23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my third complaint. Keep your home CA ( KYHC ) is assisting me by paying {$3000.00} towards my payment. Their portion arrives towards the end of the month and my portion is due on XX/XX/XXXX. My XX/XX/XXXX was paid on XX/XX/XXXX. On XX/XX/XXXX I had to follow up since my payment was still showing as unapplied. XXXX XXXX, employee of Nationstar replied on both prior complaints therefore I reached out to her via email about the payment not even being applied yet. She responded on XX/XX/XXXX that I should see it updated in 48 hours. It was not applied so called and voicemail indicated she was out of the office until XX/XX/XXXX. I called their customer service, which never can do anything but open a " request '' to have my payment applied. On XX/XX/XXXX, I received a response from XXXX state that the payment has now been applied and that KYHC is not requiring the payment to be posted on XX/XX/XXXX. Frustrated, I looked up my payment activity and confirmed the payment had been applied as of XX/XX/XXXX. I then responded to XXXX to indicate, I have never said that this was a KYHC law but part of the CFR that payments should be applied timely. It seems because I am receiving government assistance that I am not treated fairly. I have to notify them each month that payments are all in so that someone can manually post them to my loan and almost each time, they are not back dated to the date the entire payment was received. Please note, I understand it takes time to put the payments together and apply but if it takes them over 3 weeks, just post it with the correct effective date when the entire payment was received. <P/>Today, I received a call from KYHC that they were requested by Nationstar to tell me it was not their requirement to back date payments. They also told me that Nationstar does n't have the ability to back date or it takes extra steps. I apologized to KYHC as this has nothing to do with them and asked her to please notify Nationstar to explain " why '' they are refusing to be compliant with the reg and not posting my payment as of the date it was received to the CFPB. The ongoing excuse is we are not reporting you as late or charging you late charges etc. I in fact do receive late notices which in turn I have to contact them to fix the payment each month if I fail to notify them that the payment has been received by them. <P/>Last complaint was responded to on XX/XX/XXXX indicating that it was error and it was corrected. <P/>Prior compliant was XX/XX/XXXX and all prior errors were corrected. As previously stated I still had to contact, XXXX XXXX to notify her the payments were made and she would follow up to ensure they were applied and backdated. XXXX continued this for about a year until the Hardest Hit Department started to refuse to fix the payments in XX/XX/XXXX which lead to my second complaint. Despite no late charges this year, there was one last year which they finally reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already made a formal request to the credit bureaus to block or remove all erroneous and fraudulent information. However, the request was never granted, and no comment was ever provided by the agencies involved. Now, I'd like to ask for your assistance in order to get rid of these items and make the credit bureaus inform me about the issue. Here are the issues that concern me : XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please XXXX it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
* Please add a XXXX Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

XXXX  ACCOUNT NUMBERs :  XXXX  AND  XXXX   XXXX / XXXX / XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , GA  XXXX  PHONE :  XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (   1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A   ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious   XXXX     XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District  Court for the  XXXX   District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Debt collection

I have been disputing this account and asking the company ( MACYS ) to provide verification that this debt belongs to me for over a year. This account is showing as a duplicate on my credit reports and has also been disputed with the credit bureaus multiple times. The last dispute was sent to fax number XXXX and by certified mail on XX/XX/2016. The company states they did n't receive it until XX/XX/XXXX. When I contacted the company the representatives that I have spoken with seem confused themselves and do n't understand why the account is still pending review status. I was told that I should contact XXXX and when I spoke to this agency they do not have an account in my name. I also was advised to submit another dispute to XXXX.
Product: Credit card or prepaid card

I used my debt card in a atm an it didnt give me my money or a receipt they keep denying my clam without an investigation
Product: Credit card

On XX/XX/year> I paid off the full balance of my account and closed the account. I received a letter dated for XX/XX/year> stating my account was closed with a {$0.00} balance. Comenity started charging late fees on my account after this full pay off and closure of the account. They charged about {$260.00} worth of fraudulent late fees on my account before sending it to collections. At this time, I have filed 2 disputes about this account. The first in XX/XX/year> wherein I stated the account balance was incorrect as I had paid off the balance entirely in XXXX. This dispute was not settled in my favor as Comenity submitted a fraudulent ledger that had a {$5.00} charge following the closure of the account. Comenity failed to send billing statements to me until they had charged me 3 months worth of late fees on top of this fraudulent {$5.00} charge. Recently I filed another dispute against the company and it was not resolved properly. The comment closed by client was removed rather than the inaccurate charged off comments. While Comenity did charge off a debt and sell it to a collections agency, it was not a debt that I have ever owed them. It is my belief that Comenity charges fraudulent late fees as a means to make extra money off of their consumers. I do not believe I am the only one they have done this to and they need to have a thorough audit of their banking practices and all of their accounts.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Debt collection

XXXX has tried once before ( back in XXXX ) to get an old and closed debt from me for XXXX. The new one is from XXXX. It could be for old internet this time - but XXXX was all in one. 

Aside from this being a debt from XXXX that nobody has ever called about- it was opened for my Mom, who paid it in store and closed the account. 

They took the box- we have nothing to give them. We don't remember our XXXX account number, what method we used to pay them off - I just want them to stay out of my credit score. If they want a modem, we have a bag full of working modems their techs have left with us- they can have as many as they want if it means they quite trying to squeeze money out of me. 

Again, no form of communication - this is from them or either debt collection company they've used. Nothing written, no attempts to call.
Product: Credit reporting or other personal consumer reports

CHECK, INC. I would highly suggest you READ this entire complaint and REPLY WITHOUT A COPY AND PASTE ANSWER that you give to everyone. Also find the attached documents from my attorney.

CHECKR, INC. has been notified several times that the information they are reporting to XXXX, XXXX and XXXX is incorrect and a result of DOCUMENTED IDENTITY THEFT. 

CHECKR, INC. continues to violate FCRA 605B by ignoring disputes filed, documents provided. Due to the reporting of the errors to the respective companies, they have deactivated my accounts due to the neglect of CHECKR, INC. and its staff. 

On XX/XX/year>, I retained the law firm of XXXX XXXX XXXX to enforce the law and gets CHECKR 's attention.

It was also brought to my attention that CHECKR, INC. has a long history of violating the law, providing incorrect background checks all of which impact and cause great financial hardship for many Americans.

If the FTC Identity Theft packet continues to be rejected by CHECKR, INC. and the items on my background report are not cleared, I will have no other choice then to allow the law firm I retained to move forward with this case.

If we move forward with this case, I will be seeking damages in the amount of {$50000.00} plus all legal fees, court cost etc.

CHECKR, INC. has been sued many times for this exact issue, and would like to note have lost most of these cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Product: Debt collection

The group represented a collection agency ( of the auto finance company ). Debt was settled, I did not receive a letter indicating the debt was paid, and the original creditor indicates they have not received payment 2 months since the check cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/18, I received an alert from a credit monitoring system that I was 90 days late on my student loan serviced through Nelnet. I called and spoke with Nelnet and advised that I had spoke with a representative back in XXXX. I asked her what we could do to try and remove the 90 day late pay and she immediately jumped to defense and only told me that she could not do this and that the late pay would stay. She never offered me an investigation or even to speak with upper management and now this has totally ruined my credit because of error that they made on their part.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00} Late/Closed XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$370.00} Late/Closed Inquiry NOT Included in Dispute : XXXX  XXXX XX/XX/XXXX Negative accounts NOT Included in Dispute : XXXX BANK Account Number XXXX Open Date XX/XX/XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX : {$140.00} XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$300.00} Late/Open
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.
Product: Credit card

I am writing to formally dispute the legitimacy of an account reported under my name and held with your institution. Upon further review, I have identified substantial violations of the Truth in Lending Act ( TILA ), which require immediate rectification. The findings indicate that the account in question is fraudulent, as the fundamental obligations for clear and transparent disclosures under TILA were not fulfilled. Specifically, XXXX failed to provide the following mandatory disclosures as required by federal law under TILA : 1.Inadequate Disclosure of Terms and Conditions : The agreement associated with this account did not include complete and accurate details regarding the loans terms, including interest rates, fees, repayment schedule, and penalties. These omissions left me without a clear understanding of the financial obligations tied to this account. 2.Failure to Ensure Full Understanding and Authorization : The application process and subsequent agreement were executed without verifying my consent or ensuring my comprehension of the financial terms. There is no evidence that I authorized the opening of this account. 3.Non- Compliance with Initial Disclosure Requirements : TILA mandates that lenders provide borrowers with all required disclosures before consummation of the agreement. The absence of these disclosures violates my rights and renders the account illegitimate. Given these significant violations, I assert that this account is fraudulent. I demand immediate action to resolve this matter and restore my financial integrity. Requested Actions : Immediate Investigation : Conduct a thorough review of the account to verify its authenticity and identify where compliance with TILA failed. Account Closure and Removal : Acknowledge that the account is fraudulent and take immediate steps to close it. Ensure all references to this account are removed from your systems and any third-party reporting agencies, such as credit bureaus. Written Confirmation of Resolution : Provide me with a written acknowledgment that the account has been deemed invalid, along with confirmation that no further claims or liabilities will be associated with this fraudulent account. To assist in your investigation, I have enclosed copies of relevant documentation, including my government-issued ID and a FTC report attesting to the fraudulent nature of the account. 

XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> at XXXXXXXX XXXX I deposited a pay check for {$590.00} drawn on Chase Bank into the ATM. I do this every two weeks and my funds are usually available ; there was one other time that my funds were held up due to the numbers not being legible and me entering the amount into the ATM. 

None of my funds were made available and according to the receipt will not be available until XX/XX/year>. 

I called Chase Bank 's customer service and was told there is nothing she can do to release the funds, that they should be available Monday, XX/XX/year>. 

I had bills due yesterday and today, I had to borrow money to pay these bills to avoid late fees. One of them was my Chase credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has allowed XXXX XXXX XXXX to report an account to my credit file without my written consent which violates the FCRA law 15 USC 1681B permissible purpose. I have not given written consent to Transunion to report this account from XXXX XXXX XXXX to my credit file. This is a violation.