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

I have made numerous attempts to reach out to XXXX XXXX  on multiple occasions : - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, XXXXXXXX XXXX has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with XXXX, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by XXXX. I solely use this account to make credit card payments for my XXXX business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to XXXX 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to XXXX multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with XXXX continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted XXXX Credit Reporting multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XX/XX/2023 at XXXX XXXX XXXX, and I encourage XXXX to review the call if necessary. Given that XXXX acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to XXXXXXXX XXXX error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX On XX/XX/2023 XXXX XXXX agreed on XX/XX/2023 that this account number is not mines.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Mortgage

CitiMortgage is sending harassing debt collection notices for a loan that was closed in 2013. In 2013 CitiMortgage agreed to a deed in lieu settlement for a loan. The agreement was finalized, agreed by both CitiMortgage 's attorneys and our attorney, and recorded in the Register of Deeds in XXXX County, NC ( where the property is located ). This closing documentation was signed by appropriate representatives from CitiMortgage. The deed in lieu contained wording that no further fees would be sought for collection upon closure. CitiMortgage then placed the property for sale. We believe CitiMortgage is pursuing us for debt/penalties incurred by them from XXXX, due to an error or oversight on their behalf that was brought to their attention by XXXX. We do not believe we should be responsible for this debt as all documentation and title were appropriate and clear at time of closure in 2013.
Product: Mortgage

I am extremely upset at the lack of communication that has gone on with this file. If you could please take a moment to review the message history. As you can see this entire time ive been given half instructions and little clarification, when I ask a question it doesn't get answered further delaying the file, I had asked at least 3 times if the XXXX and listing history we provided would suffice as the property was on the market a long time with a previous agent so it was on the market at least 7 days but with this agent and XXXX it was only 5. Never any clarification until today when a mls was requested again, corrections to documents for property address were provided several times, etc. I cant seem to get customer service to speak to me on this account either.
Product: Credit reporting or other personal consumer reports

The accout with XXXX that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been disputed.This is a violation of accurate credit reporting per US Code 1692 and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit reporting or other personal consumer reports

I feel XXXX XXXX, and XXXX by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Product: Credit card or prepaid card

I traveled to XXXX in XX/XX/2018. While there, I stayed at a few resorts that I booked through XXXX and paid for all of the lodgings with my XXXX XXXX card ending in XXXX. 

On the night of XX/XX/XXXX, I stayed at XXXX XXXX XXXX, which I booked through XXXX. From XX/XX/XXXX through XX/XX/XXXX, I stayed at XXXX XXXX XXXX XXXX XXXX. I've will attach documentation related to these stays when needed. 

On my statement, I received 2 charges ( one for {$250.00} and another for {$280.00} ) from XXXX IN XXXX XXXX XXXX. This must be the business name for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX and didn't receive a response. 

I reached out to XXXX for assistance. They were able to contact XXXX XXXX XXXX. I will attach what XXXX responded with when needed. Essentially, XXXX XXXX XXXX says these charges are not from them. 

I escalated this to Chase and provided them with everything I stated above. They escalated this to the fraud department, and the fraud department said these are valid charges. By the time I received the decision in the mail ( around XX/XX/2018 ), Chase said it was too late to continue the dispute. They said that the dispute window passed on XX/XX/2018 and they won't do anything else. I said " I'm essentially down {$250.00} now '' and they said " correct ''. 

It's clear to me that this is a double charge. Chase has dragged on this process and now it is past their " deadline ''.
Product: Credit reporting or other personal consumer reports

I called the credit bureaus, and I sent letters to them concerning the inquiries on my credit report. They kept giving me the run around teling me I need to contact the creditors. I tried contacting the creditors, but they told me I need contact the credit bureas. I tried calling the credit bureus multiple times after I sent the letters and they weren't cooperating unfortunately. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

NCB Management has attempted to put this debt as a different date as the previous creditor to make it appear on my credit report longer than what it is suppose to have been. I spoke with this company and the representative was extremely rude after some back and forth banter I hung up and decided to dispute the debt with the bureaus and they eventually removed it and then added it back closed it then opened it and now its open again stating that it was verified. 
I would like to know how this debt it being verified and they will not send me any info regarding the debt. It is {$8200.00} dollars.
Product: Mortgage

In XX/XX/XXXX I asked to come out of a mortgage deferment program with Chase, which was originally supposed to end XX/XX/XXXX. I was assured by a 'manager ' on the phone that I would be taken out of the program. At that time I paid all the deferred payments ( XX/XX/XXXX ), and have made my normal monthly payment since. The account is current and has no missed payments. 

