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

This is regarding an existing issue with transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

They keep calling me trying to tell me I qualify for loan forgiveness and when I call they tell me it is only for over 10 grand in order to qualify. I keep getting harrassed by phone calls even still after I told them to stop calling me anx telling me that.
Product: Mortgage

In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX   XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for reporting inaccurate and incomplete information regarding the XXXX XXXX XXXX account ( # XXXX ) in my credit file. The errors and inconsistencies in this account violate specific provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

Specific Issues with the Account 1. Inconsistent Payment History : The account reflects a payment history from XX/XX/XXXX to XX/XX/XXXX with serious inconsistencies, such as alternating statuses of " Charge-off '' and " OK '' for months like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This violates Section 607 ( b ) of the FCRA, which requires credit reporting agencies to ensure the accuracy and consistency of reported information.

2. Missing Date of Last Payment : The report omits the critical date of last payment, violating Section 609 ( a ) ( 1 ) of the FCRA, which mandates the provision of complete and clear information to consumers. 

XXXX. Inaccurate Comments : - The account includes contradictory comments, such as " Charge-off '' and " XXXX  XXXX bankruptcy, '' without adequately explaining the debt status or its progression. 

- This constitutes another violation of Section 607 ( b ) due to the failure to provide accurate and meaningful reporting. 

4. Incorrect Dates : The date of last activity ( XX/XX/XXXX ) and the date of last reporting ( XX/XX/XXXX ) are inconsistent with data provided by other credit bureaus. 
These discrepancies further violate Section 607 ( b ) of the FCRA, which requires accurate reporting of key dates.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Beyond Checking account with TD Bank with a promotion : if I put {$2500.00} into the account via direct deposit within 60 days, I would receive a {$300.00} bonus within 180 days of the account opening. By XX/XX/XXXX, I had already added {$3300.00} in direct deposits, exceeding the threshold to earn the bonus. It is now XX/XX/XXXX, more than 180 days from the account opening, and I have yet to receive the bonus.
Product: Mortgage

Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the Appeal request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.
Product: Mortgage

Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( XXXX XXXX XXXX ). We also have a new problem, because our mortgage was sold again in XX/XX/XXXX and our mortgage has been incorrect for three months and the new company ( Freedom Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to XXXX to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to Freedom Mortgage. We have had to call for three months to get current amounts due corrected and this XX/XX/XXXX will be month four. Every time we talk to Freedom Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.
Product: Credit reporting or other personal consumer reports

Filed complaint last year with previous servicer : XXXX To whom it may concern, The IRS have approved the 1099C for student loan XXXX on XX/XX/XXXX. Mailed to XXXX XX/XX/XXXX. Received my copy of the Copy B For Cancellation of Debt. My account has not been corrected to XXXX XXXX as of today XX/XX/XXXX. Student loan balance was settled. XXXX Balance. 
Applied the IDR loan but XXXX has credited my student loan prior to application being assign to Mohela.

Per reporting my account as delinquent, they are violating my privacy Title 34 part 99, I never given them consent to put this infromation on my report. The Family Education Rights and Privacy Act ( FERPA ) is a Federal law enacted in 1974 that protects the privacy of student education records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with GLA Collection Company. 

Additionally, I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to third party, GLA Collection Company. 

Please provide me with a breakdown of all charges, dates of service, and procedures given with the fees associated along with my signature and consent to release private health information. 

Please advise that withholding full documentation you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect GLA Collection Company to be removed from my credit report. 

All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you
Product: Money transfer, virtual currency, or money service

I got scammed on Zelle throught my bavmnk the person was able to get over XXXX XXXX  from me back in XXXX at the height of Covid. I was a young XXXX XXXX solider in tge XXXX taking care of my siblings and tryna get by.The Person made a fake account on XXXX under the alias XXXX XXXX and my wife was the one in contact with the person sent money through zelle which is attached to my account while I was at work. Also attached is the case number and contact of the officer who we reported the crime to. Nothing was done XXXX he got away because Zelle didn't have stricter rules and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to the previous Complaints I submitted requesting that the Credit Bureaus correct the information being reported on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am confident that the information being reported by Credit Bureau are inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Product: Debt collection

