23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX TransUnion XXXX, TransUnion Supposed to ensure MAXIMUM POSSIBLE ACCURACY this account violates these laws 15 USC 1681 ( I ) 15 USC 1681 ( S-2 ) 15 USC 1681 ( Eb ) 15 USC 1681 ( I-5 ) : Delete Accounts I called TransUnion to get my credit report on XX/XX/XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose According to 15 USC 1681Ib, I Also attached my credit report and letter showing that TransUnion is in violation of the FCRA
Product: Debt collection

I am writing to formally dispute a debt that is being reported on my credit report by Credence Management Services. The debt in question is claimed to be in the amount of {$2900.00}, and according to XXXX, this is listed as a collection item. However, I believe this debt is not mine and is being inaccurately reported. 

I have never signed a contract with Credence Management Services, nor do I have any valid record of owing them this amount. Additionally, if Credence purchased this debt from XXXX XXXX XXXX, they likely acquired it for a significantly lower amount, which would make the reported balance of {$2900.00} incorrect. 

I am requesting that Credence Management Services provide me with proper documentation proving that this debt is mine and that the amount is accurate. Specifically, I request that they provide a copy of the signed contract or agreement, as well as any verification of the amount owed, which should reflect the actual value they purchased the debt for. 
As I am in the process of acquiring housing, this collection entry has severely impacted my credit score and my ability to secure housing. This issue is urgent, and I request that this matter be resolved promptly. If Credence can not substantiate the debt and its amount, I ask that this collection entry be removed from my credit report entirely. 

Please assist me in resolving this issue and removing this inaccurate entry from my credit file. Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information and charges off my credit report. I ask that these fraudulent charges be removed from my file as soon as possible. I have already contacted the Federal Trade Commissions Identity Theft Affidavit so that these charges can be removed because it is hindering me.
Product: Credit card

I receive a mailed " offer '' of Do n't let Your Credit Limit Decrease from Home Depo. I feel this is a rather adverse action being taken towards me as I know of no wrong doing on my part. I could understand closing my account for inactivity but treatening to reduce my limit as a marketing tool to try and get me to use the card does not go over very well. I believe this company is in violation of Truth In Lending Act ( TILA ) and Equal Credit Oppertunity Act ( ECOA ) on XXXX fronts. First the " offer '' is not in an " Adverse Action '' format to include the primary reason for taking this action and if they used third party information like a credit report. Second is this action take against me imperical based on my actions or 3rd party information causing this limit decrease. I can vey much assure you I paid this account ontime for 23 months during an interest free offer when I replaced my roof. My credit has not declined as I work in the financial industry and it 's reguired of me for my position of 16-years to maintain an A+ ( XXXX or better XXXX credit score.
Product: Student loan

I have my student loans serviced by Aidvantage. I am enrolled in the SAVE plan which my account has been in administrative forbearance since XX/XX/year> due to the pending court cases. This means my account has paused payments ( {$0.00} payment due ) and interest is paused ( all my loans are 0 % interest ). Presently, my account should be accumulating {$0.00} every month. Despite the forbearance, I have made about {$14000.00} in payments since XXXX on my account, yet my account has been accruing interest and my Total Current Balance has been increasing ( at least {$27000.00} according to my records ). Even if I was not making payments, my total current balance should not be growing. I have called Aidvantage about this problem 3 separate times and they can not identify why my account has been increasing. I have screenshots showing my balance was about {$27000.00} lower in XXXX and has been increasing ever since. I believe erroneous interest has been added to my account since XX/XX/year> and is continuing to be added every day and yet Aidvantage allegedly has no understanding of why this happened and has yet to find a solution.
Product: Bank account or service

I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX.
Product: Debt collection

Sent a communication to the XXXX XXXX XXXX XXXX company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.
Product: Vehicle loan or lease

Chrysler Loan # XXXX Hello, I have had problems for over XXXX year with Chrysler Capital accepting payments on the phone from me. I co-signed for my son. I had no idea that he was bouncing payments. 
So, for the last year, they restricted not only his account but also my account. I was forced to make payments for a fee only with my debit card. On XX/XX/year>, I called to make a payment and was told that I would need to go into XXXX XXXX and could no longer make payments via my debit card. At no time were any of the bounced payments made off of my account. I was forced to pay a fee in addition to making a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I inquired about a debt consolidation loan. The company PROSPER hit my credit report twice, I told them their website says no credit hit to inquire. I spoke to them again on XX/XX/XXXX & XX/XX/XXXX and asked them to take it off they said no I agreed to loan which is a lie, I have photos of their site saying no credit hit to see what your eligible for. 

This company is a bate and switch I just want those 2 hits off my report.
Product: Credit reporting or other personal consumer reports

Affirm has inaccurately reported two payments as late to XXXX. I have provided two screenshots depicting both payments were made on XX/XX/year> - not XX/XX/year> as they are inaccurately reporting. They ignore my numerous requests and I have been unable to resolve this issue.
Product: Debt collection

West creek financial .... the lending service used to buy my mattress.

They keep calling DAILY at XXXX!!!!
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, Trans Union, XXXX counties to allow XXXX XXXX to keep a bill on my credit in The about of XXXX. Which was paid my insurance. My insurance company has also called XXXX XXXX a number of times about this debt and they still refuse to remov it. All three credit agencies says it has been verified. But no one can prove how it 's being verified. Yes they know my name Date of birth and social Security number, the bill is from two different hospital stays XX/XX/XXXX and XX/XX/XXXX. Both bills was paid my my XXXX XXXX. I also had Florida XXXX with the hospital failed to bill, because it does n't pay a lot. This is a violation of the FCRA. Please read attached information, where focus financial admits that they receive a call from XXXX about paying for the bill. I will also attach information proving I have to go to state XXXX. This bill is a result of insurance says hospital billing error and should have never touched my credit.
Product: Mortgage

Wellsfargo Bank has violated my rights as a consumer that are protected under 15 U.S. Code 1605. WELLSFARGO has mishandled my mortgage debt and has failed me as the servicer of my loan. WELLSFARGO failed to disclose any additional finance charges and escrow amounts within my loan modification. I have been misinformed about all charges and total amount owed on my mortgage. WELLSFARGO has allowed HUD to place an unfounded lien on my property at XXXX XXXX XXXX, XXXX XXXX MS XXXX. In doing so I am being robbed of my earned equity in my property. WELLSFARGO has already been found guilty in the past and present of having unlawful practices in regards to their minority consumers. WELLSFARGO alleges that I owe an additional {$56000.00} to HUD whom I haven't signed any nor entered into any credit transactions with, and also state in my most recent pay off letter that I owe WELLSFARGO {$170000.00} as the final payment to clear the title of all claims by them as my loan servicer. The original credit transaction made 12 years ago was in the amount of {$190000.00}. There is no way possible that I as the consumer owe {$230000.00} as of today. Pursuant 18 usc 8 I owe no debts and the title to XXXX XXXX XXXX, XXXX XXXX MS XXXX is mine free and clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply. 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting

Original dispute XXXX regarding collections with XXXX for incorrect balance. Then paid balance in full on XXXX and issued for deletion. DUPLICATE account placed on my report and issued reinvestigation XXXX. Follow up XXXX. DUPLICATE removed XXXX. But original disputed account still remained. Reinvestigation still in process today XXXX - dispute # XXXX. Been receiving emails that dispute resolved but no letter or information on resolve. Spoke with representative XXXX and today XXXX and advised by phone call still no resolve to investigation. Both representatives issued NEW complaints with ANOTHER 30 day wait. Cycle continues. XXXX have issued for removal as well but still no changes. Latest investigation # today XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : ( Mortgage ) XXXX XXXX XXXX XXXX 
Balance {$0.00} opened XXXX XXXX, XXXX - account number XXXX ( Mortgage ) XXXXXXXX XXXX XXXX Balance {$41000.00} opened XXXX XXXX, XXXX - account number XXXX ( Auto Loan ) XXXX XXXX XXXX Balance {$22000.00} opened XX/XX/XXXX - account XXXX ( Auto Loan ) ALLY FINANCIAL Balance {$0.00} opened XX/XX/XXXX - account number XXXX ( Auto Loan ) XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX - account number XXXX ( Secured Loan ) XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX - account number XXXX ( Credit Card ) XXXX XXXX  Balance {$0.00} opened XX/XX/XXXX - account number XXXX ( Collection ) XXXX XXXX XXXX XXXX {$320.00} opener XX/XX/XXXX - account number XXXX ( Debt Collector ) XXXX XXXX XXXX Balance {$680.00} opened XX/XX/XXXX - account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Today XX/XX/XXXX, I accidentally misspelled the email I was sending money to for my monthly rental payment. I included in the note on Paypal it was for the rent and upon realizing the error notified Paypal immediately. 

Paypal on turn closed the case claiming the transaction was authorized ( even though there is evidence it was done in error and Paypal has access to both accounts ). 

I am currently out XXXX dollars because Paypal refuses to investigate the claim and simply closed it without making contact to me or the seller.
Product: Money transfer, virtual currency, or money service

They did not properly handle my dispute despite using them multiple times zelle and my financial institution did not investigate my claims i was just informed that recovering fund was mot possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law charged me a " first work fee '' of XXXX on XX/XX/22 They also took two separate fees of XXXX from my account. One withdrawal on XX/XX/22 and one on XX/XX/22 The service was not actually provided, as the " letters sent on my behalf '' were returned to me via usps as undeliverable. 
The service was canceled after searching for hours on how to actually cancel it. 
Since I signed nothing with them, they did not actually have any authority to take any money. Nor did they have any legal right to send anything on my behalf. 
They took additional money from me without authorization, and once I canceled, they refused my refund, even though they did no work for it.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of fraudulent accounts in my Experian credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Experian report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Experian credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

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

n accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX Credit Collection XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX has violated rights 15USC1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

On or about XXXX of XXXX, the following unfair or deceptive act occurred ; Your company sent notice of your adverse actions that are not supported by law or written agreement, and after accepting payments for almost XXXX years at the interest rate of XXXX percent, that NFCU intended to raise the interest rate to XXXX percent if NFCU did not receive copies of the security documents already sent to you. Your agents proceeded to provide false assurances that this would not happen, and that they recognized this would be in violation of various laws and statutes because of the following : 1 ) you were sent the documents and misplaced them, 2 ) you failed to enforce the security agreement as it was written, and gave a forbearance without proper notice to not only myself, but all others like myself, in my class, 3 ) by failing to provide notice of your not perusing the effectiveness of the security agreement, and by accepting payments for almost XXXX years at the interest rate of XXXX percent, you therein waived any conscionable right to change the interest rate through your business practices, in which you established your affirmation of the XXXX interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} JXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Credit reporting or other personal consumer reports

am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

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

attached is the page of my id theft report also asking for experian to remove fraud alert and credit freeze from my credit file
Product: Mortgage

My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up. 
XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}. 
XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.