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

The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :
Product: Credit reporting, credit repair services, or other personal consumer reports

The company won a garnishment against me in a judgment on XX/XX/2019.

The garnishment did not commence untilXX/XX/2019.

The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me hostage for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.
Product: Credit reporting or other personal consumer reports

I have had nothing but issues since I opened my Ulta Commenity Store card. I have never physically received the actual card itself. I have for this first time received my first physical statement in the month of XX/XX/2024 since I opened this account. Because I have not received the previous statements and nor physically had the store card to set up online access, it's hindered my ability to abide by all payment requirements. In lieu of this, my consumer reports has been greatly affected by this single account. I have had trouble moving into a house along with many other things. 
In accordance with 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I am revoking oral & written permission to report these late payments on my consumer report due to the nature of me not being informed properly to make payments. 

Also as a violation 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal I am notifying of you these violations and choosing a peacefully resolution if granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX car note should not be reported on my credit report as a closed account after seven years according to Federal Truth In Credit Reporting Disclosure Act and FTC Law. And, XXXX. XXXX  collection account is incorrect and is been paid as agreed cable bill not in collections.
Product: Mortgage

In collusion with legal firm of XXXX XXXX XXXX, my mortgage was defaulted and my home foreclosed on, even though I had also filed for bankruptcy protection prior to my home being repossessed and sold. Outside of a temporary option, which I successfully completed, Wells Fargo denied my attempts to get modifications on my home mortgage and generally made no good faith effort to help me keep my home. My home was initially foreclosed on XX/XX/2011, then postponed to XX/XX/2011.
Product: Payday loan, title loan, or personal loan

I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times the loan. This company is not realistic and a loan shark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I pulled all three credit reports. Upon reviewing my report there was a number of negative accounts reporting. Two of the accounts were XXXX XXXX ( in  the amounts of {$120.00} and {$310.00} ) and Solomon and Solomon ( collection agency for the aforementioned ). According to the credit reports my last payment to XXXX was XX/XX/XXXX which is legit. I was XXXX overseas in XX/XX/XXXX and at that time informed all creditors to close or place accounts on standby. I also requested final bills if any to be mailed to a alternate address. Since I moved out of the apartment I was renting this account was requested to be closed, following up with a final bill if any. I received all my final bills while XXXX via family with the exception of UI. On my credit report the also waited until XX/XX/XXXX to close the account. At that time I was already in XXXX. I contacted XXXX  as soon as I pulled the report and expressed to them the very words I am writing now to no avail. This was no surprise as I previously had to file a complaint against them for reporting a account on my report that was fraudulent and was proven by furnishing my birth certificate as I was a minor when the account was in use. Nonetheless I thought things could've changed. Moving forward, I contacted Solomon and Solomon as they were representing XXXX to collect the debt. I was unable to reach someone so I left my number. On the same day of realizing I had a debt I wrote Solomon and Solomon a " pay to delete '' letter and sent it certified. On XX/XX/XXXX receive a call from a CSR from Solomon and Solomon stating they received my letter and they agreed with pay to delete, I will just need to pay online. I immediately logged in with the information given to me over the phone and paid the bill. It is now XX/XX/XXXX and they are still reporting on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years, I have attempted to get Equifax to correct longstanding errors on my credit report. Equifax has my information mixed up with that of a woman with the same name and birthdate as mine. However our middle initials and Social Security Numbers are different. Equifax is reporting the other persons SSN on my credit file as well as her accounts, many of which are delinquent. 

My latest attempt to get Equifax to correct their errors was on XX/XX/2021 when I disputed the erroneous data via Equifaxs online dispute mechanism. However instead correcting the errors, Equifax is instructing me to contact the companies who are allegedly reporting the erroneous data to Equifax. I tried to contact Equifax by phone to discuss the dispute however I was provided a number for a recording which would not connect me with a live agent. This occurred on 3 different occasions. I might add that there was the same problem with my XXXX  and XXXX  Credit Reports, however those companies corrected the erroneous SSN and accounts within a few days.
Product: Debt or credit management

I was a down payment for starting services. Company stated with payments they could repair my credit, clear my debt, and improve my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I was trying to find a rental. Due to wrong information on my credit report with XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX and saying I owed money for an eviction thr judge waived on money fees for I missed out and lost temporary XXXX  of my daughters. Not only that the eviction should be listed as a construction eviction. The apartment I rented I did not realize had mold issues, XXXX roach infestation, mice infestation. My service animals got sick, myself, my fiance at the time, as well as my daughters all got exposed to toxic XXXX mold. The XXXX roaches my oldest is XXXX  to. As well as the XXXXXXXX XXXX XXXX  that showed up in her XXXX from living in the apartment. Still to this day my XXXX XXXX  and all four members of my family are having medical issues from being exposed to the mold and living there as long as we did.
Product: Mortgage

I was sent a solicitation by Bank of America to refinance my mortgage. I would like to do so. This would reduce my remaining 17 years to 15 years at a much lower fixed rate than my current 5.5 % mortgage. I own a full floor of a XXXX story building in XXXX originally offered as XXXX condominium units with full exclusive ownership of all adjacent common elements and we occupy it as our sole principal residence as if it were XXXX unit. It is worth approximately 8 times its value on our purchase in 1997, possibly more. Our refinance amount would be $ XXXX or thereabouts ( we do not want to borrow against any equity ). In NY state, there is a large transfer tax. However, this refinance would not be a transfer to another lender. It would just be a refinance, which BoA solicited. The fact that our floor can be used either as XXXX units or as it currently is XXXX unit, is only a positive to its value, and therefore, only lowers its risk to BoA. BoA however claims that this status ( XXXX units, XXXX of which we bought simultaneously in 1997 under condominium contract terms that make clear the optionally single use rights to the full floor ) PRECLUDES BoA refinancing for us. Whatever rule is being applied concerning the use of our real estate as XXXX units versus XXXX unit is a bogus rule, I believe, being used to obstruct us from refinancing our loan conveniently with our current lender, and to impose multiplied transactions costs on borrowers, by forcing the borrower into a complicated rigamarole, refinancing via a third party, which would entail additional agency fees. As our credit is excellent and our payment track record perfect with BoA and all prior lenders from whom BoA inherited the loan, and the property is worth about 15 times the mortgage amount, I do not understand why we the borrower should be victimized by a senseless corporate rule that has nothing to do with financial risk to the lender.
Product: Bank account or service

I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account.
Product: Mortgage

I am in the process of purchasing a new home and was asked to get a statement on a previous 2nd mortgage that I have been paying on due to a divorce decree from 12 years ago. This 2nd mortgage debt has been sold to different entities and is currently serviced by Statebridge Company. 
I was trying to obtain a monthly statement on their web portal, but was unsuccessful as it kept erroring and logging me out. When I called to request one, they told me that since my loan was not secured anymore, they didn't have to provide a monthly statement. I talked with XXXX ID # XXXX and he was very rude in his explanation of why they would not provide a statement. I don't see any rules pertaining to exemptions for this scenario of mortgage loans. The Periodic Statement Rule is explicit on what is exempted and this doesn't meet any of those exemptions. 
( A servicer must provide a written statement to the borrower each billing cycle, usually monthly. ( 12 C.F.R. 1026.41 ) ) This may put my purchase of new home in jeopardy as the statement is being requested from my current lender.
Product: Vehicle loan or lease

I have reached out to the company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX requesting my loan documents as well as a ledger or my statements. I have called as well as sent a request via email on their contact page. I was informed that they would reach out to a supervisor for final approval to have these items sent to me via mail on multiple occasions. I have still not received any of the requested items or a callback. One representative of their company advised I can review my statements by logging into their app and transferring to paper statements. I made the update and I see the statements on the app from XX/XX/XXXX but when I click, I am constantly receiving the error code on my past statements from XX/XX/XXXX to XX/XX/XXXX " Invalid Request- Retrieve Individual statements failed- Please give correct details ''. I can view the statements from XX/XX/XXXX to current, but it does not allow me to print the full statements. It will only print a blank page and I have tried it on numerous occasions. My monthly payment is {$460.00}. As each month goes by my balance is not adding correctly. I originally paid XXXX for my vehicle as of today I have paid over XXXX, and I still have a balance of XXXX on my loan. I am utterly confused and would like the ledger of all my payments, the original loan documents, and all my statements sent to me to investigate this further or clear my debit at this time. I do not understand how I have a vehicle loan for 60 months and my maturity date is an additional 23 months added to this loan. That gives me an XXXX term and I only had 4 of my payments added to the end of the loan and roughly 8 late payments. I am seeking answers and unfortunately, the company refuses to give them to me at this time.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$7300.00}
Product: Credit card or prepaid card

Hi, Sir/Madam : I have a TD band Visa credit card numbered XXXX XXXX XXXX XXXX, and I found the below three transactions are not recognized : XX/XX/2020 XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX # XXXX XXXX NM XXXX NM XX/XX/2020 XXXX XXXX XXXX VA {$50.00} So I called TD bank for above fraud charges, because I never went to New Mexico to buy anything with this card since the COVID -19 travel restriction and TD bank closed this account immediately on XXXX, and I got the new card on XXXX. 
I called TD bank to on XXXX to learn whether I have the temporary credit for above three transactions, but TD bank employee, XXXX works at the Dispute Department, told me that it is not guaranteed d to have the temporary credit. 
I replied that when your company closed my credit card and informed me that I will have the temporary credit since I paid above charges. And per government regulation : For your credit card, it can take longer, but you dont have to pay the charge while its under investigation. 
But she told me that she can only memo our conversation but she cant issue the temporary credit into my account. That is not right because bank should issue the temporary credit during the investigation, if bank provided those charges with my signature, they can charge it back into my account. 

But they are unwilling to do so. 

Thus, I have to submit my complaint online to get your help and your understanding and efforts will be highly appreciated! 

VR XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance Owed : {$16000.00} - Late/Closed
Product: Debt collection

After pulling all 3 of my credit reports, I've notice a collection debt from TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS XXXX. # XXXX AND # # # # # # XXXX YOU CAN SEE DIFFRENT COMPANY NAME ON EACH CREDIT REPORTING BUREAUS AND ACCOUNT NUMBERS, ( THE XXXX ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract/application with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED PERMANTELY FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XX/XX/2017 no judgments are to be reported on neither 3 credit bureaus. This is illegal again I do not owe this debt that the TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS INC/ has reported, and it is not mine. I request that TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS INC/ REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX XXXX XXXX AND XXXX XXXX I DON'T EVER WANT TO SEE THIS ILLEGAL ACTION ON MY REPORT EVERY AGAIN. I'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON MY REPORTS!
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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; INFORMATIVE XX/XX/XXXX XXXX XXXX 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 you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Checking or savings account

Discover refuses to allow me to log on. I have to go through all verification and change password each time and when I log back in it doesn't remember and wants me to call. Discover is stealing my money.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/11 while I was out of town in GA someone created a Western Union online account in my name and withdrew {$490.00} from my  checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and Western Union multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call Western Union or text Western Union during that time. I am not sure if this has been happening to anyone else, but something needs to be done.