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

I have tried to reach out to the credit bureau regarding the two accounts, XXXX & XXXX, due to the large amount of inconsistent & inaccurate information that is on my reports. I have requested that these accounts be deleted from my Experian report but I continuously receive responses that the information has been updated instead. The information is never updated completely and there are still inaccuracies across all bureaus with both accounts. Which is why I have always requested for the REMOVAL of both accounts, but I am continuously disregarded when requesting this. Please remove these accounts from my credit report that are showcasing completely inaccurate information across every credit bureau. This is hindering me from progressing to the next level personally and with my business, because of these accounts and the incorrect information that creditors are seeing on these accts when pulling my reports.
Product: Credit reporting

XXXX XXXX, New Jersey XXXX department increased my child support payment amount by {$20.00} per month but did not make the change with XXXX garnishment operations. The result was a {$140.00} balance of which I was unaware. Probation indicated that the account is in collections on my credit report.
Product: Checking or savings account

We opened a CD with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the CD for five more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX XXXX XXXX, and Citizens is not permitting this. 

Not everyone is connected to email 24x7, and we never received the original email that our CD was due. Even more importantly though, we never received a phone call. I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. It is almost as if Citizens is being very sneaky and trying to keep customer money as long as possible and pay as low an interest rate as possible. 

I am hoping you can help get our money out of this bank without a fee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : 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 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 In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Mortgage

I received a letter today from my mortgage company stating that I was not eligible for any of their modification programs due to what I owe from default. These people were also constantly saying that I was missing paperwork for my modification application. I would like some help in finding out why I was not eligible out of all of the programs available and why they want my property so badly. I can pay some money to reduce the cost of what I owe and maybe get into a modification program.
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 XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second time asking these XXXX XXXX XXXX to remove these collections : 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 that have been falsely reported on my credit reports. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

In accordance with the Fair Credit Reporting Act the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit card or prepaid card

I have a prepaid credit card from Chime. I purchased a subscription for XXXX on the XXXX of XXXX, by mistake with my XXXX  XXXX. So I immediately called XXXX for a refund, and they in turn immediately refunded it back to my card. During this process, Chime decided to put my prepaid debit card ( which only lets you spend the amount you put on the card ) in a XXXX balance. Leaving my overall account negative ( which is not possible to do with a prepaid card ). I called to tell them of the mistake, I was belittled, told that my money was posted to my account and that it was nothing else needed to be done cause apple was still processing the refund. Weeks after not seeing the refund post, I called again to ask them " Why hadn't my refund been posted to my account? ", I was told that 1st it had been posted and I had received my money. After I assured him I did not receive my money and the amount that they had posted only fixed the negative balance that was on there ( that shouldn't have been ). They told me this like 15 times without even trying to comprehend anything I was saying. They then lied to me and told me it was because XXXX tried to take the money 2 times. So I get off the phone, call apple and confirm, the very sweet lady I spoke with confirms with me that they did not charge me twice and that the mess-up is on chimes end. So I was blatantly lied to, all because someone messed up and didn't want to fix the problem. The guy XXXX I spoke to was very nonchalant and showed no concern or care for my issue. I know it's only XXXX but I need every penny I get. I am a college student living on my own with court issues, illnesses, and other obligations I have to attend to. So I'm here begging you to please help me get justice in this matter. I work very hard for every penny I earn and I need my money back as Chime will not even listen to fix the problem. Thank you in advance. 

With XXXX, XXXX XXXX XXXX
Product: Debt collection

Here is some information about what is going on. Enhanced Recovery Corp has placed items on my credit report that I have no knowledge about. 

The collection opened XX/XX/XXXX for {$2000.00} From ERC, with the original creditor is coming up as XXXX XXXX XXXX. I have no recollection of this account. I only recently started using my credit in XX/XX/XXXX. I 've never had a cell phone, cable, satellite TV, house phone, or my own house for that matter. I do n't know how any of this is coming up. 

I 've tried disputing through XXXX XXXX dispute feature twice, and they keep sending it back saying the information is accurate. Also through XXXX online dispute, the same thing. Now I did check the address that they had on file and it is my childhood home, but I have n't lived there since XX/XX/XXXX. 

The name they had on file originally only matches up with my last name, the first name on their file was never a way my name was spelled, pronounced, or did I ever go by that name. Further more, the name was a masculine version of mine, and also the fake name was also spelled incorrectly. As far as I can tell, they have since then changed it? That name is not coming up in any file I can access online. 

This Collection / Derragotory mark has been affecting my life severely, I refuse to pay this collection because it is n't mine.
Product: Credit card

My Southwest Credit Card was closed by the company. I called and asked why my credit card was closed they stated they couldnt provide me with any information. 

XX/XX/2022
Product: Debt collection

I have attempted to resolve this matter and inform the ARS Account Resolution Services this debt is not owed by me and requested strict proof according to the FCPA, Section 609 ( a ) ( 1 ) ( A ). I never received a copy of the contract, agreement or any things with my signature proving this debt belonging to me. I have NOT received services as implied. I strongly believe this debt belongs to someone else and I have expressed this to ARS Account Resolution Services multiple times., this debt is a fraudulent. They continue to ignore my request for proof of debt they have ONLY sent me a copy of their invoice but have failed to provide strict proof of the debt as demanded numerous times.
Product: Money transfer, virtual currency, or money service

I have a. Account with wave financial ( my.waveapps.com ) My user name is XXXX. 

My account has been disabled & I have been unable to reach customer service regarding this issue. The website is used to invoice, quote & do bookkeeping as well as take payment from customers & transfer those funds to your bank account. 

This issue has been ongoing for 5 days & my business has been paralyzed costing me money & opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a signed legal deferment document from SST/XXXX   for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' SST/XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX 's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX  's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now  also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, XXXX  ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
SST/XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " SST/XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.
Product: Debt collection

They told this was an error and they still have not removed the collection from my credit reports.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e ( b ) states that reporting agencies are required to perform reasonable procedures to ensure MAXIMUM ACCURACY when furnishing information on a consumers credit report. I have repeatedly asked the credit reporting agencies for the company 's bank statements proving any late payments on this account and they have been ignored repeatedly thus violating my consumer rights and damaging my credit scores and ability to attain credit. If the account is not REMOVED from my credit reports for inaccurate reporting AND failure to properly reinvestigate and provide requested proof of documents then i will be forced to pursue legal action! 

I have attached screenshots of inaccurate reporting across reports.
Product: Mortgage

I was told by Trustee , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holders of the XXXX, XXXX, Alternate Loan Trust XXXX, Mortgage Pass Through Certificates, Series XXXX, in response to CFPB Complaint ID XXXX, to forward this to Bank of America, NA ( the XXXX XXXX XXXX '' ) of my loan, See Exhibit # 3. 
I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, SC, on behalf of note owner XXXX XXXX XXXX XXXXThese two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : 1. What date that XXXX XXXX  XXXX sent the original IRS Form 1098 for XXXX to IRS? 2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX, XXXX as the third-party requestor ; 6. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX XXXX  XXXX as the third-party requestor? 7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 8. What is the name of the contact person at XXXX XXXX XXXX XXXX the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 9. Where are the copies of any documents with XXXX XXXX XXXX and XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by XXXX, XXXX XXXX XXXX XXXX, to third parties?
Product: Debt collection

I was told that the debt belonged to me and the only way to get it off of my credit was to pay it. It was only {$67.00} so I did. They wrote it as paid and never removed it.
Product: Credit card or prepaid card

I have had my card for about 2 or 3 months now and no money has been sent to me yet.. I dont understand what Im doing wrong or even if Ive been approved yet.. I received an email saying that I was approved but I have yet to see any benefits.. I have a XXXX year old child and I am currently unemployed and really need some help
Product: Credit reporting or other personal consumer reports

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX LOWER CREDIT SCORE FALSE INACCURATE ADDRESS AND NO KNOWLEDGE OF TRANSACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been disputing two closed accounts that were a charge off but paid in full. These accounts are XXXX XXXX and XXXX XXXX. I have sent proof showing these accounts have been paid in full and both creditors have called Equifax and XXXX asking them to update my credit report. Both payment status and account status reads charge off/collection which is incorrect. It needs to be updated to paid in full was a charge off. In the comment areas I can see both creditors saying paid in full was a charge off but Equifax and XXXX refuses to change this. I'm requesting both these accounts to be removed from my credit report. I have disputed this by phone, on there website and by certified mail in XXXX, XXXX and XXXX. I have attached my current credit report along with certified letters and proof of both accounts paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX thru XXXX XXXX. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found XXXX XXXX had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called XXXX XXXX ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers XXXX XXXX  this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at XXXX XXXX reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THE ADDRESSES PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account from XXXX  XXXX XXXX # XXXX. Someone was using my name to apply for credit/loan. I filed a police report due to my information being compromised.
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. 


Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7500.00} XX/XX/XXXX