I drafted a letter on XX/XX/XXXX regarding account ending in XXXX an amount of {$2200.00} which was my second letter to Chase failure to send a copy of contract stating the amount that I owe to them I now have received another letter from Chase stating that my immediate response to an account XXXX balance amount {$2200.00}. I did not respond to this one. Im going through CFPB. in hopes to solve this problem all of this is stemming from identity theft. I do not know I have any knowledge of ever signing a contract with Chase. Please help I have a copy of police report. Ive sent them numerous letters in the past. In XXXX as all of this identity theft transactions landed on my front door
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unsolicited hard inquiries I want removed from XXXX by a company called Clarity Services Inc. a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
Product: Credit card or prepaid card

I have reached out to his company several times however they have not responded to my dispute in regard to this account they are reporting this account with late marks even though I have reached out to them for forgiveness due to hardship brought by COVID 19 I have been relieved from my work and have been having a hard time.
Product: Student loan

In XX/XX/XXXX I helped my niece by co-signing for her student loan. I thought no more about the issue. It 's now XX/XX/XXXX, I 'm retired from XXXX and receive a copy of my credit report with Navient reporting 60 and 90 days late dropping my credit score by XXXX points. 

I called Navient to figure out who they were. Once i knew they were reporting late in regards to my niece 's loan, i called them right away. They had no accurate information for me and had never tried to correct the information. The customer service representative verified they had returned mail because of the inaccurate information. 

Navient never tried to contact me. They had my niece 's information and simply could 've asked her for my contact information. I would 've made the payments had they tried rather than let the account go overdue and allow delinquencies on my credit report.
Product: Debt collection

This company fails to remove an account off my credit report, even after providing me a letter of deletion back in XXXX. 
Attached is a copy of the letter of deletion, however, when I called the 3 credit bureaus, they said they had received NO notifications from CCS to delete
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX.
Product: Debt collection

RE : COMPANY ALLEGED DEBT ALLEGATIONS I, am Consumer/Natural Person. Grain Technology you are a debt collector identified in the Fair Debt Collection Practices Act in Pursuant to Title 15 USC 1692c. ( c ). It has come to my attention, and I am Aware that Grain Technology has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Pursuant to Title 15 USC 1692c ( c ) I am notifying you in writing that I dispute and REFUSE to pay the ALLEGED debt! I am demanding that you cease all further communication through ALL and ANY medium EXCEPT, For communication of remedies for XXXX XXXX XXXX, The consumer and natural person., via MAIL ONLY! 

Below I have attached the following documents below showing proof of harassment and constant from Grain Technology.

You Are Civilly Liable, Failure to respond and honor demands of this notice, Will result in an additional violation pursuant the FDCPA. I will take legal action and Litigation will be brought upon you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXBalance : {$1300.00}
Product: Credit card or prepaid card

AMERICAN EXPRESS is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was XXXX with no pay due to XXXX  ... During my XXXX  I had minimum access to my banking and paying bills ... thus my auto pay to AMEX was returned by my bank. After contacting AMEX and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank AMERICAN EXPRESS can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( Accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had paid off this card within one year of my card use, to avoid the interest. 
XX/XX/ statement, included a large interest charge,. I called the company to see why was I charged this. They said I had a balance that was not paid on my first purchase. I paid off the balance and had not used the card for about 7 months. 

So I asked the rep to send me a copy of all of my statements, she said she would, I never recieved them. so I called again, explained my case, and was told he would be sending them in 14 days, plus he was very rude, so I told him to close this account, because I do not want to be charged any more interest than they are already charging. 
So I called a third time, and the rep told me, he could not send me the statements, because the account is closed, the reason I closed the interest charge and poor customer service.
Product: Debt collection

XXXX XXXX continually calls my house before XXXX, even on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX  XXXX XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Checking or savings account

I simply updated my phone number today over the phone from ( XXXX ) XXXX to ( XXXX ) XXXX, first across all of my credit cards and secondly on my checking account. After updating all, I am still being prompted for a code to my phone number ending in XXXX. When speaking with a XXXX, they could not verify me in any other way ( no public record questions, etc. ) and simply said my phone number is too " new '' ( meaning too new on the account ) and that it would not be able to be used for XXXX weeks, meaning I would not be able to login to my account for XXXX weeks as I am being prompted for a code on my old phone number of which I do not have access to. It is ridiculous to lock customers out of their account simply because they are updating their phone number. The XXXX I spoke with is XXXX ( XXXX XXXX  XXXX ), and I spoke with him today, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, no action was taken. I am still waiting for an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :