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

When I sent a complaint dated XXXX XXXX XXXX, I complaint against these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$45000.00} It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof. I included these accounts in my last COMPLAINT and I hope that the accounts ' erroneous status will be fixed. Consider this as a follow-up complaint in line with my previous endeavor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXXXXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX. XX/XX/2018. Multiple accounts and dollar amounts. 

Due to my health conditions I am unable to pay this amount.
Product: Mortgage

In XXXX I suffered a XXXX XXXX and then in XXXX I had to have a XXXX XXXX XXXX. This unfortunate event caused me to lose my ability to continue working, and being able to keep up with my mortgage payments. The mortgage Company eventually suggested a Loan Modification which would help me to keep my home. i was very happy with this offer, and was told that as long as I continued to live in my home for at least 7 years I did not have to worry. I continued to pay my mortgage and maintained a good relationship with the Company. I was eventually placed on SSI and despite the hardships I maintained my payments. My home now needs some repairs due to water damage and some updating, removals of mold which affects my health, I do not have funds to do the necessary repairs hence the need to refinance my home. 
i was approved for the refinancing and requested a Pay Off amount for my property, only to be told that I have to pay them 25 % of the equity in my home if I sold or refinanced my home, and also I must pay XXXX XXXXXXXX for an appraisal requested by their company even though I have already paid {$520.00} for an appraisal for the refinance and forward a copy to them. I am totally lost as now I am unable to proceed with the refinancing as I would have no funds to do the repairs after giving the current mortgage 25 % of my equity. I feel I was taken Advantage off because of being in an extremely vulnerable situation at the time this was done. They refuse to send a pay off Please advice and help me to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX XXXX that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX, XXXX and experian.
Product: Credit card

Attempted to schedule payment for the credit card on two days before payment was due. Payment source comes from the checking account with the same bank. Website did not allow me to select the due date of the payment, instead only allowing me to select the day following the payment ( which was 3 days from the current day. ) I had never seen this before as normally I could select payments even the day of as long as it was before XXXX. I selected the earliest date available, with ample funds in my account to cover the cost, and figured since that was the earliest day they offered they certainly couldn't blame me for the payment. 
They proceeded to charge me a late fee and interest on the total amount of the card, amounting in total to ~ {$50.00}. I called them and attempted to have this resolved. They elevated it but eventually told me that I should have called them when their website wouldn't allow me to make the payment on the due date, and that they would not be refunding me the fees. This is ridiculous of course - their website failed ( and continues to fail, I verified this new " 3 days out '' payment limit is still in place as of early XXXX ) to provide me the correct date.
Product: Debt collection

XXXX XXXX XXXX filed a claim to the court of common pleas of XXXX XXXX, for unpaid tuition from fall XXXX - spring XXXX in the amount of {$19000.00}. I was not able to secure finical aid, which I was able to do in the previous academic year XXXX, and was withdrawn from the university and not allowed to attend. At that time emails were sent to my instructors to not allow me to attend classes, not able to eat in the cafeteria, ect. The university claims is was re-instated as a student, which I dispute did not happen. The university filed the claim with the court XX/XX/XXXX, but I was never notified about the claim prior to a judgement being passed. I was never given the opportunity to defend myself in court. The university then had a collections agency garnish my entire life savings 14 years later on XX/XX/XXXX. Due to the time that has past, 14 years, the debt collected interest and Ive been garnished/billed the sum of {$57000.00}. I am now in a position where I can not pay bills, purchase food, gas or pay future debts like mortgage, student loans ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND USED THE CREDIT CARD FOR THEIR BENEFIT, THE CHARGES AND THE CARDS ARE FRAUDULENT. I DON'T KNOW HOW TO REMOVE THESE FRAUDUELENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank reported my loan as over 30 days late when it was being paid off. 
It has been paid in full. I have not been able to get help from US Bank. I mailed a formal request in with documentation and no one has contacted me. I have submitted a claim on XXXX and it was not removed. This mistake has destroyed my credit score unnecessarily. I was simply paying off a HELOC with another one. XXXX XXXX requested a payoff from US Bank, then there was a small amount due left over due to an inaccurate payoff being provided, and I immediately paid that. There was zero reason why a mortgage late should have been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Student loan

I want to report a complaint against the loan company incorrect reporting on my credit report has significantly damaged my credit and I've been denied several loan to loans still reporting on my credit report that were supposed to be totally forgiven due to my total and permanent XXXX diagnosis back in XXXX. I have submitted multiple proof of XXXX from the Social Security Administration since XXXX and still have not had my loans forgiven as promised. It's has impacted my financial health tremendously and has created unnecessary financial hardships that I as a XXXX individual do not appreciate nor should I have to endure it. I was told my loans would be totally forgiven but they have not been and I don't know what other steps to take to address this issue.
Product: Credit reporting or other personal consumer reports

I had 4 hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. 

1. XXXX Inquiry - XX/XX/year> Institution : XXXX XXXX A Account Type : All Banks 2. Inquirer Name : SYNCB/LOWES - XX/XX/year> / Transunion Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXX, Pa XXXX XXXX. Reported By : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Account Type : Credit Bureau XXXX. XXXX Name : SYNCB/XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Industry Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified by XXXX that NBT Bancorp, XXXX, NY, has reported my auto loan as 30 days past due delinquent, severely impacting my credit score. I contacted NBT and was informed that my account is current and should not have been reported to XXXX as delinquent. Was told that the bank is aware of a problem occurring with credit reporting, but representative was unwilling to commit to correcting my records with the XXXX. This has resulted in credit issuers threatening to reduce my credit limits and impose higher interest rates for existing credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX  # XXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX XXXX XXXX {$670.00}, XXXX XXXX  XXXX XXXX {$620.00}, XXXX XXXX  XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX/XXXX # XXXX {$2200.00}, XXXX/XXXX # XXXX $ {$0.00} XXXX XXXX XXXX # XXXX {$0.00}, XXXX  XXXX  # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted verifiable documents to Equifax showing the company by the name of XXXX XXXX was included in my bankruptcy petition confirming plan on XX/XX/XXXX ; which the first dispute is in the file you maintain under my social security number. I attempted to contact them directly to requested that they cease and desist any and all collection activities knowingly of bankruptcy law ; including reporting of this account on my credit reports. 
I was informed between XX/XX/XXXX and XX/XX/XXXX, that the account status closed and the account was resolved by data furnisher. Also, an Equifax credit file confirmation # XXXX Now, I have discovered that the item has been reinserted on my credit report again, as of XX/XX/XXXX, with account status as open and seven ( 7 ) consecutively missed payments appearing on my Equifax credit report. This has made a tremendous impact on my score. Again, I will attach verifiable documents and have the right to take legal action due to : 2. Their reporting is INACCURATE and with INCONSISTENCY. They reported my last payment as of XX/XX/XXXX ; yet, reported ( 7 ) missed payments starting XX/XX/XXXX. INACCURATE CALCULATION. Due to the fact, IF my last payment was XX/XX/XXXX up to todays date XX/XX/XXXX ; it will be 14 missed payments starting from XX/XX/XXXX. INACCURATE AND INCONSISTENT. 

XXXX XXXX is/has reported inaccurate information and Equifax did not properly investigate from the last documentation that was sent. An account included in bankruptcy can not be reopened or any account activity reported direct to credit reports outside bankruptcy laws. 
Equifax, in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted and closed material ( ii ) Notice to consumer If any information that has been hereby deleted or closed from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for the purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Debt collection

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$2900.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Product: Debt collection

They told me they were trying to collect a 12-year-old debt for Providian Bank and they were preparing a summons for service of process on a lawsuit for a 12-year-old debt that is actually more like 20 years old. They told me that Providian Bank had been acquired by some other party and when I inquired for the name they got nasty and started arguing immediately. I asked them to repeat the name of the acquiring bank and of their organization however they didn't respond to that they just insisted that I make payment arrangements or told me they were going to garnish me. It ended up with a shouting match with the f word and them telling me that they were recording my phone call and they'd be turning a phone call recording over to a law enforcement agency because I used four letter words with them and allegedly threatened them.
Product: Debt collection

I am a victim of JP Morgan Chase Credit Card Service fraudulent, erroneous, deceptive and misleading debt collection practice. Per the Consent order that JP Morgan Chase signed with the Consumer Financial Protection Bureau, I am requesting that chase remedy and remove all erroneous information from my credit file immediately and refund me the over {$6000.00} in payment that I erroneously paid to Chase. I have previously contacted Chase Credit Card Service to remove the fraudulent and erroneous credit card information from my credit file, however, Chase Credit Card Services has been constantly lying to me and telling that its information is correct even though Chase Credit Card Services knew that its record keeping information was false, misleading, erroneous and deceptive. This erroneous information by Chase Credit Card on my credit reporting is adversely affecting my ability in obtaining new credit and other negative implications. I am asking Chase to delete my entire credit file because it is erroneous and continues to adversely affect my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Inaccurate information placed on my credit report without my concent. I asked for proof but none was giving.
Product: Mortgage

We recently refinanced with an alternate mortgage lender as of XX/XX/2020. The previous mortgage holder is keeping our escrow for confusing and unanswered reasons. We have heard several different stories as to why they are keeping the balance of our escrow which Is in the amount of {$1400.00} at the time of closing settlement. We entrusted 21st mortgage to manage our account for mortgage insurance and taxes which our new provider has taken over and paid in advance. We believe the person managing our case has been dishonest the entire process. 21st mortgage can not be trusted to manage escrow accounts accurately. The escrow account is funds we pay beyond principle and interest to ensure insurance premium and taxes are paid. If no payments are due then the balance should be refunded to the owner of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote several letters to this company asking them to send me a copy of the documentation they have on file that was used to verify the items they have posted on my credit report. They ignored my request. Instead they sent me back a Piece of paper that has nothing to do with my request. Again I wrote them to inform them of my rights under 609 fcra disclosure to the consumer. They Again ignored my request. All I ask for from this company, is to send me a copy of the physical form that was used to verify the accuracy of the accounts they listed. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.