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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items found in my credit report. There are several inaccuracies in my credit report that I would like to bring to your attention. 

Firstly, regarding the XXXX inquiry, I would like to inform you that inquiries have reached the statute of limitation, and therefore should be removed from my credit report. 

Secondly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Thirdly, the account number XXXX from XXXX XXXX has questionable information regarding its name and number. I demand that you either clarify this information to me or delete this account from my credit report immediately. 

Fourthly, the account number XXXX from XXXX and account number XXXX from XXXX have both been charged off, yet they still have a payment history. Please delete these accounts from my credit report immediately. 

Fifthly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Sixthly, the account number XXXX from XXXX XXXXXXXX XXXX  is unfamiliar to me, and I demand that you remove this frivolous account from my credit report immediately. 

Seventhly, the account number XXXX XXXX XXXX has been verified by you, yet the other bureaus have not been able to do so, and they have removed it. I demand that you delete this inaccurate account from my credit report immediately. 

Lastly, the account numbers XXXX and XXXX from XXXX XXXX XXXX are unfamiliar to me, and I demand that you remove these frivolous accounts from my credit report immediately. 

Furthermore, the inquiries from account numbers XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX have all reached the statute of limitation and should be removed from my credit report. 

I kindly request that you investigate these inaccuracies and take appropriate action to correct them. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. Thank you. The company is JEFFERSON CAPITAL SYSTEM
Product: Mortgage

I had a HELOC equity line account with XXXX XXXX  XXXX, opened in XXXX. The loan was sold to XXXX XXXX with the servicing company SELENE FINANCE. I have been current on payments all the way through XXXX, at which time SELENE offered to allow deferment due to hurricane Irma and damages, loss of income I received. The payments were always around {$250.00} for the Equity LIne. I signed a deferment with Selene and the payments went to {$580.00} during the deferment period. After the deferment ended in XX/XX/XXXX I was expecting the payments to go back down. Instead Selene insists that my payments are now {$1200.00} a month. Stating that the loan was past due and reported my loan 120+ late. I have tried to work with Selene who offered me a modification. I am now receiving certified letters stating INTENT TO ACCELERATE on my loan. I do not want to lose my home. This is my primary residence. IF they take my house, my daughters and I will be XXXX.Selene Finance sent me a letter dated XX/XX/XXXX stating if I do not pay {$13000.00} by XX/XX/XXXX they will begin foreclosure proceedings.

Letter is attached.
Product: Debt collection

I received a letter in XXXX stating that the law firm was attempting to collect a debt on behalf of the credit card company. I wrote a letter by certified mail saying that I would pay any debt that is proven lawful and indeed owed once provided with proof that I indeed owed the debt which was to include all invoices, a signed contract in wet ink by both parties, and proof any additional proof that I am indeed responsible for the debt they are claiming. I was sent a letter stating that the credit card company still owned the debt but they charged it off on XX/XX/2024, accompanied by a stack of statements that were paid. They failed to prove I owe the debt, that they legally own the debt to collect on it, and proved that the original debt holder charged off the debt already. Since they failed to prove this debt is valid I am asking that they call off their collection efforts, mark this debt as paid in full, and retract all negative reporting to the credit agencies.
Product: Debt collection

Collection agency ( Portfolio Recovery Associates LLC ) did NOT send any communication about the debts ( on 2 seperate accounts ) WITHOUT giving me the opportunity to dispute under Federal Law. I immediately BOTH a ) emailed and b ) send letters certified mail to : a ) email : PRA_Disputes@portfoliorecovery.com b ) Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX I would like assistance on resolving this matter. 

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.
Product: Mortgage

Hi I called OCWEN Mortgage on XXXX/XXXX/XXXX to make a payment over the phone and was told that I was unable to do so, even with a POA on file. In good faith, I mailed XXXX ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) payments to OCWEN in an effort to make payments on the loan with my mailing address and instructions to send any correspondence to me regarding the payments. Per Ocwen, the checks were mailed back to me because they were not the correct amount to bring the loan current. I have sent correspondence to OCWEN via their Customer Service Link on the OCWEN web site : XXXX XXXX, XXXX and XXXX asking for an amount that was due on the mortgage in which I received a letter with an amount to reinstate the loan mid XXXX. 

Please note that on XXXX XXXX when I called and spoke with XXXX, I was not able to access any information on the loan even with a POA on file. 

