23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has called mt phone within the last 90 days 422 times per my caller ID and other applications via cellphone. I explained to this collection company that this debt is unknown and I do not recognize the account from Synchrony Bank. After conducting additional research over the weekend, the account was changed four times from one store to another that I never knew existed. I have requested that this collector send it back to originator where the matter could be handled legally and send proof of any documentation that they had regarding charges and its ' original application. 

This company placed this collection on my account soon as the country went into a state of an emergency. They have called on several occasions as well where the state I live in requested all call and collection activities to cease under a mandatory mandate or moratorium. Yet alone, the debt is erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized/unrecognized inquires on my Trans Union Report that I do not recognize. I have submitted an Dispute to Trans Union But I have n't gotten a response. The inquiries in question are ; XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from 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 I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Mortgage

On XX/XX/XXXX we mailed a forbearance extension request for our CARES act XXXX XXXX mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. We called to follow up with Loan care on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. We are currently in an active CARES Act mortgage forbearance plan with LoanCare/XXXX XXXX and are requesting an extension to that forbearance. Our hardship has not been resolved. We have not received any communication regarding our multiple requests for extension. We would like to receive written notice of our mortgage forbearance extension under the CARES act.
Product: Credit card or prepaid card

I purchased my vacation from XXXX on XXXX2019 for {$3700.00} and paid in full with my Citi Simplicity Mastercard. I attempted to contace XXXX on XX/XX/XXXX and several times after through phone calls and emails. They posted a letter on their website saying they cancelled all trips ( hotels and airfare ) and wouldn't be processing any refunds and to contact your bank, which I did. I have proof that they cancelled my flights on XXXX  without my permission and refunded the money to XXXX. I also have proof that XXXX never paid my hotel. On XX/XX/XXXX I filed my dispute for services not rendered. On XX/XX/XXXX the dispute was denied because of a {$50.00} credit I had received. New amount sent and many documents as evidence in my claim. XXXX had until XX/XX/XXXX to respond. On XX/XX/XXXX they responded to Citi saying they didn't agree with the chargeback. I still haven't gotten details other than a phone call to the dispute department today. ( XX/XX/XXXX ) It is very well known what this company has done in the travel industry as well as the banks. Every other bank has seemed to have success getting their customer 's money refunded. I am a part of a closed group of over 2,000 customers that have been robbed by XXXX. Overwhelmingly XXXX has given permanent refunds. Citi has given 2, only 2 permanent refunds. Citi should be fighting and getting permanent refunds for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

See Attachments ... .There is information on my consumer report that is a result of identify theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request of the block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 


YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO ANY CONSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE.
Product: Mortgage

I have multiple 30 year loans on different properties and through different servicers. Over the course of the last several years, they 've all been transferred several times to different servicers. The worst case is when the originator transfers it to a servicer then transfers it back to themselves a few years later ( Freedom Mortgage ). 

In this last case, I had not caught that the address for the servicer changed and the old servicer stopped forwarding my payments. As a result, they returned the payment and I was charged a late fee by freedom mortgage. Had I not caught this in the first month, I would also have a late payment on my credit. 

There is something wrong here. Putting the {$100.00} late fee aside, the damage that can be done to someone 's credit over this passing back and forth of loans can be quite severe. It seems that there should be legislation that protects consumers against this. At the very least, the old servicer should continue to forward payments until they 've gotten a hold of the customer ( using all necessary means - snail mail, phone and email, they had all those on file ). 

I did n't get a single call from either Freedom or the " old '' Freedom ( their past servicer, XXXX ) and just a letter from each. Considering that this action can cause a severe amount of damage to a consumer 's credit, something needs to be done about this. 

When approaching Freedom, they did not offer to remove the late fee which leads me to believe had it been over 30 days, they would not have worked with me to remove the notice from my credit either.
Product: Debt collection

In XX/XX/XXXX I cancelled my Auto Insurance Policy with XXXX and obtained XXXX as my auto insurance holder. XXXX was notified of the cancellation and indicated no charges were pending. In XX/XX/XXXX, I became aware a collection was placed in my name through the credit reporting agencies indicating a balance of {$380.00} was owed to XXXX. The collection agency is XXXX XXXX   XXXX ( XXXX ) based in XXXX, MA. I contacted XXXX on XXXX XX/XX/XXXX and spoke with a representative who indicated if I provided proof of coverage prior to XX/XX/XXXX, the charge would be removed. XXXX provided a XXXX Page indicating auto coverage began in XX/XX/XXXX. This information was passed to XXXX who replied to me via e-mail on XXXX XX/XX/XXXX that the charge was dismissed and the collection would be removed. I noted the collection was removed in XX/XX/XXXX only to return XXXX months later. I became aware the collection had returned after seeking financing on a purchase. I contacted XXXX XXXX XXXX on XXXX XX/XX/XXXX and provided copies of the e-mail correspondence with XXXX dated on XXXX and XXXX XX/XX/XXXX. Their representative indicated the information was insufficient and requested the XXXX XXXX Page. I submitted the XXXX XXXX Page on XXXX XX/XX/XXXX. It is apparent through conversation with the XXXX representatives they did not regularly check the status of this collection to see a zero balance reported by XXXX. I initiated a conference call with XXXX and XXXX on XXXX XX/XX/XXXX to resolve the issue, but the XXXX representative and the Supervisor of that representative were resistant to make changes to the account even though overwhelming evidence was directly at their fingertips and the XXXX   representative stated no pending balance was due to XXXX.
Product: Credit card or prepaid card

I received XXXX prepaid giftcards from XXXX XXXX, with {$500.00} on each card. I have only been able to use the cards once. I can not check the gift card balance anymore on their website ( XXXX ) or via phone call. 

I have tried to use it in stores multiple times over the past XXXX  months. It has been declined every time, both in stores or via online. 

I have tried calling multiple times for customer service, and was not able to reach any available representatives. It just says that my card is invalid or card information is incorrect, despite it being the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter on XX/XX/2020 and XX/XX/2020 requesting that a 90 day late payment be removed from my XXXX Account as I was never late. The payment history shows a positive payment made the month before the 90 day late payment therefore, there is no way I could be 90 days late the next month. On XX/XX/2020 I received a letter from Experian stating that they will no longer investigate this information. How could this be when I never asked for an investigation. I simply asked that my payment history reflects accurately and to remove the negative late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/XXXX in regards to an account on my credit file named XXXX XXXX XXXXXXXX  Visa. They responded with their generic response that this item is being reported accurately. I then contacted TransUnion again on XX/XX/XXXX requesting that they re-investigate this account XXXX   XXXX XXXX XXXX as being accurate. I advised TransUnion that I had also contacted XXXX  and XXXX with regards to the same account. 

Transunion reports status as Charged Off, XXXX   reports status as Transferred, closed, XXXX   reports this item not currently reporting on the credit file. 

Transunion reports payment history as XX/XX/XXXX OK, XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX C/O, XXXX  reports payment history as XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX CLS. XXXX reports this item not currently reporting on the credit file. 


I asked TransUnion how is it that all 3 major credit bureaus are suppose to report only accurate information, that they are the only bureau that has come back stating this account is mine and reporting accurately. I advised TransUnion that I believe their information to be inaccurate. I asked TransUnion to please send me names, address and phone numbers, who they contacted at the company and copies of documents with my signature showing that I have opened this account. 

I still received the same response that they verified the information as accurate. 
So they want me to take their word for it, however they will not take mine. 

This inaccurate information is jeopardizing my chances with a company that I have applied for a job.
Product: Debt collection

On XX/XX/year> I called the company XXXX  to notify that I was going to move to a different address and I no longer needed their services. I agreed on paying my current bill on that same moment over the phone to avoid paying for a new bill cycle. The agent took my payment and send an email confirmation of my payment and service termination. I was informed everything was all set and cleared and all I had to do was return their equipment, which I did before their due date. 
On XXXX I started receiving phone calls and text messages stating that that I had a debt for which I thought were scammers because whenever I answered they would hang up on me. I contacted them ( XXXX XXXX ) and asked what was the debt about and they informed me it was a XXXX XXXX service unpaid bill. They took my complaint report and informed me to wait for a response. Now my debt has been sent to collection ( amsher collections services inc ) and reported on my credit.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with NATLCRSYS company I believe the original creditor XXXX  XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Debt collection

I just recently starting focusing on building my credit and noticed someone opened multiple accounts and I had to request new social new id card and new birth certificates I just recently moved back to XXXX XXXX XXXX as I was living in XXXX XXXX and I noticed under personal information someone manipulated several addresses and job in formation that I have since disputed I want this off my credit report asap and would like a validation letter with my signature because this is fraud at this point
Product: Debt collection

Acima Credit needs to prove that this is my account,. I have no knowledge of this account it's fraudulent. I sent a screenshot at the bottom of this account and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccurate information to credit reporting agencies after speaking with numerous of companies stating they did not verify anything or the mentioned account number is not valid they refuse to remove these inaccurate things and updates them as being valid. By not investigating just pressing a number on there end and saying its accurate after you dispute it. I have got unauthorized inquires and still they have yet to do anything about my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute with proof to have error removed from my report and its still there. Even though the company who originally caused the error sent proof that debt is not mine
Product: Mortgage

I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Account Number XXXX RESPONSE TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

For example, XXXX XXXX XXXX XX/XX/2016 {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC PRO COLLECT {$3400.00} XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on all my Equifax credit bureau must be '' Deleted '' and removed from my credit report. 

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I submitted a dispute to Transunion for a collection account from " XXXX XXXX. '' The amount was for {$3300.00}. I also submitted a complaint about XXXX XXXX to the CFPB around this same time.
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The CFPB was successful in getting the agency to remove the account from my credit file. However, the results listed in my disputes section says : " Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity. '' Obviously the account was NOT accurate and has since been removed from my report. I 'm not sure why the comments would still say the account was accurate if it was in fact removed.
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It is my understanding that comments on accounts do not affect credit scores, however, I do not want lenders / creditors that pull my report to think I am in the habit of trying to weasel my way out of paying debts I owe.
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This debt was never owed and the collection agency and original creditor know as much, hence its prompt removal from my report after my initial CFPB complaint.