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

This is my FINAL attempt at resolving a serious and financially damaging issues my credit information and scores reported on my FICO 8 and others, with Experian. 
I have tried repeatedly, both with Experian directly over the phone and through faxes and emails, and have had my concerns VALIDATED numerous times and the promise to fix it with Experian employee 's but NOTHING has been done to assist me. 
I have complained to CFPB as well and that has gone unaddressed except for a lame excuse received by Experian and my next attempt at resolving my situation will be with an attorney and a lawsuit. 
I have had to put my house buying plans on indefinite hold until this gets resolved. Any losses I suffer as a result of this gross negligence on Experians part, will be addressed. 
Basically, my credit scores have tanked due to the failure of Experian to show and report FACTUAL information and all that is contained on my credit report. Credit utilization accounts for 30 % of someone 's score and mine is reported as an astounding 93 % despite having, on just the XXXX XXXX credit card alone, a credit line of {$7500.00} that only has a {$500.00} balance on it. That account is purposely being left out of the equation. Also, they are the ONLY credit bureau that is reporting 2 or 3 late payments ( depends on which time and report ) and the ONLY credit bureau still reporting 12 inquiries due to my not authorizing them except for XXXX XXXX and XXXX. 
Experian is in clear violation of the FCRA and I intend to pursue my rights legally unless these issues are addressed IMMEDIATELY since this has been an issue for MONTHS and even after the promise for resolution by Experian I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$12000.00}
Product: Debt collection

The Debt is over 10 years old. However, the collection agency is stating that I made a payment back in 2016 which they say restarted the time frame that the debt can reflect on my credit. This is definitely inaccurate information. I have requested proof of this payment on numerous occasions and have yet to receive this. The credit report has zero information on when the last payment was made.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$600.00} was taken from my cash app and that was my rent money! I called customer service just to be on hold for a whole hr with them helping figure out how and why {$600.00} was taking from my account!!
Product: Credit card or prepaid card

I had XXXX in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX for XXXX and a half weeks with my XXXXXXXX XXXX XXXX  sometime around the middle of XXXX. I still had my XXXX XXXX XXXXXXXX when I happened upon a statement that showed two separate charges on or around the same day. one was for XXXX and the other was nearing XXXX. I called Discover and tried to communicate but they weren't able to comprehend me on the phone. I waited until I got the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to call them and report fraudulent activity. I was dismayed to find out that they were saying this was a billing dispute as if I am the one who was responsible for sharing my card information. They proceeded with a billing dispute. I called the company that was listed as the vendor and asked them if they could provide me with a receipt, signature, or proof of authorization and they couldn't profer any of that information. I called them back and asked them how they got my information. They couldn't give me an answer. They did tell me that my bank disputed and that the money was sent back. However, months later Discover denied it and sent the money back to XXXX XXXX which I have no affiliation. I then spoke to someone who told me that this should have been a fraudulent charge dispute. They moved it to the fraud department and canceled my card. I once again communicated with XXXX XXXX and asked them if they could talk to Discover who is withholding my money. They said they were going to do their best to get me my money back. They sent me pictures of statements stating that they no longer have that money and that it was sent back to Discover. They also sent me an email stating that their accounting department tried their best to get in contact with Discover but they haven't responded to them about tracking those funds. This has been extremely stressful to have had to deal with this issue for over XXXX yrs while I heal from XXXX XXXXXXXX that was needed after being XXXX  by my XXXX XXXX XXXXr which left me XXXX. I have provided numerous documents and even tried to fax more documentation however their fraud department fax machine hasn't been accepting faxes and has been offline for weeks. I had someone tell me that they were going to call me back once the fax machine is up and running and no one has. This should have been resolved years ago. Aside from that their lack of respect and candor when on the phone with me has added to my stress. They are impatient and sometimes rude, I have been hung up on. There have been a few helpful customer service reps but most of them give me the wrong information. I had someone tell me last week that the money was never credited to the right account and I should have my money by now. Another person stated that my account reflects that I was given the money back. All to have someone most recently tell me that they denied my dispute because they can't understand the emails that were sent to them from XXXX where my card was charged even though I always have my card on my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX and that should and would be the only place I would have on my credit.
Product: Checking or savings account

Wells Fargo has a {$10.00} fee associated with a checking account. Per Wells Fargo policy, to have this fee waived the account holder needs to have a daily balance of {$500.00} or a minimum monthly direct deposit of {$500.00}. 

Well I'm an independent contractor working for XXXXXXXX XXXX  direct deposits my weekly reserve ending balances every Tuesday. So ... whatever is in my account by Monday XXXXam, it's then direct deposited into my Wells Fargo Account available Tuesday. Well... luckily XXXX has a feature where I can pay myself beforehand. I can choose to pay myself daily or when I need money for expenses. My direct deposits, meaning one institution sends money from another, directly deposited into my account, are well over $ 500 monthly. Why does Well Fargo continue to charge {$10.00} when one of the requirements are met? Just because I chose not wait until Tuesday, and pay myself, should not be not recognized as a direct deposit.
Product: Credit reporting or other personal consumer reports

Under 15 USC1692G Everything being reporting on these companies is incorrect and I am demanding they must removed. I have disputed these accounts multiple times and I have Never received any validation on any of them. I also noticed the dates on all debts states last payments were on XXXX  yet XXXX and Transunion have not removed them from my account. I also observed that all the accounts have been sold to another lender therefore I no longer owe this debt to any of these accounts and must be removed by FCRA laws. XXXX XXXX accounts to include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed as well. XXXX XXXX. Please remove. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bank remove. all of these accounts have not been removed from credit report as requested. XXXX AND transunion have failed to do their jobs. And mostly all say last payment XXXX it has been over 7 years old and never validated all sold debt to another lender. These accounts SHOULD NOT BE ON MY CREDIT REPORT. REMOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Debt collection

I am writing to report a potential case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions
Product: Debt collection

This debt is ov er 7 years old and i m still having problems with this company damaging my credit. This company chages there name everytime i dispute negative information on this company. the bureause will remove the item but this company vwill comeback as a new company and report negative things on my year,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX XXXXXXXX : no account number shown on the credit report 4. Capital One
Product: Mortgage

in XXXX before changes in my insurance and tax info was available to either Carrington or myself Carrington increased by monthly escrow and therefore my monthly mortgage payments by more than {$300.00} per month. However my taxes and insurance have only increased by a much smaller amount than this increase. I complained to Carrington and then to the XXXX  the XXXX  replied that the increase was justified. The response from Carrington was that under federal law they were permitted to to take the action they took and sent a thoroughly confusing and very difficult to understand. Previously a couple years ago Carrington did the same thing, and the current increase is over the first increase. They sent me offers to renew my mortgage at a higher rate of interest, and it looks as if this is remorse because I still have the original low rate of interest on my mortgage from when the mortgage was first negotiated with XXXX XXXX XXXX.IN XXXX My monthly mortgage payment was XXXX, then in XXXX it slightly increased to {$1100.00}, and the new rate I started paying that I was suddenly charged is {$1400.00} XXXX  The current Annual premum from XXXX XXXXXXXXXXXX XXXX XXXX  is XXXX, and the Premium  for XXXX is {$760.00} ... I dont have the exact figure for my taxes for the year but it is around {$750.00}. But the increase monthly in my escrow by the end of the year will exceed double the total of my total for insurance and taxes. I don't have the exact info handy for the original monthly premium that I was being charge when the Mortgage began however it was approximately {$1000.00} ..and if you need exact figures on how the mortgage plus escrow has increase I will try to find all my files and send that info to you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is ONLINE IN SV # XXXX and XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.
Product: Debt collection

I have been paying on a debt sold from XXXX XXXX XXXX XXXX, since XXXX to XXXX. I verbally agreed to make payments monthly with a XXXX XXXX around XX/XX/XXXX. To my knowledge I was never served or signed any agreements on this debt. Payments were made online. There has been XXXX communication. Website only allows you to input payment ; does not allow consumer to validate current balance. After XXXX yrs I received advertisements letters from attorneys followed by a certified notice of garnishment filed around XX/XX/XXXX about 10 days ago. Balance due XXXX. I made a small payment of {$100.00} on or about XX/XX/XXXX. As of today, the payment of XXXX has been made in full. I called to XXXX to notify them. Different avoidance tactics were used. I spoke with XXXX. I requested they send me in writing confirmation of balance. I also confirmed I had paid in full. She told me she has not received payment. The notice from court mentions 45 days to file answer. XXXX stated the garnishment has already been implemented. To date I have not been notified of such by my employer. I received in the mail today, XX/XX/XXXX a certificate of service dated XX/XX/XXXX.
Product: Mortgage

Electronic bill pay sent to XXXX XXXX XXXX  XXXX LoanCare LLC XX/XX/23 XXXX athe amount of {$2700.00} never posted to mortgage account. {$2700.00} is missing and loan servicing company, " LoanCare '' continues to string me along with requets for documentation I nor my bank, XXXX XXXX  XXXX, have been able to work with : LoanCare '' to find the lost funds and send back to checking acct. 

I even went so far as to set up a conference phone call with a manger from XXXX XXXX  and LoanCare. The manager at XXXX XXXX  could not even understand what LoanCare needed to find my funds and return to my checking acct. 

LoanCare recently purchased my mortage from another lender. This was the first payment made to this company. They have done nothing to assist. They continue to throw out roadblocks that I try to jump over to get my {$2700.00} back. No luck to this point. 

Meanwhile, i'm losing interest on the lost {$2700.00} every day. I have a XXXX savings acct where I hold funds until needed to pay bills. Interest rate is 5 %. 

A XXXX  search proves many more folks having similar problems. This mortgage servicing company is not customer friendly and has problems with lost payments. 

As I write this complaint, I have {$2700.00} sitting in limbo somewhere within LoanCare 's coffers not applied to my account. 

Please help. XXXX has been fine and has tried to work with LoanCare. LoanCare does not seem to want to work this problem out. Continue to ask for documentation I or XXXX XXXX  can not provide. 

Please Help! {$2700.00} is a lot of money just sitting lost somewhere with no one behind me to help find the funds and push back into my checking acct.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : 1. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. This continuous reporting is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company, as indicated by the comments on my credit report ( " Purchased by another lender '' ). The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA.

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information.

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus.

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, I requested some information regarding a hospital bill that was sent to collections. I explained to the representative the issue I had. She was very rude, she refused to listen to what my issue was. She was screaming at me in a such of angry manner like I did something very wrong or something like that. I told her that all I asked was for some information regarding my bill. She kept screaming at me with such of hate, to the point that I had to hangup the call. 

This was for SCSI State collection Services inc. 

Phone number : XXXX It's not fair to be mistreated in a such of aggressive manner for no reason. People with no people skills should not be providing customer service.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report this morning, and I have no explanation for why. I routinely check my report, but these discrepancies are completely new. I even tried refreshing my browser in case it was a technical issue, but the inquiries stayed. I demand that my documents be reviewed promptly so I can put this stressful situation behind me for good.
Product: Debt collection

Bills is displaying on credit reports. I was not given opportunity to dispute, no validation of debt, or opportunity to identify debt as mine.
Product: Money transfer, virtual currency, or money service

I paid Guaranteed Rate the balance of my mortgage {$280000.00} and they sent it to XXXX XXXX but did not put an account # for the XXXX account it was to be put into. Now XXXX can not find the funds. I have been working with XXXX but to no avail. I have asked Guaranteed Rate for help but no one calls or emails. I just want my money back.
Product: Mortgage

I experienced hail damage to my home during a catastrophic event on XX/XX/XXXX. I filed a claim with my insurance company and they promptly sent out an adjuster to examine the damages. A settlement check in the amount of XXXX was sent to me to cover the cost of the damages. My mortgage company needed to endorse the check in order for repairs to begin. At this point I was informed that it would be a " monitored settlement '' and they would have complete control of all distribution of funds to all contractors. Furthermore, they are requiring six pieces of documentation from each contractor before they release any funds. They will only release 1/3 of the cost to any contractor to start the job and will not release any more until the job is complete and inspected by a company of their choosing. Furthermore they are going to charge me for the cost of inspection by adding it to my mortgage payment. I pay my insurance premium, I pay my mortgage yet they have total control of the repair funds and if I don't comply as they said " your home doesn't get repaired ''. I also try to work with very reputable but small businesses in my community who can not afford to wait to be paid for jobs done. Their procedures will cause them hardship and limit my ability to chose the best man for the job. It is worth noting that I did not pick this company to deal with. My mortgage was sold to them and I am thus compelled to work with them. The mortgage company is New Rez based in XXXX XXXX. Their process is too complex and restricts my rights as a consumer who has never missed a payment or shown any other signs of fiscal irresponsible behavior. I also feel that the unnecessary delay in the repair of my home may cause more damage and cause me more XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy filed on XX/XX/year>, should have been removed from my credit file for all XXXX credit bureaus because it has been over XXXX years. The inaccurate information is still being displayed on the credit file.