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

Since XX/XX/XXXX after settling this account with XXXX, I have asked that the account information be corrected. The original lease amount is not the amount that is being reported. However my issue is that after disputing the account in XX/XX/XXXX. Experian has updated the account with a new closing date which is inaccurate. The account now shows it was in charge 30 days late, 60 days late collection and then charge off status. It went into good standing from XXXX then closed. This is factually incorrect and a violation of my rights. I called XXXX XXXX  in XXXX to request a goodwill removal of the 30 and 60 day lates. I was told that since the account was closed in XX/XX/XXXX only Experian can update the account. Only for them to update and inaccurately report a new status if Closed as if XX/XX/XXXX. 

I am requesting a new investigation of this account and to be updated or deleted due to numerous inaccuracies.
Product: Vehicle loan or lease

I informed Santander Consumer USA on XX/XX/XXXX, that I am in the process of filing bankruptcy but have continued to receive multiple phone calls. I contacted them again in on XX/XX/XXXX, and told them to please stop calling me as I am currently filing bankruptcy but they have continued to call. Santander Consumer USA has placed at least 79 calls to me 3 times per day using 3 different phone numbers since XX/XX/XXXX. Santander 's harassing and aggressive behaviour are one of the main reasons I've decided to file bankruptcy as they refused to refinance or lower my monthly payments.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. This is discrimination and misleading on XXXX  part, I am now being harassed my XXXX, XXXX have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. 
Additionally all credit bureau Experian, XXXX, XXXX violated the Fair Credit Reporting Act. 
XXXX, XXXX, EXPERIAN, XXXX are negligent non-compliance, 15 U.S.C. 1681o. 
Please delete this account immediately from my credit reports.
Product: Debt collection

Portfolio Recovery associate has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter portfolio sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given portfolio any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, portfolio recovery just don't respect the law!
Product: Mortgage

On my mortgage statement on XX/XX/XXXX, i noticed an escrow shortage of XXXX. So on XX/XX/XXXX, my husband sent a check to the escrow department through his bank ( XXXX XXXX XXXX XXXX XXXX ) in the amount of XXXX. The escrow had to be paid by XX/XX/XXXX. Before i paid my escrow my mortgage payment would have been XXXX for XX/XX/XXXX. However, after i paid the shortage, my payment should have been XXXX. I noticed my payment had not changed. So, I contacted Ditech to inquire about this matter. I was told it had been corrected. Nevertheless, the site is still showing my escrow has not been paid. On XX/XX/XXXX, my husband sent a check for XXXX then on XX/XX/XXXX another check was sent for XXXX. Moreover, another payment was sent on XXXX on XX/XX/XXXX. I have spoke to XXXX different representative at Ditech to try to get the issue resolved. In fact, the last XXXX representative XXXX ID # XXXX and XXXX ID # XXXX who i spoke to on XX/XX/XXXX told me they were sending an email a supervisor to get my account corrected. So i checked the website to see if it had been corrected and found no change at all to my account. I called Ditech again today spoke to XXXX who said she did not have an ID # who said she was putting in a request to have my account corrected. I am really frustrated. So i asked to speak to her supervisor XXXX ID XXXX at call center in XXXX XXXX, XXXX XXXX I ask if she could see where a request had been made to re-allocate the money i had sent them. Oh course, she stated she saw the request.However, i have been told a request had been made so many times that i do not believe anyone is correcting my account. So, i asked for the representative who was assigned to my account XXXX # XXXX. I told her how many representative i had spoken to and how long i had been waiting to get my account corrected. She was rude and overtalking me saying there is a process and she can not snap her fingers and fix the program. I advised her that i paid my escrow on XX/XX/XXXX so how long should it take. She just kept talking over me. So i asked to speak to her manager, XXXX, Collection Manager, who said she did not have an ID #. These people are rude and does not care about resolving issues with their customers. My statement is always incorrect. I believe they purposely make the statements look like their customers are late on their payments so we can not move our mortgage to another mortgage company. It is deceitful. I have asked each representative to send me an email verifying they are having my account corrected but they all said they can not send me an email detailing our conversation. Can i send them a validation letter? I need something done about this mortgage company. My statement is still showing i have not paid my XX/XX/XXXX payment when it paid on XX/XX/XXXX and my escrow has not been paid. Furthermore, i have paying late changes they say the mortgage company before them said we owe. Bad Company ... Beware ... .just like Greentree Servicing ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 XXXX CARD XX/XX/2020 XXXX CARD XX/XX/2020
Product: Credit card or prepaid card

I got a card from Cash App card in my maiden name I have not applied for a cash app card. And I haven't used my maiden name in 11 years. Someone got a cash app card in my maiden name and I'm afraid they are using it for fraudulent activities banking activities and I'm afraid someone is trying to steal my trying to steal my identity and mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.
Product: Debt collection

Ability Recovery Services , LLC has been violating me as a consumer under the FDCPA as follow : 15 U.S.C 1692b ( 2 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC STATING THAT I OWE A ALLEGED DEBT. 
15 U.S.C 1692c ( 1 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC DID NOT HAVE PERMISSION TO CONTACT ME. 
15 U.S.C1692d ( 2 ) - I DID NOT LIKE ABILITY RECOVERY SERVICES , LLC TONE WHEN I READ THE LETTER IN THE MAIL.

