23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a credit report and my information is inaccurate and filed a police report also because my name and information was used multiple times in fraud. 

told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I have been dealing with Chase Bank about my mortgage since XX/XX/2014. I have asked for a copy of the qualifications for the cash for keys program, a copy of the qualifications for the relocation fund, a copy of the qualifications for a short sale, and a copy of the qualifications for a deed in lieu of foreclosure. Chase has repeatedly refused to help me with anything saying I do not meet the qualifications for any of these programs but they refuse to mail me a copy of the qualifications.
Product: Debt collection

I was sent a letter from IC systems on behalf of XXXX. The letter states that I owe {$46.00} for a XXXX  Lawn Plan that I never agreed to. I've never signed a contract for or agreed to XXXX services. IC systems claim that they've previously contacted me regarding this issue, however, I have never been contacted from either IC systems or XXXX in the past. My name is spelled incorrectly on the collection notice which leads me to believe that IC systems is fraudulently attempting to collect a debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the XXXX complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported and nobody takes an action with the credit reporting company or the creditor.

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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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: Payday loan, title loan, personal loan, or advance loan

i was contacted by phone in XXXX XXXX to take a XXXX loan which was used to pay off other bills. 

The monthly payment for the loan is XXXX. 

At the end of last year, I was advised by the IRS my taxes for XXXX and XXXX had not been done correctly. I will have to go on a payment plan in XXXX of XXXX to XXXX per month for 9 years to settle the balance due to the IRS. I had no idea the taxes were not done correctly. It was the fault of the tax preparer. 

The tax installment payments due are a force majeure/unforeseen event. I have asked BHG twice to revise the terms of the the loan to extend the time and lower the monthly payments to XXXX per month due to the force majeure/unforeseen event. 

BHG refuses. 

I need money to eat and therefore need the loan terms revised due to hardship. 

The loan terms are usury under the applicable Delaware law. 

XXXX per month for 7 years at an annual percentage rate of 20.99 % is usury. 

It is unconscionable that BHG refuses to revise the loan terms due to the XXXX  XXXX  event. 

I can provide documentation that supports all of the above.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information listed on my Experian credit report, as provided by your agency. I originally contacted Experian on XX/XX/XXXX to address the incorrect information detailed below. Despite the passage of time, I have not received any response or resolution from Experian. I am now seeking your assistance in rectifying these discrepancies. 
Account Details : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The reported information concerning XXXX is inaccurate. The original creditor associated with this account is XXXX XXXX XXXX XXXX, not the company indicated by your agency. I have never engaged in any contractual arrangement with this entity and have not been contacted by them. Furthermore, the reported balance of {$1400.00} is higher than my understanding of the actual amount. I hereby dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details provided for the account XXXX are also inaccurate. The true original creditor for this account is XXXX XXXX XXXX XXXX, not the entity stated by your agency. The reported balance of {$1700.00} exceeds the amount I acknowledge as owed. I challenge the accuracy of this account and insist on verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The information presented for the account XXXX necessitates further investigation. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. As a result of these disparities, I dispute the entire account and demand verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXXXXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
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
Product: Vehicle loan or lease

I have a loan through Chase for a XXXX XXXX XXXX XXXX. The car was purchased on XX/XX/XXXX. The amount due monthly is {$740.00}. Each month since the beginning of he loan I have been paying {$770.00}. Unfortunately for me, I just noticed on the statement they were applying the extra {$25.00} to interest. It says right on the bill overpymts will be applied toward principal. When I called on XX/XX/XXXX and spoke to XXXX she explained to me that Chase has no way of applying overpayments to principal when you don't use Chase bank to make the payment and they would reverse it. She also told me my XX/XX/XXXX payment was only {$650.00} but that doesn't coincide with my bank statement. I called back today XX/XX/XXXX ( because only 4 of the payments were reversed ) and spoke to XXXX and asked for a supervisor. I was transferred to XXXX ( still not a supervisor ) then I got XXXX. XXXX explained to me they have no way of reversing payments over 6 months and they fixed it by applying extra to the principal. What doesn't add up is if they fixed all the payments, why is my principal as of today the same as it was on the XX/XX/XXXX statement? 
I would like 100 % of my overpayments refunded with interest and definitely want others to be aware of the deceptive practices.
Product: Debt collection

Sunset Solutions Group has called me several times using the phone numbers XXXX, XXXX, and XXXX. When I looked up this company on the website, I discovered the Toll Free number : XXXX and the Corporate Headquarters address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  XXXX. 
I made repeated attempts to call them and tell them that they were calling the wrong number and should be looking for someone else. My phone number will be removed off their list, they told me. But I'm still getting calls. I find this so frustrating because in addition to contacting the incorrect number, people are also receiving threats from this company. In order to resolve this issue properly, kindly assist me please.
Product: Credit card

Good afternoon, My account appears closed on my credit report : Barclays bank GAP I have sent you two physical letters requesting Form 1099C, but I have not received any response, either negative or positive. 

The account has been closed since last year, and I want to use that form to file my XXXX taxes, which are only due by XX/XX/XXXX. 

I would like to know if I can access this document through you. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX XXXX my credit reports with XXXX and Equifax . The discrepancies in the reported data, as well as the unauthorized reporting of the account as a collection charge-off, indicate a violation of my privacy rights and other applicable laws. I request an immediate investigation, removal of the account, and compensation for the damages caused by these inaccuracies. 

Inaccuracies Identified 1. High Credit : XXXX : {$29000.00} Equifax : {$9500.00} 2. Account Status : Both XXXX and Equifax show the account as Collections XXXX, which constitutes a breach of privacy and a violation of my rights, as the account status was not properly communicated or authorized. 
XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Account Comments : Both bureaus indicate Charged Off Account and Account Transferred Or Sold, which is inaccurate and misleading. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violations and Impact The inconsistencies in high credit, account status, last reported date, date last active, and date of last payment across XXXX and Equifax indicate severe inaccuracies. The unauthorized reporting of the account as a collection charge-off is a breach of privacy and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This inaccurate and unauthorized reporting has caused significant harm to my credit profile and potential emotional distress. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 6. Right to Privacy : The unauthorized reporting of my account status as Collections Charge-of
f without proper communication or authorization constitutes a breach of my privacy rights.
Product: Debt collection

Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This affirm account should also be removed from XXXX.
Product: Checking or savings account

Wells Fargo bank closed my business bank account for no reason and make me wait 15 business days for refund after 15 days pass when i called making me waiting on the phone transfer to different departments for hours finally told me to make appointment to a branch after visiting the branch banker told me they cant issue refund i have to wait 90 more days and refused to refund the funds still in the account
Product: Credit card

Citizens made an unrealistic determination as to the validity of a charge without taking all the facts into account, instead relying simply on statements from the vendor which are a ) grossly inadequate, b ) in some cases illegible, and c ) in all cases inaccurate as the original transaction occurred by phone and I have the testimony of other parties who were part of the phone call who can and will verify that the vendor was clearly and repeatedly made to understand that the charge was to be a one-time charge ONLY. 
Citizens has twice broken its commitments to contact me to hear statements and proof to that effect, and so has avoided and failed at properly gathering all the pertinent facts in the matter before rendering their decision as to the validity and invalidity of the charge. 
This complaint is against Citizens Bank. I will file an additional claim if necessary against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : the offending vendor ) when and if it becomes necessary.
Product: Debt collection

On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amount of {XXXX  for the value and consideration and tender the payment for the complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument.

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited XXXX You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I also learned after the fact, that my account was closed on XX/XX/2022 due to a past due balance. I was not informed that my account would be closed, and I have been in communication with American Express informing them of the entire process. It is a violation of the Equal Credit Opportunity Act 12 CFR 202.2 ( c ) ( ii ). 

