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

Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX  and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, XXXX  XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until
Product: Payday loan, title loan, personal loan, or advance loan

I did not realize how high my interest rate was going to be it is 150.4 % and I can not financially afford to even pay my bills right now. Im paying {$190.00} per pay check and only {$21.00} of that is what Im paying towards the {$3000.00} I borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

unbeknownst to me i was paying  XXXX   XXXX  instead of capital one. The balance was  XXXX  dollars. Once i realized this mistake I immediately paid it in full. There was no intent or malice in our part not to make this payment on time, as we are in the process of securing a construction loan. It would be foolish and reckless to do so. The item in question was for  XXXX   2017 , billing cycle.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/XXXX i noticed a charge on my Bank of America card for {$300.00} that I did not make from XXXX XXXX. I immediately phoned the bank to stop payment and to cancel my credit card. The charge was removed and 2 weeks later re-added. I phoned the company again asking why it was added, they claimed that it was an " error ''. However, the charge was never removed. 
I took the next step to phone XXXX XXXX about the charge. They admitted that this was a fraudulent charge and that they would take care of it with Bank of America to credit my account. I immediately phoned Bank of America with the necessary information. 
I received a letter from Bank of America stating " Our decision hasn't changed. '' I called them again and reminded them that I provided them, Bank of America, all of the information for my fraud claim, they said that " we are getting closer to a resolution in your favor ''. 
2 weeks later, I have another letter saying that this is not in " my favor ''. I phoned XXXX XXXX as to why I did not receive a check for the amount that I did not charge. Still no resolution from either, and I am still out {$300.00}. 
I asked Bank of America for a copy of the call log, they have not provided this. I can not speak to anyone, I am on hold for hours. I need help. It's no longer the money, it's the principal and what these people are allowed to do to innocent customers. 
Not sure where to go from here, I appreciate any help you can provide.
Product: Mortgage

I have a mortgage  with BB & T ba nk. About a year ago I had a  XXXX   XXXX  and then was terminated from my employer due to my health. We ran into financial issues. We never missed a payment on our mortgage, although we were late at times. In  XXXX  of  XXXX , the bank locked our online account so we could not make the normal payment. We had to call in. In  XXXX , again they locked our account. We paid yet again over the phone. At this time we were caught up and current. We were also paying the late fees anytime we paid late. We received a past due statement saying we were behind almost {$3000.00}. In  XXXX , I made a phone call informing them my company had messed up my payroll and I did n't get paid when I was supposed to. I explained I could pay {$1000.00} today, an additional {$1500.00} on the  XXXX . I also informed them I would be able to pay {$2000.00}  XXXX   XXXX ,  XXXX  and {$2500.00} on  XXXX   XXXX .  XXXX   XXXX  another {$1000.00}. I had second guessed myself thinking I might be behind. These amounts would have had me totally caught with some extra to fall back on for late fees. They denied all of this. I called twice with this offer and both times I was denied. I received a letter on  XXXX   XXXX , post dated from  XXXX   XXXX , stating we were officially in foreclosure. They never informed us of this, even asked and was always told no. I reached out to my realtor and she began helping u s. BB & T bas ically refused to help us. She was trying to sell the house in a short sale or outright but the bank refused every offer and attempt at a resolution.  XXXX   XXXX  was the foreclosure sale date. I called the legal department the night before to try and stop this. I received a call the following day from a gentleman from the bank saying he had stopped the sale, he would be evaluating the process and it would just start over. Again, we tried working with them. To no avail. Again, they denied everything. They came up with off the wall amounts and reasons why they kept denying our hardship and loss mitigation. Their main reason, non owner occupied. That is false, me and my family still reside in this home. I filed a complaint with the Missouri State Attorney General 's office. I received a response the bank sent the attorney general in the form of an  XXXX  page packet. This packet included all 6 years of payment history and call notes. This packet proved consistent payments as well as the refusal of the {$5000.00}. They also included documents that were n't even ours. I received another foreclosure date of  XXXX   XXXX . I have no idea why this bank took my money but did not post those payments to my loan. I am now currently 5 months behind because they refused payments due to the foreclosure. I do n't want to lose my house. I need help getting this bank to stop trying to take my home. This never should have happened.
Product: Debt collection

PCA Acquisitions, V, LLC filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my 3 credit bureaus for this collection agency, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Timeline is as follows : On XX/XX/XXXX a letter was written to me from XXXXXXXX XXXX stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXXXXXX XXXX Amount is XXXX. Stated it sold on XX/XX/XXXX. 
Statute of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. 
This was sent to XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( XXXX ) was added to plan. 
Letter received from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX sold to PCA Acquisitions jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. 
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. 

