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

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to  multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to Mechanic Bank Auto. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
XXXX, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$10000.00} Creditor has not removed from my Credit report
Product: Debt collection

Withdrew funds from my XXXX XXXX bank account for {$2000.00} when I had not authorized them to do so. Bank reversed transaction since I did not have the funds available. I have since changed bank accounts and continue to be harassed by this company.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act
Product: Credit card or prepaid card

XXXX XXXX denied us access to a cruise we had booked to commence from XXXX XXXX in XX/XX/XXXX. Following our arrival at the port in XXXX XXXX We were advised that we were late and access to the cruise ship at all its ports of call would be denied. As a result no service was provided to us by XXXX XXXX. To date no response has been received from XXXX XXXX detailing their reasons for denying access. Chase Cardmember services has been handling our defense but with such a long passage of time having lapsed since our original dispute filing, we are reaching out to you for help resolving the dispute. 
Attached are the following documents 1. Letter to Chase dated XX/XX/XXXX detailing my frustration with the still unresolved matter 2. Letter to XXXX XXXX XX/XX/XXXX detailing the full account of our dispute 3. XXXX XXXX letter handed to us at our arrival at the port of XXXX XXXX XXXX backup documentation such as tickets, photos, receipts etc can be provided should that be necessary.
Product: Debt collection

I receive continuous calls for an individual even they can not pronounce the name. XXXX XXXX?? Must be under a number I received from XXXX XXXX years ago. XXXX. Those calls forward to my cell phone XXXX. I have asked and even called back when I am hung up on to stop calling and remove my number. I am told I do not own the bad debt account and cant speak on behalf of account to remove phone number. This will be year 3 soon that I keep getting phone calls.
Some calls I loggedXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A lot of calls happen while I am driving or at my kids school event.
Product: Credit card

On or about XXXX I called Citi Bank about my rewards program. I was asked my social security number and I asked which country I was calling. The rep told me the XXXX. I asked to speak to someone in the XXXX. The representative who answered asked my information and I gave it. She did not ask for my social security number. I advised her it was not okay that I had to speak to the XXXX and never a XXXX representative. She didnt like that I said this. AT NO TIME DID I REQUEST MY ACCOUNT CLOSED. BUT SHE CLOSED IT SHOW I REQUESTED IT TO BE CLOSED. I have been calling constantly. I was informed I would need to reapply for a card I NEVER closed. I would have to take the inquiry on my credit when the account was closed fraudulently. And then when I call, they tell me that the representative closed it and then today on XX/XX/2023 I was informed that supposedly it was close through the phone system. Which I dont know how you can close an account through the phone system. Citibank has been very disrespectful and unprofessional about every situation.
Product: Mortgage

I applied for and was granted a loan modification in XX/XX/XXXX. I was XXXX years old and XXXX and on social security my husband was unemployed and his unemployment had ran out. I am now XXXX years old, my husband is still not working due XXXX XXXX XXXX and XXXX. My family has been helping us keep the mortgage current but they are slowly stepping away. I do n't want to lose my house. I have fought for this house for so long. I will find a way to keep to my payments current. The mortgage company told me on XX/XX/XXXX, I qualified for the HARP Program I spoke to XXXX XXXX at Ditech Financial XXXX ext. XXXX. He told me in detail that I would received {$5000.00} off of my principal on XX/XX/XXXX and every year after that I would receive {$1000.00} off my principal until the 6th year. then I would receive another {$5000.00}. and so for and so on for the life of the loan. I was also told this by other parties that work for the company. But I get a call in XX/XX/XXXX from XXXX XXXX now stating that I will only be getting a one time {$5000.00} off the principal. I feel like this company is trying to take advantage of the elderly. We have already been taken advantage of by XXXX XXXX XXXX. Now this company to! Because it was explained in detail how the program is suppose to work I feel like something is wrong. Because now he is telling me that they are putting me in another program. It is called Pay for
Performance. What Performance! I have been struggling to pay!! Are they telling me one t
hing and doing another and pocketing the other money? It just does n't feel right! Please investigate  this process!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX  XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late and charge off year XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, My previous landlord XXXXXXXX at the XXXXXXXX in XXXX XXXX processed an eviction against me and upon me getting an attorney we settled on an agreement : the agreement stated that if I moved out of the unit by a certain date they would absolve me of all debts and dismiss the case and my attorney could file a motion to vacate the judgement. I relocated prior to the move out date and the case was dismissed, masked and vacated. Now the XXXX has pursued my credit through a company name XXXX XXXXXXXX XXXX. I tried to dispute this through the credit but the credit bureau validated the creditor, then I contacted my attorney and their attorney XXXX but the XXXX XXXX has not taken care of this matter and no one is helping to resolve this matter. I need some help to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.
Product: Checking or savings account

On XX/XX/XXXX my account was sent into over overdraft ( XXXX  ) for a XXXX XXXX order through td bank. Even with a beginning balance of XXXX there shouldn't have been a charge becuase td says they dont charge for under XXXX dollars. This whole time there's XXXX in my savings account that I was told my multiple different customer service reps that I had overdraft protection and it would just pull from my savings. Then on the XXXX, they charged another with XXXX in our checking. How is that allowed. We called later that day and got them reversed and SPECIFICALLY brought up the OD protection, only to be told it wasn't on our account and we have the option to enroll. So we said yes. Only to have XXXX more dollars taken out in over draft the XXXX. When that XXXX dollars was taken out, there was around XXXX dollars in the account and no charges. So we called again, only to be told we dont have overdraft protection, and then we had to speak to a supervisor becuase the rep we spoke to kept telling us the same thing we've just been told 3 days ago. The supervisor then goes on to get in a screaming match with us and refuses to listen to what we had to say, regardless if they were what her employees told us or not.XX/XX/XXXX
Product: Debt collection

How ever many attempts to speak with XXXX per operator. They state he should called me back than they transfer Me XXXX and said he would called me back.XXXX if this number is right still no called from your agency 's of Transworld collection. Now since XXXX sent my loan to Tranworld no one answer the phone for the whole of this month, I need to speak with someone about my loan please help someone from Transworld Collection thanks. As of XX/XX/2016 no answer please someone help this retired senior citizens please help some body hear my cry. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked XXXX XXXX if they could correct this problem and they told me they will look into it 4 weeks ago abd still havent heres problem Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out
Product: Debt collection

I am writing you to request the removal of the Default Judgment file from XXXX XXXX XXXX. 

I was not serve properly to dispute the two accounts. 

Inside the court documents, the server served the wrong person. The server states that she served the citation to a woman she confirmed to be me. But, the woman she described has a different age, weight, height and the woman confirmed of being me is from a different race. 

Also, the two accounts XXXX XXXX XXXX is attempting to collect were discharged in my ex husband Chapter XXXX Bankruptcy XXXX filling. 

I contacted the XXXX XXXX XXXX by phone and by mail and they only send general advertisement to ask me to pay the two debts.
Product: Debt collection

Harris and Harris debt collection XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX,2020 XX/XX/XXXX2020 XX/XX/2020 XX/XX/2020 Request to stop calling Not our account They continue to call
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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX, Account name : # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 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

I have disputed this directly with Equifax as well as submitted more than XXXX or XXXX complaints through CFPB but no one does anything. I 've submitted police reports, Grand Jury Indictments, Victim Status Reports when the offender who stole my identity was sentenced. XXXX XXXX and XXXX were a pleasure to work with. Equifax and CFPB have one excuse after another. Neither respond, neither consider any of this a priority! This has been going on since 2010, so I guess you just want me to wait till next year when it falls off on its own. Please assign this to a Department Head and Manager. I DO NOT want a supervisor looking into this case again as its gone no-where. Thank you! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
Product: Payday loan, title loan, or personal loan

Yes I got a loan from them for {$1000.00} and I thought it was weird that they asked me for my bank login information like my password and email to log into my bank account I did not give them that I just gave them the routing and account number I didn't even speak to anybody I just sent them my picture of my ID and my bank account information and they put {$1000.00} in my bank account. The agreement was for them to take the payment directly out of my bank account every week. I had a problem with my bank because my card was stolen and my my account was compromised so I had to freeze the account. I do not have any checkbook or any kind of checks and they wrote a fraudulent check into my account for the one of the  payments I contacted my bank and they looked into it further and reimbursement my account. I can not believe that they went to write a fraudulent check in my name. They're obviously a scam and a fraudulent company and I need to take action.
Product: Debt collection

Over the past couple months Chase repeatedly contacted my father about the supposed debt I owe. My father contacted me and asked why Chase was trying to get him to pay the bill when my Chase account was never linked to my fathers. He did have an account with Chase but he closed it, in good standing, years ago.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and challenge the accuracy of information on my credit report maintained by your agency. Upon reviewing my credit report, I discovered that an old address is still being reported, which is inaccurate and misleading. Additionally, I believe there have been violations of the Fair Credit Reporting Act ( FCRA ) in this regard. 

This address is outdated and no longer associated with me. As per FCRA guidelines, credit reporting agencies are required to ensure the accuracy and completeness of consumer information. However, the inclusion of this obsolete address is a clear violation of FCRA regulations. 

Moreover, the presence of this outdated address on my credit report could potentially harm my creditworthiness by leading to confusion or misunderstanding about my current financial situation. It is imperative that this information be promptly corrected to reflect my true and accurate credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Best Buy is reporting an account on my credit file that is not mine. I recently looked at my credit and noticed I have an account with Best Buy under " Authorized User ''. This account is not recognizable to me and I have never been added as an authorized user onto any account. You have nothing bearing my signature and I ask that you remove this immediatley.
Product: Checking or savings account

Hello, To whom it may concern, I am writing this letter today out of desperation after using the ZELLE option available on my XXXX banking application. 
On XX/XX/2022 sent out {$1900.00} and {$1.00} in order to check if the account was correct but the person in question never answered my text messages and I proceeded to send the total amount needed for their services. 
On XX/XX/2022 sent out {$2000.00} and on XX/XX/XXXX sent out {$2000.00}. 
Total sent out {$5000.00}.

The party told me that they have never received the money. They claim that they do not have the money so I will not receive the services. 
I think that the money might have been sent to the wrong person by using the wrong phone number on ZELLE. Either way, I am being victim of a SCAM because the party that received the money is not returning it to me. 
After trying to contact ZELLE by phone and by email several months, finally I was told that I can not deal directly with ZELLE, that I need to call my bank XXXX which I used their services from. 
I called to file a claim with my bank XXXX and was given a reversal money payment on XX/XX/2022. I could not open the message on the XXXX application so, I thought that justice had been served and that I won the claim, I therefor transferred the money back to my savings account but on XX/XX/2022, XXXX reversed the money and took it back. I still have not received a claim status!!!! Now, my checking account is overdrawn and I was charged overdraft fees. 

I really need your help because ZELLE is refusing to cooperate with my bank XXXX, and I am not allowed to get the information of the person that kept my money to pursue them in civil court. 

Waiting for your return, Thank you so much, Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows Excellent approval ratings for a loan with XXXX so I took the offer for pre-approval, then applied and I was " approved '' The loan provider XXXX then requests a bunch of documentation ( All of which supported my loan application details and then they said my loan was denied, I could apply again in 30 days, and that I could not discuss why after providing all of this personal documentation that my loan was denied. 

Typically, once you get to the point of needing to provide physical documentation. - You're contacted by the loan provider if something on your documentation or in your banking that you've provided is incorrect - They did not do so. I called and they said there's nothing they can do for 30 days. 

Process : 1. XXXX  XXXX shows excellent odds 2. I click take offer 3. I go to the website and it says submit your application with no impact to your credit 4. I get my loan terms and rate 5. If you accept, we will run a credit check 6. Asks for documentation to be provided to recieve funds 7. Application denied based on their 4-tier factors Of those factors, all 4 can be found via credit consumer reports - The reports they used during both the XXXX XXXX soft pull and then the XXXX soft pull. This inquiry should be removed and their practices should be investigated. Telling people that " Checking doesn't impact credit score ''. on two occasions and then denying a loan after two seperate checks without explanation seems like a way to have people apply over and over for the purpose of potentially being able to get a loan out to someone with millions likely racking up inquiries based on this.
Product: Debt collection

I filed a dispute in XXXX of this year and it was removed. Now they are using a new collection agency to collect payment.