Chase extended my deferment to XX/XX/XXXX without notifying me or any input or agreement from me. Based on my interactions with Chase, I had no idea this was done. I received no communication about it. Additionally, they have held payments I made to the mortgage as 'unapplied ' funds, resulting in me having to continually call someone to apply the payments. 

Chase confirmed by phone that I requested to be out of the program in XXXX, but it might not have been processed because their system takes a month to update. Unfortunately, they won't fix the issue or provide me anything in writing or electronically. I've been trying to refinance my mortgage to take advantage of better terms in the market, and I've been unable to do so because of their error. Every lender I've talked to won't work with me because my loan is considered 'deferred. ' This has resulted in considerable lost money ( appraisal fees for applications that go nowhere, higher mortgage payments because Chase 's error is keeping me from refinancing to better terms ) and considerable lost time ( going thru the refinance process with lenders only to have one last unresolvable underwriting issue - caused by Chase ). 

I believe Chase is doing this to intentionally make it hard for me to refinance and take my business elsewhere. I've received 0 resolution after multiple time contacting them and multiple escalations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is reporting a late for XXXX account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. XXXX/XXXX/XXXX
Product: Debt collection

On XXXX my alleged debt was consolidated into another aggregated account. The original accounts seem to have not been erased. Therefore erroneously doubling my alleged debt. Moreover I paid XXXX on that date to the Professional Claims Bureau, LLC. They admitted to me and to XXXX ( the hospital ) that pcb has my XXXX, did NOT apply it to my debt, and admittedly dont know where it went once it got to pcb. They have had months to apply my money to my debt yet they have failed to. They also have stopped answering calls.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I requested and was granted by SeedFi a payment accommodation ( deferral ) plan in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. SeedFi reported me late to the credit bureaus adversely affected my credit. SeedFi was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. SeedFi was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. SeedFi failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX I received notification that I had a 30-days late on my credit report from Citizens Bank . I called Citizens on XX/XX/XXXX and after speaking with a representative it was brought to my attention that Citizens Bank had an incorrect mailing address on my file and was sending statements to an incorrect address, they stated that it was likely an internal error from XXXX the alarm company as they do all their financing. I was informed by staff that they would update my address and clear my credit report of the 30 days late due to this error on their end. I was given a rep name and reference number ( XXXX XXXX on XX/XX/XXXX XXXX ). This correction never occurred. 

Today I received notification of another 30 days late added to my credit report from Citizens Bank. I called and spoke with a rep who informed me my account was almost 90days past due. I verified that my last payment was XX/XX/XXXX, and I informed the rep that during that last call in XXXX, I set up automatic payments. I asked the rep how could my account be behind when I signed up for automatic payments? She stated that she did not know, and I requested to speak with a manager. I waited on hold for 30 minutes and was told that a manager would call me back. 

I find it truly troubling that this company is allowed to make numerous errors in their system and penalize me by making incorrect reports to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to TransUnion about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Each company that I intend to list has submitted each account to a charge-off status. 

I will begin to submit a dispute letter to the credit bureau
Product: Credit reporting or other personal consumer reports

Hi, Each Credit agency is required to allow folks to freeze their credit reports. Experian has made it extra hard in recent years to do so without paying for or stepping thru loops. 
XXXX XXXX XXXXXXXX is supposed to make it easy and clean but after signing up, and logging into their web site it is hard to find what to do. There is a chat service that points back to above web site, and their XXXX number does not allow you to reach a live agent for this purpose. 
Finally, after finding the hidden menu, it takes you to " Experian XXXX '' which is not a free service. There is a fairly disguised hyperlink on that page that will take you to where you need to go ( it is same color and font and it becomes a hyperlink only after you mouse over it ). 
In short, the consumer is baited an misled via multiple pay services before they can access the free service that they are required to offer by law. They should be made to make this option easy and apparent to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record is reported Discharged  XXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, XXXX, and Experian. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit report.
Product: Vehicle loan or lease

I have in my possession a forensic audit of a XXXX report where the creditor ( Chase Auto ) sold my loan as a security on the secondary market and has not send me my proceeds for I'm the holder in due course per Uniform Commercial code 3-302, which I have not gave or knew as a XXXX purchaser. they are in violation of their indenture agreement, tax evasion, Securities exchange Act of 1934 and securities fraud. I have then sent the process for remedy by the Uniform Commercial Code, which have been denied.
Product: Debt collection

When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response. 
I have disputed the debt with no response I have sent letters with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a credit card a few months ago because I was trying to develop a credit history and few a positive credit lines on my report when I checked my credit report I saw a number of hard inquiries from credit card companies running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX