Product: Debt collection

Dates : XX/XX/2023 XX/XX/2023 Credit Service International had attempted to take money from me twice. We had agreed on {$100.00} + {$3.00} fee every week for payment of my medical debt on Wednesdays. On Wednesday XX/XX/2023 they had taken the XXXX and then had attempted to charge me another {$100.00} but was declined due to insufficient funds. On Monday XX/XX/2023 they had also attempted to take {$100.00} showing that they're attempting to take extra money from me and more then what the terms I had signed and agreed to. They had also threatened that if I had missed a single payment that there would be grounds for garnishment. They were overall unpleasent and them attempting to take this extra money is stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus experian XXXX  XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of incorrect reporting, and identity theft that has already been reported. According to 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions, and I have not provided any written permission for these transactions to be added onto my consumer report. I am requesting that the information be blocked and deleted. My request to block is not being made in error as stated before. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my report within four days from the date of the receipt of this notice. I look forward to your response. 

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

XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired
Product: Student loan

Every payment I make continues to be reversed through EdFinancial. The wait time for calls takes too long, I have money in my account, the financial information is accurate, but my payments continue to be reversed and I want to pay my loans. Searches online reveal that other people encounter the same problem with EdFinancial reversing payments. This is now my third time attempting to make a payment.
Product: Mortgage

XXXX I really need your help I pray you can do something. Listen to this, home point finical changed my XXXX mortgage check to XXXX dollars less and then never told me ( federal offense ). 3 weeks later I received a letter and called right away but couldnt get through due to the virus. Next, I got a hold of someone that said he would fix it but didnt. I sent a check that got there on the XXXX I believe of XXXX and my check was dated XX/XX/XXXX. They held my check 3 weeks and cashed outside the XXXX window of XX/XX/XXXX. They cashed the XX/XX/XXXX check on XX/XX/XXXX. I called and screamed it killed my credit score down from XXXX XXXX XXXX XXXX to almost 600 with the way they are reporting it. 
So now they are telling the credit reporters Im not caught up with payments but I am and they said the only way I can get them to remove it is if I send XXXX roughly ( 3 mortgage payments ). Listen, there is a national crisis, Im trying to get payment to them. Its not fair if the mail was slow. Everyone is short staffed. They cashed all my checks but wont apply then and notice there are no late fees. Meaning they got my payment on time. 
After looking up reviews of the company they are doing this same thing too people. 

Anything you can do Im going to lose my house
Product: Credit reporting or other personal consumer reports

Greetings, In XXXX of XXXX  I received an email from my credit reporting agency that my credit score had dropped tremendously. Upon further investigation I called XXXX XXXX XXXX XXXX and was informed that I was XXXX late on my car payment. XXXX advise me to contact the XXXX credit agencies so the issue could get resolve. I contacted the XXXX credit agencies to make a complaint, and they did an investigation. They reported they did not find any error on their end. 

I do not take responsibility of any late payment, since all my payments have been made on time. I am requesting immediate resolution into this matter to avoid any further grievances on my part. 

**See attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX XXXX, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.
Product: Vehicle loan or lease

XXXX had a car loan talked to the bank several times about my payment and they said they would work with me and the following day my car was reposed
Product: Credit reporting 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. 

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 XXXX 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 informationisinaccurate.
Product: Money transfer, virtual currency, or money service

It started on late XX/XX/XXXX and lead into XX/XX/XXXX, my debit card was used in a different state them me for under {$5.00}, followed by XX/XX/XXXX between XXXX via phone money was transferred from my savings into my checking. Then XXXX separate wire transfers took place XXXX for XXXX to XXXX XXXX  and XXXX one for XXXX to a XXXX account. This happened while i was at work. By XXXX I called Chase, my bank and notified them. They attempted to i guess re call the money but the accounts were emptied. They returned the {$5.00} charge and replaced my card, after i went into a branch and spoke with the manager. My accounts were frozen as well. They have not investigated the phone transfer, which I learned today XX/XX/year>. I also learned today that they denied my claim because " i benefited or authorized ''. Which is not true. I have filed a police report and am awaiting that to post to have. I also filed with FTC, and frozen my credit and put fraud alerts. I believe I did this on the XXXX or XXXX. 
One of the reasons that the employee at the branch repeated from the claims department was because I had a previously wire transfer in XXXX. Which is true I did for buying my house. The claims department reported to the employee that I would need some type of proof of a hack or something from my phone company. Which they said they can't prove or disprove besides showing i did not call the bank to transfer funds from my call logs. There was something with my IP as well, but XXXX said they can't look back at my IP addresses to get locations. My phone company said that Chase knows this isn't possible and sent me to get proof that doesn't exist. 

It total it was XXXX that was taken that Chase is refusing to return since there is not proof I guess that it was not me and since they couldn't get the funds from the banks the wire transfer it went to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX 1692f-Unfair practices Under XXXX XXXX XXXX XXXX civil liability
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the derogatory rating on my account. This negative mark has already had serious consequences, including the rejection of a recent loan application and elevated interest rates on my existing credit accounts. The financial and emotional toll this has taken on me is substantial and ongoing. 

The ramifications of this negative rating on my credit profile are severe and far-reaching. It is significantly impeding my financial opportunities and causing undue stress in my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation into two items on my credit report was requested on XX/XX/21. As I was told it takes up to 60 days to recieve a follow-up on the status of my investigation. I never received any notification. None by email nor mail. I sent a follow-up letter on XX/XX/21 and still have yet to receive a response. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Name entered wrong : XXXX XXXX- remove Never stayed at address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 A derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Product: Debt collection

On XX/XX/XXXX a person from this company called from an unidentified XXXX California number XXXX and left a message on my phone attempting to get information on who is handling the affairs of my ex-husband XXXX XXXX. 

