23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, 2022 ALLIED COLLECTION SERV {$2800.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. Allied Collection Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Mortgage

I lost my job and I got a XXXX  XXXX  in XX/XX/year> from PNC where I could stay 6 months without doing payments. 
Even when I'm still unemployed and I've to leave the country ( I'm a XXXX XXXX  ) I have paid since XXXX, I'm seeing in the website : Payment Due Date:XXXX and they sent letters to my house about delinquency and foreclosure. 
It's not the first time I've issues with this bank making any process extremely slow and bureaucratic. Being out of the country haven't allowed me to send faxes easily as they want and reaching them by email is impossible. Also with a big effort I have tried to reach them by phone, but they move the call to different people and after 30 minutes normally the phone call is terminated without any solution.
Product: Mortgage

I have a big problem with freedom mortgage im trying to save my home I asked for help from them with a modification I am complying with everything they asked I even have a hud counselar working with me they stated I have something on my title that was about 6 or 8 years ago I was not living in the house that long they stated whats on my title is a judgement for XXXX I paid it years ago I even went to civil court to get a copy the bank is telling me they can not accept it the courts is telling me I have no judgement this is what they can give me I gave it to the bank they are not accepting this was years ago its paid I showed my proof im trying so hard not to loose my home but I feel they want me to I need some help from someone
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 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 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

Equifax has yet to respond to my complaint about an erroneous bankruptcy on my consumer report, and are still reporting it. I submitted a complaint with the CFPB on XX/XX/2023 and have yet to have any response from Equifax. They legally only have 30 days to respond and investigate my dispute. That time has passed. I will be taking legal recourse regarding this matter in Federal Court via the Central District.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remark Code " Dispute resolved, Customer disagrees '' was added to my credit report between XX/XX/XXXX - XX/XX/XXXX this remark code needs to be removed. The Dispute has been closed in my favor and the temporary credit given has been made permanent to me. 

Given that the dispute has closed in my favor and the temporary credit has been given to me. 

The remark code " Dispute resolved, Customer disagrees '' Should be removed immediately.
Product: Mortgage

This is related to a previous complaint but the proof is now present that Bank of America does not even read or proper act on issues/complaints. I received a notice they had not received my payment but I checked my bank account and they most certainly did receive the payment. I logged into my BOA account and noticed a higher amount due which is the proof. Probably a month ago I provided them my insurance information which means they needed to cancel the policy they put on the house and make the appropriate changes for amounts due ... Obviously instead of doing this, they simply cut and pasted a response and did nothing else. In the recent email from them they threaten reporting me to credit agencies and based 100 % of their failure and thus waste my time which means nothing to them ...
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

For the past 15 months XXXX XXXX has been aiding and abetting Google in the theft of my money. 

Every month I receive a {$1.00} charge, but no one will tell me what it is for. I have contacted Google and they will not stop charging me. They refuse to provide a receipt or even tell me what the charge is for. 

XXXX XXXX will not stop the merchant from charging my card. I have gone as far as getting a new card with a new number, but XXXX is giving this information to Google and the charges have somehow continued on the new card number. 

So far I have contacted : XXXX XXXX City Police XXXX Google XXXX Bank Congressman XXXX XXXX ... and others and yet no one has helped me. 

I will give credit to XXXX XXXX ' office, as that person said they reached out to Google, but Google is not responding to them. 

I have spoken to over 20 different reps at Google and no one will help me. I have contacted Citi and they told me there is nothing they can do and that I need to resolve it with the merchant. 

I feel completely helpless and taken advantage of as this has gone on for over a year and I do not know what else I can do. 

PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

National Credit System is reporting a collection/chargeoff on my credit profile from the advantage apartments.

First, the account date of last activity is XXXX. In Mississippi, the statute of limitation to collect on written debt is three years. As we are in XXXX, heading to XXXX, the statute of limitation to collect on this debt has expired. Therefore, legally there is no balance due to this company. I moved out of these apartments back in XXXXXXXX XXXX XXXXXXXX. 

Furthermore, the comments say customer dispute, but consumer disagrees XXXX is reporting the date of last activity as XXXX, XXXX reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX The date of last activity should reflect the last date a payment was made. There was no payments made after XX/XX/XXXX. Therefore each company is reporting an incorrect date of last activity and has in fact re-aged the date of last activity on this account. Therefore this is an FCRA violation and the dispute has not been resolved.

Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ).

When a consumer disputes an item of information, the agency must investigate the dispute, and of the information can not be verified delete. 15 U.S.C Section 1681i Further national credit systems can not try to not adhere to the FCRA standards when they are reporting the account as a CHARGE-OFF on my credit profile.

Futuremore, it is a violation for a COLLECTION company to report TIME BARRED DEBT.

if I were to consult an Consumer law attorney I could be aware damages for reporting time barred debt, reporting debt after the statute of limitation has expired, which would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between XXXX, Experian, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX XXXX XXXX XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise
Product: Credit reporting or other personal consumer reports

XX/XX/2XXXX XXXX XXXX XXXX {$1600.00} i call i never open credit with XXXX XXXX XXXX was victim of fraud
Product: Checking or savings account

I opened account with the promotional giveaway of getting XXXX XXXX XXXX points once the requirements were mer. The disclosure states all points will be credited to XXXX XXXX account within 30 days of meeting all requirements of the promotion. I met all requirements over 40 days ago and have tried having bank fix the issue multiple times without success. Each time the agent says all requirements were met such as the direct deposit and debit card transaction requirements.
Product: Debt collection

XXXX - XXXX This is regarding your transaction that you used on XXXX. it was sent to a closed account - XXXX XXXX XXXX STOP to Opt Out Hi XXXX, if you would like to make payment today online please text the word " PAYMENT ''. Your balance is XXXX Your reference number is XXXX Thank you CHECKredi - XXXX XXXX XXXX STOP to Opt Out I dont have a balance. Theres been some fraudulent activity. 
How do I have balance when Ive never used this program for payment? 

