23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr Cooper aka Nationstar mortgage is claiming they didnt get a payment for XX/XX/2019 which Im trying to refinance with a different company and Mr Cooper added a lender servicing fee of a mortgage payment they claim wasnt paid which I have proof they did by my bank statement and trying to double bill me.
Product: Debt collection

Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years. 

This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX. 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 witout my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not interact with the consumer in any meaningful and constructive way that wastes time and increases frustration in applying and removing credit freezes, Their PIN numbers make no sense, and automated phone service and web page do not function properly. Now I have a credit freeze I can not lift.
Product: Credit card or prepaid card

I was recently defrauded by what I thought was a company that wanted me to work for them. I have my resume up at online job boards like Monster and I received a response from a company concerning a XXXX XXXX position. Although they seemed to be legitimate, they defrauded me for $ XXXX. 

Once it dawned on me that this was a ruse, I contacted the FBI and the Secret Service. I then asked Chase to place a hold on my credit card account. Since it 's been a few weeks and I have yet to hear anything back from the FBI or the Secret Service, I called Chase to find out whether or not I had any fraud protection on my card. Suffice it to say that the woman that I ultimately was transferred to, did not make me feel as if I had been victimized ; she made me feel as if I was an accomplice and was arguing around semantics. She said that I was scammed and not defrauded and therefore not eligible for fraud protection. The words are synonymous though and I explained that in my Email to the CEOs of the bank. I 'm just asking that they help me with this situation and that 's what I called to do until I was challenged by this woman. Surely they can see that I was acting in good faith when I thought I was acting as an agent of this company. I left out a lot of detail for the sake of brevity but I will gladly provide you the Email that I sent to the CEOs if you need it. 

Not only did she make me feel as if I was somehow in collusion with the criminals, she hinted that they have placed some type of freeze on my credit which makes me feel re-victimized because I need my credit to qualify for school loans. Is there anything that you can help me with? Is there any way that I can help myself? 

Thanks for your time.
Product: Credit card or prepaid card

In 2016, Bank of America closed my cash rewards credit card without notice due to inactivity. I had {$85.00} worth of rewards that were not redeemed at the time of closing that were never refunded to me. The account closing has impacted my credit score, and I did not intend to close the card, nor was I  delinquent at any time paying the credit card.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

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 have violated my rights .

1

5 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 seven 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 tha
t the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed this file which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be fraudulent due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX recipient, sent LVNV Funding, sender, a letter asking for them to submit to me information stated earlier in this complaint. They continued to harass me about this account that I did not owe. If this false reporting does not cease I will have to take legal actions. 

XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and 3. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California law, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. My XXXX/XXXX credit card that was opened on XX/XX/XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX/XXXX, XX/XX/XXXX
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. 

XXXX XXXX, XXXX  XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent EXPERIAN multiple letters asking for them to provide original documentation for the account listed below. I am a victims of identity theft and I have filed a compliant with https : //www.identitytheft.gov. I have yet to receive anything back from them that would confirm identification. 

XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX  - {$1300.00} - XX/XX/XXXX XXXX XXXX - {$6800.00} - XX/XX/XXXX XXXX - {$250.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX  - {$690.00} - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was 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 those account 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. 


( CREDITOR NAME ) 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2021 I received a late payment notice on my credit report. I was affected by Covid-19 and was unable to work, the payment was made and the creditor was aware of how Covid-19 affected me. My state had strict Covid restrictions and because of this I was laid off as non-essential and had to find safe work as I'm XXXX XXXX. Goldman Sachs is the creditor and even after multiple disputes they are unwilling to cooperate with me to remove the late payment despite an agent telling me he submitted a claim to have it removed on my behalf after my disputes were rejected.
Product: Credit card or prepaid card

TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX Target is reporting that I was late in XXXX. I have contacted them and they are not willing to help. I was not late. First, I tried to login to my account online and for some reason they locked me out. I tried calling and they refused to help me login. I went to the local Target and tried to make the payment, they told they could n't find the account. They were very busy that day so they asked me to leave the check with my account number and they would call the credit number and fix it. Apparently the payment was not applied. I tried calling them and stopping by and NO ONE wants to help me!
Product: Credit card or prepaid card

The credit card I am having trouble with is the Citi VISA card associated with COSTCO. For the past two months they have delayed processing my payment until the last day or as in this cycle did not process the payment at all. I pay my bills in full and mailed this cycles payment on XXXX XX/XX/2021. According to them it has not arrived. This is the only bill that has been a problem. Every time I talked to someone they blame the mail, saying some payments do not get processed for 20 or more days which always takes it to the past due point. Their only option is for me to sign up for direct payment, or give them my bank routing number over the phone. My concern is that they delay processing in order to get you to sign up for direct payment.
Product: Debt collection

I spoke to XXXX  from the customer service from credit acceptance Corp on XX/XX/2018 and I told him that this account was obtained by someone who stolen my identity, Fraud, And This Representative keep calling and calling me every day harassing me asking to make a XXXX dollars payment and they will stop calling me and asking for my bank information,
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. This unauthorized account and several inquiries were added without my knowledge or consent and require immediate attention. 

