23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from XXXX and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to Equifax. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against Equifax , XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed I had fraudulent activity.
Product: Credit reporting or other personal consumer reports

Equifax has violated my rights as a consumer when Equifax 's decided to reinsert an account that was deleted off of my consumer report that being a XXXX XXXX XXXX ACCT. NO XXXX Equifax failed to notify me within the time frame that is required by law.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. In light of my consumer rights being violated I request that if Equifax can not provide me with a reinsertion letter stating that this item is being reinserted ( as well as the other notification that are required by law ) in addition to a certified return receipt within the time frame allotted by law then I demand that this item be deleted immediately and permanently.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$900.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1500.00} XXXX XXXX XXXX  Opened XXXX {$2400.00} XXXX XXXX XXXX Opened XXXX {$2600.00} XXXX XXXX XXXX Opened 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX/XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

Its wrong addresses and collection that are fraud I never lived in Texas XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX/Equifax is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently read about the FTC lawsuit against Credit Karma for the misleading of credit approval odds and pre-approvals. I was also a victim of Credit Karma misleading me and informing me of outstanding approval rate with over 90 % approval odds and a {$250.00} sign up bonus. I decided to select this offer on the Credit Karma app for the XXXX XXXX XXXX. I was almost instantly denied despite Credit Karmas misleading approval rate. I have also noticed Credit Karma shows poor approval rates for the XXXX XXXX XXXX XXXX, which ironically, I already possess. Their process for determining approval rates is misleading and false advertisement. I am glad action is being taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT IL XXXX REF # XXXX and REF # XXXX REF # XXXX all bankruptcy were sent to the credit buerau for deletion.. All three credit bureau responded stated that the information was accurate. After contacting the bankruptcy court I received a letter stating that the court does NOT perform any activities with the credit bureau. Therefor the credit bureau remove all XXXX XXXX but then added one because of there illegal tacked in not performing the guidelines of the FCRA. At this time the bankruptcy are showing on my credit reports, which these creditors should be remove immediately. I have provided documentation of the deletion. 

FED LOAN SERV # XXXX Regarding these student loans account all account were deleted, even though you see deletion on the document. All three credit bureau refuse to remove all student loans that got deleted under the account number # XXXX. These account were consolidated paid off. Per the creditor they requested that the accounts were deleted as you can see. 

XXXX # XXXX as you can see bueraus are reporting this account open XX/XX/XXXX this account was open XX/XX/XXXX this account was fraud and you can see the account was deleted. This account is still showing on XXXX and XXXX the report information is wrong and also the creditor was deleted. I have enclosed the documents
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$160.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company whom I dispute the validity of the entire debt. Has sent me a letter and I dont know who it is or how they got my information. The letter they sent did not give me the option to dispute or validate the debt. I was not informed nor have I claimed any alleged debt. This company needs to provide a contract that I signed stating I owe them the debt. I have no such knowledge of any agreement neither do I know this company or how to contact them to dispute. I was not aware of no such process until I researched my rights. All of the laws that the CFPB have were violated against me by this company. I have been embarrassed and denied any type of credit and I have never even used my credit in the XXXX XXXX I have been alive. I had no idea that I owed anything because the hospital never sent me a bill so I had no knowledge of any debt. I just found out that this was on my credit how can they do this without any prior contact or any contract saying I owe them I dont even know this company. Their first time reaching out to me was a bill that is very deceptive without all the qualified information on it for me to validate. So I dispute the entire validity because I have no knowledge of what the charges are for or who the company is that is alleging this debt. I have no prior knowledge of this debt until they sent a bill for XXXX XXXX XXXX when its almost XXXX XXXX worth of debt from this unknown company as XXXX I did not get a chance to ask for any financial assistance program being that I was homeless and uninsured from XXXX until XXXX. No kind of financial assistance was provided or mentioned being that I over qualified. And they have been filling stuff on my credit report that XXXX has already paid for and that the statue of limitations has passed on I have been really offended and I am XXXX and cant financially make better moves because of this alleged debt that I have never eeen papers or information of what the services was. Being that these are all XXXX  health and one is a XXXX  attempt. This is personal information that I didnt want a third party getting access to. This is really embarrassing and wrong on every level. This hospital has not done XXXX worth of work because they sent me to crisis centers and did not have the correct expertise to even deal with a XXXX XXXX  person. This is a lot to handle and I just want the information I signed on this debt so I can verify my signature and the services fees and charges. I do not know any information on this debt that has stopped my life from moving toward in a devastating way please help me I have no voice.I have tried to handle this situation with both companies but got nowhere. Please give me a voice CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX XXXX  XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX XXXX  XXXX ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX XXXX XXXX for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.
Product: Credit card or prepaid card

I had a Chase Credit Card and made a payment on XX/XX/XXXX using my XXXX account that takes monies from my banking checking account to pay the merchants. I use this service as a security measure. On XX/XX/XXXX I had notified Chase that I had lost my card so that I could request a replacement card. I did receive a replacement card the first part of XXXX. During this time I was not aware that my XX/XX/XXXX payment was not processed as normally I do get a message from XXXX when a check is not processed. I have requested information from them on this to see what they have. I would of thought if my XX/XX/XXXX payment was not received by them I would of been contacted sooner. Today I had tried to answer a call from Chase on my mobile number and now one responded when I answered. I called back later today as I thought this was strange but might have something to do with my account. I was then transferred to customer service where I was notified on being late on the account. I was not pleased with this and then looked on my bank to see if the XX/XX/XXXX payment was cleared and I could not find any record of it clearing my account. In talking with the representatives I was not able to seek any resolution. I do not treat credit lightly as it is very important to my work. I told the representative that I would payoff the account and close it. What I find so frustrating is that I was not trying to get out of not making a payment
Product: Debt collection

On XX/XX/year> my wages began being garnished by Transworld Systems Inc. I owed {$970.00} for a debt on my XXXX XXXX XXXX. Over the next few months my checks were garnished to satisfy the debt, however, there reached a point in which I began over paying the debt. 

- XX/XX/year>, I first made contact to Transworld to inquire about why I was still paying the debt. They replied that none of my payments were applied to my account. I called ADP who has been sending Transworld the checks, and confirmed with them on the phone that they absolutely have been cashing the checks. 

XXXX 2024, XXXX  makes contact with Transworld supervisor who then provided XXXX emails to send proof of the checks a request Transworld made. XXXX sent over the copies, but Transwrld claimed they could not open them. XXXX sent me the checks to send to Transworld. 

XXXX XXXX, XXXX  Transworld confirms the receipt of the checks and that they have located the checks, however, now they claiming they need my employer to reach out to them. At this point Transworld has all they need, and confirmed they have what they need to apply my checks to the account to stop the garnishment, but they are slow walking this. 

-Now they want my payroll to call XXXX XXXX for employment verification to stop a garnishment that has been overpaid. 

-I believe they are aggressively feeding off people who do not have the means to hire an attorney and after a certain time just want to stop the garnishment so they just pay it over the phone using a debit card so now they get additional money from the cashed checks they claim they cant find, but they now get more money from a debited account. I think they have found the perfect loophole to pay themselves and pray off of people that are not fortunate to do much about it. They are stealing from me at this point and they are fraudulently claiming my employer needs to reach out to them to stop the garnishment after finding the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/OLD NAVY HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.
Product: Mortgage

My mortgage was sold to SPS from XXXX ( who I thought previously were the worst ) Since then they have redone my escrow twice in three months- last time in XXXX each time raising my escrow ( my payment has gone up XXXX dollars a month. 

They will be sending me a escrow reimbursement for over {$3000.00} dollars ( I like the fact they get to hold on to my money ) When I attempt to pay down my balance early ( paying extra every month ) they hold on to it to deduct it from my payment the following month. 

They also charge me XXXX to process my payment- everything they can do to make your life a little harder they do and take pride in doing it.
Product: Credit card or prepaid card

I have been a victim of identity theft for over the pass 6 years .. all 3 credit report have police report on file for me
Product: Credit card or prepaid card

I received a Pay Pal notification hat I had 24 hours to dispute a charge on my account for crypto urgency. I never make that kind of purchase. When call the PayPal number they try to connect me to an " All Cards '' application which do not trust.
Product: Mortgage

My mortgage company, XXXX XXXX, sold my mortgage to Valon Mortgage effective XX/XX/XXXX unbeknownst to me. In XX/XX/XXXX, I discovered this when I noticed the mortgage payment did not come out on time like it normally did and after digging, I found that this happened. 