XXXX letters/statements : Different Account # s and Different amounts XXXX XXXX Acct. XXXX {$690.00} PCA Acquisitions Acct. XXXX {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Acct. XXXX Balance {$780.00}
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Debt collection

absolute resolution is attemting to collect on and unverified account and falsifying data on the account by reaging account and payment history. also, deleting and reinserting account on my consumer report
Product: Checking or savings account

I open acount in case my acount was compromised I call the bank and say please stop all activity when I go branch and I verified everything then realized my acount after some day I go bank I requst chang my all info my bank acount no so I can secure my money they did but after 1 day I received mail we are going to close your acount without any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXXXXXX ), 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a XXXX ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days.  Please see items below Equifax XXXX COLLECTIONS XXXX {$210.00} not mine XXXX {$15.00} not mine XXXX {$110.00} not mine XXXX {$1400.00} not mine XXXX {$220.00} not mine XXXX {$110.00} not mine XXXX {$280.00} not mine
Product: Debt collection

Attempted to further collect on a debt already paid in full after sending proof that there was no debt owed to any party including a letter saying it was paid in full. Still attempted to collect debt and contact me at abusive times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing.
Product: Mortgage

I took out a line of credit loan back in XXXX the loan was for 20 years. for the first 10 years which ended in XXXX my payment was {$760.00}. without any warning my payment went to over {$2800.00} starting in XXXX. I could not make such a large payment and continued to make a {$760.00} payment per month to this date. the bank is threating forcloseure if all arrears are not paid by XXXX. I have applied for a loan modification and waiting to hear about that. my first mortgage is nearly paid off. I have lived here 25 years and need help.
Product: Credit reporting or other personal consumer reports

I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
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 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXXXXXX XXXX XXXX - XX/XX/2020, 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 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. XXXX I have a right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My current loan is through PHH Mortgage. On XX/XX/XXXX 2021 I mailed in a request to begin the biweekly payments starting XX/XX/XXXX 2021. On XX/XX/XXXX 2021 I called XXXX Mortgage to let them know I made a mistake on the dates and would like the biweekly to start XX/XX/XXXX2021 rather then XX/XX/XXXX 2021. They told me not a problem and switched the days for me. Later that evening of XX/XX/XXXX2021 a representative from PHH Mortgage called me to inform me that we could not start on XX/XX/XXXX, 2021 as the second half of the payment wont come in time for XXXX. I told them no problem and asked to start the biweekly on XX/XX/XXXX 2021 which they told me I would have to complete a new form and mail it in. XX/XX/XXXX2021 I was told they would cancel my first request of the biweekly and wait to receive the new paperwork to start it in XXXX. They emailed me the new request form which I completed it and had it mailed out on XX/XX/XXXX 2021. 

XX/XX/XXXX 2021 I received a withdraw from my account for half of the mortgage payment. I contacted PHH Mortgage and they told me it came out because I was in the biweekly program. I explained to them that it was suppose to be cancelled on XX/XX/XXXX 2021 when I spoke to the representative. She advised that they did not cancel it which is why the payment came out. I explained to them again if they went back and checked the notes and audio they would hear the conversation of me canceling it. I did not have the funds in my account when they withdrew money and requested not only a refund but for them to pay my insufficient funds fee which they refused. When I spoke with the representative on XX/XX/XXXX 2021 about this situation she confirmed that the biweekly is cancelled and nothing with be with drawn again. 

On XX/XX/XXXX 2021 I was looking at my bank statement and saw PHH Mortgage withdrew money again from my account which again made my account go in negative with another insufficient funds fee. I have been on the phone with PHH Mortgage trying to get this fixed and I keep getting the same answers. I have asked to speak to a supervisor which they didnt allow me. I have requested for the refund check to be overnighted because they cant put it back in the bank and its been XXXX days and the check hasnt even been sent out yet according to the representative. They told me the refund would have to be approved. I have expressed that this is their fault and now I dont have money for groceries for my family and all they tell me is that its a process and its being reviewed. Again, today XXXX/XXXX/21 has been XXXX days since I have complained and nothing has been done. They dont call me or try to fix anything. I have told them this was the second time they made me have insufficient funds and it was their fault and they should pay that fee which they refused. This has been a long battle and I dont know where else to go or how to fix this. Not only has this taking a toll on me with stress but it has effected my financial situation and not allowing me to go grocery shopping or get gas. I have a wife and XXXX small children that this also hurting.
Product: Checking or savings account

There was a hold in the amount of XXXX in my Chase Checking account by XXXX XXXXXXXX XXXX XXXX XXXX I went to court on XX/XX/2024. The hold was removed by the Judge of the XXXX XXXX, Kentucky due to the evidence that I had submitted to the court. When I received the court order, I took the order to the Chase Local Branch and the bank official faxed the order to the Chase Legal Department. I was informed by Chase Bank that the funds of XXXX, would be released from my Checking account in two business days After three business days,. I checked my bank account and they had sent the XXXX To the XXXX XXXX attorneys. I contacted XXXX a non-profit law firm, who is helping XXXX XXXX like me. The only income that me and my wife has is Social Security and her retirement pension. The is illegal to take this money from me and my wife which incomes are protected by Federal Law. They still took this money after a court order informing them, that they can not do this. I called the Chase Bank legal Department and they said that they had not received the court order and I was there, when the Branch Office faxed it to them. The Chase legal Department said it was my problem and they had no control over it. This was a legal court order. I have a copy of the court order for your review. Thank you so much for your attention and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference XXXX It was closed because Experian Lied and said those items aren't on my report. I'm looking at my Experian report and see all 4 Bankruptcies on there. 

I took it a step further and called Experian at XXXX XXXX XX/XX/2018 and asked if they see the items on there. Experian confirmed they are on there. 

This is why consumers are so frustrated with all 3 bureaus. They wear us out with endless canned responses until we just get tired and quit. 

I hope you can fix this.