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

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX  XXXX Balance $ XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account ; XXXXXXXX XXXX XXXX  XXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX XXXX XXXX XXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXXwhen I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.
Product: Checking or savings account

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1781 4.
Product: Mortgage

PHH mortgage charges a XXXX fee if you do not go paperless. Through the app I tried to go paperless and it was not working. I called the company to have them removed the {$7.00} charge from my mortgage and they said that that was the the charge for a service. I was never notified of this new policy or service. They told me to try a different device in order for it to work. How many people have multiple devices to try and not pay more? This is bad business practices and predatory.
Product: Credit reporting or other personal consumer reports

I have looked over my credit report and notices some errors. I sent a letter to XXXX, Equifax and XXXX and have not hear anything back and it is beyond 30 days. I also noticed on my Equifax report I have a duplicate collection. I have sent in several letters to investigate and I have not been getting a response. please look into this matter as it is crucial to me as I am buying a home. I have attached some letters I have sent XX/XX/year> I also sent direct letters to creditors.
Product: Mortgage

In XXXX of XXXX, I received an impound surplus check in the amount of {$3700.00} from United Wholesale Mortgage company. This being my first year in this house, I thought that was a little excessive, but it came at the right time to pay the supplementary tax bill from this house. 

When I received my mortgage statement for the month of XX/XX/XXXX, there was a letter along with my statement stating, there is a shortage in my impound account in the amount of {$3700.00}. To make up for that shortfall, they are adding {$600.00} per month to my monthly payment. In this economy, {$600.00} per month added to a $ 5000 monthly payment is too much to ask of anyone. Someone made a huge error in sending a surplus check when there is no surplus. And if you are short {$3700.00}, why am I being charged {$7200.00} by the end of this year, to make up a {$3700.00} deficit? 

I called customer service to complain about this apparent solution to recover from a deficit. I was told to write a letter to a Resource Department expressing my concerns. I mailed the letter with in the first week of XXXX. I finally got a response by the end of XXXX. The response was my mortgage was sold to an investor, and they will not relinquish control of my impound account because of the original loan documents specify an impound account. 

I've talked to several people in the mortgage industry, and the consensus was, that requests like this happen all the time and most mortgage companies do not have a problem relinquishing impound accounts. 

I am requesting to take control of my own impound account, as well as the remaining balance, because I no longer trust the people in this position. An extra {$600.00} per month can cause me to lose this house. If this happens every year where I get a surplus from my impound account and then three months later, I'm told there is a deficit, and they want to add another rediculous amount to my monthly payment, I will for sure lose this house. 

Please help me gain control of my own impound account.
Product: Debt collection

Franklin Collections agency continues to report an account from XXXX XXXX partners. I have disputed the account several times. I contacted XXXX XXXX partners, they said the date of several was XXXX 2008, which is far outside of the 7 year allowable reporting period. In addition, I had insurance at the time of service, so the account should have been paid, which was confirmed by XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2017, I received a collection notice in the mail from American Coradius International LLC ( ACI ) stating that I owe {$480.00} to XXXX, and that I have 30 days to dispute the debt. The notice also states that ACI will settle for {$360.00} if I make the payment by XX/XX/2017. I 'm filing the complaint because I do n't owe XXXX any money. I have a XXXX account that I occasionally use for XXXX purchases, but it is connected to my bank account and the amount is immediately withdrawn. Based on what I 've read on the internet, I believe that this is a scam and I am requesting that legal action be taken against ACI.
Product: Credit reporting or other personal consumer reports

I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX XXXX XXXX me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXX XXXX  XXXX XXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, XXXX
Product: Mortgage

XX/XX/2015 I was notified that my mortgage with XXXX XXXX XXXX was being taken over by Specialized Loan Servicing , LLC. All payments after XXXX would go to SLS.I made 3 payments to them ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). Each time they delayed and harassed me about late payment. I phoned them, spent several hours talking to them trying to resolve this. Kept getting passed around. Now they have cancelled my insurance, yet collected for it in the escrow account. I responded to the first letter. Received another letter ignoring my first letter. Every time I send a letter, I send it return receipt requested so I know they have gotten them. I did not ask to do business with them, I was perfectly happy with XXXX XXXX XXXX. They should operate in an ethical and professional manner and they are not.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent thru first class mail a Notice to XXXX XXXX, CFO of Block Inc, informing the CFO that by law all debt attached to my Cash App account is to be discharged and I am entitled to an unlimited balance in my Cash App account. A copy of the Notice is attached to this complaint. The CFO had an opportunity to respond to the Notice. The CFO willfully failed and refused to reply to the Notice.
Product: Mortgage

In early XXXX of XXXX my husband filled out an application for a VA loan refinance mortgage at the local TD Bank branch where he does business. I am at XXXX veteran. I served in the XXXX XXXX XXXX XXXX  from XXXX - XXXX. After complying with all of TD Bank 's document requests, they had given us a tentative closing date of XX/XX/XXXX. As the date approached, I was in contact with the lender the week before because I was planning a trip to California on XX/XX/XXXX and would not be back until XX/XX/XXXX. I wanted to make sure that we would be closing on the XXXX. The lending officer assured me that things were going along and that I shouldn't worry because our rate was locked until XX/XX/XXXX. Here we are XX/XX/XXXX and we still have not closed on the loan. I have complained several times to the loan officer that this process was taking an exceptionally long time. She requested more information about my job history TODAY, the day our rate lock expired. She said she extended the rate lock for an additional 15 days. I asked her why she didn't ask for clarification on my work history last month. She said the underwriter just requested it. I told her I did not okay a rate lock and would not Okay one without a firm closing date. She said it can take hours for the underwriter to review the loan information, which they now have had for 4 months. 
During this process, sometime in XXXX my husband received an email asking him to explain about the property he owns in NJ. He does not own property in NJ. The bank mistakenly uploaded another clients information into our portal. My husband was able to see the man 's name and the property he owned. TD Bank pushed it off as if it wasn't an issue. 
I told her I would be filing a complaint about the handling of this loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts that are still appearing on my Experian credit report, despite being past their expiration date : XXXX XXXX XXXXXXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
I have reviewed Experian 's guidelines and it clearly states that these accounts should no longer be included in my credit report. I request that you investigate this matter and take the necessary steps to have these accounts removed from my credit report. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

A purchase was made at Macy 's for {$56.00} on XX/XX/2019. An online payment was made when the statement was received in XXXX, XXXX. When I had not seen the payment clear my bank, I called and was told no payment had been received. The online payment did not go through. I made a payment of {$560.00} on XXXX XXXX and was told the late fee would be dropped. The account given to the customer service evidently was missing the final number. The representative did not realize there were only 9 digits instead of 10. The bank of course could not process it. A {$27.00} returned check fee was added then when I called explained the fee was removed on XX/XX/2019. I paid for the original purchase of {$56.00} and the late fee and returned check fee were removed from my account by Macy 's. I then received a statement for {$31.00} when I should have had a XXXX  balance if all the charges they said they would remove were removed. 
I contacted Macy 's credit office and was told the charges would be removed. I continued to get statements with penalty and interested added. I continued to contact the credit office and was told again and again it would be removed. 

I finally contacted the central office and explained the list of promises not kept and that I owed Macy 's nothing. 
XXXX XXXX refused to accept the fact that I was promised by Macy staff that those charges would be removed. I now have a bill for {$230.00} for late fees and interest when an honest mistake of leaving off one number on my checking account was made and the costumer service representative consistently assured me the fees would be removed. For an honest mistake and the unkept promises of Macy customer representatives a XXXX  balance has now grown into a statement of {$230.00}.
Product: Mortgage

XXXX 's mortgage payment was submitted on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. I resubmitted the payment on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. Made a pay by phone payment on XX/XX/XXXX but it was not processed. XX/XX/XXXX a payment was made. It was refunded XX/XX/XXXX. 
They are not processing our payments. T
Product: Money transfer, virtual currency, or money service