In XX/XX/XXXX, I received a notice that my Property Taxes that were due in XX/XX/XXXX, were not paid by the mortgage company, but my escrow was continuing to grow. I immediately contacted Valon Mortgage to find out why they didn't pay and figure out what to do. They worked to pay the mortgage and accrued interest. 

My property taxes cost around $ XXXX per year. I am charged about $ XXXX in XXXX and around $ XXXX in XXXX. When receiving all paperwork for my XXXX Tax Return, the only amount I was able to claim was the $ XXXX amount, which means I am getting {$650.00} less back on my tax return. The problem with this is that the government caps your property tax allotment at $ XXXX so there is no way for me to get the refund for that. When I contacted Valon, they are refusing to reimburse me for this amount and said it will show up on my XXXX Tax form as paid in XXXX. I have reached out multiple times and they are refusing to make their error right other than paying the taxes ( with my money ) and fix the interest owed.
Product: Mortgage

We are under contract to purchase a Condo. On XXXX XXXX, XXXX we submitted a mortgage application to Citizens Bank N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX for {$190000.00}. We are putting down 20 %. To date we still have not closed. They have put all kinds of conditions on this mortgage. Our credit ratings are all in the XXXX 's and have over {$150000.00} savings in the bank. We own a rental condo in XXXX which is fully paid for and the same tenant has lived there over 10 years. Our debt is under {$15000.00} except for the home we current are living in which will be sold when we move. We have approx.. {$150000.00} equity in these XXXX current properties. We have an annual income of {$90000.00} per our XXXX federal income taxes. I work for the Town that we live in and have been there over 16 years. I have no current plans to retire anytime soon. I am in the XXXX pension and XXXX deferred Compensation programs and have been for the 16 years I have been employed by the XXXX. My husband is retired. This bank has dragged their feet and made many demands which we have meant every one. Now they have approved us for an {$80000.00}. mortgage with no explanation why. I have pressured them for an explanation and now they are saying it was because we had a loss on the XXXX condo. The loss on the condo last year was {$4300.00}. of which {$1500.00} was depreciation meaning they are denying us the full amount of the loan for a loss of {$2800.00}. This property has now been paid off per their demand so there will not be a loss on this property this year. I feel that we have been age discriminated against. They requested copies of our XXXX driver 's license so they know that I am XXXX and my husband is XXXX. We want to move into a condo because our current home is on over an acre of land and has a long driveway. I no longer want to spend my free time mowing which takes almost 3 hours a week and we have the driveway plowed but still have to shovel the sidewalk and the back deck so our small XXXX dogs can get off of the deck. If we do n't close on this property we will lose our {$10000.00} deposit and there are many other fees which we will be responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Product: Mortgage

I have been having issues with BB & T/Truist Bank claiming that I owe fees since XXXX. When asked to explain what the fees are for I was told late fees. However, there was no way to accumulate late fees in the amount of what the bank claimed I owed. When I asked for a copy of my payment history to be sent to me I would get a monthly break down of payments made. There was no explanation of fees owed in writing or over the phone. The fees were ignored most times and the fees were paid on a few occasions. Once the fees were paid the bank would immediately come back and say that I owe more fees. I received a letter dated XX/XX/XXXX from loss mitigation giving me options to bring my payments current. My mortgage payments were not delinquent and the only fees that the bank claimed I owed were the fees that they could never explain how I owed them. I contacted client advocacy to investigate these charges and received a letter dated XX/XX/XXXX. This request for unexplainable fees went on from XXXX. I sent a letter requesting correction of errors to Truist Bank. After the letter I received a refund of {$1600.00} from client services. I was harassed by BB & T/Truist bank for several years. BB & T/Truist demonstrated bad business practices and mortgage fraud. My home is in a lower income XXXX neighborhood and I believe I was being targeted on the basis of my race to get me to sell my property.