Today, XXXX/XXXX/XXXX I spoke with XXXX XXXX who was very helpful and informed me that my POA had expired and needed to be resubmitted. This was accomplished via mail and the account has been updated to provide account access when I call. 

I was not informed that the POA had expired and needed to be renewed on XXXX/XXXX/XXXX when I called and spoke with XXXX, nor in any of the letters sent to me from OCWEN on XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. 

This is a problem which could have been easily cleared up on XXXX/XXXX/XXXX. However, I was never informed and have been trying to get an amount due on the loan since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX foreclosure proceedings were initiated on the loan. 

I was unemployed from XXXX XXXX until XXXX XXXX, XXXX and called to make a payment on the loan XXXX XXXX, XXXX and was not able to do so. 

The additional expense XXXX from trying to obtain the amount due could have been provided to me if anyone from OCWEN would have told me the simple fact that I needed to resubmit my Power Of Attorney. 

Thank you for your time and attention to this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as XXXX, transunion and XXXX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action. 

XXXXXXXX XXXX ( ACCOUNT - XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

For the last 12 months consumer portfolio services has not allowed me to use my final extension on my loan. An extension would allow me to get caught up on my loan and prevent damage to my credit. Customer service has even rejected my request to apply. I was not able to apply for an extension which does not appear to be lawful or beneficial. As a result I am consistently behind and have not been able to get caught up on the loan. This has also affected my credit report drastically.
Product: Student loan

I received a call from a  XXXX   XXXX  at the number  XXXX   XXXX   XXXX   XXXX  asking for personal information such as my social security number for loan forgiveness programs. After already giving him access to my  XXXX  account, I abruptly ended the call once he asked for my social security number. I am now worried that they have access to my account, even after I changed my password. This happened today,  XXXX / XXXX / 2017 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof on several occasions to Equifax that the account with XXXX XXXX XXXX should not be listed as a paid collection but instead deleted. The company said they would delete because the account was not properly verified. I submitted proof of my CFPB results of which I am doing now and they continue to falsely say the company says they verified the account is being reported correctly when I have proof attached that it is not.They are the ONLY bureau reporting this inaccurate information and I plan to take further action if this is not resolved this time.
Product: Checking or savings account

On XXXX Golden 1 Credit Union with XXXX XXXX from my checking account to pay a credit card bill. The credit card is from Golden 1 credit union. I did not give consent to withdraw any money. They did this one other time this year. 
This is a violation of the fair credit act.
Product: Prepaid card

The company is First Progressive a prepaid credit card to help build credit. When I received card in mail i immediately called to request a refund of money used to open account, explained that my daughter had applied for their services used my bank account to transfer funds to open. Had just gotten XXXX XXXX card also, I explained to Rep. Finally they agreed to close account and mail refund. That was in XXXX of XXXX still havent received they issued another card to different address I didnt authorize have to demand a supervisor to get any answers. Have been told numerous lies/excuses concerning my money. My wallet and computer was stolen, someone took money from other accounts, anyway they keep giving me a run around said they were sending refund sent a check with XXXX XXXX, last call to them they said they were not refunding my money nor removing from my credit report. I know they have a record of every call from the beginning. I just want my money returned including the XXXX they had me send in. I definitely want this removed from my credit report. I dont understand how they can get away with doing customers like this. Please help. Its not like I have money to give away, they are crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Chase replied that on claim number XXXX for debit card transactions to XXXX totaling {$750.00}, they only approved the claim for two of the transactions totaling {$61.00}. They denied the claim for the remaining transactions because they were not reported to Chase within the 60-day timeframe. On the claim number XXXX for debit card transactions to XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to us within the 60-day timeframe. I asked Chase to provide a list of all the denied transactions to make sure the denial is appropriate. We notified Chase about fraudulent transactions on the minor 's account on XX/XX/2022. As such, Chase should refund all the fraudulent transections that occurred after XX/XX/2022. There is a sentence in the letter from Chase that I am not understanding and would like them to clarify : " These transactions occurred more than 60 days after we sent the first statement for the transactions on your related claim. '' Based on the attached document, Chase incorrectly denied refunding of the fraudulent transactions. Besides, the amount on the transactions they sent in their latest later does not match up with the original not-refunded amount of {$700.00} they communicated earlier.
Product: Credit reporting or other personal consumer reports

I requested my credit report twice from the three credit reporting agencies. There was never any information supplied. On the scond attempt the only one to supply a report was Experian.
Product: Money transfers

XXXX XXXX VIOLATED THE DODD-FRANK ACT ON ME AND ALLOWED ME TO BE SCAMMED FOR XXXX IN US.DOLLARS.
Product: Credit reporting or other personal consumer reports

" These inquiries was not authorized by me and I did not communicate with this under the specified date
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name -XXXX  Account number XXXX
Product: Debt collection

I found out that there was a collection from Genesis regarding XXXX apartments in XXXX through XXXX XXXX. 

