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

I have late payments that need to be removed per Capital One and it's still showing on my Capital One accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.
Product: Checking or savings account

I opened an account with US bank Usbankcorp. Depositing over XXXX in less then two months. However US bank practiced predatory behavior in applying over {$1000.00} dollars in over draft fees, additionally they took back an approximate {$1200.00} credit I had recieved after reporting a string of unauthorized transactions. Additionally none of the ove draft fees should have ever applied.i was plus in my account, approximately {$800.00}, and then minus {$700.00} just by predatory overdraft fees.
Product: Credit reporting or other personal consumer reports

The card was stolen around the end of year 2020 and I was not aware of that the card was gone. then I came to notice that it was used by someone else without my knowledge. it happened for a quite sometime. then I came to know the situation. I closed the account immediately. Pls understand this unforeseen circumstances. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the height of the pandemic in XX/XX/2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XX/XX/2020 Arizona Public Service turned over for collection utilities owed ( despite them being in a place of moratorium ) to Diversified Adjustment Service, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX  never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been seeing this account on my credit report, But this account dose not belong to me and i dont know why its showing up on my account. I have an actual account with the same people and MY account is in good standing and is alway paid I wasnt aware you could have 2 credit cards from the same place.. this account is unauthorized, and I do not know anything about it.
Product: Debt collection

They repeatedly call and ask for someone else. I tell them who I am, but relentlessly continue to harass me asking for this other person. I have had this number for about a year now. They call 3 times a day, day and night for the past two months that I can remember. They are called RPM debt collectors. I do not have any connection with this garbage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in 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 the consumer or creditor. Update the account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially opened a secured credit card with a {$600.00} credit limit with XXXX XXXX. After having the account open for a few years, I noticed that my account had been closed. 

The final few months of 2018 reflected that of inaccurate information received by XXXX XXXX. As a result, there continue to be a total of XXXX " charge off '' statuses for each month from Experian. 

I have requested documentation showing fees, etc but have failed to receive any documentation and my attempts to resolve this have been unsuccessful. 

The {$600.00} security deposit that I placed for this secured credit card was also not applied to any balance that I essentially had upon account closure. 

The total balance of {$1600.00} from XXXX XXXX which Experian reflects as a charge off has several inaccuracies that reflect on my credit file as a result of fees, other non disclosed terms & conditions as well as accured charges that were not disclosed in the initial cardholder agreement. 

Experian has allowed XXXX XXXX to report this account as a regular credit card. This was a secured credit card and it does not state that on my Experian file. The terms of this alone require Experian to remove this from my file in it's entirety due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

There is are accounts on my XXXX, XXXX and XXXX credit reports that I have no knowledge of. It's clearly identity theft and fraud and I would like the accounts removed from my credit reports immediately. 
There is an account by the name of Financial Assistance Inc reporting derogatory in the amount of {$250.00} on my XXXX, XXXX and XXXX credit profiles I have no knowledge of.

There are 3 accounts from a company by the name of XXXX reporting derogatory in the amounts of {$210.00}, {$95.00} and {$77.00} on my XXXX profile that I have no knowledge of.
Product: Debt collection

Hi. Ive told Portfolio Recovery Associates that they are not allowed to contact me by phone. They call multiple times per week, on any day. They also use different telephone numbers so that I dont have a number to give you. Ive told them that they can contact me via the United States Postal Service, but they refuse to do so.
Product: Debt collection

Calls four times a day, EVERY day ( even Sundays ), with recording or just hangs up. Has not sent anything in writing. Calls cell phone, unknown how they got # because I do not give it out. Has called son 's cell phone and is also calling XXXX daughter 's cell phone. I have written a Cease & Desist letter requesting the constant barrage of calls to stop.
Product: Credit reporting or other personal consumer reports

Equifax refuses to update my score. My score is exactly XXXXXXXX XXXX lower than both other credit report and agencies. I have called and asked Equifax about this. They can not give me any information. I have stated to Equifax that my score is completely wrong and to fix it, they refused to do so I will pursue legal action moving forward.
Product: Debt collection

I was notified through XXXX that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Upon disputing this debt through XXXX, XXXX XXXX XXXX changed the original creditor to Reel Time Capital. The address listed for both XXXX XXXX XXXX and Reel Time Capital is for XXXX XXXX. Neither business is at that location. I've never been to Missouri or done any business with XXXX XXXX XXXX or Reel Time Capital. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. My credit report shows an account opened at XXXX XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XX/XX/2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX or if this is identity theft and my information was used at XXXX XXXX XXXX and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I requested the Trans Union, XXXX and XXXX, credit reporting to review my file on 3 XXXX XXXX loans. 

XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

Transunion nor XXXX has not deleted these incorrect items on my credit report file.
Product: Mortgage

On XX/XX/XXXX my Chapter XXXX Bankruptcy was discharged, and Ocwen was included in the Chapter XXXX. 
In XX/XX/XXXX I applied for a loan modification with Ocwen. 
In XX/XX/XXXX, I was approved for a XXXX loan. I as well as Ocwen signed the documents. 
Since the modification, Ocwen reported my payments to the XXXX main credit bureaus MONTHLY. Which helped build my credit. 
In XX/XX/XXXX, my credit score with XXXX was XXXX ( fair ). I got credit card offers and was approved for XXXX credit cards. 
In XX/XX/XXXX, Ocwen sent me a letter stating they had reported in error and contacted the XXXX main credit bureaus, and told them my account was closed, removed all of my on time payments, and now refuses to report my payments. 
in XX/XX/XXXX my XXXX credit score dropped to XXXX ( poor ). Now I have been denied an auto loan, and multiple credit cards. 
I would like Ocwen to report my payments, but since they cant, and ruined my credit. They should be fined.
Product: Debt collection

I have been receiving repeated calls from this company called XXXX XXXX XXXX XXXX XXXX XXXX, a collection company in behalf of Cashcall for a loan that I took out years ago. I have written them a cease letter not to contact me since they did not send me anything about this alleged debt in the past. However, they have also contacted my children who are in college and threatened them that they're going to take me to court and sue me. They have also contacted other relatives of mine including my parents and siblings revealing to them this alleged debt. My children are distracted during their finals weeks because they keep calling them from different numbers after they block them and told the to have their money call them and that it is very serious revealing I owed a debt.
Product: Student loan

I am writing this complaint based on the fact that i was let go from my job at XXXX XXXX XXXX  on XX/XX/2020, during the beginning of the COVID 19 pandemic, and at such time i was unable to pay my school loan bill with American Education Services. 

I talked to a representative on the phone and he he offered no possible way to help with my payments at all, not lower them not defer them or anything. The only option the representative offered was to default on my lone and after a month i would be able to enter in some sort of appeal. This was impossible for me to do because my grandfather cosigned the loan and if i was late on payments then he would have been penalized. 

It was a very hard time losing my job right at the start of the pandemic, and no one offered any help whatsoever in regards to helping sort out payments when i literally had no money. In fact i am even more in debt and now to family members because i needed to borrow money at a time when i had absolutely no income Making Payments are still a struggle as I never did find a job that paid as much XXXX the one I was let go from and American Education Services still will not offer anything in the way of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record showing on my XXXX and Experian credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by  XXXX   XXXX   XXXX   XXXX  that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated  " Information va lidated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed  XXXX   XXXX   XXXX   XXXX  to update information on the account from charge-off with a balance of   XXXX   and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information  validated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against Equifax about the matter. However, the BBB did nothing but open up a line of communication with Equifax. No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with  XXXX   XXXX   XXXX   XXXX . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for Equifax and hung up.     I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.
Product: Mortgage

The borrower, XXXX XXXX was approved for a XXXX My City trial modification in XXXX 2015, to be completed XXXX 2015. He successfully completed the trial and has been waiting for the last 4 months to get his final modification documents. This is the XXXX client I 've had with Seterus that has experienced a ridiculously long delay in receiving final modification documents. This is also the XXXX complaint against Seterus that I have filed with CFPB. The standard turaround time for permanent modification documents is 30-60 days. I checked with XXXX and they confirmed that it is up to the servicer to create the modification documents and then it 's forwarded to the investor for approval. Seterus has n't even gotten to that part of the process yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation offederal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXBalance : {$2600.00} XXXX XXXX 555751000036****Balance : {$1900.00} XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXXL ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX*Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX PA ) XXXX Balance : {$210.00} XXXX XXXX XXXXBalance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.