Please contact our office at XXXX to discuss your account in detail. - XXXX XXXX XXXX STOP to Opt Out Please provide your website to start a fraud investigation.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX that the following XXXX XXXX XXXX account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit card or prepaid card

I have a Zales account under Comenity Bank. I was charged an interest charge of {$4300.00} in XXXX which made my balance XXXX. I contacted my bank XXXX XXXX XXXX to send a payment on my behalf in which they did. On XXXX XX/XX/2022, XXXX XXXX sent a check of {$7700.00} ( check XXXX ), the check was cashed XXXX XX/XX/2022 according to XXXX XXXX. I sent a image of the check which shows the cashed date, bank, my name and account. To date, Comenity Bank has not applied this payment to my account. I have called numerous times, I have filled disputes and I am being told to wait while they research. I call weekly and interest rates and late fees continue to apply to my account. To date I am still waiting for my payment to be applied. Due to this prolonged delay and stress this has brought into me, I would like the applied interest of {$4300.00} to be completely removed. I would like the payment that was sent to be applied to my account and the balance sent back to me ASAP due to the inconvenience.
Product: Checking or savings account

On XX/XX/XXXX, I went to cash/deposit a XXXX XXXX XXXX XXXX XXXX XXXX check issued on a Wells Fargo account and I was told by my banking institution and subsequently by Wells Fargo Bank that it could not be cashed because it was for an estate account and those accounts are usually for deceased persons. 

So, called the XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inquire why XXXX  years in a row I have been sent refund checks that are made payable to the " Estate of XXXX XXXX XXXX ''. I was told because someone checked a " deceased '' box. I fully addressed with the XXXXXXXX XXXX XXXX XXXX XXXX  XXXX that they should have looked into the matter last year when I signed a refund check from them for $ XXXX after they paid XXXX & XXXX XXXX XXXX VA for delinquent taxes that I didn't owe for a car that wasn't in my possession. Then I signed and mailed in my tax return this year for a refund that was supposed to be direct deposit. I inquired as to why it would be acceptable for a box to be checked for a deceased person with no valid death certificate on file and I also asked Wells Fargo why don't they fingerprint to cash checks anymore. The XXXX XXXX XXXX XXXX XXXX  XXXX denied having a valid death certificate and could not see in their system who was marking it. So, I guess if the deceased marked person hadn't paid taxes this year, XXXX XXXX XXXX XXXX, VA would have been allowed to collect for XXXX taxes and get paid the refund issued to XXXX XXXX XXXX again this year. Then they ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX want a phone number to carry on a conversation like they have known me for years. No phone number provided. Contact may be by mail or email. 

Therefore, there is nothing further I can do regarding this matter other than to report it. I don't work for either incompetent institution, the XXXX XXXX XXXX XXXX XXXX XXXXXXXX or banking institution Welss Fargo or others identified.
Product: Checking or savings account

We had transferred {$1800.00} from Chase Bank into the tiny XXXX XXXX XXXX XXXX  in XXXX XXXX to have work done that had to be canceled after a storm.Our jeep was totaled in a flash flood at our remote ranch outside XXXX XXXX on XX/XX/XXXX. We were unable to get home and stayed with friends who had no internet or transportation. We were able to get a ride to the XXXX XXXX XXXX XXXX  in XXXX XXXX to get temporary checks and to move money from this little used account back into Chase bank via our mobile app operational inside the bank the date of the transfer. While finalizing a {$4000.00} loan to get our jeep replaced, that lender suddenly withdrew without explanation. We subsequently discovered through a Chase branch manager in XXXX Texas on XX/XX/XXXX on our way back home to XXXX XXXX Texas that an actual freeze had been put on our entire account, not just a hold. While we seemed to have funds in the account on XX/XX/XXXX I proceeded to pay bills unaway at that time there was a freeze on the entire account. I requested Chase launch an investigation into all the communication between us and a department called Loss Prevention Team that withheld vital information about our account, gave contradictory instructions and have generally acted in bad faith. Chase refuses to launch an investition into the communication between us and their Loss Prevention Team.
Product: Credit card or prepaid card

On XX/XX/2021 at roughly XXXX EST I call Chase Bank Credit Card ( XXXX ) to obtain a pay-off letter in writing for a specific date in early XX/XX/2021. I was seeking the pay-off letter to allow me to pay down my balance at the closing of a mortgage. Chase Bank would only provide a pay-off letter for the same day balance. To clarify, if I called on XXXX XXXX they would only provide a pay-off letter for XXXX XXXX Additionally, the written pay-off letter would ONLY be delivered by fax. I escalated to a manager and they provided the same answer. They did offer to provide a verbal pay-off estimate for the requested date ; however, verbal estimates are not usable by mortgage companies. This entire process seems unnecessarily restrictive and ultimately obstructionist.
Product: Debt collection

On XX/XX/2019 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$15000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.