They again called from the same number on XX/XX/XXXX and identified themselves as : XXXX XXXX  Simm Associates XXXX XXXX XXXX, Delaware XXXX XXXX She stated she was requesting the information for the person handling the estate of my ex-husband XXXX XXXX. His date of death was XX/XX/XXXX, he was a resident of California. I told her no one handled the " estate '' as there wasn't one. There was never a probate case opened as there were no assets. She said someone handled the estate as there was XXXX XXXXXXXX XXXX XXXX etc. I explained that is not the case. There was no probate, no estate/assets, only debts. There were not even funds to pay XXXX XXXX for holding his XXXX. Her assumption that because there's a XXXX, someone is in charge, is misguided at best and, at worst, is a poor excuse to continue to harass people for information. 

However, regardless of the unfortunate details and lack of assets, this company is attempting to collect information outside of the statute of limitations for attempting to collect on the debts of a deceased person. I explained this to " XXXX XXXX '' and she claimed she is NOT outside the statute of limitations. She said she was not doing anything except trying to find the person in charge of his estate ( not trying to ultimately collect a debt I guess? ). i said again there is not a person " in charge '' and she insisted that there is. 

I am fairly certain these people are fully aware of the law and choose to harass people for information under the guise of " just trying to get information on the person handling the estate '' and try to skirt the law by claiming this is not an attempt to collect a debt. I am hoping you can help stop them from contacting ANY family members in the future. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 '' with account number # XXXX, and " XXXX XXXX XXXX' with account number # XXXX, and " XXXX XXXX '' with account number # 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

I am so sick of dealing with Experian and its competent representatives regarding these fraudulent accounts. I am requesting for Experian to permanently remove and block these fraudulent accounts immediately upon receiving my police report and Identity Theft report. 

I did not open these fraudulent account and someone stole my identity and opened these fraudulent accounts. Please block and remove these fraudulent accounts immediately : 1. XXXX/XXXX  Account # : XXXX 2. XXXX/XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX/XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : XXXX
Product: Mortgage

I am behind in my mortgage, and trying to sell my property. I received a grant from the Maryland XXXX   when I purchased, that was supposed to be paid back upon sale. I received a payoff from Carrington Mortgage on XX/XX/2019. The payoff reflected an " other unpaid expenses '' amount of {$5400.00} with no breakdown. There is a breakdown of attorney 's fees attached to the payoff of {$4000.00} ( a difference of {$1400.00} dollars ). There was also an escrow overdraft of {$8900.00}, with no breakdown, or explanation. The title company has been contacting Carrington since XX/XX/2019, to ascertain if the grant is somehow being collected in these numbers, and essentially get a breakdown. They faxed and emailed requests stating the concerns, and only received a new payoff with higher, also unexplained numbers. I have a buyer that is ready to purchase my property, however my realtor can't calculate a sales price with XXXX XXXX dollars unexplained. I have asked them to postpone the foreclosure, and I was told that Carrington is not postponing any foreclosures right now.
Product: Debt collection

I had a debt on my credit report from XXXX for {$1200.00}, it said the original debt came from XXXX XXXX XXXX. I called the debt collector and told them that I had insurance at the time and they told me I would have to call XXXX  XXXX XXXX, which I did, XXXX  XXXX XXXX said that they were able to verify that I had XXXX insurance at the time of the visit and I provided my insurance information at the time of the visit. XXXX  XXXX XXXX stated that they would try to run it back through insurance, but since the charge was so old, they didnt believe that XXXX would pay. They said even if XXXX did not pay they would take responsibility for the charge because it was faulty on their end by not running it through insurance on time the way they were supposed to. XXXX XXXX XXXX promised me this charge would be off for good. They promised me that it would come off my credit report in 30 days over and over again. I did see the charge come off XXXX XXXX and XXXX  and XXXX. About a week later the charge was back on my account by a different debt collector named XXXX.I called XXXX to complain that this charge was not valid and that it was taken care of with XXXX XXXX XXXX. They were extremely rude to me and were saying things like what you dont think, youre not responsible for your medical bills, you think you dont have to pay what you owe. I try to explain to them that XXXX  XXXX XXXX told me that my debt was about to be sold around the same day that I called to clear it up and I think that something happened where some information got transferred before it was deleted out of the computer. I told them that it was taken off XXXX  and XXXX  but just stuck on XXXX XXXX. They told me I would have to call back to XXXX XXXX XXXX and get proof. I called back to XXXX XXXX XXXX to get proof but they have absolutely no record that that charge ever existed in history. They have absolutely no record of the account number at all anymore. I also called back to XXXX to see if they had some kind of proof that it XXXX XXXX XXXX had canceled the charge but nobody has any proof of anything. I have disputed this issue on XXXX XXXX, on XXXX XXXX and with the debt collector. I have disputed this charge at least 3, 4 or five times and only most recently received a letter in the mail stating that my dispute was denied one time. All of the other times I disputed the charge I never received any notification if or why it was denied or approved. The last time I disputed it, I told them that I had disputed it in the past several times and never received a letter or an email saying if it was approved or denied or why. The last time I disputed it they finally sent me a letter saying it was denied but none of the previous times before. I go around in circles every day calling around trying to figure out how to remove this charge because its only stuck on XXXX XXXX. My bank uses XXXX XXXX and so I am unable to get a loan or an unsecured credit card or buy a car or buy a house because this charge that I do not owe is stuck on XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at XXXX own glossary! 

They are breaking the law again!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXXXXXX 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> Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX