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

XXXX of last year I used a Barclays Visa on a XXXX $ purchase Was not billed and we forgot about it. We received the bill in XXXX and paid it. Barcays credited us the late fee. But we did not know Barclays reported the 60 day past due invoice to the credit agencies. Lowering my credit. They do not take phone calls, we had to sent them a full credit record and an account of what happened. They replied saying they can not remove the late payment from my credit report. 
What has to happen to make this right?
Product: Debt collection

Several months ago in 2022. I received a notice from Americollect INC out of XXXX, Wisconsin. In this one page letter is requested payment from XXXX XXXX and said it was an attempt to collect a debt. The amount listed was incorrect because I had previously got on a monthly payment plan with XXXX and they were billing my account, so I knew instantly the amount was XXXX plus upon calling XXXX I was informed personally that they had not given my account to Americollect. I called Americollect and told them two things, I was disputed the amount and acording to XXXX they were not authorized to collect the debt. The agent informed me, which I already knew that I needed to put this in writing. I did this withing 2-3 days. I wrote Americollect and clearly stated that I was disputing the debt based on the amount and I was requesting verification of the debt. I speciallcally requested coppies of the original bill from XXXX, and I requested proof that they had a legal right to even collect the debt because XXXX was saying they had no record of my account being placed with them. I have proof of delivery from this letter that was sent to Americicollect which folloed the Fair Debt Collect Protect Act. Americollect never responded! Instead of responding they started a pattern on ongoing and persistant phone harrassment. For months and even to this day I receive at minmimum 4-5 automatic calls a day, including the weekend. I have called Americollect many times requesting the information, requesting that the harrassment stops and the harrassment continues and no proof of the debt or even their agreement from XXXX to collect this debt has been provided. I just spoke with a supossedly superviser earlier that week who stated that she " can't stop the calls '' and the only place that can provide me information about this debt is XXXX, YET Americollect has reported by to all the major credit bureaus, yet refused to comply with the federal Fair Debt Collect Act. They are blantly refusing to follow this act. I have attempted for months to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling GM Financial about this Repossessions on my credit and they keep telling me to disputed it and I do and they do nothing about it.i have called them A few dozen time about my account which is pay in full and I have paperwork stating that I have my truck and a letter from them saying it paid off they will not assist me at all. Im trying to purchase a house and this is really stopping me at this time hurting my credit score. And me and my family is suffering from this because we need this off my credit to move forward please please help us.,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX and XXXX ive sent letters to the experian, XXXX and XXXX about this fraudulent identity theft account ( XXXXXXXX XXXX, Account Number : XXXX. ) they have on my report. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and experian, XXXX XXXX XXXXXXXX failed to do anything thats against the law its been more than 45 days It has been well over 45 days since my last letter on XXXX. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could send in a fraudulent account. In my last letter I asked to see a contract with my signature as proof and they have not sent me any proof that this XXXXXXXX XXXX  Account Number : XXXX belongs to me. 

under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX XXXX XXXXXXXX any written consent to report anything on my consumer reports no consent is FRAUD. experian, XXXX and XXXX are violating my rights and committing fraud Also this XXXX XXXX account is a charge off with a balance of {$840.00}. A charge off means XXXX XXXX  has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also I respectfully Contacted XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously.
Product: Debt collection

The company is sending a harassing amount of emails to me .... 12 emails sent on XX/XX/XXXX, back to back, to my email address. I have sent the company an email informing them that I was aware of the Harrassment Laws and that 12 emails back to back is absolutely harassing.
Product: Mortgage

This is regarding the mortgage account at  CapitalOne 360  Mortgage where I have seen erroneous fees charged to the account, a payment in suspense account not being applied to anything, and utter confusion as to how this mortgage account has been handled, since the loan modification was done in   XXXX  . I have attached a detailed summary from   XXXX   to Present showing the fees/charges with no explanation as to what is being charged for. In addition, the mortgage balance has not decreased in spite of payments being made on time for the past 6 months, since the modification was completed. I am really at a loss for an explanation from  CapitalOne as to what is the status of this account and the account manager, who is listed   as a point of contact has never contacted me via phone to explain for this account. I have left several messages for her to reach out to me yet no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below XXXX. XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to XXXX5 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

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

I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters that were sent via certified mail XX/XX/2020 .It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX Self Lender Account XXXX Dispute I wrote and called to them to request a letter of deletion for my records for this account. I have checked my credit reports for all 3 bureaus and see that the derogatory information from XXXX ( XXXX XXXX XXXX  is partner for Self Lender ) for the above referenced account is still on my XXXX Credit Report. I started this self lender account to help my credit and due to an accounting error in the 1st month, every month Ive had this account opened they reported it as 30 days late. I need this entire account removed from my XXXX credit profile completely and immediately. 
Please forward the letter of deletion to me at my fax number XXXX and also mail me a hard copy. I am in the middle of a very important real estate transaction and this information is causing significant delays. 
I spoke to someone at XXXX about this issue some months ago and the information was removed from XXXX and XXXX  but not from XXXX 
XXXX XXXX XXXX failed to properly setup the automatic withdrawal to pay the monthly amount from the beginning of the process as I requested and setup.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus regarding errors on my credit report. I asked them to conduct an investigation because the information I have is different and each bureau has different information from the other ones. There are errors on several accounts and I need it fixed as soon as possible. The credit bureaus have not conducted a reasonable investigation and they have not corrected my reports. I sent them documents on two occasions and they have not complied with their duty to correct or delete incorrect information. It is costing me greatly because my scores are suffering as a result of this and I have been unable to get a response other than their generic response without them actually investigating. Seeking legal help because at this point I don't know where to turn.
Product: Credit reporting or other personal consumer reports

I filed FTC report due to inaccurate/unauthorized accounts/inquiries on my report, nobody would help me.
Product: Credit card or prepaid card

I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.
Product: Mortgage

The mortgage lender had provided an escrow analysis that we had a XXXX surplus in our escrow account, but that they were increasing our mortgage by approximately {$300.00} dollars monthly because our taxes were increasing. After contacting the mortgage company and reviewing numbers, they said our taxes were XXXX higher than they actually were. After I reviewed my property information with my school district and township ; I verified my property 's tax amount. The township and district had also made me aware that I was in default on all taxes, and that they had received no payments from my mortgage company. I then reached out again to the mortgage company and provided these amounts and also asked that they redo the escrow analysis, as well as bring the taxes up to date. This was on XX/XX/XXXX, when they claimed they were going to redo the escrow analysis and do a formal investigation with our township, and would reach back out within ten business days. They also had reviewed information with me on this call, and said that the parcel number I provided was not the parcel number that they had, so they had the wrong parcel number the entirety of our loan. They never reached back out or performed the analysis or investigation at this time. They did however pay the back taxes on XX/XX/22 in two payments : one at {$5100.00} and the other at {$2100.00}. as you can see from attached bill, they also had to pay the penalty amounts because they never made the payments- thus my taxes are even lower than the payments they made. I call back in the second week of XXXX and had to restart this process with them and ask for a new escrow analysis. When they had provided the first escrow analysis, they stated my payment and escrow account was increasing because my taxes were increasing, but I confirmed the taxes are significantly lower than they were stating. As you can see from their payment to bring us current, our annual taxes are approximately {$7300.00} annually. They were saying our taxes were {$9700.00}. They stated they would update the tax amount then run the new escrow analysis, and when they completed it they said our escrow account had a {$5900.00} shortage and rose our payment even higher. SO they increased our payment from {$2900.00} ; to then {$3200.00}, to now {$3500.00} with no increase in our taxes, and no change in mortgage or property insurance. They even display in their escrow analysis disclosure statement that our escrow payment is decreasing from {$1200.00} to {$1000.00} ; and that they corrected the taxes to show the lower amount- but somehow found that we have a {$6000.00} dollar shortage in our escrow account. I have spent countless hours on the phone with them, and at this point have no resolution. They continue to raise our mortgage without justification. And as you can see from the closing disclosure attached, the company was already taking XXXX which is more than enough to cover my taxes and homeowners insurance with plenty of money left over. My homeowners insurance plus the taxes annually comes to a total of {$9000.00}.
Product: Checking or savings account

