23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EQUIFAX MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EQUIFAX IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED EQUIFAX MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EQUIFAX TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I RECEIVED THE RESULTS ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE EQUIFAX DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 am disputing the accuracy of the XXXX XXXX XXXXXXXX account, as reported on my credit file. My review of this account has identified numerous compliance violations that fail to meet Metro 2 standards. Due to these unresolved and inconsistent reporting practices, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : The payment status is reported differently across the bureaus. XXXX shows Charged off as bad debt, and Experian lists Unpaid balance reported as a loss by credit grantor, while XXXX provides no clear status. These discrepancies in reporting violate Metro 2 standards, which require uniform and accurate data. 2. Erratic Reporting of Delinquency : The delinquency record varies significantly. Experian marks Charge Off ( CO ) and lists various late statuses, while XXXX reports None for the worst delinquency. Such inconsistent data fails to meet the accuracy requirements set by Metro 2 standards, compromising the integrity of this accounts reporting. 3. Discrepant 2-Year Payment History : The 2-year payment history is riddled with inconsistencies. Experian records 60-day and 90-day late payments, followed by a Charge Off status, whereas XXXX and XXXX have missing or Not Reported ( NR ) entries. This inconsistency in data reporting is non-compliant and should result in deletion if the data can not be aligned across bureaus. 4. Conflicting Last Updated Dates : The last updated date is inconsistent, with XXXX showing XX/XX/year> and Experian listing XX/XX/year>. This discrepancy further highlights the lack of uniformity and adherence to Metro 2 standards for reporting.
Product: Credit reporting or other personal consumer reports

Found some hard inquiries on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate XXXX XXXX XXXX  Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

After struggling to catch up with payments after one was paid and somehow lost through XXXX  Ally refused and disobeyed the law in regards to disclosing the process on how to file a ten day extension to recover my vehicle as required by CALIFORNIA law. I made several attempts to retrieve that info and no one would tell me and the paperwork sent said nothing of it. I am now going to loose my car because I needed the extra time. I have been in a whole ever since.
Product: Credit card or prepaid card

Company responded to complaint XXXX by providing false testimony. My complaint was that they violated the law by not providing me with my statements 21 days before the due date ... and they continue to fail to allow me to look at my statements in a timely manner. CHASE says that I have to sign a new legal agreement FIRST ( evidence was provided in my original complaint ). ... ... ..In responding to my complaint, they stated : " Based on our review, you are being required to accept the legal agreements because as of XX/XX/2020, we are reflecting that the agreement were deleted by your User ID. '' THIS IS FALSE. THEY MADE IT UP. I asked for proof of this alleged deletion, and they said they could not provide it because they deleted due to their record keeping requirements. THIS IS ALSO FALSE : Banks are required to maintain records, particularly with respect to contracts. They are require to inform me in writing of any changes to this contract. CHASE lied, both on the phone and in their written reply. What kind of obfuscated language did they use? What does " based on our review '' and " we are reflecting '' mean -- except to disguise the fact that they are making up the incident they are reporting. FRAUD ... ... ..PERJURY ... ... INTENTIONAL MISDIRECTION. Call it what you like, but it is NOT a response to my complaint.
Product: Debt collection

This company keep updating Closed on the account each month. Reporting every month like it's a new account. Making my score go down and i am trying to purchase a house. 

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

I have attached XXXX FTC reports with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong
Product: Mortgage

I have a mortgage with PHH. I escrow with them and pay my mortgage monthly. In XXXX I started getting cancel letters from the insurance company because PHH wasn't paying the insurance premium. I have called MULTIPLE times, uploaded documents to their system, sent emails, everything I could possibly do. They did nothing to fix the issue. I had to go and purchase a whole new policy on my own even though I pay them to do that. Now they are trying to hit me with a {$570.00} bill for temporary coverage for the lapse between XXXX. So not only did they leave me completely exposed to something bad happening now they want me to pay them due to their complete negligence.
Product: Credit reporting or other personal consumer reports

I've filed Identity Theft against Transunion because 3 accounts still remains as fact there is no invesigation for these or have my permission written to report so that's violated my privacy rights 3 accounts and 3 inquiries shown in the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I went to get a personal loan from XXXX XXXX  for a used vehicle they have hit my credit multiple times and mutiple dates. Here are the ones that I did not do a inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Wells Fargo credit card with 0 % intro on my balance transfers up until XX/XX/XXXX. When I looked at my statement this morning ( XX/XX/XXXX ), I saw there was interest charged to me in the amount of {$1.00}, even though I don't use this card for purchases and only for the original balance transfer offer. Contacted customer service after I looked at my last 2 statements and saw the 2- {$200.00} bank adjustments she directed me to that were put onto my account. 1 of those {$200.00} adjustments were put onto my account as a purchase instead. That customer service representative claimed that WF had a system issue that credited many accounts with too many payments so those charges were the bank 's adjustments. I confirmed my bank account was not drawn for those {$400.00} worth of payments but my issue was with how WF posted one of their adjustments to my account as a purchase and charged me interest on that transaction. Although they claim they resolved the issue on my account, I will not be able to see whether that is true for 1-2 billing cycles. This complaint is being filed on behalf of the many other customers that were affected by WF posting their bank adjustments ( to correct their overpayment error ) as purchases and are profiting through interest that should not be charged to their customers.
Product: Debt collection

