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

I opened a account with this company ( KICKOFF ) to help with adding positive reporting accounts on my credit report. They're 1 of many companies that consumers can pay a monthly or annual fee for the company to report a positive account balance and credit limit without the customer having physical access to that line of credit ( Authorize user type account without physical access to account ). I ended up having 2 accounts with this company, not Intentionally. My initial account was established XXXXXXXX XXXX XXXX. I was happy with the reporting in the upcoming months and happily paid the {$2.00} a month for my POSITIVE reporting account. 6 to 7 months later I damaged my phone a receive the new device. With this new device I had to set up all my apps again. I went to login to my KICKOFF account and had troubles. I ended up having to put my information into the app just to be able to gain access. At this point I'm under the impression that I just went through a verification process in order to access my original account. Apparently I created a 2nd account unknowingly. 2-3 months later after consistently paying my original account thinking that I was paying my full obligation of {$2.00} a month as expected, my credit score dropped like a brick because of Delinquent 90 day late payments and a closed account being reported by KICKOFF. I looked at my credit report and I noticed I still had a positive reported account with KICKOFF. Still confused I went to the app to investigate and noticed the 2nd account. I reached out to KICKOFF and explained that I was unaware that i had 2 accounts with them and the 2nd was made by accident. Note that my original account was in great standing and i never made a payment on the 2nd account that was opened. With that simple observation you would recognize i was totally unaware. Why would I be responsible with 1 account just to be totally negligent with the other? I kindly requested an opportunity to resolve the delinquent account to change the reporting status. I was rejected with a statement that said its my fault and I have to deal with it. I became extremely angry and tried to explain in more detail why it's not fair. I was gaslite in emails responses stating when an account is closed it can't be opened and a newly closed account will temporarily affect my score and its nothing to worry about. I didn't ask at any moment to reactivate the 2nd account, my only request is that it would be removed from reporting. It has been blatant neglect to resolve my reported late payments because they stopped answering my emails. This company is supposed to help report positive information yet they're not willing to help revise a mistake that wasn't intentional instead reporting harsh information to my credit report that's preventing me from getting the funding i need to start my business and purchase a home. 



The account is being reported as paid on time and delinquent all at once under XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ; XX/XX/scrub>XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting

I was a victim of ID theft 3 times in past year and requested and submitted all the info to have a security freeze and fraud alert placed on my credit bureau accounts. Equifax sent my credit report and all my security freeze info to an address that was not even mine. So now my info is in the wrong hands again. I spoke with XXXX people from Equifax over an hour and half and they told me that it was my fault for not reporting the correct address. All of the documents submitted had my correct address. They will not provide me with a new PIN number, and I have left 2 messages with the corporate office and received no call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information part # 1 : XXXX has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While Equifax is reporting the opposite : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both XXXX and Equifax are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both XXXX  and Equifax to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.
Product: Debt collection

I rescinded the alleged loan on XX/XX/2005 ( enclosed copy ) and second loan on XX/XX/2005. The attached letters from the Orignator ( XXXX ) requesting us to sign new loan documents after I had rescinded ( enclosed copies ) including the following : Good Faith Estimate ( GFE ) Truth in Lending Disclosures Note ( that I had questioned the rate on page XXXX ) The documents that XXXX XXXX XXXX XXXX has provided dated XX/XX/2005 are forged and was rescinded ( enclosed document shows changing dates from the XXXX to the XXXX and XXXX XXXX XXXX typed the XXXX on them, illegal ) We never wanted or agreed to a 7.1 % ( when we was paying 5.35 % ) interest rate for 40 years or wanted a second mortgage ( that XXXX XXXX XXXX XXXX has NOT provided yet ) in 2005.
Product: Checking or savings account

Truist Bank has reflected a balance of XXXX owed in my account, but it is still leading to negative reporting in early warning systems and check systems. On my check systems report it is stating that the account is unpaid. This reporting is hindering my ability to open another bank account. I have the right to request the removal of this negative reporting, as it does not accurately represent my financial situation. It is also preventing me from being able to keep my XXXX XXXX XXXX  account, the bank closed my account due to the negative reporting.
Product: Credit card

This morning I checked my credit score in anticipation of buying a car tomorrow morning when I discovered a XXXX XXXX credit card had been opened by someone using my information without consent or my knowledge. While dealing with that, I went to lock my credit report on XXXX when I received a notification that a Kohls credit card had also been opened using my information without my consent or knowledge. I've contacted both Kohls and XXXX XXXX and reported the account as fraudulent/identity theft. I learned that the Kohls card was opened at the XXXX XXXX location in XXXX, WI on XX/XX/2024.
Product: Debt collection