INQUIRIES 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 I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reportedly disputed with Experian of concerns there are more than 1 addresses reported on my credit report which doesnt matched with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX of XXXX XXXX of how they violated my consumer rights by unauthorized use of my credit card via USPS tracking number XXXX. I gave no person permissible purpose to use my credit card to obtain a copy of my consumer report. The company is willfully and knowingly reporting false and misleading information to my consumer report.
Product: Checking or savings account

It appears bank is taking money out of my checking out. For the last 3 months, Suntrust bank has not sent the my mortgage payment amount to the address instructed on Bill Pay. We have managed to pay it eventually, but I have incurred {$500.00} in late charges. included is one time they did not even send a check, instead accused me of cancelling my own mortgage payment. For the month of XXXX, the funds have been withdrawn out of my account, but the Mortgage Company did not receive the check!! Trying to work with the local office, Suntrust At the XXXX, is impossible with various emails and phone conversations producing not results. All they do is refer to an 800 number which I have called before, and they assured me they would put their " best people '' on it, and take care of the issues. this has not happened, now money is missing out of my account. 
Bottom line is funds are gone from my account, and would like to report potential Fraud. Suntrust/Truist Bank service model is the worst you can imagine!
Product: Checking or savings account

I had a Rewards Checking account with Upgrade. I requested it to be closed on or before XXXX. The rep told me at that time in XXXX it would close after 30 days of a XXXX balance. I was not comfortable with that but accepted it as their policy at that time. I double checked today in online banking and the checking account still is showing active. I called XXXX customer service today - XXXX. The rep said my checking account was closed on officially XXXX but will remain active online for 2 years!! The rep said I was sent an email on XXXX to inform me of my account being closed and I am unable to find an email from them. I am not comfortable with this account still open and active. What if scammers or fraudsters get a hold of it and go crazy when I think it's been closed already?! I have now requested this account to be closed twice and it still is not completely closed.
Product: Credit reporting or other personal consumer reports

Hey, I'm just sending in my updated Power of Attorney. Attached I'll have a 2848 and a new Power of Attorney.
Product: Checking or savings account

I was out of state, I tried on XXXX different occasions to transfer money from my other checking account to the account that has Been closed. I was not seeing the deposit. I then seen that my balance was negative. I called the bank and explained what was going on. I was told that because the funds weren't available when they posted my account was in negative but it would fall off. My mother XXXX XXXX XXXX that was owed to me and due to me being negative the funds were taken. I checked my account a day later and showed a balance of XXXX. I tried to use my card for a small amount and card was declined. I then tried again and same thing card declined. I called bank and spoke to different people who would nit give information just stated over and over that account will be closed and they will issue a PAPER CHECK to my address on file in 60 days. I was unable to get clear answers or answers at all. I asked if it was due to activity of being out of state no answers. I have called again due to this creating a hardship and still no answers just that I will recieve a paper check in 60 days. I am in a financial hardship and have yet to receive a check I have been blocked from card use as well as banking online.
Product: Debt collection

In XXXX of XXXX I disputed a collection account with Experian. Experian did not send any correspondence assuring there would be an investigation. Experian ignored 2 Letter sent on my behalf. More than 60 days passed. In the second letter I asked them to delete the collection titled XXXX XXXX XXXX  The amount is {$4100.00} per FCRA law this is a violation. As of XX/XX/XXXX that item is still on my credit report. Im asking for help in resolving this matter.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. 
I want Equifax to follow through on this new policy with the following : XXXX XXXX XXXX placed on on my report on XX/XX/XXXX a debt of {$89.00}. XXXX dollars from XXXX XXXXXXXX XXXX XXXX. 

This is a debt I deny ever owing but irregardless, I want removed completely from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies XXXX, XXXX  and Transunion back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error.

XXXX deleted the file but it still remained on my XXXX   and TransUnion credit files.

Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is theXX/XX/XXXX District Federal Court,XX/XX/XXXX Division notXX/XX/XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify.

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had an account that was paid off and closed, but instead it is reflecting only closed with no payoff information or balance update. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate for discrepancies in pay off date and ending balance as well as improper reporting procedure. If proof can't be provided I demand this account be deleted off my credit report. Thanks