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

On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called XXXX XXXX to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my business shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the XXXX XXXX website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.
Product: Debt collection

I called collection agency  XXXX   XXXX   XXXX  spoke to  XXXX   XXXX   XXXX   XXXX   XXXX ,  I a dvised  XXXX  this was a Fraud Account that I resolved 3 year s ago with  the  XXXX  and their Attorney and I was removed from the lawsuit and I have Documentation from Court and NYS Sheriff 's Dept showing I was excluded due to the Fraud and i need it to be removed from my Credit Due to the fact i am trying to buy a home.  XXXX  proceed to threaten me saying that I am the guarantor and a judgment is against me and even if I get Attorney I still have to pay and it 's my responsibility an d Hong up on me even when I told him I had document to show that 's not true.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX that a new account had been reported on my XXXX record. XXXX XXXX asked me to verify the accuracy of the information that XXXX had reported. I signed into my XXXX XXXX account and noticed that there was a soft hit, a hard hit and an account which was not of my doing. I called the credit card issuer and spoke to a representative who informed me that the address on the credit card was not the address I had given as my address. I then immediately went online to the three major reporting agencies to alert them to fraudulent activity on my account. While on the XXXX site I filed a complaint to seek to have the fraudulent account removed from my report. According to the response that I received from XXXX, they had contacted the card issuer and determined that the account was valid and that my complaint was therefore invalid.
Product: Credit reporting or other personal consumer reports

By provisions of the Fair Credit Reporting Act, I exercised my right under the FCRA, section 609, and requested all information related to the debts listed on my credit report. I am entitled to all documents related to the item listed above. Including each original credit application and original contract containing my correct full name, address, and signature. If they can not verify all data including dates, balances, or any personal information by locating the original contract to validate a given item on my credit report the must remove the item from me report and have not done so. They have ignored my request to provide me with the original documents that they claim to used to verify my disputed account errors which means that they have NOT verified or you can not verify any account and under Section 611 ( S ) ( A ) of the FCRA-they are required to " .promptly delete all Information which can not be verified. This law is clear to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they have failed to comply with this Federal Law.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Only TransUnion is reporting the listed accounts. These accounts have multiple errors including Incorrect full name Wrong Address Wrong term Date Opened Incorrect Balance Wrong History Last Payment Made and Date Closed. 
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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX. Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A.States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a payment of {$3100.00} for the full balance of a promotional 6 month interest free offer from Home Depot. I had only missed the pay-in-full date to avoid any deferred interest by a few days. So I called and talked with a HD customer agent who agreed to waive any/all interest fees if I made a payment in full ( minus the interest charge ). That's why the payment was such a large amount.

This however, was not taken care of by Home Depot, and then additional interest charges and late fees kept accruing month after month. The late payment/delinquency has not been recorded to the credit reporting agencies and has negatively affected my credit rating.

I have spoken with numerous Home Depot and/or XXXX representatives who have assured me this would be taken care of, but as of XX/XX/31, it has not. There are numerous records on file from every conversation I've ever had with them. And every time, I was assured it'd be resolved and a letter to the credit agencies to restore my credit rating would be sent. It has not. It is now four months later and my Excellent credit rating has been dropped.

Home Depot needs to bring my account to a {$0.00} balance, restore my credit rating and offer an official apology for the amount of time and trouble I have had to endure over this issue.
Product: Credit reporting or other personal consumer reports

In XXXX  2023 my car loan with XXXX financial was sold to XXXX XXXX. In XXXX I noticed that Experian did not update any payments or transfer. Around that time I filed a dispute with Experian to get them to update the information. The results from that dispute was my account with XXXX was reported closed and my credit score dropped XXXX points some lesser. At this time I then acknowledged them of the situation and filed another dispute. When the last dispute was resolved I was unable to access the results online. They posted a number for me to contact but that number gave no options for dispute results. Since this has occurred I have been denied car loans and am unable to apply for a credit card where as Ive been in the process of bettering my credit. 
I would appreciate it if Experian corrected this misinformation and some how compensated me for the depravation of opportunity and the pursuit of happiness. For the record XXXX and XXXX had no problem with the transition and has reported everything correctly and on time. Experian after being advised of the issue has done nothing to correct it and has my credit score affected due to this neglegance
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Mortgage

To who it may concern, this complaint is due to my lender using predatory lending on me and my family during the financial collapse over 10 years ago. We qualified for a government sponsored loan modification but were forced into an in house modification. The predatory modification had a principle reduction that was forgiven by the lender. They wrote that forgiveness off, but are now demanding we pay it back when we refinance the loan. At the time they wrote it off as a loss for their company, we are also forced to count that principle reduction as income on our tax return and pay taxes on it. This was fraudulent in many levels and we feel that we should have been given a government modification instead of this predatory modification. The original lender was Ocwen Mortgage and now PHH Mortgage Services holds the loan.
Product: Checking or savings account

XX/XX/2021 the third stimulus check was deposited in to my jp Morgan chase account. I was then credited XXXX dollars from my overdraft account and was given the full XXXX dollars. XX/XX/XXXX jp Morgan chase account is now over drafted XXXX dollars and the record of the stimulus check is gone from my deposit.
Product: Debt collection

I received a " packet '' delivered to my door by a gentleman. I asked him if I was being served and he said that the only information he had was that it was from Velocity Investments. The papers resembled a court summons complete with trial number and everything. I immediately went onto my metro court website and I could not find any complaints filed against me and when searching the case number I had no results. The debt they are collecting on is past the four year statute of limitations.
Product: Credit card

Customer service representative informed me there was no way to make my statement available via us mail even via request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters to Equifax and XXXX regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back on XX/XX/XXXX I spent the better part of the day explaining to the people at One Vanilla-Prepaid Visa Card that I was the recipient of XXXX ( XXXX ) {$500.00} One Vanilla Prepaid Visa Cards as a gift. I used one of the cards in its entirety and used all but {$81.00} of the second card when I lost or misplaced the same. I looked everywhere before calling Visa. I talked several times with Visa Representatives and gave them all the appropriate information to stop any further purchases on the card. The Gift Card No. was # XXXX XXXX XXXX XXXX, XXXX XXXX, Expiration date XX/XX/XXXX. 
The Representative for Vanilla One Visa informed me that I was entitled to a new card with the remaining balance of {$81.00}. They also informed me that I needed to send a photo ID, a bill with my home address on it and anything I had related to the lost card. I sent them the photo ID & redacted bill with my address & told them I had nothing else. They told me I needed to tell them where the card was purchased. Since the card was a gift to me I did not and do not want to call the donor who gave it to me and ask her where she purchased it. They told me without that information they could not process my claim. I think this is unfair and deceptive. They know I lost the card and I have given them all information necessary to provide me with the balance owed. There has been no activity with the card since XXXX or XXXX. 
My case # is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 My friend gave Me {$60.00} with his Bank card to my Bank card. 
So on XX/XX/2019 He lost his card There for he was force To cancel his card. 
So when he cancel the card His bank took it in there on hands In took my {$60.00} off my card In that when i told my friend to Call his bank in get my refund Back.we call in  they said we will refund Me .they didn't so we wait a week In the whole month of XXXX we called every day They will say we will refund u they never did So my bank told me to rech out to you guys We have captial 1bank on record with me my friend In my bank in his bank telling my bank they are going to Refund me THEY HAVE NOT .this has now made me fall Behind in my daily bills Rent, phone, credit, food personnel stuff. {$3000.00} behind Negitve impact on my credit For nothing we told this bank Several time to put the {$60.00} Back on the. Card in they keep Repeatedly saying they will in have not My friend has also put a complaint in as well This is not fare to me Or my credit this is My life
Product: Mortgage

I was told on XX/XX/2020 by my Mortgage company, Selene Finance, that I was approved for a 3 month forbearance and a 6 month repayment plan that would be $ XXXX/month for 6 months. I got a call this morning from Selene Fianance about my XXXX payment and I explained to the Rep that I was on a forbearance and repayment plan. The Rep stated that she didn't see a forbearance on my account and the only thing that she could do is send me a package to see what they can do. So I called back and spoke with 2 reps ( 1 being the original rep that stated that I was approved ), they both told me the same thing again this morning, XX/XX/2020 that my Forbearance was approved by underwriting but it wasn't put in the system. The original Rep assured me that there was nothing that I needed to do and stated that she would email her supervisor, who was unavailable, to have her give me a call. I didn't hear back, so I called back in. I spoke with a Supervisor and the Rep that called me this morning and they stated that my forbearance was not approved and the Manager stated she had a long conversation with the rep that gave me the incorrect information and she would check with the lender to see if they will honor this request. I am filing a complaint because the Reps at Selene Finance are giving out incorrect information and jeopardizing the lives of people who are already suffering during COVID. This is unacceptable and I need for this issue to be resolved immediately. I am ready to hire an attorney and proceed with a law suite against Selene Finance. I have voice recordings of each and every call and my documentation.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXX Unauthorized inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XXXX 2017
Product: Credit reporting

Equifax continues to report this incorrect information from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The refuse to block the fraudulent information. I am again sending an updated police report and would like the information blocked from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or records of this account on my credit report. 
I have disputed this unknown medical account with XXXX XXXX XXXX and have had no valid response. Please tell me the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009.

Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). 

I also reserve the right to include your Bureau in any legal remedies I pursue.
Product: Mortgage

My husband ( XXXX XXXX ) and I changed our home owner 's insurance to another company in XX/XX/2019 saving {$1200.00} dollars per year in the premium. However, Rushmore refuses to lower our payment. Furthermore, they have arbitrarily said we have an escrow shortage of more than {$3000.00} and increased our mortgage payment when we did not fall behind in payments at all the previous year nor did we see an increase in property taxes. Again we saved money on insurance.