I sent a letter to Wells Fargo XXXX XXXX asking Wells Fargo for debt validation of the credit card debt. I stated that if Wells Fargo could not validate the debt to delete it.The letter was mail certified mail with a return receipt. I received a letter from Wells Fargo on XXXX XXXX. After reviewing the letter I received from Wells Fargo I found several exhibits that violate my consumer rights. I have sent a Affidavit of Truth to Wells Fargo demonstrating my consumer rights that are being violated labeled Exhibit A, B, C, D, and E. I sent this letter certified mail with a return receipt. I have not received a response.
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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that XXXX XXXX XXXX. is not legally Licensed to collect debts in the state of Delaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Update : XXXX Looking at document called Amortization Schedule. I have a 1st and 2nd mortgage. As of XXXX XXXX, XXXX, the outstanding Principal Balance for my 1st mortgage is {$34000.00}, and my 2nd mortgage is {$78000.00}. The second mortgage would be silent until the house is paid off. I will be dead by then. But say the children were living in the house? Then that would be their gift from Wells Fargo Bank. This looks to me like the same {$78000.00} missing from XXXX XXXX, XXXX. XXXX XXXX and the lawyer XXXX XXXX knew they were after the money before my XXXX documents were signed. For shame. According to My Amortization, my Principal Payment is {$110.00}. I am currently paying over {$500.00}. My mortgage payment is {$740.00} per month. Wells Fargo was selling me to XXXX Mortgage Company on XXXX XXXX, XXXX with this NPV Input Data Values Document. I would have to pay that until I would finally lose my home. My total income per month is {$1200.00}. XXXX XXXX has retired from practicing law and lying in the sun somewhere. I am suffering. I do n't have enough food. I need extra health care, but ca n't get it because Wells Fargo wants a mortgage payment twice a month. If I do n't give it. They will use their power to foreclose on my house. I am learning a lot about home mortgage. As a single parent working XXXX jobs, and going to XXXX at night I never looked over my mortgage. Even when I got really sick, I always relied on the mortgage people to handle payments. I had attorney XXXX XXXX going over my paperwork. She was in XXXX and I was in XXXX. It never crossed my mind that anyone never alone her, would pull such a thing. XXXX did the Closing on this house. Oh XXXX, I do n't even know if I own it. I trusted everyone. When you get as sick as I was with children living out of the country, what do you do? Well, I got a XXXX XXXX in finding out about my mortgage. That gang-related bunch of Mortgage Preservationist over at America 's Servicing Company has made my life unbearable at many times. But I lived to see this day. 
Everything I say is right over there at A S C. Just go to the database. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. Do n't worry if you were n't mentioned here, I will later.
Product: Debt collection

I spoke with one of your agents, " XXXX XXXX '', today at XXXX XXXX EST. I called in regards to my account which I received a wage garnishment today from my employer and I was calling to make an arrangement to hopefully stop the garnishment and I asked what my options were. He stated that " your company doesn't make arrangements with garnishment accounts because you make more money by allowing the garnishment to continue and my only option was to pay the balance in full. '' I said you're kidding? I have never heard of a company speaking to a consumer in that manner. I have worked in Compliance at a collection agency for over 10 years and know that your agents can not " threaten '' consumers such as myself. I asked to speak with a manager, he said there are none, I asked to speak with an assistant manager he said there are none, I asked to be transferred to another employee and he said " you can hang up and call back ''. 

That type of customer service is astounding. In the business you all are in, you deal with consumers that are already in a difficult place and for an individual to attempt to take advantage of someone in that state is disgusting. 

Given the call experience I had with XXXX and in accordance with the FDCPA which is governed by the CFPB, I demand {$2000.00}. Due to the two violations of the act. You may contact me on my cell phone below or mailing address.
Product: Checking or savings account

My account and card blocked on XX/XX/XXXX without justifiable reasoning. I was not notified or informed this. Upon calling customer service on XX/XX/XXXX, I spoke with XXXX, and she stated I needed to provide a utility bill or lease document. At the point, I explained prior to XX/XX/XXXX before I moved, I went into the XXXX location presented my ID, changed my address, and ordered checks. At that time, no one stated something was wrong. Two months later, my account was blocked. I called the branch in XXXX where I opened the account, and XXXX XXXX told me that I would not have access to my account unless I presented those documents. He further stated a letter was mailed on XX/XX/XXXX, and I had 60 days to show proof. I came to the bank today XX/XX/XXXX, within my 60 days, and he tried to use that as an excuse, but it held no validity because I was within my 60 days. He told me to my face they were closing my account today. As of XX/XX/XXXX, my account still has not been closed. I explained that I lived with someone, and I did not have a lease or utility bill in my name. He then went on to say this was company policy that no customer could have a UPS address, but he was not able to show me this in the company policy. I also explained can you show me in writing that Regions Bank has the authority to not release any of my funds. Upon arriving at the bank in the drive through, Mr. XXXX refused to provide any company policy that states customer can not have a UPS as a valid address nor was he able to explain how the bank could hold my money without even allowing me to take what I need. XXXX XXXX also upheld these actions, and I demand that each of you be held accountable. 

I am appalled as an XXXX American educated woman, at the unethical and illegal practices of this bank. I have been denied access to my money for almost a week, and I was not allowed any access on Monday, XX/XX/XXXX when I presented my drivers license verifying my identify. Mr. XXXX refused me access to my account without any justifiable reason. I will seek legal action because no bank has the power to deny any customer access to their funds especially with a valid ID. This is unfair and unjust. I have been a customer for over four years, and I can not believe this outlandish actions. I did record the conversation for my records. Please help. 

XXXX : Regions Bank XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

We tried to use card for online purchase and card was rejected for over limit, only the purchase was for {$1800.00} and the available credit was {$2300.00} and then they restricted my account AGAIN. When I called, I was told that I needed to wait 7 to 10 days AGAIN for a specialist to call me. I have been told this multiple times before and have yet to have anyone reach out to me.