I have informed the company and gave ample time to correct the billing error and restore my account. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given the proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my American Express credit card.
Product: Credit reporting or other personal consumer reports

Recently I was looking at my credit report and was sent into a XXXX  XXXX when I saw negative accounts and inquiries being wrongly reported on my credit report. This XXXX is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.
Product: Mortgage

On Tuesday, XX/XX/2021, our attorney XXXX the first check to cover the damage sustained to our home as a result of Hurricane Ida. The check in question was received by Flagstar on Friday, XX/XX/2021, at XXXX XXXX., and was signed by XXXX XXXX. The XXXX  envelope contained a pre-paid XXXX return envelope to our attorney 's office. 
- As of to date, my insurance proceeds ( $ XXXX ) are in some type of purgatory at FlagStar 's Loss Draft Department. We have made numerous calls and emails to get a status on when our proceeds will be released from the " XX/XX/XXXX '' - Between myself and our attorneys office, we have complied with any and all request to date. BUT!! Still no insurance proceeds have been released to date. The longer this financial circle XXXX continues, the damages to our home are only getting worse. How does homeowner explain to their insurance carrier, that the home has sustained great damage as results of Flagstar 's delay? 
- As of writing this letter, I have been displaced for awhile with my husband and animals to an efficiency at the nearest hotel. I would just like to get rebuild home and get on with my life. 
- Any assistance or help your agency can offer, would greatly appreciated. 
- With kind regards, XXXX XXXX
Product: Debt collection

KIMBALL TIREY ST. JOHN # RON0****   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA 92108   XXXX   XXXX   XXXX   XXXX   The above referenced credit collector made a false report on my credit report, an d in it they claim that I owe them {$1200.00} for a debt that they are trying to collect for their client     XXXX   XXXX   XXXX  .   I lived in those apartments, and I paid all of my due rent. After I moved out they stole my deposit, and did n't return it to me. Some months later I did get a letter from  Kimball Tirey St. John in  which they claimed that I also owed {$1200.00} for cleaning of the apartment. I left the apartment in a clean condition. When I called them in order to set things right, they told me that they already reported it to the  Credit Reporting  agencies after I had a ruling against me. The thing is that I never got a Notice to  Appear  in order to contest their falce allegations. Please help me ; I am recently married, and I am trying to buy a home for my wife. I work as a   XXXX   XXXX   XXXX   XXXX   in a   XXXX   XXXX   school, and  XXXX  's false statements is affecting my ability to get a loan for a home.     Sincerely,  XXXX   XXXX   XXXX  cell
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have reached out to the company and also all 3 credit bureaus to remove these inquiries because they are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and Transunion ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. XXXX also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Product: Debt collection

Looked on my credit report and there was a line item in the derogatory section that claimed there was an unpaid debt of {$1300.00} to Zion Debt withholding. I do not owe Zion Debt withholdings anything. There has been no business with this company and no agreements have made between myself and Zion Debt withholdings
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5900.00}
Product: Mortgage

We took out a loan in XX/XX/XXXX and have paid it off many times over. Apparently Caliber Home Loans has filed the fraudulent Assignment of deed of trust attached to try to keep this loan open and foreclose on my home. We have demanded an accounting and history of loan payments and they have refused. They do not own this Loan which was bought by Fannie Mae in XX/XX/XXXX. 

We have sent them the following Qualified Written Request ( QWR ) : We would like clarification regarding the following two documents : 1. ) Evidence supporting the attached Assignment of Deed of Trust. 

2. ) An Accounting of the Loan and specifically the Post Petition payments to you. 

We will be opposing your proof of claim filed in my recent Bankruptcy. 

Thank you for your attention to this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

Over the last 2 years Ive had issues with equifax not allowing me or XXXX XXXX updating my credit report as well as score. Ive called numerous times to equifax not allowing me access. Even though I have produced numerous forms of government ID as well as passport so they could verify my identity
Product: Debt collection

Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.