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

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

Sent to Goodleap CoXXXX 
XXXX  Complaint ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- My name is XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXXXXXX Veteran and I receive Social Security I had Solar Panels installed by XXXX XXXX XXXX ( XXXX ) They assigned me to GoodLeap Financial Co. 
My original Contract amount to GoodLeap was {$58.00} per month. 
Now I'm being told I have to pay a new rate without my consent : Due Date : XX/XX/2023 {$79.00} I could not find this new rate anywhere in my contract. 
I can't afford to pay this amount because of fixed income. 
Can they come to my home and remove the panels? 
I read on line that this is not a good company but I didn't have a choice because they said they were assigned by XXXX XXXX. 

Some one suggested I should file bankruptcy about this loan. 
Please let me know if this is legal
Product: Debt collection

Hello, In XXXX XXXX and American Express ' response they noted that I called in on XX/XX/XXXX, and represented myself as my father ( customer ). Here I made a call to XXXX XXXX and made a {$990.00} payment for my father 's account ( co # XXXX ). I clearly remember identifying myself as junior, and never once stated that this was my loan ; I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX called back again on XX/XX/XXXX and again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.
Product: Mortgage

During the pandemic i took advantage of the forbearance due to my husband bring out of work. The forbearance ended XX/XX/2022. I contacted Mr Cooper to discuss next steps, I agreed to have the owed amount placed at the end of the loan. I was told I'd automatically be approved and wait for the paperwork. I received the paperwork but realized it still was in my maiden name and the notary would not allow me to sign. I contacted Mr Cooper on XX/XX/2022 and started the process of changing my name. I sent all documents and was told it could take us to 30 days. I kept following up and in XXXX was told they needed additional information which I sent same day. I finally received the paperwork XX/XX/XXXX and scheduled a notary with Mr Cooper. The notary never showed up so I had the notary done in town and overnighted. I didn't sign both maiden and married name so it was rejected. New paperwork was issued and I had it signed and overnighted. This was at the end of XXXX. I've tried making payments but this whole time was told I couldn't until the paperwork was processed. Finally I spoke with XXXX XXXX who has been following up weekly. She told me she'd escalate the request and also scheduled my 4 months of payments which would make me current. The payments were supposed to be pulled by XX/XX/XXXX. I advised this was not done she stated they switched payment vendors and would make sure it was pulled. As of today no payments have been taken and my modification was rejected again even though XXXX stated there were no issues and she'd escalate to her manager. I'm not in default with no updates besides multiple reps looking into it. I have the funds to cover XXXX through XXXX but Mr Cooper has not taken the payments even though I have the email confirmations and my loan modification still isn't completed. I'm sure I'll be contacting about foreclose proceedings soon and don't know what to do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to address discrepancies I have identified on my credit report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate report. Please investigate the following accounts and provide supporting documentation : - XXXX  ( XXXX XXXX XXXX  ) - XXXX  ( XXXX XXXX XXXX  ) If the information can not be verified within 30 days, I request that these accounts be removed from my credit report. 

Please send the results of your investigation to me via email. For verification purposes, I have included a copy of my passport. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiries : XXXX XXXX XXXX  XXXX2024 XXXX via XXXX XXXX XXXX2024XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for the optional loss and damage liability waiver which covers damage due to natural disasters. I called because my lease ( a XXXX XXXX was damaged due to a power surge ) from a severe storm. It's clearly covered in the contract but when I called I was told that I needed to bring it to a local company to have it examined and get an estimate for repairs. In my contract it doesn't state anywhere that I don't have to bring my items for estimates ( which will cost money ). My husband is an it professional and does know how to tell when a XXXX XXXX is bad as well. I offered to send the item to them to evaluate because you can't take pictures of a power surge but they said that would count as a return. So it was a lot of run around :
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all XXXX of my credit reports because it is reporting inaccurate information and violating the XXXX. 
All XXXX Credit Bureaus are reporting that I was XXXX days late in XX/XX/XXXX, then you reported again that I was XXXX days late in XX/XX/XXXX. They then reported that I was XXXX days late in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. How is this so? I can not be XXXX days late for XXXX consecutive months back-to-back, then XXXX days late the month right after the previous XXXX months, and then XXXX days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Debt collection

I have told them multiple times that I do not owe them money and I did not agree for them to sell my information to a debt collector. Ive also told them to stop calling me and Ive blocked numbers because theyve called me so much and they continue to use different numbers to contact me.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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, credit repair services, or other personal consumer reports

XXXX CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. 

I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/ IN RESPONSE TO MY REQUEST XXXX DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS. 

XXXX CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS. 

ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? 

THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY
Product: Credit card

XX/XX/2024 - Someone opened a Capital One Business credit card in my name and obtained a credit report from XXXX. 
Called Capital One and alerted them to this fraud. They said they would stop the issuance of the card and send the matter to their fraud unit. They recommended I file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Checking or savings account

My Bank of America business bank account was restricted on XX/XX/year> due to their own random suspicions. I made a deposit on XX/XX/year> of {$81000.00} via check. It was placed on a hold and on the morning my funds were released my account was frozen. The check was issued via XXXX XXXX, me and my client went to a local branch and confirmed everything is fine on their end. Prior to that I called bank of america 's customer service and spoke to 7-8 different agents that couldn't do anything but subliminally accuse me of fraud. I visited the my local branch ( XXXX XXXX XXXX times and was left hanging as well. I feel like I've been robbed of almost XXXX grand!
Product: Mortgage

I have an escrow account with CMG mortgage. CMG collected money from me for my property tax and homeowners insurance premiums, then failed to pay those bills on time. CMG removed the money from my escrow account, didn't sent it to the homeowners insurance company or the county property tax collection agency, and is refusing to refund the money to my escrow account. 

HOMEOWNERS INSURANCE : CMG claims to have mailed a check on XX/XX/22 to my homeowners insurance agency. The premium was due XX/XX/22 but the company gave me an extension until XX/XX/22. CMG says that checks take 30-90 days to arrive in the mail because of " mail delays '' and said they couldn't do anything about the problem. I paid the bill out of pocket in order to avoid policy cancellation. I have repeatedly asked CMG by phone, internet message, and fax to cancel the check that they supposedly mailed on XX/XX/22 and refund the money to my account. They have been completely nonresponsive to my requests. They have confirmed to me verbally that the check they sent was never cashed, but they have taken no action to cancel the check or refund the money to my escrow account. 

PROPERTY TAX : My California property taxes were due XX/XX/XXXX. CMG didn't pay them. By refusing to pay the taxes on time, my county assessed a 10 % payment penalty on my account. I repeatedly called CMG and asked them to pay the property taxes as required, including the late fee. CMG refused to acknowledge the late fee. CMG has provided inconsistent answers on how they paid the property tax bill - sometimes they say the check is in the mail, sometimes they say the money was sent by wire, sometimes they say the check is generated by an outside agency. I don't know who to believe because CMG 's story changes every time I call. 

The county property tax agency has no record of any payments from CMG on my account. I paid my property taxes out of pocket in order to avoid more late fees, since the XXXX payment came due before CMG ever even attempted to pay the XXXX payment. 

CMG has been completely nonresponsive to my repeated phone calls, internet messages, and faxes on the subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like Barclays Bank from Delaware the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for
Product: Mortgage

My mortgage loan is with Truist. Everytime I attempt to make a payment there is always an issue with the payment process. The website never works ( at least for the past 7 months ) for payments from another bank. When I try to add a non truist account I get errors. When I try to use the app to make a payment the link to add a non truist account doesn't work. It's almost as if they're trying to force their mortgage customers that don't have a checking or savings account with to open an account with Truist. The reason I say that is because the link to open new accounts works just fine. I resorted to paying over the phone through they're automated system and now that doesn't even work.
Product: Checking or savings account

Hello my name is XXXX XXXX I went back to my bank with some papers and I get back my account to reopen so I would like for my invest account to be unlock so I can make back the withdrawal back to my account. The bank says they cant return it from their side because it pass 90 days so I would have to do it from this side so I would like for my Groundfloor invest account to be unlock so I can make back the withdrawal back to me original XXXX XXXX XXXXXXXX account ending XXXX.
Product: Checking or savings account

The man " XXXX '' took {$2000.00} recurring weekly via XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I didn't notice until a couple months later as I was graduating from college and preparing to move home. When I saw it I filed a claim as soon as possible with Chase Bank. I don't even know this man and so I tried to track him down, but apparently he moved to XXXX to evade a warrant for arrest for a DUI! He is a horrible person and the bank wouldn't reverse the payments to give my money back because it is on XXXX. I am homeless  and angry since I graduated and don't know what else I'm supposed to do. I hate this system!
Product: Credit card or prepaid card

