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

The issue is with XXXXXXXX XXXX XXXXXXXX reporting me in error XXXX days late. When in fact I made all the payments they requested. 

During the XXXX XXXX pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement. 

I called XXXXXXXX XXXX  They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the XXXX person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for 30 years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from XXXX XXXX. 

I just dont see where I went wrong. I followed their instructions to a XXXX XXXX  thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) XXXX credit report is showing that I applied to XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 I did not. XXXX did not investigate this hard inquiry. XXXX did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXX, XXXX and TransUnion are not reporting my correct address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX and TransUnion are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances
Product: Payday loan, title loan, or personal loan

I asked them who the creditor is not he alleged debt. I then commanded them to cease and desist reporting that alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On the date of XXXX a fraudulent unauthorised inquiry from Capital One had reported to my credit file along with XXXX XXXX on the date of XX/XX/2023 and then on XX/XX/2023 another Capital One inquiry had reported to my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name XXXXXXXX XXXX XXXXXXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I found out I was in debt on XXXX XXXX. I was not notified that I was debt in anyway. And it was for a service that is covered by insurance. And when the service provided occurred I was a minor ( XX/XX/2018 ). I signed no legal document that I would claim the debt. The debt was on my parents but they were having problems because insurance covers it. And they said they would take care of it and they never heard from them again. But they transferred the debt onto me on XX/XX/2018 with no one 's knowledge and no one was notified or sent anything or called about it. I found out when I was looking to see how to get my credit started on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX  XXXX XXXX. 
MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB.

I'VE ALSO NOTICED THAT THE STAUE OF LIMITATIONS IS UP N THIS ACCOUNT FOR STATE OF IOWA. 
I REACHED OUT TO THE BUREAUS AS OF XX/XX/2022 AND FOLLOWED UP ON XX/XX/2022. I HAVE NOT RECIEVED A RESPONCE OR A STATUS UPDATE BASED ON THE INFO THAT I SHARED ABOUT THE ACCOUNT.
Product: Credit reporting or other personal consumer reports

There are XXXX separate Bankruptcies on my credit reports which were added by unauthorized sources. XXXX Bankruptcies from XXXX show as dismissed & XXXX Bankruptcy form XXXX shows as XXXX. These Bankruptcy histories must be verified by the state of Utah or by all the original creditors included in them ; as stated in the fair credit reporting act. I have called the state of Utah and they have informed me that they do not report bankruptcy information to the credit bureaus. 
Therefore I have requested that these Bankruptcies shown on my credit report must be verified by all the original creditors included in the bankruptcies. If this information can not be verified by the original creditors then this information is incorrect and it needs to be removed from my credit reports right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo mortgage was paid off in XX/XX/XXXX. Yet, it reported on XXXX  behind 120 days in XX/XX/XXXXfrom XX/XX/XXXXthrough XX/XX/XXXX. This is impossible as the mortgage was already paid in full. Both XXXX and XXXX  are reporting this correctly. XXXX   is the only one not reporting correctly and I've reached out to them numerous times to correct this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is again reporting on XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and Experian in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Product: Debt collection

XXXX claims that they could not find and records of my dispute. I have complete numerous web application via XXXX Disputes and Debt Validation webpage. I will attached the latest submission to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, oig.hotline This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX Properties a XXXX or what they let happen to me at XXXX XXXX is the most XXXX sick thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their XXXX, the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX XXXX and transunion XXXX. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Three late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Debt collection

