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

According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. In addition to the Fair Credit Reporting act the listed account has violated my federally protected consumer rights, XXXX XXXX  # XXXX. The creditor XXXX XXXX  has been reporting the same account listed twice to my credit report .Each time showing the same account number, balance and charge off status. Thus this duplication and inaccuracies has caused harmful credit reporting practices with significant harm to my credit scores and misrepresenting my credit history. This account violates these laws : 15 U.S.C. 1681e ( b ), 15 U.S.C.1692e, 12 U.S.C . 5536
Product: Credit card

I am filing a complaint with this credit card issuer in regards to XXXX of my accounts with them which are as follows : JCPenney, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Walmart Store Card, XXXX MasterCard. All of these accounts were frozen by this credit card company. After I called in to see what was goin on, they told me that their " Fraud Department '' wanted to verify my identity and would be sending me some forms but would NOT tell me which kind. Being a good citizen and honored veteran, this situation made me feel nervous so I wrote a letter and emailed it to the CEO 's office ( XXXX XXXX ). I received a phone call from XXXX and she explained that they wanted me to complete a XXXX form to verify my income. I advised that I am a XXXX Veteran and that my income is Tax Exempt and I do NOT file a tax return and therefor could NOT complete this form. She assured me that I could provide an alternative means to complete this task and that someone would be contacting me. I did receive a call from XXXX XXXX who said he works in the " FRAUD DEPARTMENT '' and needed this XXXX form to verify my identity. I offered to send my Passport, Military ID, etc to provide such proof and he later explained that no actually they just want to verify my income. I explained that my income was tax exempt and that I could provide him with the " VA Awards Letter '' which provides proof of my income that all MORTGAGE LENDERS, AUTO LOAN COMPANIES, CREDIT UNION 'S, PROPERTY LEASING AGENT 'S, accept as final proof of income, pretty much everyone EXCEPT for this credit card issuer. I was told that unless I signed this stupid tax transcript request form that all of my accounts would be closed and that there was nothing I can do. So I am only left to assume that I am being unfairly harassed. Perhaps they have a problem with XXXX people or XXXX veterans and it is their way of discriminating against us. I have had the privilege to meet XXXX XXXX our great Attorney General of Florida as well as my State Senator XXXX XXXX and I am very sure they would not be happy about being harassed by this company for NO APPARENT REASON! I would like them to end this ridiculous game they are playing with me and unfreeze all of these accounts which by the way all have XXXX balances and when I use them I pay them in full each month like a responsible person should or allow me to only send them my " VA AWARDS LETTER '' like any normal LENDOR would accept and end this game that way. If this issue is NOT resolved, I promise that I will spend every minute of my day informing Veteran Service Organization 's, Media Outlets, Local News Channels, Cable News Channels, Print Media, Social Media, etc. of how a " War Hero '' was harassed by this Company and I will make it my mission in life to make sure that this type of behavior never has to be tolerated by a Service Connected XXXX Veteran again! Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card has not been updated on my XXXX report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided XXXX with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course XXXX website is not allowing me too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed.

On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed.

On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. 

Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.
Product: Debt collection

Keep getting a phone call from   XXXX   XXXX    ( 3rd Party )   XXXX   XXXX   XXXX  file number, requesting payment for  XXXX  office balance in collections.     I am not disputing the charge but would rather pay the  XXXX  office directl y (   XXXX    XXXX     XXXX   )  due due to unprofessionalism by  XXXX   XXXX . I constantly get call from them where I am being harassed, I get left messages intimidation such us, " serious issue involving yourself '' as if it 's life of death.     A t one time I was blind transfer red to someone else whom I was not comfortable with.     Also, never was known of a balance from  XXXX   XXXX  and that they would send to collections had I not paid, this was never disclosed to me, so I should be able to pay them directly as they never notified me that they would send to collections.     Just recently spoke to  XXXX   XXXX   ( not  sure of spelling ) and again was very rude, threatening to sue, telling me I should pay now when I explained I 'd rather pay the office directly, telling me, " get it out '' " what 's the number '' repeatably in regards to my credit card.     Again, I do not mind paying but do not want to be involved with  XXXX   XXXX , they show no courtesy to the customer.     Please help
Product: Debt collection

I asked who and why they are calling my XXXX XXXX XXXX mother 's phone number all day and night. They also call my cell phone number all day and night. Sometimes the numbers are private numbers. I've told them to stop calling twice now. I've asked them why they are repeatedly calling us. 

I received a " XXXX XXXX '' for animals a few months ago. I made one payment, and have been harassed by them ever since.
Product: Debt collection

I was in a car accident in XXXX and was taken by ambulance to the hospital. This bill was paid from my XXXX car 's Personal Injury Protection insurance. 

On XX/XX/XXXX my credit score was XXXX, I happened to check it recently and found a company PHOENIX FINANCIAL SERV in the collection section of my credit and my score dropped over 100 + points. I immediately contacted them to ask what it was for, and they said it was an old debt for medical. The woman on the phone was beyond rude and asked for personal information. I ended the call and filed a dispute to have this removed through XXXX. A week later, the company confirmed on my credit report that it was paid, but they have not removed it. This is an erroneous credit hit against me. 

XX/XX/XXXX - called XXXX today and they said I have to " fight '' with this company to have this removed from my credit. I am astonished a company can just place a medical collection on my report and refuse to clear it from my report after confirming with the credit bureau it was in fact paid and is not a valid collection. 

Company Name that is reporting this charge : PHOENIX FINANCIAL SERVIC 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 {$1900.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1900.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX How can a company find a 6-year-old invoice from my medical history and claim I owe this amount? Why haven't they removed this after it was proved to have been paid from my medical insurance? 

What help can you provide me? I am very conscious of my credit and pay all my bills on time, this company needs to remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

" XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner.
Product: Credit reporting or other personal consumer reports

Transition and XXXX did not freeze my credit when I requested it
Product: Credit card or prepaid card

i was looking for a flight and the person who was looking to help me with that asked me for all my information including my credit card info i advised to him i was shopping for prices that if I'm interested i will call him i advised him I was shopping around he said in order for him to give me the arcuate quote he needed all that i advised to him not to use my credit card he advised no worries so i show that i was charged {$1000.00}. And i called him he advised he did it in error that with in 30 days i would get refunded i continue calling him and he doesn't reply so i called capital one once and advised them of that and they refunded me that but then they charged me that again so i called they sent me a link to send proof of the conversation with that person whom i sent emails claiming my refund of XXXX he replied it will be processed within 30 i will see it in my account so capital one says the need a recipt as proof if i never perches it and i sent them all emails as proof the say oh it's not enough and it's in XXXX so they can't do nothing so i Letterly don't understand them what else can i provide i have emails. Form that person and still as of yet he doesn't respond
Product: Debt collection

As a consumer, I did not give permission for this to be on my credit report, cease and desist please remove off my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX XXXX XXXX XXXXF XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Mortgage

I applied for a loan with Quicken Loans and based on the 3-major credit agencies I have a score reported over 650. To refinance you need a min score of XXXX. Quicken loans came back with a reported score of XXXX, which is suspect as how could they come back with a score of almost 50 points lower than my highest score of XXXX. If they the result was based on my DTI or income I could understand, but I feel they are using a score model that is not favorable to minorities or individuals that choose not to disclose their race or ethinc background.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identiy theft, could you please remove the below inquiries as well as the inquires attached to my identity theft report? 


XXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/2022 Experian XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 Experian XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian Also, I would like the below address deleted from my credit report as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA, since the addresses is incorrect. 

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

I am XXXX driver. 

Checkr prepared wrong background check report! 

I emailed them more than 20 times but they didn't correct it.

They wrote in the report I was guilty of " UNLICENSED DRIVING. '' However, in the court, I was found NOT GUILTY! ( I attached certificate of disposition, court decision document ).

Because of this wrong information, Checkr labeled my report " CONSIDER ''. 

In XXXX and Checkr language, consider means " NOT CLEAR '' Because of this wrong information, they labeled my report " CONSIDER '' ( NOT CLEAR ), and after that, XXXX deactivated my account!!! 

I emailed Checkr more than 20 times but they didn't change the " consider '' label although I sent them the certificate of disposition!!!

I was found NOT GUILTY FOR " unlicensed driving '' and I WANT CHECKR TO REMOVE THIS " CONSIDER '' ( consider means not clear, not pass ) LABEL!!!

I CAN NOT WORK FOR ALMOST 3 MONTHS BECAUSE OF THEIR MISTAKE.
Product: Credit card or prepaid card

I, XXXX XXXX, am a Consumer/Natural Person. Navy Federal, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that Navy Federal has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking specified remedy as a Consumer/Natural Person. I am demanding the following : Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports. 
Cease communication and use of my intellectual property, unless it pertains to the remedy for violations that occurred. Any further communication with the Consumer must be in writing, delivered via mail to the mailing address located below.

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands within 14 days of receipt of this notice shall : ( a ) be taken as tacit agreement to the claims set forth, ( b ) grant the Consumer all demanded remedies, and ( c ) may result in litigation XXXX XXXXXXXX Consumer/Natural Person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit card or prepaid card

I received a call on XX/XX/22 from someone indicated they were with XXXX and asking if I had made an online purchase on XXXX and used my XXXX XXXX for $ XXXX. They wanted me to confirm that this was correct. I stated that I did not make a purchase and they wanted me to verify my card number which I did not do. I then proceeded to ask them where their office location was and all they would tell me was they were located in XXXX but they could not give direct address for privacy concerns. I was then transferred to another individual who stated they were from US Bank ; I told this individual that I did not own any cards issued by US Bank. He then used some profane words towards me and hung up. I don't need anything resolved from this call but wanted to make sure to report the number and incident. The number I received a call from was XXXX.
Product: Mortgage

In XXXX XXXX our fresh start loan was sold to. Nationstar mortgage Plc. 
We tried to make a payment each month but they did not have all the paperwork from XXXX. After a few months of this excuse my husband actually called XXXX they stated to him all paperwork had been forwarded. Finally my husband thought he was being scammed they stated they could not accept any phone credit card check by mail only XXXX XXXX. Even though they kept sending monthly statements to us. They decided to foreclose on our home, I requested a modification through MHA they sent out the paperwork I got it back to them. They used my overtime to calculate my acceptance so instead of us having a smaller monthly payment now it 's way more and they wanted escrow for taxes and insurance. Our first payment did include a down payment first month payment and escrow. Two days ago I received notice my homeowners insurance is being cancelled for non payment. I also included this with my contract a copy of the invoice. Tried to call my contact person to find out why? I was. It going to leave one more message. Pressed zero got on the phone with XXXX told her what was happening she agreed to get a team lead on with us he said it will be a couple more days until they have it figured out Really!! I do n't have that my house insurance will expire on XXXX/XXXX/XXXX. I was on hold for over twenty minutes I had to go lunch was over. The foreclosure is not closed yet as of XXXX/XXXX/XXXX. " They are not done processing my loan ''! I have heard a couple days for everything now they said my foreclosure was moved to XXXX XXXX XXXX. I have an attorney and I am willing to go to any length to make sure this does not continue for us or anyone else. Also when we first got approved it was 8 % then the contract comes they know they have me by the nose it 's adjustable every two years until it 's 10 %. Is n't there a truth in lending? Or am I just stressed out enough over all this! You bet I 'm stressed I have been dealing with this for two years now! Can or will someone help me? I need an injunction and someone there the person who owns this company needs some jail or prision time. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for six months to Santander during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX ) on the loan to Santander and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to Santander with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Santander was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer Santander is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.
Product: Mortgage

During a divorce settlement I was awarded the home and part of the decree was to refinance in my name only. I began that process in XXXX XXXX. My bank is wells fargo/ASC. ( American servicing company ) I used a third party broker to manage the process for me and after several months I was approved for the HAMP program. XXXX of the requirements was that my ex wife sign a quit deed prior to closing. She would not, because she would give up rights to the house and still have the financial burden. 

As soon as Wells Fargo found we were looking to modify our loan they wanted to be our new best friend. They have done nothing but XXXX it up and to this day continue to keep the process from moving forward by providing outright lies to my ex-wife about the process. They certainly do n't want me to qualify for HAMP, it 's not in their best interest because the house is underwater and they would have to give up their 6.5 % mortgage which increases again XXXX XXXX. Now they begin a campaign of sheer confusion. I receive a letter regarding the program and notified the clerk ( to be named ) that we were using a third party and thank you. This person on almost a weekly basis would send a package of documents to my ex wife to be filled out. We explained that it was me, not her that was trying to qualify and asked him to step out of the process, we had it in hand. The overnight packages continued to my wife with the same old requests about her financial information. This shed doubt with her about the program because she could n't understand why he would continue. He has never contacted me personally or responded to any emails. 
I was eventually approved under the program with a lower home value and lower interest rate which provided savings of {$1000.00} per month. I 'm XXXX and live on social security and now that I have the burden myself of the mortgage I needed assistance. I received a letter from someone at Wells Fargo that has never returned my call that said they power of attorney to negotiate with my broker. Unless it was snuck into the mortgage paperwork, I never signed any such thing. This started in XXXX XXXX and now it 's around XXXX that we start running out of time due to the program ending XXXX XXXX. My ex wifes attorney calls and asks this clerk about my process and he told the attorney my loan did n't qualify for FHA refinancing. That 's fine, I was applying for a modification which it fell into as a category. Based on that my ex wife 's attorney sent an email rescinding interest in signing a quit deed. Now I 'm XXXX. It 's not easy to qualify, you have to provide tax returns, financial statements, a hardship letter, and with XXXX intentional lie this bozo wipes out 5 months of work. The house is worth less than the mortgage outstanding and have really to options, require these people to stand up and be a legal corporate citizen or bring a moving truck and let it be, they will be the proud new owner of a home I can assure you they wo n't want.