Hello CFPB, I was reviewing my bank statements XX/XX/XXXX and found that someone had used my Chase debit card for a charge of {$370.00} at a XX/XX/XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I was in XXXX XXXX County at the time of the incident and have an affidavit from work as evidence of my location in the day time and can obtain an affidavit from my night job if need be. 
I have not used my debit card for any in-person purchases in over a month ( as my bank statement will attest to ) and I did not realize my card had been charged until I saw this fraudulent charge on my statement three days after the incident. 
The most ridiculous thing was that the card was in my possession the entire time! How could anyone have used it anyways? 
I called Chase to let them know someone had committed a fraudulent charge on my debit card, used it in XXXX County, and asked that Chase please send me a new card and reimburse me for the incident. They did so on XX/XX/XXXX. 
XXXX XXXX, XXXX my claim was reversed. When I called Chase, they said that since someone used my debit card with the chip and pin number, they recalled the reimbursement and charged my account for the amount I contested! 
I was physically present in XXXX XXXX county that day. I do not know of anyone living in XXXX XXXX, XXXX XXXX, nor have I ever traveled to that neighborhood of XXXX XXXX. I also have XXXX tags on pictures I took that night as to my location and can provide an affidavit from the two jobs I worked that day to prove that in no way could I have been present in XXXX XXXX, XXXX XXXX to spend an absurd amount of money on GAS in a XX/XX/XXXX ( XX/XX/XXXX 's don't provide gas, but that's how the charge shows up on my account! ) I even called chase claims department to determine if I could get the precise XX/XX/XXXX in XXXX XXXX where this transaction occurred and they could not determine such information from their records. All they could give me was a Terminal FIID : XXXX. I have tried to call XX/XX/XXXX customer service with no luck ( could not reach anyone ) and am very frustrated. 
Please understand I can not afford to have around {$400.00} stolen from my account. I have already tried contesting the claim twice. 
If Chase Bank does not have the security measures in place to protect me in such an event or reimburse me when there is fraudulent activity on my account, I will be switching to a different carrier. I hope you can help me as I am the victim of identity theft. 
I was notified by Chase Bank Customer Service that if I was to provide evidence of my geographical location at the time of the incident I would have my case reconsidered, so I did exactly that. I have also filed a police report on this matter. 
Looking forward to hearing from you. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. MPN does not exist for this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX  on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a disputes on my credit report. As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX and equifax to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681iXXXX, XXXX, and equifax have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.
Product: Mortgage

After receiving notice from Td Bank ( XX/XX/2020 ) that our homeowner 's insurance had lapsed, we immediately responded with the supporting documentation to dispute that claim : escrow statement showing full payment ( 12mos. ) to our insurance company, and a declaration page stating the coverage period. In the weeks to follow we made several calls to their customer service mortgage department to rectify the situation and hasten a solution ( refund ). At one point we even enlisted the aid of one of the banking center managers assuming that he would have access to the appropriate personnel! All of our efforts have been ignored. It was not possible to request the same agent when I called and each call involved retelling my story and being given the same response : " we will expedite your inquiry ''. Our account was billed an exorbitant amount, {$4200.00}, for insurance that was purchased by TD bank and they have not provided any explanation for why they claim we had no coverage. Meanwhile we were never notified that we were ( supposedly ) at risk and it was 5 months before we got any notification, and were billed well after the fact. 
The level of disregard for our concerns and consumer rights is more offensive than the incompetence of the customer services at TDbank!
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of charge-off accounts by XXXX XXXX and XXXX to the credit bureaus. The reporting of these accounts was conducted using Metro 2 compliance standards, but the information provided is incorrect and has adversely affected my credit profile.

The charge-off accounts were reported with several inaccuracies that do not adhere to the Metro 2 standards : 1. **Incorrect Account Status** : The accounts were reported with the status of " Charge-Off, '' but this status is not accurately reflected. According to Metro 2 guidelines, the " Charge-Off '' status must correctly include the last payment date, charge-off date, and the amount charged off. The information reported does not match my records or the terms of the agreement. 

2. **Payment History Discrepancies** : The reported payment history includes inaccuracies in the payment status codes. The codes do not align with my actual payment history and fail to meet Metro 2 requirements, which dictate that payment history must accurately reflect payment performance.

3. **Inaccurate Balance Information** : The balances reported for these charge-off accounts are incorrect. Metro 2 standards require that reported balances accurately reflect the outstanding debt, including any adjustments or payments. The reported balances are inflated and do not match my records.

4. **Unclear Account Ownership** : There is a lack of clarity regarding the current ownership and responsibility for the charge-offs. Metro 2 guidelines mandate that information about the accounts ownership and status must be accurate. The data provided does not clearly indicate if the account has been transferred or sold, leading to confusion about the legitimacy of the debt.

These inaccuracies constitute a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, which require that all credit reporting be accurate, complete, and verifiable. The continued presence of these erroneous charge-off accounts on my credit report is unfair and misleading, negatively impacting my credit score and financial well-being.

Thank you for your attention to this matter.