Mb Financial has been contacting me on my delinquent mortgage payments since XX/XX/XXXX. I had received call several times and asked to speak to someone to lower my payments and pay off amount due. I was told can not do and have to fill out Hardship Package. I had to wait 7-10 business days to get. I received around XX/XX/XXXX. I needed to provide tax forms, month pay stubs, fill out the package and send it back. I sent out package about XX/XX/XXXX. It took several days to receive. I was told by XXXX that my account would be looked over and that i would be contacted. No phone calls were made to me. I waited 5 days. I called back. I was then told that it was incomplete and that 3 pages didn't get retrieved. I reprinted the paperwork, and emailed to XXXX default at Mb financial on the XXXX of XXXX. I was marked completed when i called back by XXXX again. She told me i had to wait 2 more weeks for a judgement. It was then sent to XXXXXXXX XXXX XXXX XXXXXXXX lawyer 's office to assess fines and fees. I am simply trying to pay the amount. I asked for a statement and was told i have to wait 2 more weeks to get the email by XXXX. I was then told to call Mb financial for help. I called them they told me that it was out to the Lawyers office again. I just want to resolve, get amount. Pay and lower.
Product: Credit card or prepaid card

I have a purchase from XXXX that the company still is not correcting and every time I try to talk to them they give me almost robotic automatic answers I want this charge reversed. The company the charge was with has already talk to me on the phone and agreed once this financial institution reaches out to them they will reverse the charge and agree to the dispute but my financial institution is not working with them and hasnt even contacted them this has been going on since XXXX. I have the XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX, XXXX XXXX. My name is XXXX XXXX from XXXX to XXXX I had medical insurance I live in XXXX South Dakota. My end social is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I noticed unexpected and unauthorized inquiries on my credit report today, and I can not understand their origin. I was simply doing my routine check when these discrepancies appeared. I tried refreshing the page, thinking it might be a system error, but it wasn't. This situation has left me feeling upset and stressed. Please examine the documents I submitted to address this problem promptly and ensure it doesn't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.
Product: Mortgage

Hi I have been paying my mortgage on time for the past approximately 8 years. I am XXXX years of age and on Social Security XXXX for 8Years. I had no problems paying my mortgage up till now. My initial mortgage co. XXXX XXXX XXXX made a Loan Modification in XX/XX/XXXX with The Making Homes Affordable Program which aloud me a modification to be able to make payments. Then in XX/XX/XXXX XXXX transferred my loan to XXXX XXXX XXXX which transferred the loan to Fay Servicing. Since the transfer my mortgage statement has increased {$160.00} I was told due to interest rate increase an escrow shortage. I was still able to pay that on my fixed income. However I received a letter today saying that my property is in a flood zone and " they '' are buying me flood insurance ( which I have to pay back ) also I know is going to put me in a bad financial situation. possibly in a fearful situation where I might falter on the mortgage. My point is that I have not had flood insurance for approx. 10 years. I 'm not even sure why in XX/XX/XXXX when I modified my mortgage I was not told I required flood insurance and I 'm not sure I 'm even in a flood zone as Fay Servicing is saying. Is this legal since my initial application for my loan modification was signed off with no mention of flood insurance. If so are there any options? My hope is that you understand and assist in any way possible to get though this difficult time. Any assistance would be greatly appreciated. 
Many Thanks in advance Best Regards
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint against XXXX and the major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my unsecured loan account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as charged off with {$1700.00} written off, past due as of XX/XX/XXXX, and showing a payment history of continuous " CO '' ( charge-off ) since XXXX. This is utterly falseI never defaulted on this XXXX term loan, opened on XX/XX/XXXX, and managed it responsibly with timely payments. The status, updated as charged off in XX/XX/XXXX, is a gross misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs.

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i.

Immediate removal of all inaccurate entriescharge-offs and past-due statusesfrom my credit report. 
Compensation for the severe harm, including financial losses and the near-loss of my home.

