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

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Product: Credit reporting or other personal consumer reports

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person XXXX XXXX XXXX who committed the fraud but XXXX XXXXXXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXX/XX/XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX : {$980.00}XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$25000.00}
Product: Mortgage

MR. COOPER SERVICING PAYMENTS DOES NOT COMMUNICATE WITH THE INSURANCE SIDE EVEN WITH REPEATED EMAILS AND UPLOADS OF ISURANCE POLICIES TO ON THEIR WEBSITE. FIRST, I DO NOT ESCROW. MY FORMER HAZARD CANCELED XX/XX/2022. I IMMEDIATELY GOT A NEW POLICY, EFFECTIVE XX/XX/2022. MY POLICY HAS BEEN REPEATEDLY SENT BY THE INSURANCE COMPANY AND MYSELF TO MR COOPER. HOWEVER, THEY TRIED TO FORCE PLACE INSURANCE ON ME AND SENT A SMALL PAYMENT TO THE INSURANCE COMPANY WHICH DID NOT EVEN COVER THE POLICY BUT WAS SENT BACK BY THE INSURANCE COPANY AS I DO NOT ESCROW. THIS WAS CALLED TO THEIR ATTENTION ON BOTH SIDES OF SERVICING WITH INSURANCE. I RECEIVE EMAILS FROM INSURANCE SAYING NO FURTHER ACTION IS REQUIRED. HOWEVER, SERVICING STILL HAS AN ESCROW PAYMENT AND NOW LATE PAYMENT AND ARE NOW DAMAGING MY CREDIT. I HAVE BEEN WITH MR COOPER FOR XXXX  YRS AND I HAVE NEVER BEEN LATE OR HAD ANY INSURANCE LAPSE. I HAVE RECEIVED EMAILS FROM THE INSURANCE SIDE THAT NO FURTHER ACTION IS NEEDED BUT SERVICING IS ADDING ADDITIONAL ESCROW PAYMENT AND NOW LATE FEES. I HAVE TRIED OVER AND OVER TO CORRECT THIS AND I CAN NOT GET ANYWHERE AND NOW MY CREDIT IS BEING DAMAGED. I WANT THIS CORRECTED ASAP
Product: Debt collection

Good day, I have tried to get a medical collection that is not mine removed from my XXXX credit report. It is from Healthcare Financial Services an entity that I do not have a contract with, nor have I ever had a contract with. This collection has not appeared on any other credit bureau, nor have I ever heard of this Doctors name or remember ever going to the ER around that time. Then I tried to call and advise I do not owe that collection with the company they state for me to pay it or file a complaint with the credit bureau. When I try to file a complaint with XXXX they stated Ive already disputed it and didnt provide the right information and now I cant re-dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report.

Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated.  Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and  XXXX  Both companies alleged to have sent the results summary was sent to of you for review On  XXXX   XXXX ,   XXXX  , However as of today  XXXX ,   XXXX   I have never received anything from  XXXX  or  XXXX . They have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Product: Credit card

I applied for a credit card with Cit Bank a couple of month ago. I just realized that they are not displaying the minimum payment warning table. This is the table to inform consumers of the monetary cost and time it will take to pay off a credit card balance if they only make the minimum monthly payment.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Mortgage

I have attempted on many occasions since XXXXXXXX XXXX XXXXXXXX to talk with Freedom Mortgage about changes to the current VA loan as allowed by the VA program and been transferred many times, multiple delays in phone transfers when I call, no information provided when requested other then the template the mail out about foreclosure, forbearance or their own loan modifications that they will allow but none of the VA options, and I have already went they forbearance once from XXXXXXXX XXXX XXXX XXXX XXXX only to allow one option after which was to get current on lapsed payments which I had to take out a XXXX hardship withdrawal in order to due, and now I am reluctantly in forbearance again from XXXXXXXX XXXX XXXXXXXX and I do not want to be forced to do another hardship withdrawal again.
Product: Checking or savings account

I decided to use XXXX XXXX due to a direct deposit promotion that they offered on their checking account. I moved my employer direct deposit to this account and was receiving XXXX-monthly direct deposits of XXXX  to the account. Once I had reached XXXX direct deposits of XXXX XXXX XXXX total ) they promised to deposit an additional XXXX promotion bonus in my account. When at XXXX ( right before the last XXXX was set to deposit ) they inexplicably closed my account. I believe this was a fraudulent and predatory move in order to avoid honoring their promotion. My employer still attempted to direct deposit the XXXX  which didn't work, and my money was lost in the shuffle for quite some time. The company needs to honor their XXXX  promotion bonus ( which can be deposited in the savings account I have with them that they did not inexplicably close ), and compensate me for many hours of trying to solve this / work with my employer and other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my Equifax credit report that I dont recognize with names and dates as follows : 1. XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX - XXXX XXXX - XX/XX/XXXX 7. XXXX - XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  - XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

I failed to pay an annual renewal fee on my credit card. The creditor then charged me a late fee of {$27.00} and reported me 30 days late to the credit bureaus, harming my credit score. I think they should have simply closed the account when I failed to pay the renewal fee. My failure to pay should be deemed a failure to renew.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain
Product: Debt collection

I am filing a complaint against TransUnion regarding two fraudulent charges on my credit report, resulting from the national data breach : XXXX. {$300.00} ( XX/XX/XXXX ) XXXX. {$480.00} ( XX/XX/XXXX, XXXX XXXX XXXX ) Both charges are due to identity theft. Despite my efforts, TransUnion has not removed them. Under 15 U.S.C. 605B, I request the CFPBs assistance in ensuring their removal.
Product: Debt collection