On XX/XX/XXXX I started receiving emails that a purchase was made using my JcPenney card. I immediately called and was told there was nothing they could do while they were pending. I was then transferred to fraud and they closed the card and said they would check the transactions once they posted. I ended up receiving a letter a few weeks later that said they were just authorizations but nothing posted which was incorrect. Once of the pending transactions ended of posting for {$54.00}. 
I then called back on or around XX/XX/XXXX to asked about the transaction. The offshore fraud agent I spoke to told me I was wrong and that I did the transaction and there was nothing fraud. He told me the amount owed had just been transferred from another closed card with JcPenney. I continued to explain to him what happened and that I wanted the dispute reopened or I wanted to file a dispute on the {$54.00}. He kept trying to transfer me to customer service and I told him there was no point and that I wanted to file a fraud dispute. He mumbled something and told me fine he would close the card. He did whatever he did in their system and told me it was filed. On XX/XX/XXXX I received a letter stating they closed my card, issued a new one, temporarily credited the disputed amount ( they never provided any provisional credit at all ), and notified major credit bureaus ( which they did not do either ). 
I waited until XX/XX/XXXX and reached out via message on their website to inquire about the case and said my next step was to file a complaint. Instead of helping me they just forwarded my case to the office of the president or their corporate office. 10 days later, XX/XX/XXXX, I received a call from someone named XXXX XXXX who said she was handling my case. She told me she had all the info and was going to get it taken care of. I asked about the charge and it making the account past due and credit. She said once it was completed, they would take care of all that. 
I have not heard a word back since that call. On XX/XX/XXXX, I called XXXX XXXX at the number she provided to me which is XXXX XXXX. I left a message asking for an update. As of today, XX/XX/XXXX I have not gotten a response. Due to the carelessness of the previous agents that I spoke to and now by XXXX XXXX, my account is showing past due 60 days, was reported to all 3 credit bureaus as past due and dropped my credit score over XXXX points. This negligence is unacceptable. They never followed through with one thing they were going to do and have now caused problems with my livelihood, my finances and my reputation. This card did not have a balance other than the fraudulent charge and had they provided provisional credit as stated, this would have never shown past due and would have never been reported to credit bureaus. On the message I left for XXXX XXXX, I asked that all fees on the account be reversed immediately, provisional credit be issued and all notifications to credit bureaus be rescinded immediately. None of this has been done. I want this charge reversed, all negatives sent to credit bureaus removed immediately and the card closed.
Product: Credit card or prepaid card

I opened a charge account through Slate Chase Bank years ago ( I would guess over 7 years ago ) I became late with payments and was contacted by collections regarding the closure of my account and setting up arrangements to avoid legal action by phone or threatened to take me to court. The balance was under {$2000.00} I believe possibly less, it was not extremely high. I was told in order to stop legal action I needed to enter into a payment agreement to pay off the balance, the call was allegedly recorded. The agreement was that I set up auto monthly payments of {$39.00} to pay off the balance. Credit Account was closed and could not be used until the balance was paid in full. No interest charges were to occur because the account was closed and in collection. I agreed. Since that time I have had {$39.00} a month taken from my bank account but they have continued to charge interest every month so with the account closed all those years of payments my balance is still {$1500.00}. I have tried to call and am refused to speak to a manager, customer service says the account is closed and they will not speak to me about the account until the balance is paid in full. I think this was fraudulent collection activity at the beginning and still to this day. I would like to stop receiving bills and I believe they owe me years worth of overpayment to the original balance I paid. I have also filed a complaint with the XXXX  and the attorney Generals office today.
Product: Debt collection

I am sorry to say that I do not remember dates, amount, etc. I think I have been getting there letters for over 6 years. 2 years ago, I wrote on the letter/debt they sent me and stated that this is out of statutes of limitations. I have not received any mail from them that I know of. 
Every time I check my credit score, that Midland credit is listed. They bought the debt from who ever ( I do not remember, who it was, I apologize ) Midland keeps changing the dates of my indebtedness for their benefit. I asked my mother last week " Doesn't it seem like 6 years ago when this began? She stated yes it does. Midland states this debt is 2 years old. NO WAY! 

Like I said, I wrote back on their letter told them this was out of statutes of limitations I think they are just hanging on to it, trying whatever they do. 

2 years ago was the pandemic, I had other issues, They literally just XXXX.