23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last month a collection account from Transworld Systems showed up on my credit report. I've received no mail or phone calls from this company. I disputed it with XXXX  but never heard anything back.

Today, Transworld again reported the account to XXXX   and XXXX. I have no knowledge of this account and Transworld has never contacted me in any way, including sending a letter notifying me of their existence and therefore providing me with the opportunity to ask for verification of the debt.
Product: Debt collection

LexisNexis is reporting fraudulently reported information. They refuse to take down information regardless if it's fraudulent, and older than 8 years old and in violation of reporting negative information beyond 7 years One of mant reference # 's XXXX Case # XXXX Case # 2 -- XXXX Consumer # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

The bank denied my modification due to one missing paper had all documents summit to wellfargo for modification then they started process on foreclosure try at court could win a modification they sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : XXXX XXXX XX/XX/XXXX ; XXXX : Not Reported ; Equifax XXXX Not Reported Date of Last Activity : XXXX XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : Not Reported Date Reported : XXXX XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; XXXX : Not Reported ; Equifax : Not Reported Account Rating : Closed ( XXXX, XXXX ), Paid ( Equifax XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( XXXX, XXXX ), Open ( Equifax XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Paid ( XXXX and Equifax ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by XXXX XXXX XXXX, and Equifax . The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : XXXX, XXXX, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement. 
TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment. 
Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the corrections. 
Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Complaint Details I was told that when I got a loan modification in XXXX on my XXXXXXXX XXXX, the second loan was forgiven. 
I during that time, suffered a XXXX injury in a vehicle accident and I am now a XXXX. I am XXXX XXXX. I rely on my family for everything. 

We were contacted by XXXX  XXXX XXXX XXXX Real Time Resolutions regarding that forgiven second loan and shockingly told that it was NOT forgiven and that it must be paid! Different family members have tried to help me talk to Real Time Resolutions and I am trying to get this solved. 

I just asked again under the RESPA Qualified Written Request Section Six for loan documents on XX/XX/XXXX that I never received for over four months ( In vilation of my Federal Qualified Written Request-RESPA ) from XXXX XXXX XXXX after months of repeated written requests to Real Time Resolutions so that my family members could read and understand what happened. 

The documents ( Note and Deed of Trust ) finally were sent to me Thursday, XX/XX/XXXX by XXXX XXXX XXXX. I sent a email Monday, XX/XX/XXXX back to XXXX XXXX saying that the family would review the documents and we would be in touch with them. Suddenly, I receive a notice of FORECLOSURE from Real Time Resolutions recorded XX/XX/XXXX! Shocking and abusive. 

I was not told this might happen! What a shock! I am a nervous wreck. My mother has been hospitalized twice XXXX XXXX  XXXX from this abusive manner of communication. 

I called Real Time Resolutions and asked representative XXXX XXXX to let me speak with Supervisor XXXX XXXX because I wanted to find out why I was slammed with this unexpected Foreclosure when I had been working in GOOD FAITH to try to solve this. 
XXXX XXXX was not available and I was transferred to XXXX XXXX. When I spoke with XXXX XXXX, she said I was giving them the runaround repeatedly asking for the same documents. I told her I needed all ( Note & Deed ) of the documents ( not just some of them ) to talk with my family and I had not received all the documents until XX/XX/XXXX. 

XXXX XXXX said that I was giving them the runaround and that they could file foreclosure WHENEVER they wanted to. 
This was unkind and abusive. This is very distressing to me. I am sick as a result of this threat. 

In addition, they offered a settlement amount payoff of {$100000.00} in XXXX. I am XXXX under California State Law. I am on limited income and have no where to go. I was told this debt was eliminated when I got the modification in XXXX. 

I have been working in good faith with Real Time Resolutions and I believe I should not be subjected to this abrupt abusive treatment.

I would like to find out how RTR will change its policy to avoid future inadequate internal control failures that have resulted in my being pushed off a cliff into foreclosure. 

I told XXXX XXXX I would be asking for outside help regarding this bad treatment and a opportunity to settle my debt for {$25000.00} paid at {$500.00} per month.. If RTR can offer me payoff at {$100000.00} in XXXX is it possible to give me a discount to {$25000.00} due to these circumstances? 

CFPB please help me.
Product: Debt collection

this company Resurgent capital services report to the credit agencies on XX/XX/2018 before the 30 days opportunity for me to dispute the validity of this debt. I answer letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX, XXXX. who say they where attorneys for XXXX XXXX XXXX, and send a letter to Resurgent capital services on XX/XX/2018 see attach documents.
Product: Checking or savings account

I had a CD for about 7 years, I closed it Wednesday the XXXX and they stated it was to be 1-3 days for transfer. I only called for a status update but they refused to give any information regardless of the information I provided them because I can not remember a " special password '' I have no memory setting up.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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
Product: Credit card or prepaid card

On my XXXX statement I noticed An interest charge of {$1000.00} After checking and trying to make A payment is when I noticed this charge Called and was told my promotion ended And they added the interest without informing me My promotion was 12 months same as cash then interest on the balance going forward I was told by the gentleman I spoke with He didnt care what I was told at the beginning this is how its done He did give me a week to pay off my account This is not what I agreed to I agreed to 12 months same as cash Please help if you can
Product: Mortgage

Caliber Home Loans added a separate, completely unrelated, parcel number to my account and demands that I put into my escrow that property 's taxes, in addition my own. They have used my escrow to pay the taxes for both homes. They state that I owe over {$5600.00} for the other property. This is completely false. I noticed this two weeks  ago. 
Their tax department is " researching '' while their mortgage department has increased my monthly mortgage from about {$1200.00} to over $ 2,300/month. The tax department and the mortgage department do not communicate. 
The mortgage department is aware of the tax issues but refuses to keep my original mortgage payment active until this is resolved. I have continued to pay my regular mortgage amount. This, according to them, has put me in arrears on my mortgage payment, and they send me debt collection letters, plus their debt collectors call me several times a day. They state that I owe over {$3000.00} in unpaid mortgage bills. 
Their customer service department stated today ( XX/XX/18 ) that they will not fix my credit, which is now ruined due to their mistakes, they will not refund the added fees I have accumulated, and they refuse to remove the unpaid ( completely false ) mortgage amount from my account. 
My county 's auditor has confirmed that the parcel added to my account does not belong to me, has never been listed under my name, and they stated that my own taxes have actually decreased. 
I am currently trying to fix this issue and have done so for over two weeks. Caliber Home Loans have been less than helpful, and is, frankly, completely incompetent when it comes to this matter. 
I have contacted the XXXX, my original mortgage broker has never seen anything this messed up in her entire career ( she is currently involved ), and will contact the Texas State banking division.
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. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Product: Consumer Loan

Dear Sir, as an XXXX who legally leaves in XXXX Ohio since XXXX, I feel very frustrated today by the fact that a bank and a car dealer company, Credit Acceptance and XXXX have made me sign an agreement to finance my car. Initially, the car was around 12,000 . Because my credit was bad by then ( I was not familiar at all with the credit score in XXXX, having been here for only 2 years ), I made a deposit of XXXX XXXX Credit Acceptance financed the vehicle for me, a XXXX. I have been regularly paying XXXX $ every month for the past 2 years. When I checked with Credit acceptance how much I still owe after paying XXXX, I found that I still need to pay XXXX XXXX I realized that they made me sign an agreement to pay a total of almost 25,000 for a XXXX car initially sold for XXXX. I believe that they have abused me, and they did not treat me fairly. Banks although making profit must have a minimum of moral to avoid behaving like crooks who abuse innocent victims who are not familiar with the financial system. Please talk to Credit Acceptance, ask them how they made me sign these document and what are the criteria that made them put so high the price of an old car in spite of my effort to down deposit XXXX. My name is XXXX. my phone number is XXXX, and my e-mail adress is : XXXX. Please help me, I and my wife are making a very low salary, and are victim of a joint crooking service of XXXX XXXX in XXXX Ohio and Credit Acceptance. Thank you for contacting me as soon as possible, for more details. Thanks Good bless. Kalifa
Product: Checking or savings account

I submited a claim under the claim numebr XXXX and was approved and finalized. 
Also I opened another dispute for the same reason, same merchant and same background under the claim number XXXX and was denied. 
It doesnt have any sense to approve one and deny the second if both are from the same reason and merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer ( XXXX XXXX ) on credit report again after saying they fixed it.
Product: Credit card or prepaid card

I received a promotion offer in the mail from Capital One credit card. It states " 0 % INTRO APR ON PURCHASES AND BALANCE TRANSFERS UNTIL XX/XX/2024, with XXXX XXXX XXXX % variable APR after that. There is a 3 % fee for amounts transferred until XX/XX/2024. '' I applied using the reservation code and access code provided on the promotional offer. I was accepted and given a {$10000.00} credit limit. 
I tried to transfer the amount from a higher balance card and was told that there were no offers for transfers at this time. I spoke with customer service and they confirmed that there were no offers for balance transfers although I reminded them that this is exactly what their promotional offer stated. 
I immediately closed my account and had to be on the phone with customer service for over 30 minutes in order to receive confirmation that the account was closed. 
This is false advertisement!!!
Product: Vehicle loan or lease

I would like to publicly say that I am terribly offended by Toyota Financial throwing every misleading fact in my face. I received their recent response regarding my more recent compliant and it seems that they are A ) denying that I had any sort of problems with their electronic payment system JUST because they had no " widespread issues ''. That is awful because I ACTUALLY did have issues sending out my payment and the same error was happening on my app. I don't appreciate being quoted generic regulations and rules when I do not believe the company is being transparent with me or the CFPB. I never selected to remove my banking information and get off of autopay ... why is THAT not being investigated? i can not understand why that happened. They want to make me feel like the only responsible party but why can't they understand that electronic error can occur too. I have been a great customer and this is ridiculous. 
B ) The only calls I was getting was from their agents attempting to get me to buy a new car and telling me that with my exceptional credit history I can get a new car and not pay end-of-leasae fees and so I asked you give me time and they set me up on an extension, month to month lease ... whatever they are claiming for XXXX and XXXX was during that interim phase where I had NO CLUE what I was supposed to do because they had damaged my CREDIT. My lease contract was up so why was I not instructed and given a contract for the extension so I know what is due and when? without a contract and anything in stone Toyota can not keep throwing lies in my face. Their agents who call are so greedy and so busy trying to convince consumers to get a new car, fall under more debt and are lied to and told the sooner we decide the better for us that they actually dont care that they are single handedly DAMAGING our credit in the mean time! Is it not ironic that the months you called me to convince me to get a new car you ruined my financial life? Honestly, XXXX/XXXX  were not my fault, do not throw it on me. you say I got this call and that call but why dont you be honest and say WHY you were calling me? Not to tell me my autopay was disabled and that my payment didn't post, your company was calling me to solicit a new car. I do not understand why and how the autopay was removed and I do not understand why you won't release my calls to government agents here at CFPB?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX Account XXXX : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my credit report that I dont recognize
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

On XXXX/XXXX/XXXX I setup my account to be auto drafted half my mortgage bi weekly with Fay Servicing. The initial payment would be deducted 30 days later. On the date of the deduction XXXX XXXX/XXXX/XXXX XXXX Fay Servicing deducted a full amount which causes my acct to go into the negative. I contacted the office the same day and was told there was not a manager or supervisor to speak with me. I called again the next day and was told the same thing again. It has now been 48 hours without a resolution to the matter nor funds deposited back into my account.