A debt collection agency has been contacting me and not proving any information about who they are and why they are calling. They used a no caller ID and failed to provided who they were representing and why they were calling. I know practice like these are illegal and it seems through a little research I was able to determine they were calling from Vance and Hoffman LLC.
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting ALL inquiries be removed XXXX 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

on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the XXXX  data breach. Its been over 45 days and i have not gotten any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open in 2019 have no knowledge of account
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with accessing my credit report. despite my best efforts, i have been unable to obtain a copy of my credit report. i would greatly appreciate it if you could provide me with a copy of my credit report or guide me through the process of obtaining it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XXXX, XXXX and XXXX ), by phone once ( early XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the XXXX XXXX and Transunion ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are now XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. These payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy in XXXX XXXX and were out XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, 4 months later, I review my updated credit report and I noticed that they update my address, but they did not remove the inaccurate addresses on the EXPERIAN and XXXX report, so I am now taking extra step because I really need these addresses to be remove off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?
Product: Mortgage

I used a forbearance from XX/XX/XXXX until XX/XX/XXXX. I completed partial claim paperwork and I began making my mortgage payments again in XX/XX/XXXX. Amerihome did not properly process my partial claim and misapplied my XXXX mortgage payment to XX/XX/XXXX causing each months payment since to be applied to the previous month. I have made no less than 100 phone calls to resolve the issue and each person I speak to does not have full access to my account information. Some agents are able to see that I made all of payments and some tell me these funds have been misapplied. I have requested my payment history which clearly documents all of my payments and where the misapplication occurred. I have spoken with several supervisors who promise to fix this issue however it has not been addressed as of XX/XX/XXXX. This is negatively affecting my credit. I can not refinance, I can not sell, I can not separate myself from Amerihome until they fix this issue and correct my credit report. I have started receiving letters threatening my right to live in my house.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car account loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.
Product: Bank account or service

My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.
Product: Credit reporting or other personal consumer reports

Voluntary repossession XX/XX/XXXX. Mercedes Benz showed the account closed since that date. With a closed balance of {$5600.00} No action or activity whatsoever by me since that date Now XX/XX/XXXX they claim the account is open and has new activity - False
Product: Credit reporting or other personal consumer reports

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. These accounts XXXX XXXX XXXX  with the account number XXXX and XXXX XXXX  account number XXXX are reporting inaccurately on EQUIFAX and XXXX These accounts was paid always on time and was never late. I am always paying on time. This should be remove on my report immediately.
Product: Debt collection

This company has been falsely reporting and hurting my credit report, numerous attempts to explain that this is not my account and they continue to false report
Product: Bank account or service

Over the past few months M & T Bank has charged me over {$6000.00} in insufficient funds fees. They continued to process ACH debits after charging me stop payment fees stating that placing a " stop payment '' is a request and not a guarantee. They will not allow me to close the account or open a new one to stop these debits while the account has a negative balance. As soon as my direct deposit credits are posted, more fees are charged and my account returns to overdrawn status. It 's a horrible cycle that is costing me and my children everything we own. I would just like the insufficient funds fees refunded so we can try to save our home and car. I 've contacted M & T over a dozen times with no resolution.
Product: Payday loan, title loan, or personal loan

In the payout of my car, previously leased, the sales taxes were included. I went to the DMV, immediately after receiving the title in the mail on XX/XX/2022. At the DMV office, I was informed by the clerical officer that I have to pay the sales taxes as the XXXX DMV received no payment from Kia Finance XXXX. 

I asked the clerical to research again because the taxes were paid to, and collected by Kia Finance XXXX  and included in the final paid out. 

After research, The DMV told me there is no evidence of the payment.

At the DMV, I had to pay the sales taxes again to get my title, and my registration card because Kia finance failed to forward the tax payment collected from me to the California DMV.

I contacted Kia finance immediately, same-day on XX/XX/2022, and the customer service create a case with the reference number XXXX, They asked me to wait for 5 days to receive an answer, I called again on XX/XX/2022, and the customer service provide no answers. 
On XX/XX/2022, I contacted Kia XXXX and received case number XXXX. 
On XX/XX/2022, I received an email from Kia XXXX to let me know that I have to contact Kia Finance to resolve this issue. 
Kia Finance is not giving me any answers.

Kia Finance has to reimburse me the tax sales fees that they collected from me and didn't pay to the DMV of the state of California.