Enforcement action against XXXX  and CRAs for their willful noncompliance. 
Issuance of Form 1099-C for the reported {$1700.00} charge-off, if applicable, to address potential tax implications. 
I have provided payment records and dispute correspondence, yet their failures persist. This is unacceptable. Contact me at XXXX or XXXX for evidence. I expect a response within XXXX business days, as delays worsen my dire situation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency TrueAccord stating that I had an unpaid balance with XXXX XXXX. I have never ever done business with XXXXXXXX XXXX or TrueAccord for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
Product: Checking or savings account

I came into this branch today to open a savings account after the security guard informed me that the banker was already late she told me that he had no appointments in front of me and that I would be the first person he saw it he came in the bank teller XXXX was late he immediately ignored me he went into helping other customers and decided to ignore even the security guard telling him that I was waiting on him for customer service and then began to still sit there and do whatever he wanted to I waited patiently going on XXXX upwards of 20 and 30 minutes away Ting I came up to the window and I told the young lady I said you know it at this point can I just close my account and withdraw my funds she told me I could not without speaking to a banker I said what I know I should be able to withdraw my funds without talks about 30 minutes now and she told me that I could not have to have a seat and then I said the lady that was sitting there threw up her hands very disrespectfully and walked away the branch manager with her little XXXX attitude told me that they were going to ask me to go to another branch because I was being rude and I told her what was rude was having the nasty late Banker sit there and ignore me while I was waiting going on 20-30 minutes for his service so that I can open a savings account and close my savings account at the same time I began to leave and me and the branch manager began to have heated discords back and forth with her being sarcastic and nasty and telling me to leave and when I asked who she was she just slammed her business card under the window at me and said what time the branch manager Etc the security guard began to in a threatening way hold her hand on her firearm as if that was supposed to provoke me to leave the building faster and which I told her that I was not scared of a XXXX all the cuz she had a XXXX she's not the only one with XXXX and things like that and I left with the same that actions like that is how people get shot XXXX Branch I've ever went to I went to another Branch immediately after and inform them of what happened and at first it was no problem with me opening my account and getting my funds for savings account and then after that I got a call some evening by some security for XXXX telling me that the bank was going to be closing my account because of the comments I made still without addressing any of their customer service issues so that is going to be handled in court on Tuesday I've never had such a nasty unprofessional unethical XXXX ran building Bank in my life one branch and BMO is siding with his XXXX employees as if I'm the villain in this and I did something wrong XXXX ridiculous
Product: Debt collection

IC System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time complaining about this debt that I do not OWE! I had an unverified debt from RECEIVABLES PERFORMANCE MANAGEMENT LLC ( XXXX ). FIRST UP... THIS ACCOUNT WAS ON A BUSINESS ACCOUNT THAT IS WITH AN LLC AND I DO NOT HAVE ANY PERSONAL ACCOUNTS IN MY NAME THE COMPANY IS XXXX XXXX XXXX XXXX. SECOND IT WAS A FRAUDULENT CHARGE THAT WAS BILLED TO THE COMPANY WITHOUT ANY verifiable ITEMIZED SERVICES OF PURCHASES/SALES ETC. UPON THE DISCOVERY OF THE ACCOUNTING ERROR I REQUESTED PROOF OF ANY ADDITIONAL TRANSACTIONS XXXX COULD NOT FIND ANY BILL OR REASON FOR THE RANDOM CHARGE OF {$370.00}. XXXX XXXX XXXX  MADE A REQUEST TO REFUND THE CHARGE BUT XXXX CHARGE NOT FIND THE RECORDS OF THE TRANSACTIONS. THAT CHARGE WAS THEN RESERVED OFF OF MY ACCOUNT WITH XXXX
Product: Mortgage

Commerce Home mortgage wholesale approved a Home loan ( from the underwriter XXXX ) for me. 

The account representative XXXX XXXX intervened and decided that he did not like the loan based on his personal reasons. And he declined it. He is not the underwriter. 

Multiple times the loan was approved. The title company was notified. 

I have lost the deposit of {$5000.00}. 
Reports {$1000.00} Appraisals {$800.00} I have had a home owners policy in force as a condition that was cleared since XX/XX/XXXX. 

There is no longer any communication with XXXX XXXX. The owners at commerce mortgage will not respond to any inquiries. 

XXXX reviews confirm this is more common than not with this organization. 

They put forth I had a loan. I did not seek any other advice due to their commitment. 

I am now outside of closing dates. No one in the UNITED STATES OF AMERICA should be treated like this group does to citizens.
Product: Credit reporting or other personal consumer reports

I have my ex boyfriend that basically ruined my life in a lot of ways, now I am seeing that he also used my credit and I have stuff on my credit that isn't mine. I want that stuff to be off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions.