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

I am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.
Product: Credit reporting

I recieved my credit report and I noticed incorrect and inaccurate items I wanted to dispute them I used the address provided multiple times on the report equifax sent me only to find out that the address is invalid by the United States Post Office
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review I found the following inquiries on my credit report that I did not authorize. The unauthorized pulls of my credit file by this creditor took place on XX/XX/year>. A copy of the police report is attached.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report ACHIEVE PERSONAL LOANS
Product: Credit card

On XX/XX/22 I was cohered buy some items I didnt want to a beauty store selling creamed in XXXX XXXXXXXX XXXX XXXX . Two charges were made to my XXXX credit card ending in XXXX one for {$550.00} and other for {$10000.00}. These charges were refuted and a XXXX rep said nothing could be done. I continued complaining almost every month. Banco Popular representative of XXXX answered letters saying the same thing that i had complained out of time ( XXXX ). I continuded complaining and to my surprise from the bank notifiying that after investigation they were crediting XXXX to my account. No further explanation was given. I was never sent a letter that this was a settlement in accord snd satisfaction regarding the other amount of XXXX. Again I complaint and received a letter explaining that my complaint was received out of time. XXXX nor the bank can arbitrarily decide what amount, made with same card, same day, almost same time return or not using the same excuse that both complaints were filed late. They can not go against their own act for the same issue ( estoppel ) .their acts go against this doctrine.. the same way the decided to refund the lesser amount, they have the obligation to refund the larger amount. I want my money back. The store is XXXX  They have complaints in the police and consumer dept. and havent won one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : Experian, XXXX and XXXX. 
In XX/XX/XXXX my mortgage company, XXXX XXXX XXXX XXXX XXXX, erroneously reported to the three main credit reporting agencies that my XXXX, XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XXXX, XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX. 
In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XXXX, XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : Experian, XXXX and XXXX  sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent AUD XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with Experian, XXXX and XXXX  on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$7900.00}
Product: Money transfer, virtual currency, or money service

I made online purchases on XXXX and selected the payment method as paypal. After I submitted the order, i received an invoice from paypal asking me to click a link and authorize the invoice for payment. I have completed the authorization as it is a genuine email from paypal and my payment method is paypal. What happened was that someone hacked the XXXX retail website and sent invoices through paypal. Paypal is not able to refund me as they say that I have authorized the payments, however, they are unable to give me valid reasons as how some fraudulent people are able to register as a seller and was able to send an invoice thru paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and completeness of this account on XX/XX/2022 and AD ASTRA RECOVERY SERVICES certified and verified that the information being reported is accurate. After AD ASTRA RECOVERY SERVICES verified the information as being reported accurate on XX/XX/2022, I pulled my XXXX consumer report and noticed that the information is still incomplete and inaccurate. It's clear that AD ASTRA RECOVERY SERVICES failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o . There is abundant evidence that AD ASTRA RECOVERY SERVICES was abusive, deceptive, and unfair in their debt collection practice and it's clear that AD ASTRA RECOVERY SERVICES used false and misleading representations, causing me to be oppressed and abused. This is a failed requirement of Regulation F under 12 CFR 1006.18 and 12 CFR 1006.14 and is a violation of 15 USC 1692d and 15 USC 1692e of the Fair Debt Collection Practices Act and AD ASTRA RECOVERY SERVICES is liable under 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX  account ending in XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. 
On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. 
On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. 
Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. 

Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. 
2. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a XXXX time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. 
XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from Comedity Bank/Sephora : The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 
5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. 

**ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED**
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and Experian on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX  my laptop computer was hacked. The hacker was able to withdraw on the XXXX from my PayPal credit three transactions. I wrote to Synchrony Bank they removed two of the transactions but one still remains. PayPal refuses to remove the one for no reason that thy can explain to me. 
Paid with PayPal Credit {$210.00} Transaction ID XXXX I would appreciate any help you can give me.
Product: Mortgage

This complaint is in regards to non response to my inquire to LoanDepot for a Credit/refund for increasing the closing costs above the legal limit. 
The question I asked XXXX XXXX was why we received a credit against our closing costs. 
His reply was 'there is a threshold that can not be exceeded for all mortgage loans in this area '. 
Our closing costs increased yet again ( substantially ) and I asked two times if we are due another refund or credit. Unfortunately, those questions were not answered. 
Closing occurred on XX/XX/21 but no disbursements have yet been made. 
Messages regarding the credit/refund were sent prior to closing taking place. 
All I want to know is if a credit/refund is ( was ) due for the closing costs going even higher and further exceeding the allowable limit in my area. 

I had to submit complaints to XXXX  and a previous complaint to CFPB ( # XXXX ) just to re-establish dialogue between myself and LoanDepot representatives since closing was delayed well over a month. 

Please help me answer this question. 
Thank you.
Product: Mortgage

Truist Bank raises our monthly payment claiming there is not enough money in escrow account to cover taxes and insurance when in fact there is surplus on funds to cover both.They also add a late charge and put the next payment as unapplied funds on our statement.Ihave tried to resolve this issue but it keeps happening.It is very confusing to try and figure out what they are doing and why.Our monthly payment is on autopay from our financial institution, meaning payment is made every month at the same time.PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I received a  XXXX  form dated for   XXXX   from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   accoun t ( credit card ).  I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00 } ( this is not correct and is severely damaging my credit reports and credit scores ). I de mand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Product: Checking or savings account

Hey, Im joining the military and leaving for boot camp soon. Ive only ever had a bank account with my mother which was a childs account. I was told by my recruiter to open XXXX preferably XXXX XXXX, I recently got denied and was told to call and get a consumer report I dont know what else to do just want to open the account any help would be appreciated thanks.
Product: Mortgage

End of XXXX I contacted PHH Mortgage with a rep from XXXX program who was assisting my family with making the payment. When on the phone with PHH mortgage the amount that was outstanding was confirmed. The amount outstanding was roughly XXXX this amount was good until XX/XX/XXXX at which time the amount outstanding would change. I mailed a cashiers check to XXXX for the amount of XXXX and they made out a check for XXXX. Both checks where mailed certified mail to PHH mortgage. We have signatures showing when they received the payment. I received a letter on XX/XX/XXXX stating that the cashiers check I sent was not able to be applied to my account because it is not the amount to cure the outstanding amount owed, when what we sent was the amount they told us. This is not the first they have messed with us like this. They have done illegal and shady stuff with our mortgage and it is hard for me to type out all the things they have done to us. I am afraid they are gon na come after us when we paid the outstanding amount to bring my account current that they told us to pay. I am so frustrated with this company. Around every corner they're doing something shady and changing what you just got informed to do to benefit themselves.
Product: Debt collection

On XX/XX/2022 I noticed on my credit report a collection account for the amount of {$390.00}. So I contacted the original creditor which was FOUR XXXX XXXX  P. as written in my credit report. I asked them why they sent it to collection without contacting me, she took all my info down and stated we haven't sent anything in your name to collection your insurance took care of the balance so I called DEBT RECOVERY SOLUTIONS and explained the situation and she just kept arguing with me I told her to call them and ask and she said no I don't want too. I my understanding false claims on credit report are illegal .I don't really know what to do.
Product: Credit reporting

The following incorrect names and addresses are on my credit report. 

Misspelled/Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misspelled/Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( missing apartment number )
Product: Credit reporting or other personal consumer reports

I do not understand why this is so difficult. I provided my driver license and a copy of my passport with my other complaints to CFPB. 
Now I look at my transunion report and they have the wrong date of birth. They have XX/XX/1971. As shown on the submitted documents it is XX/XX/1971. It was always correct before but now all of a sudden it has changed. Do I need to get a attorney to handle this? This is crazy! This is taking hours, days, weeks even months of my time.
Product: Debt collection

Easy Acceptance is alleging I owe they know I do not. The contract which acts as the note is the security that bankrolled this credit transaction. Easy Acceptance also repossessed the car so they incurred no loss because they still have the contract to trade for profits and the vehicle. What Easy Acceptance is doing is known as securities fraud which is punishable under federal law. Selling this deceptive information is also a violation of the Fair Debt Collection Practice Act. 

Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Product: Debt collection

Enhanced Recovery is reporting money is owed ( over {$1000.00} ) on an account that the original creditor ( XXXX ) can not verify belongs to me. I have been back and forth with them and original company to no avail. This account must be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON XXXX, XXXX AND TRANSUNION. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX, XXXX, Transunion multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution
Product: Student loan

I am no longer in school and paying a student loan from XXXX XXXX which is now known as Navient. They are providing incorrect information on my credit report which is leaving me in limbo from purchasing my XXXX home. I agreed to their terms of payment and paid on time. I have asked for documentation regarding the loan and updating my report. They said they will not provide any information. This issue is only on XXXX credit report and I need help getting it resolved. I submitted a dispute with XXXX and am waiting to here from them. Is there anything legally to do?
Product: Debt collection

Credit Card debt was paid off in XXXX 2013. XXXX in conjunction with Discover continues to take {$35.00} out of my checking account monthly as a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Company was contacted by a family member claiming they were helping me with obtaining a mortgage. The broker ran my credit report discussed my financial information with this family member and then gave them a copy of my credit report. This was done without my knowledge or consent. Upon contacting the mortgage company, they apologized for the oversight of not confirming my authorization and offered a XXXX subscription should this individual attempt to utilize my information.