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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681, section 602a, section 4 states, I have the right to privacy. 15 U.S.C 1681b 604a section 2 also states, any consumer reporting agency my not furnish an account without written instructions of the consumer to whom it relates. This law only provides for a maximum length of reporting time, not a minimum length of reporting time. As such, this reporting is in violation of the law the Fair Credit Reporting Act. Not only that, Truth in Lending Act 15 U.S.C. 1601b states, a creditor may not treat a payment on an open ended credit account as late for any purpose. Continuing to report this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.
Product: Mortgage

I paid my XX/XX/2023 payment which was part of a series of Trial Payments. After the loan modification was processed, my statement said I was due for XX/XX/2023 again. I have filed a complaint with the bank and nobody has contacted me to fix this issue. I'm retired and on Social Security. I have also been charged late fees that should be refunded. Please help me.
Product: Student loan

I am making monthly payments to ECMC. They continue to call my place of employment and send emails threatening garnishment. The email that I received today ( XX/XX/XXXX ) was from XXXX XXXX-XXXX stating that my wages were about to be garnished. How can my wages be garnished if I making monthly payments? The threatening calls and emails are pure harassment if I am paying them. How are these actions admissible?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act ( XXXX  Account number XXXX ) XXXX XXXX XXXX  XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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 without my written instructions
Product: Debt collection

I was suppose to have a remodel done in my house. I was approved but never had the job done. now a year later the loan company by the name of Mosaic is requesting payments for work that has never been done. The loan was for XXXX I never received money. instead the money was sent to a construction company by the name of XXXX XXXX. XXXX admits to receiving the money and claims responsibility. All sides of this deal been on the phone Mosaic, XXXX and myself. Mosaic accepts the fact that my name needs to be cleared from the loan and that XXXX is responsible but its been over three months and they still keep holding me responsible for the monthly payments, claiming that they are still working on releasing me from any responsibility. Im getting harassing daily calls from the company that I need to pay up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a medical collection for {$350.00} from a collection agency called RETAIL MERCHANT ASSOCIATES, with account number XXXX. I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore. 

Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from RETAIL MERCHANT ASSOCIATES, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score. 

As per the HIPAA law, medical information is considered private and confidential. However, RETAIL MERCHANT ASSOCIATES has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. 

Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, RETAIL MERCHANT ASSOCIATES has reported my debt, which is unfair and unjustified. 

I kindly request that you investigate this matter and take appropriate action against RETAIL MERCHANT ASSOCIATES. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}
Product: Mortgage

In the beginning of XX/XX/XXXX I reached out to rocket mortgage to see if my wife and I could get pre approved for a loan. At this time I disclosed a previous foreclosure. The Representative XXXX XXXX asked if he could run our credit to get a better understanding. He ran our credit, took our income information, and next thing I know we had a verified pre approval. He stated the foreclosure would not be an issue. From XX/XX/XXXX to XX/XX/XXXX he ran our credit 6 times and gave us 3 verified pre approvals and stated that we were guaranteed to close. After we spent our time looking at numerous houses we found a house and submitted an offer. We put XXXX down and opened up escrow. We had an inspection, did the appraisal, and paid {$500.00} to lock in our rate. They had us pay down debt that we wouldnt have otherwise which was around {$8500.00}. Today we received a phone call and said due to our previous foreclosure we were unable to get a loan. When I asked about all the money we paid they said that was the cost of doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public record from my Experian report that doesn't belong to me and it came back verified by the company. What company was it that verified it? This account can't be verified because it doesn't belong to me. XXXX XXXX doesn't have it on my report anymore so I want to know how was the account verified? This is fraud and false information being used against me. Please remove
Product: Credit card or prepaid card

I purchased a Netspend prepaid card. My reason is because I wanted funds to travel from Florida back to my home in XXXX With the current crisis, I did not know what I might encounter and I did not want to carry excess cash. Netspend accepted my cash for the card but denied me the use. The reason is that I gave my home address XXXX XXXX, Pa XXXX and that was away from where I bought the card. Netspend asked for documentation so I sent the a Pennsylvania Real ID ( the enhanced identification that allows you to board airlines ), my XXXX card, and a utility bill with my name and my Florida address. They asked for a social security card which, I explained, I did not carry. At one time, XXXX cards used a social security number, but no more. And, to get the Real ID, a person needs to provide an original social security card as well as birth certificates and several other documents. Netspend took my money but would not authorize the card. Their people were seemingly not informed about current identification and insisted on my social security card which is at home and, to get there, is why I bought their card. In stressful times, like now, their actions are unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the XXXX. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Product: Credit card or prepaid card

There was an unauthorized charge on my Chase Reserve account on XX/XX/20 for {$130.00}. I called to file a fraud report. Chase credited my account while investigating, then reapplied the charge back on my account. Chase said I'm responsible for the charge because the merchant was able to provide them with my personal information. I've appealed the decision, and they came back with the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, we provided information to what we suspected was a fraudulent company. 

We successfully froze our accounts with both XXXX  and XXXX. We also cancelled our credit card and put a notification on our bank account. 

We attempted to put a freeze on our Equifax account. We were informed they were closed and they requested we try again Monday. On Monday, XXXX, we called Equifax and XXXX told us the request could not be handled by phone. He refused to transfer us to a supervisor and hung up on me. 

We mailed the request. On XXXX, we received a letter with a verification code and attempted to log into my.equifax.com. 

On XX/XX/XXXX, XXXX assisted me for 40 minutes to try to log into my.equifax.com. After multiple attempts, I was informed that the system was down and was told to try back later. 

On XX/XX/XXXX, XXXX XXXX Employee # XXXX ) kept us on the line for 90 minutes and we repeatedly asked to speak to a supervisor which she repeatedly refused to do. XXXX, the agent said she would not transfer us to a supervisor due to legal policy not due to tech issues. She verified that the documentation she needed to transfer us would not have been able to be provided on the call. 

She provided us with 4 phone numbers : XXXX XXXX XXXX XXXX  ; Automated line ; Hot-line ; Fraud assistance. 

She said verification of identity ( SS #, Drivers licence ) must be received by mail before we could talk to a supervisor. We reset the password many times before requesting to speak to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with Chase when I moved to XXXX XXXX XXXX in XXXX. I used that credit card often and made regular payments with them while living in New York. Then at the end of XX/XX/XXXX/XX/XX/XXXX, I moved to XXXX and moved by banking account from Chase to XXXX, which had local branches nearby. I thought I had paid my entire credit card balance at Chase before leaving New York and had explicitly instructed my banker upon closing my account in person that I wanted to pay off my credit cards. But after closing my checking and savings there was still a small balance on the credit card. With my auto pay not set up because I had closed by checking and savings, the account was not paid. And because I had moved out of New York, I did not receive notices from Chase, who did n't have my correct contact information, informing me that I had an overdue balance. That balance went overdue for 90 days before I resolved the claim, which has destroyed my credit. I did not miss the payment because I could n't pay or did n't want to pay : it was because I did n't know that I needed to pay. And now I am not able to get access to credit because in large part Chase 's failed to alert me to the matter. It was n't a failure in credit payment ; it was a failure in communication, largely on the part of Chase. 

Despite having very significant credit availability today and not missing a payment in over 3 years, I still today have poor credit and can not qualify for a business loan that I desperately need, even though both my credit payment history is exceptional except for this event ( no missed payments in 3 years ) and also I have a great income and no existing debt. I have tried to resolve this situation with Chase bank, but they said they are unable to remove the claim or modify it to a shorter duration such as 30 days or 60 days, which would dramatically reduce the credit impact of the event. 

Considering, I was n't aware of the delinquency for such an extended period and the nature of the move, I do not see it as fair for my credit to be substantially impaired for another 4 years ( I am now only 3 years removed from the event and credit events last on your record for 3 years ). It was a logistical error, largely on the part of Chase. 

I have contacted Chase Credit Reporting Services, and they said that under no circumstances are they able to change their credit reporting to the credit bureaus. I have contacted the bureaus and my appeals are in process.
Product: Credit card

I subscribed to a XXXX year subscription to XXXX XXXX for {$170.00} in XXXX XXXX. A few days later I discovered I was charged {$290.00} under a transaction name of XXXX XXXX XXXX so I cancelled my subscription. I never received a confirmation email of the cancellation to verify the date of the cancellation so I didn't selection that option on the Cardholder Statement of Dispute Item : Credit Card form Truist sent me when I disputed the charge. 

I had other fraud charges around the same time that Truist reversed. I spent many hours in XXXX branches of Truist to settle this dispute. Truist kept saying to wait XXXX statement cycles, claimed they couldn't find emails I sent and kept saying they would resubmit it. I cancelled my XXXX with them many times, replaced the portal for my computer 3 times and got a new computer because of other fraud charges that where happening but reversed. 

Also, Truist said I am not responsible for charges so I subtracted them from my balance. They charged me interest in the amounts of {$31.00}, XXXX and XXXX. Also, I have a refund from XXXX 's of {$26.00}. 

I was told they resubmitted the complaint again and I should call XX/XX/XXXX. They denied reversal. This is a fraudulent charge. It should be reversed.
Product: Debt collection

I received a written demand for {$520.00} from American Coradius International LLC XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX NY XXXX on XX/XX/2021. 

It alleges that I am in arrears to XXXX XXXX and that they have been assigned my delinquent debt under account # XXXX. 

I have only one XXXX account and that balance is, and has been for years, {$0.00}. I am uncertain if this is a case of overt fraud or mistaken/stolen identity, but my credit has been frozen for years and I'm having a hard time imagining a situation where someone was allowed to open a new line of credit under my name.
Product: Credit reporting or other personal consumer reports

I have been disputing/inquiring about the following items on my credit report over the course of the last year. Every time I send a request directly to this bureau they have failed to " prove '' that the reported items in question are accurate and true. They either do not respond or simply say that it is correct with no information or documentation that can verify that these accounts are valid.
Product: Checking or savings account

Wells Fargo was picking and choosing when a what statements to post on my accounts I had made payments on mine and my boyfriends XXXX XXXX XXXX XXXX  and after the one payments were accepted and deposited to my account Wells Fargo without my permission dispsuted the transactions and never returned my money causing XXXX to close my account even effecting our credit.It was closed due to multiple payment returns that we did not request Wells Fargo to due and money was never returned to me.Wells Fargo even tried to charge me 35 bucks for a return fee which they did without my consent.I already made a complaint and got a lie for there answer and I will provide that with the proof that there lying the first 6 attachments will prove the lying them taking and not returning my money they even altered my transactions so u cant even see when they took the payments out and no showing it was returned
Product: Mortgage

My heloc has been bought and sold many times in the past 18 years. I havent made a payment in over 14 years. I live in NJ where the statue of limitation is 6 years. My lender has been harassing me with phone calls and notes on the door until I got an attorney. They are foreclosing on me now which I dont believe they have a right to do. My loan was recently transferred to Shellpoint Servicing which the communication has been aweful. Any help you can provide would be greatly appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Experian XXXX XXXX XXXX XXXX ACCT # XXXX The account was paid in full over a year ago, but today when reviewing my credit report, I discovered that this account has been placed as a " COLLECTION ACCOUNT '' This needs to be removed immediately, as this has been previously disputed and cleared by Experian. Now today, it has been inappropriately and erroneously been replaced as a collection account again!
Product: Checking or savings account

On XX/XX/2018, I sent a letter to Citizens Bank requesting an opt-out of the arbitration clause. I also requested paper statement delivery, a change to my privacy preferences, their fax number, and I reported a website bug. This letter was ignored. It was posted to the arbitration opt-out address. I have attached a copy of this letter. Then on XX/XX/XXXX, I sent two more copies of the letter, each of which were addressed to different addresses ( XXXX XXXX XXXX, XXXX, RI and XXXX XXXX XXXX, XXXX, RI ). Both of those letters were also ignored. Apart from all three letters being ignored, I also confirm that Citizens Bank has not sent me any paper statements. The most recent statement I have on file is that which closes in XX/XX/2018.
Product: Debt collection

The start of the new I received my credit report and I noticed things in error, So on XX/XX/XXXX I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/XXXX I sent a certified letter to Caine & Weiner company Inc and progressive with no response from progressive. After having my dispute ignored and feeling helpless I researched and found out that section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove this item from my credit report. It has now been well over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file litigation due to the stress this has caused my family and I be effecting my credit score. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

They have reported inaccurate information regarding my credit report resulting in a negative effect on my credit score and payment history.
Product: Mortgage

We have had nothing but trouble for a number of years trying to qualify for a loan modification. We make enough money to sustain a mortgage payment and had put over XXXX down on this property now only worth XXXX when we bought it for over XXXX XXXX. We were forced into a bankruptcy after multiple attempts to resolve the disputed mortgage delinquency and modification process threatened us with foreclosure. We have also attempted to resolve this issue through and attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) who ultimately cost me over ten thousand dollars to still have the threat of foreclosure and stall tactics with no real resolution during the entire process. Ultimately denying us saying they could not verify our income, which we have provided bank statements and tax returns for. I am now attempting to short sale the property as a last resort although we should qualify to stay in the home. We were told we had to drop litigation in order for them to review us for a modification after over a year of going no where, then when we did, they blocked us from speaking to them to get status of the modification review and to confirm that they received the documents we sent. Instead they only lift the block 2 days ( they refuse to help saying its now to late ) before a sale date forcing us to file a bankruptcy to prevent the home from going to sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( Progressive ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In May I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX XXXX to that notice on my report. I have two letters from XXXX finance who informed me that as of XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional information.
Product: Mortgage

I have been with Wells Fargo for several years. I have paid my mortgage on time. During the Covid-19 pandemic, I divorced and used credit to pay my lawyer, which makes my debt-ratio high. I need to refinance to payoff the debt, but Wells Fargo said no because of my credit score. Again, my credit score is due to my high debt ratio. I have assets and a steady income, and Wells Fargo did not even bother to review that aspect of my financial circumstances.