I Listed a guitar for sale on XXXX market place for XXXX no Shipping local pickup XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX offered me XXXX additional plus transfer fees to ship the guitar through receiving the payment through PayPal He received the guitar in the picture right down to the serial number and opened a case with PayPal that should have never been opened XXXX XXXX SENT THE MONEY PERSONALLY witch is not covered by PayPal He then got His credit card company to pay him XXXX and refused to send the guitar He did not want? Back to me and refused contact with me kept His money and the guitar PayPal closed the case in my favor then turned the amount over to their collection agency and placed the entire amount on my credit report and began collection process with me for XXXX I talked withe several PayPal employees and filed a case and PayPal refused to see this as fraudulent activity the case no is XXXX they closed this in my favor I have the screen shots of PayPal closing the case in my favor
Product: Credit reporting or other personal consumer reports

Hey I Received an 1099 Form for the charged off accounts : Account XXXX XXXX XXXX Account number : XXXX  Account XXXX XXXX XXXX Account number : XXXX  from creditor an accounts was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off accounts must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and the Creditors XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Product: Checking or savings account

XX/XX/2022 @ XXXX - I received an email stating that a Capital One 360 Checking and Savings account had been opened in my name. I also received emails stating the my phone number and email address had changed on the account. I did not authorize the opening of these accounts. 
XX/XX/2022 @ XXXX - I called Capital One to close the accounts. They assisted with the closure of the accounts but could not give me any additional information about the phone number or addresses provided on the account. They also mentioned that they would send a letter to the address on file stating the accounts were closed. I did not provide them an address so they most likely had the fraudsters address. 
XX/XX/2022 @ XXXX - I called Capital One to confirm closure of the accounts. I provided personal information and they were unable to confirm and said I needed to leave a message with the case review team. 

At this point I am very concerned that the accounts may still be open with Capital One and that other accounts might be trying to be opened in my name at other institutions. Please let me know my next steps to protect my identity. 

Thanks.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

During the shelter in place when covid-19 first hit I was not able to work for two months. I was not able to pay my rent for two months because of this. I tried paying the landlord back but could not afford the additional repayment amount and the rent. So I had to move. They submitted the remaining balance to a collections company named IQ Data International with a balance of around 4k. I started paying them 300 a month for a little over a year now. Two months ago I contracted XXXX and was off work without pay for two weeks. I still owe them 2k. They they told me to use my income tax return to pay them back. I have taken a reduction in hours at work due to Covid and I cant make that payment right now. I need more time. But they are threatening legal action, wage garnishment and make me pay for their legal fees. Im barely hanging on now. I want to pay them I just need more time.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - -- - Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I opened a Citi Priority Account in XX/XX/XXXX, and signed up for the {$600.00} new account promotion bonus, which required me to deposit {$50000.00} into the account within 30 days and keep the balance for 60 days and then wait for another 90 days to receive the bonus. I have kept over {$50000.00} balance in the account since XX/XX/XXXX till now ( XX/XX/XXXX ), but I haven't received any bonus yet. 

Here is the detailed actions I took : - On XX/XX/XXXX, I opened the Citi Priority Account. 
- On XX/XX/XXXX, the {$50000.00} initial fund was deposited in the account. 
- Immediately after the deposit, I called the customer service and confirmed that I have signed up for the {$600.00} bonus. I did so because I used to miss receiving the new account bonus before. 
- During XX/XX/XXXX, I called the customer service and re-confirmed that I will receive the {$600.00} bonus in mid-XX/XX/XXXX. 
- I still didn't receive anything in mid-XX/XX/XXXX, so I called the customer service again. But they indicated that the new account bonus is out of hands of customer service, and I should check with the branch in which I opened the account. So I immediately went to the branch and talked with one of the personal bankers. He told me that I will receive the {$600.00} bonus in end of XX/XX/XXXX when my statement came out. 
- So I went back and wait till end of XX/XX/XXXX, but still nothing. 
- Around XX/XX/XXXX, I went to the branch again and talked to the same personal banker. He said he will submit a dispute, and the internal dispute team will resolve this in 2 weeks. He assured that I will get the money back.

- It's already been 3 weeks now, but I haven't received the bonus yet. 

I'm very tiered and disappointed about the whole things in order to seek for the {$600.00} bonus that I'm qualified. It's taking so long and I don't know when it will end. I lost the interests of the {$50000.00} cash especially as the market interest rates are getting higher and higher.