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

I am being reported by Caine and Weiner for an delinquent account that never was an collection. I paid the exact amount due in XX/XX/XXXX through the original Company ( XXXX XXXX  XXXX ) and I was credit reported by XXXX XXXX XXXX in XX/XX/XXXX for an amount that was MORE than what I originally owed and paid in full. Both companies have been awful with communication and didnt resolve anything within a timely manner. Its still on my credit right now and affected me negatively.
Product: Debt collection

My medical insurance handled there portion and left my account with a XXXX balance ... .my insurance was changed and then this collection company appeared on some charges I was never made aware of after the insurance took care of there responsibility.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 reporting or other personal consumer reports

I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is XXXX experianXXXX XXXXXXXX did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please
Product: Credit reporting

Inquiries were removed from my transunion credit file and added back. 
There was no 5 day notice given to me the consumer. This is a violation on FCRA Section XXXX. Inquires are as follows : 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: Money transfer, virtual currency, or money service

For months i had issues with cash app not having live support for fraudulent transactions on my cash app account. Transactions made to the wrong accounts and they had no live agents
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  XXXX  late payments both 30 days late. I have never paid my mortgage more than 30 days late, I did all trial payments on time, I have contacted   XXXX    XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
Product: Mortgage

XXXX   XXXX   sold our mortgage to MLD mortgage, and during the process of loan sale our  Home Insurance wa s due (  XXXX  ). Neither company paid our insurance from the funds which were available in escrow. Now we are receiving failure to make payment letters and potential gap in insurance letters fro m    XXXX   XXXX  .  XXXX  says MLD will not speak to them regarding our account. MLD will not release payment to  XXXX  because they claim they can not make contact with any  XXXX  employees. After numerous phone calls and emails with each company we are no closer to having this issue resolved than when we started. MLD has exceptionally poor customer service with representatives becoming belligerent with customers on the phone when all we are requesting as paying customers, is to have the company fulfill obligations for which they are being paid.
Product: Credit card or prepaid card

OnXX/XX/XXXX XXXX  notified me that someone had applied for a credit card in my name at Capital One. With XXXX XXXX   help we called Capital One to inquire and Capital One stated that an application had been applied for but the Capital One would stop processing and remove the credit check at the credit bureaus.

On XX/XX/XXXX, I received a letter from Capital One stating that I had been approved for a credit card containing a $ XXXX limit. The letter was sent to an old address in XXXX  VA, then forwarded to me. I currently live in XXXX XXXX FL. I called Capital One and was told to provide my issue in writing to them which i did.

On XX/XX/XXXX I received another letter sent to my old address from Capital One dated XX/XX/XXXX, stating that they did not see any fraud! When I called Capital One and gave the automated system my information it stated that my credit card had been approved and a card was being sent to me! I am asking Capital One to cancel this application that I did not apply for, provide me with a copy of the original application for the card and also remove the credit check they issued on my credit at the credit bureaus onXX/XX/XXXX. Attached are copies of my letters with Capital One.
Product: Credit reporting or other personal consumer reports

I am continually having problems with Equifax and my online accounts to freeze and unfreeze my reports. They have placed a freeze unauthorized that Im not able to lift in my portal. I have called several times to remove they request identification through docusign then removed the lock then replace it. XXXX are also sending letters sayings it dont seems to be me when I have all my identification documents attached. after I request disputed and are not doing my disputes investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was employed with a federal government agency ( OCC ) and had a federal government card through Citi corporate and government cards. When I left the job, I closed out eh card, including teh unpaid balance of {$83.00}. When I paid off the card and left the job, Citi closed and deleted the account to the point where they are not able to find it in their system. Citi continued to report the {$83.00} as a balance on my credit report even though is was paid off and closed. The {$83.00} has been on my credit report for nearly four years now, and is showing as seriously delinquent, which severely impacted my credit score in a negative way. 

This is of no fault of my own. I contacted citi several times about this error and because the card was deleted from their system, they are not able to locate the account so are refusing to contact credit reporting agencies about the inaccuracy. 

I would like the false information removed and my credit profile changed to show that I did not and do not have a delinquency.
Product: Credit reporting

The reason for my complaint today is because I have faxed Equifax on several occasions my drivers license and Tax returns in an attempt to Permanently remove the Extended Fraud alert on my file and to update my current addressXXXX XXXX XXXX XXXX FL XXXX. 

They claim that they have not received my fax and are asking me to re-fax the information to them. I am attaching my Tax returns to this complaint and my drivers license that shows my current address that I am wanting to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
Product: Checking or savings account

I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report today ( XX/XX/XXXX ), I found an entry from this bank listing XXXX # : XXXX / XXXX | Original Charge Off Amount : {$100.00} | Dated : XX/XX/XXXX I am not aware of said account with XXXX  and it became apparent that there was an issue with the banking systems when I tried to open an account for my small business but was unable to. I most recently tried to open an account with my family referred XXXX XXXX XXXX XXXX XXXX ) and was cancelled the following day by early warning. I disputed this reporting with CHEXSYSTEMS and requested all documentation of the accounts validity. CHEXSYSTEMS and XXXX have not responded in lieu of my request and dispute in the ownership of this account. This is not my account and is causing my the inability to fairly operate as a responsible consumer. 

I've attached a copy of my dispute letter.
Product: Credit card or prepaid card

Barclaycard has refused to resolve nearly {$3000.00} in fraudulent charges on my accounts, from XXXX and XX/XX/2022. These fraudulent charges are the result of Barclays mailing me a package of convenience checks which I did not request. These checks were subsequently stolen from my mailbox as part of an ongoing mail theft issue my neighborhood in XXXX XXXX faces. The perpetrator of the mail theft then wrote the checks to himself, to a name that is clearly not associated with me or my account in any way. 

I have spent nearly twenty hours on the phone with the fraud and investigations team at Barclaycard since XXXX when this charge originally occurred. I have made it repeatedly clear that this was fraud, and yet they have concluded that these were " valid transactions, '' leaving me liable to pay my credit card bill or face impacting my credit rating. The reporting and phone assistance process was the most infuriating and painful twenty hours of my life, fraught with hours of hold time, countless representatives who had no idea what they were talking about, reading scripts, and passing me around departments who also could not fix my issue. Ultimately, I am at a total loss, and apparently left with no choice but to pay the credit card bill that consists entirely of the fraudulent charges ( including both the original " convenience checks '' as well as the " balance transfer fees '' and " interest '' charges associated with them ).

Buyer beware - Barclaycard will NOT protect your accounts from fraudulent activity. In fact, they encourage it, by sending " convenience checks '' without any request, which can then be used by anyone to write fake checks to themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Portfolio Recovery Associates Account XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am inquiring in how to resolve a debt reporting to my credit report. The medical bill in question belongs to my son and or ex husband. My ex was the primary who carried the insurance on my son at the time. The credit report reporting the debt has ignored all attempts at communicating with them. They never answer the phone, do not return voicemails, and or emails. I have disputed on all 3 credit reports with request for this company to contact me and provide proof of debt. There is still no communication. The company in question is Wakefield and Associates. I have made complaints with the XXXX. Please direct me in how to resolve this concern I am trying to buy a house and this is a major negative affect on my credit report. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Product: Credit card

There was XXXX paypal charges put on the XXXX XXXX that were fraud. Total charges is {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed some incorrect information. Currently XXXX XXXX company is reporting wrong and inaccurate information in which I want to be removed from my credit report. I feel that this account is adversely affecting my credit report and would like to get this checked out. As of now on my Transunion report XXXX is showing an incorrect last payment date of XX/XX/2019 when XXXX  is showing the date of XX/XX/2019. XXXX  is also showing a balance while Transunion is not which of course means that the information reporting is inaccurate and needs to be removed from each credit bureau. If in fact upon your investigation you see that my statement is accurate I would like to get the account removed from my report. 


I also want to file a complaint against XXXX XXXX in regards to my student loans. They are reporting late payments to the credit bureaus when in fact all of my student loans are being deferred. I too also would like to late payments to be removed from each credit report as they are also reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another XXXX XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by LoanCare for 360 days. At this point my account with LoanCare is current.

According to LoanCare 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - LoanCare LLC reports a 90+ day delinquency to XXXX -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact LoanCare directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to LoanCare.

After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.
Product: Checking or savings account

Overdrafting information and someone hacked my account and there was nothing I could do
Product: Debt collection

My sister and I rented an apartment from XXXX, after our lease was up we attempted to get our security deposit back. 
They refused and said we owed a lot of money. I took them to court and they settled with a payment to me for {$500.00}. ( Almost all of my deposit ) Then they submitted a bill to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute for fraudulent accounts on my credit report to transunion XX/XX/2022 As of today XX/XX/2022 I have not heard anything as to what they are investigating or if they are even trying to resolve the issue. From what i understand they have up to 30 days to complete investigation and it has been 33 days as of today. This is not the first time they have done this but I have no other choice but to now submit a complaint for improper investigation into what they have reporting on my credit file. I would like for these fraudulent accounts removed form their reporting standards.This is hurting me and my family
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received a delinquency letter. I am writing to formally request a one-month hold on payments for my account # XXXX, due to unforeseen medical circumstances that have caused significant financial hardship. 

I previously informed one of your representatives over a month ago, specifically XX/XX/XXXX, however, I was able to make a payment to at least prevent a 30 day delinquency. Additionally, I advised that I was on medical leave due to testing for a nodule on my XXXX. This situation has temporarily impacted my ability to maintain regular payments. Despite providing this information, no accommodations or assistance were offered, leaving me in a vulnerable position. 

Pursuant to applicable consumer protection laws, including the Fair Credit Billing Act, I am requesting your cooperation in temporarily suspending payment requirements to allow me sufficient time to recover financially and address my medical condition. This temporary hold would provide the necessary relief to prevent further hardship while ensuring I can resume payments starting [ specific date ]. 

I value our business relationship and remain committed to fulfilling my financial obligations. Please confirm receipt of this letter and advise if any additional documentation is required to process my request. 

Thank you for your attention to this matter and your consideration of my request for temporary relief. 

Sincerely, XXXX XXXX XXXX