Showing up as a local number on caller ID from a town of less than 400 people. I assure you this company does not do business in this town. The person says they are from XXXX XXXX trying to collect on a debt. I told them to quit calling me as I do not believe they are from the company since they are using a local number. 
If it is the case, I find that to be very shady business practices to use a local number to trick individuals thinking they are someone else. I will not and am not going to give any information stating who I am to anyone that can not fully state who they are from a legit number.
Product: Debt collection

I recently noticed XXXX ( XXXX ) collections accounts listed on my consumer report. The corporation name on these accounts is National Recovery Agency. I submitted a dispute notice to all XXXX XXXX XXXX XXXX consumer reporting agencies requesting they be investigated and if verified to send me all documentation provided to them on behalf of National Recovery Agency to verify the debt. I never received anything! I also called National Recovery Agency to request that they remove this information as I did not authorize them to submit any information to the consumer reporting agencies on my behalf nor did they provide me any notice of the debt prior to submitting it to the reporting agencies or afterwards. I spoke with a XXXX XXXX at National Recovery Agency who was very rude, said I was ignorant of the law and I should hire a lawyer because I come off as XXXX. He was so confident in his understanding that he did not hesitate to provide me his last name and the mailing address of his place of work so that I could send legal documents to him there. The address he provided was XXXX XXXX XXXX XXXX, PA XXXX
Product: Student loan

My father co-signed for my private student loan fro m the College Fo  undation o  f NC. In 2011, h e filed for bankruptcy. At that  time, CFNC apparently sold off my loan to some guarantee agent, but I received no communication from them about this. They claim to have mailed me a single, paper letter in the mail, but they mailed it to my parent 's house, and I never received it because I was living at school. They had my email address and  phone number, and I had previously received communication from them via email, but I had never had any contact with them through the mail. I never got their letter and was left completely clueless as to the status of my loan. When I logged into my online account, it showed a {$0.00} balance as well as a credit for the principle balance, so I assumed that it was being handled through my parents ' bankruptcy. They al so reported my loan as closed to the credit bureaus, and nothing from the guarantee agent ever hit my credit report ( I also never received any communication from them ). Apparently, it spent the entire 5 years my parents were in bankruptcy garnering interest, which they have now added to the princip al balance of the loan. I had no way of making any payments on the loan, having never received any contact information for the guarntee agent, and there was no contact information on their website or any other indication that the loan was still active. Had I been provided with a means of paying down the loan, I would have done so and would not have allowed it to sit for 5 years gathering interest. I have tried contacting them numerous times about this over the last few weeks, but they claim that since I missed their " letter '', they are absolved of any further responsibility to me. I am not even sure this letter even exists and, they were unable to provide any proof of mailing. I have also requested a statement detailing how they have calculated the interest due on the loan for the last 5 years, and they have not provided that either.
Product: Credit reporting or other personal consumer reports

I'm filing this claim regarding inaccurate items in my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with the reporting agency, it remains unresolved.
Product: Credit card or prepaid card

US Bank tried to contact me on XX/XX/28, regarding the application for a credit card. That person was trying to get me to confirm information and I knew it was a phishing scam!! Now Ive received two letters in the mail, informing me that the information in the application couldnt be verified and so the application was denied. I called US Bank but the department that handles this issue s closed for the day. One of the reps was kind enough to give me the FTC.gov website, for reporting this immediately. She also confirmed that the number that call me to confirm is NOT a US Bank phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX
Product: Credit card or prepaid card

First, this is a prepaid debt card issued to me ( XXXX XXXX ) in the form of a rebate for an unrelated purchase. 
I have tried using the card multiple times for on-line purchases but find most vendors won't allow multiple payment methods ( ie : two different cards ). So I have been limited to a purchase less than the balance on the card. 

The debt card has a balance of {$15.00}. The card just expired XX/XX/19. 

I called the number ( XXXX ) on the back of the debt card and asked to reinstate the card that I may access my funds and was told the card can not be reinstated. 

Cardholder agreement ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) states " After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance ''. However Visa claims this can not be done with my debt card. I requested they send me a copy of the Cardholder agreement supporting their claim but they were unable to comply. I had spoken to a supervisor at the call center. 

To summarize, I have a recently expired debt card with {$15.00} on it. Visa is stating I must forfeit my balance to them. 

This is not a lot of money, but this sounds really wrong.
Product: Checking or savings account

I had fraudulent activity on my Wells Fargo checking account. Someone was able to gain access to my online account, change my login and password. After gaining access, I received a call from a person ( Male ) claiming to be from XXXX on XXXX stating they were verifying a charge in Ohio for {$1000.00} that looked like fraudulent activity. I told them I was not in Ohio and did not make a purchase. They stated they ( WellsFargo ) would remove the charge and needed to verify that I was XXXX XXXX by sending me an immediate text message with a confirmation to repeat back to them on the phone. I immediately received a Text message ( stated in text that it was WellsFargo ) and repeated the confirmation code to the WellsFargo representative. They said all would be fine now and that the charge for {$1000.00} will be removed. Ended call. I immediately signed into my account ... which was an issue as my password & login seemed to be wrong. I did the necessary steps to reset login and immediately noticed a {$2400.00} Transfer out of my savings labeled " Transfer to Prevent Help ''. I called WellsFargo ( XXXX # listed online ) and who informed me that I was scammed and a claim would be initiated and they would set up an investigation. I was upset as they continued the process of reading the legal statements and were not AT ALL reassuring that this was going to all work out once they investigated. It has been 7 days and I have done all necessary ( went to the branch, changed accounts to new accounts etc ). I am aware that I have rights to my $ $ and ca n't believe it takes this long to determine that it was fraudulent activity. I 've contacted my local WellsFargo Banker and he said I will get my money back but not until after the 10 BUSINESS days. Is this fair?