15 U.S.C 1692d - ABILITY RECOVERY SERVICES , LLC IS ADVERTISING MY DEBT TO COECRE PAYMENT OF THE DEBT ON MY CONSUMER REPORT. 
15 USC 1692B. ( 5 ) - ABILITY RECOVERY SERVICES , LLC IS ARE USING LANGUAGE AND SYMBOLS TO INDICATE THAT THEY ARE IN THE DEBT COLLECTOR BUSINESS. 
15 USC 1692g- FAILED TO SEND ME THE REQUIREMENTS/ABILITY JUST SEND ME A CONTRACT. DID NOT GIVE ME ENOUGH INFORMATION TO VALIDATE A DEBT.

15 USC 1692k - ABILITY RECOVERY SERVICES , LLC NEEDS TO COMPENSATE ME FOR RUIN MY CONSUMER REPUTATION AND MY FINANCIAL INJUry. 

ALSO, THEY ARE SAYING THE XXXX IS THE Original creditor but in reality, I am the original credit according to 15 USC 1602 ( f ) and I do not owe this alleged debt. See attachments for proof that Ability is in violation of FDCPA and Affidavit of Truth was sent to Ability recovery services.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have the incorrect employer information I have called all XXXX several times to change it and its still on my report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is my employer I want one name on my credit report Ive also called them multiple times to change it and they refused to do it and have ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my name as XXXX XXXX and dont have my second last name Legal name is XXXX XXXX XXXX XXXX are also in violation of my HIPPA rights by reporting Medical bills on my report and have spoken to them about it several times XXXX XXXX XXXXXXXX IN Original creditor : XXXX XXXX XXXX XXXX {$200.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX {$1300.00} Date XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$2300.00} Date XX/XX/XXXX When I called Experian they advised me that it wasnt a violation of my HIPPA rights since the hospital doesnt show them the break down of the bill so I ask them how would they know that the amount theyre reporting is correct and she said she was going to transferred me to her supervisor and hang up. Therefore if the account cant be verify than accounts must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted documents for an employment data report from The Work Number by Equifax. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed Equifax as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. 

After submitting the reply on XXXX, I also attempted to call Equifax in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for The Work Number by Equifax and they were supposedly able to get a message forwarded to a XXXX regarding this issue, but it appears that has not helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$8500.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : XXXX. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
XXXX. Validate Account : XXXX XXXX XXXX. Account Number : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX & XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts couldn't be paid due to wifes medical and loss of work. Both of my capital one accounts went into collection. A company called " XXXX XXXX XXXX '' handled the accounts through negotiation in XX/XX/XXXX. Both accounts were paid in full, but never removed from my credit reports. XXXX XXXX XXXX has been trying to help me get these fixed with no help. Capital One is saying I still owe them money and wont update my credit report after settling their agreement terms. I have contacted Capital One over 10 times over the last month trying to get " payoff '' letters to fix my credit myself. They refuse to give them to me even though I have paid them.

One account had a balance of {$2900.00} and was settled for {$1400.00} with the last payment being made inXX/XX/XXXX. The other account had a balance of {$1200.00} and was settled for {$630.00}. The last payment was made XX/XX/XXXX. Capital one will not give me the payoff letters I am due to file on my taxes for XX/XX/XXXXyear. That is the legal requirement and I will be reporting them to the IRS also.
Product: Credit card or prepaid card

I have a American Express Platinum Card which has a benefit of {$200.00} annual credit if you book through their travel program. I got {$100.00} credit in XXXX. I did the second eligible booking in XXXX to recieve the remaining credit, which is {$98.00}. I saw two transaction on the statement that initate by American Express. One was a {$170.00} dedit on XX/XX/XXXX, the other was a {$200.00} credit on XX/XX/XXXX. The result only net me {$26.00} instead of {$98.00}. I opened a dispute and tried multiple times to explains the situation and let them know that I did not make any purchase of the amount {$170.00}. 
They keep denying on mu dispute and everytime with different reasons. To me, it is a simple technical error. All they need to do is to filter all the transation of mine with their travel program in 2022. 
I filed this complaint because it is not just the loss due to their error, but also lack of the attitude for a long-time customer.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. 
TRANSUNION FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX You are in direct violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Capital One Quicksilver Card ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove any late payments and update the above listed accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Checking or savings account

I have been a customer of Chase Bank for over a decade. They have my mortgage and I have a checking account with them. I live in XXXX County in California. The only two branches of Chase in XXXX County are in XXXX ( the County seat ) and XXXX ; both of these branches have been closed for at least 10 day. To make matters worse, the ATMs at these branches will not accept any deposits or disperse cash. This has created a hardship on many residents of this area. There was no advanced notice of this closure. Many people have gone to other banks and have been charged fees to use that bank. I drove to XXXX XXXX, 70 miles each way. 
I have spoken to representatives from Chase on three different times and I have contacted them via web and e-mail twice. 
Up until this happened, I was happy with Chase and I do not take any pleasure in reporting this to the Federal Government, but something needs to be done to correct this problem. 
I have a news paper article about this issue and pictures of the closed branch in XXXX taken midday on Monday, XX/XX/XXXX.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with L J Ross Associates. On XX/XX/2023, LJ Ross Associates reported a balance of {$500.00} which negatively affected my credit rating. I asked for validation of the debt to which they did not provide. I have disputed this account with XXXX, but the account was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}
Product: Student loan

Discover Student Loans was unable to offer me a further repayment option when payments were made on time without issue but my financial situation was explained at several occasions. I have remaining forbearance on the loan and was denied access to forbearance to allow me time to get back on my feet. As a result I seemed consolidation with another agency and during that time of the company completing pay off Discover reported me to the credit bureau that has now effected my credit score. My financial situation was well documented and Discover would not accept any documentation nor allow me to continue to the lower repayment plan until I could get stable financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$81000.00}