I received an initial notice from Genesis on XX/XX/XXXX via email to XXXX. Reference # XXXX. It stated I had an agreement with XXXX at XXXX regarding apartment # XXXX in XXXX XXXX, Nevada. There were no attachments of the agreement, contract, or proof that I moved in. 

I responded on XX/XX/XXXX stating I received their email and to please send a copy of the contract as I did not receive it and never entered into any contract for moving into this apartment. Therefore, I dispute this debt. 

On the XX/XX/XXXX, Genesis sent me an email with a summary of move out charges with a move out date of XX/XX/XXXX and the application. The application shows that I paid {$60.00} for a tenant screening report and was only in their portal as a prospective tenant for XX/XX/XXXX and XX/XX/XXXX of XXXX. I did not receive a copy of my tenant screening report. At that time I was denied because I needed to make XXXX x rent and was working as a temp during covid. I continued to rent my house and did not downsize at that time. 

Numerous other emails and phone calls to both Genesis, XXXX, and XXXX have not resulted in any true validation nor concern for this false and very misleading data on my credit report. It is very disturbing to know that XXXX continues to use underhanded and incorrect false statements without full disclosure.
Product: Checking or savings account

I have a account with chase XXXX  Bank I paid my car payment will XXXX XXXX with a check and it went threw on XX/XX/2022 with a check. The check was returned back to XXXX XXXX on XXXX XXXX which on the XXXX, of XXXX the funds were there. And also XXXX XXXX I made a payment to XXXX XXXX  today for the amount of XXXX XXXX XXXX XXXX dollars which is the payment every month my payment keep getting reversed the money is in the account after I made the payment XXXX XXXX XXXX I called XXXX XXXX the payment went threw. I was in the branch chase XXXX Bank XXXX XXXX and I asked did they see the payment for today they said yes my balance was XXXX XXXX and some dollars. I also was replying to XXXX XXXX  statements stating they sent the payment to chase XXXX Bank and there was a return check the agent from chase XXXX Bank stated they never received a check from crescent bank the agent from chase XXXX Bank also stated if XXXX XXXX even tried to send a payment the can see it on my account there no transaction for a check coming in said the agent from chase XXXX  Bank. XXXX XXXX  has stated they have sent the check to chase XXXX Bank and also I went threw as a payment when XXXX favors made the original payment again they have reversed another payment for today XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my Trans Union & XXXX credit profile with XXXX XXXX  XXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against Trans Union, XXXX and XXXX, XXXX  XXXX XXXX for not doing their due diligence in this matter. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you XXXX XXXX
Product: Credit reporting

There are several inquiry 's on my report that are not mines. I have written and called all the companies and I am being told that they show nothing on me nor do they see any applications that have been applied for under my social security number. A few said they would send me out a letter stating such and the majority has told me or referred me back to the credit bureaus for removal. The credit bureaus have told me they can not removed inquiry 's without a deletion letter from the company or a police report stating I was a victim of identity theft.Just need to know what can be done to bring resolution to this matter for me.
Product: Credit reporting or other personal consumer reports

I have numerous accounts in collections and I have no knowledge- this is fraud- does not belong to me!
Product: Credit reporting or other personal consumer reports

the accounts below are all paid already but i noticed that the reports are different throughout the months of them being open. Which could have been hacked without noticing even the balances XXXX  Account ( XXXX ) XXXX  XXXX account : ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX account ( XXXX ) XXXX  account ( XXXX ) XXXX  account ( XXXX ) these last three accounts i dont recognize at all XXXX Account ( XXXX ) XXXX Account ( XXXX ) XXXX XXXX Account ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. They have removed one after agreeing to remove both its been3 months 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 account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided I demand these payment be updated to on time as they should be as I was NEVER Late. Thanks