23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yes year of XXXXXXXX  I rented from XXXX XXXX the house was extremely rodent/squirrel infested in the attic, the rental refused to repair the issue I withheld rent for two close to the ending of my lease the company refused to go to court and a XXXX XXXX asked that they render payment my mail unfortunately the funds was returned to me and XXXX XXXX stated she would take out a new eviction which she later cancelled.XXXX  XXXX asked through try t message when would I be moving off the property and I told them XXXX which was a month past my move out time which they agreed to. Upon me moving out XXXX was notified multiple times I requested a move out inspection and to return the keys no response two weeks after my move out I reached again and was responded to by XXXX who stated that someone would reach out to retrieve the keys however said nothing about the move inspection. Didnt hear anything from XXXX until the following year where they sent of letter all Al types of charges and Mossi g items that was never placed inside the home. They gave the debt over to Hunter & Warfield who has been giving different info and refusing to do a proper investigation up until this current date XX/XX/XXXX  I contacted Hunter & war filed and sent over all type of correspondence supporting my disputes against this debt I have recently spoke with a supervisor who stated they was going to reinvestigate the debt upon learning XXXX was charging me for months of living when I was not living in the home the supervisor oXXXX Hunter & warfield stated that while the debt is under investigation they would not attempt to collect off the debt I recently called this week and was told it was still under investigation that debt would not be sent too collections cause its under a dispute investigation. Today it hit my XXXX I contacted the company again and was told it was a error and that it was not suppose to be sent to collection but reported as disputed and that their investigation is still ongoing. I do not owe the debt they state these are false collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my information personal and it has been a struggle. I am ready to get this issue resolved once and for all.
Product: Credit reporting or other personal consumer reports

There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and XXXX claims it will be on for another year and a half?
Product: Credit reporting or other personal consumer reports

In XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX  monthly into an escrow account as they worked to resolve my debt with XXXXXXXX XXXX XXXX XXXXXXXX, and Chase. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But Chase would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the credit relief company and moved on. Since I paid off two credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, Chase reported an L for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, Chase WOULD NOT work with my credit relief company and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to XXXX, they contacted Chase, who added Ls to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like Chase. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like Chase and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational multimillion-dollar companies.
Product: Credit card

I purchased pants from XXXX  & quickly realized that the address was an address I have not lived in since 2022. I reached out to the customer support team at XXXX  and they told me to reach out the XXXX to have the address updated. XXXX said they can not update the address since I do not live at the address. I went back to the merchant and they told me to go back to XXXX. At this point the package had shipped & was delivered to the old address. I reached out to the old address & they said they sent it back to the merchant since I do not live at that address. I reach back out to the merchant a week later and there was no update & they refused to refund. This is when I escalated it to my credit card, Apple Card, & disputed it. The first time I disputed, according to the chat specialist, it was denied because the information I provided showing proof I have not lived at that address since XXXX  was never added. The second time it was denied, it was supposedly because the information was not added correctly. This third time it was supposedly denied was because it was again not added correctly. It has now been denied a fourth time & I am unable to connect with someone who had more information on why it keeps getting denied when I have clearly shown I have not lived at that address since XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate ReportingXX/XX/XXXXXXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of theXX/XX/XXXXXXXX account ( [ Account Number : XXXX ] ) on my Experian credit report. This account is being incorrectly reported as a charge-off while still showing a past-due balance. As you are aware, this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of consumer credit information. 
Inaccuracies in the Reporting : 1. Charge-Off with Past-Due Balance : The account has been reported as a charge-off ; however, it is still showing a past-due balance. According to the FCRA, once an account is charged off, it should not continue to reflect a past-due amount. This misrepresentation is misleading and in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of credit information must not report inaccurate information.

2. Balance Reporting After Charge-Off : The continued reporting of a balance after a charge-off is inaccurate and misleads lenders evaluating my creditworthiness. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate and complete records, which this reporting fails to do.

Requested Action : I formally request that Experian immediately reinvestigate this account per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable investigation when a dispute is filed. If XXXX XXXX can not verify the accuracy of this reporting, I demand the immediate deletion of this account from my credit report. 
I have attached a copy of my credit report highlighting the incorrect information, along with any supporting documentation. Please provide written confirmation of your findings and any changes made to my report within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in XXXX
Product: Checking or savings account

I have had this problem several times but most recently XXXX. Northern Trust out of XXXX, IL processes check payments for a number of banks. I work in a shared office space with a single address but multiple companies. When Northern Trust processes checks they include all checks paid the same day to the same address in the same envelope regardless of which company it goes to. In previous cases, I would have a client send payment but the check would end up in the envelope of another company that received a separate check payment from an unrelated payee that day. I would never get the check. In this case, I received a check from a client and behind that check in the same envelope was a check from a different party to a different company in my shared office space. I would expect that this is not allowable for a number of reasons but especially because banking information from the checks is getting into the hands of a different party than who they were intended for. Northern Trust told me that that is just the way they do it. They said I could contact the bank that initiated the payment to change a setting but that was not possible.
Product: Bank account or service

Bank of America has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Bank of America ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Bank of America informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Bank of America declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized inquiries on my credit report, some a day right after the other that I would like removed. 

According to the FCRA these unverified and unauthorized accounts must be removed. 

They are not tied to any open accounts nor were there written consent for such reporting. 


XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX
Product: Mortgage

Mr. Cooper has not supplied a copy of my mortgage - asked in several formats with zero response. 

Further, Cooper claims they are waiting for me to return a settlement I rejected in XX/XX/2023. 

This is a lie. They have been told in print over and over that their settlement is garbage. 

They can return this one.
Product: Mortgage

I have been representing a homeowner trying to do a short sale with CHASE bank and has an FHA loan associated with the short sale. Chase has this short sale set up to work out through a website called XXXX. I have been messaging the negotiator, the account manager, thier supervisors and everyone else that is associated with the file. After several weeks of being ignored, I have made several attempts to call into the Short Sale dept and ask for someone to respond to my requests as far as if our short sale package was sent to the investor for approval. Not XXXX person will or has responded to my requests. They are actually XXXX my file and not speaking to me or trying to help our seller in making sure that they are being represented properly in this short sale. I have tried just about everything to get them to respond to us in writing on what the status is on our file and can not get anyone to do that. This is ridiculous! Our file has been there since XXXX!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

This is a collection company many of several that are representing XXXX, XXXX XXXX that I have disputed on several instances. XXXX will remove for about 2 months and it will reappear with another collection agency listed but same debit. I have not received any supporting documentation from the provider with proof that this is my debt. I have however submitted documentation to XXXX via cerfitied mail with my ID, SS card and proof of residence. Each time a different collection agency appears on my credit report its under a another name and is extended for another seven years. I'm not sure what else I need to prove?  Listed below is the last company that was added. This account was not opened on this date it is actually the date that it was readded to my credit report. Any assistance you could give would be greatly appreciated.This was the first collection agency that was disputed. Account # − XXXX  XXXX XXXX XX/XX/XXXX.  Same debt collector with XXXX and now it is  I C System showing that it was opened XX/XX/XXXX $XXXXoriginal creditor: 11 XXXX XXXX and will remain on my report until XX/XX/XXXX. I was under the impression that the statue of limitations was 7-10 years. Each time that I have disputed the bill that start over with a new collection company and more years.
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXX CARD SERVICES XXXX, XXXX XXXX XXXX ( balance {$4400.00} ), XXXX BANK XXXX, XXXX XXXX - XXXX BANK XXXX, XXXX XXXX XXXX ( balance {$830.00} ), XXXX XXXX CARD SER XXXX, XXXX CARD SER XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( balance {$3000.00} ), XXXX XXXX XXXX XXXXXXXX ( balance {$9600.00} ), XXXX XXXX XXXX ( balance {$9700.00} ). 

Please see my Identity Theft report and documents in the attachments.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY, THIS IS NOT MY ACCOUNT I HACE SUBMITTED ALL THE DOCUMENTS TO REPORT THIS Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



ACCOUNT NUMBER XXXX AMOUNT {$8700.00}
Product: Checking or savings account

On XX/XX/XXXX, I visited the XXXX  XXXX XXXX XXXX on XXXX XXXX VA for my appointment to speak with a Merrill Lynch representative in an attempt to change the name on the check from my maiden name to my married name as the account was closed and liquidated. I previously attempted to cash the check but was not successful as it is written to my maiden name. I came to the appointment with my marriage certificate and drivers license and they were unable to help even though they issued the check.
Product: Credit card or prepaid card

I am highly upset that American Express would close my card and report it to my credit report that is for XXXX  XXXX. I have been using this card for months with no problems and have made my payments. They have me in collections for $ XXXX when that is not the case. I need this fixed ASAP and my card reinstated.
Product: Mortgage

For the past XXXX months I have been sick and unable to get anywhere with SPS on the following issues : Why did they withdraw my application for assistance? 
Why did they construct a repayment plan that I can not afford? 
Why don't SPS try to help me instead of offering a resolution? 
Why do they keep saying that I am ineligible for assistance? 
Why did SPS ignore our serious health issues, I wrote a hardship letter, and they simply ignored the facts regarding our health. 
Why does SPS ignore providing me with XXXX  assistance, I was diagnosed with XXXX, and this has impacted my life both mentally financially and emotionally. 
Why does SPS continue to place stress on me? 
Why does SPS want our home when we are sick, almost XXXX XXXX XXXX? 
Why does SPS want to foreclosure and take our home. 
These are serious concerns that your response never addressed or even came close in offering a resolution.
Product: Credit reporting or other personal consumer reports

Hey I Received an XXXX Form for the charged off account : Account XXXX XXXX XXXXXXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA ( THE LAW ) XXXX XXXX Transunion needs to remove these unauthorized inquires. Its been over 30 days Under federal law, XXXX has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.
Product: Credit card

Hello, my name is XXXX XXXX I have been reporting this account for also a year and half. I have never opened this account this and 5 other accounts was open in my name and my identity has been compromised. I been telling that I have not open this account. The transactions are not mines. I also reach out to this company they told me they remove the amount .it They still put on my credit after I said it was fraudt I dont even know what the card look like. I never received anything until my credit went from XXXX now its in the XXXX because they keep reporting fraudulent transactions that i didnt make I need this report off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.