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

I had an account with Mariner Finance that they have been reporting incorrectly, I have asked them several times to correct. I now must move this to another level. Mariner Finance has reported to XXXX, XXXX and XXXX that this account was charged off of {$980.00}. If that were true why did they send me a refund check stating I have over paid. Also they are reporting 3 charge offs on same account, you can only have one charge off.. I have proof of refund check that I overpaid when I paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my Equifax or XXXX and/or XXXX consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by XXXX  XXXX  each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three XXXX XXXX accounts listed below be removed immediately from my credit report with XXXX, XXXX and Equifax. XXXX is in direct violation of my rights under FCRA. 

XXXX  account numbers : * XXXX * XXXX * XXXX
Product: Credit card

I inadvertently set up a bank account to pay our Barclays XXXX XXXX with a digit missing. The payment was returned to XXXX but in the meantime I had gotten notification from our bank and was working to fix the account number. The payment was late in being paid because I wait until XXXX returned as well to make it again. In the meantime I have called and talked to several people and they all assured me there were no late fees on the account. Imagine my surprise when I pulled up a statement to find {$78.00} in late fees! I've contacted them several more times and they each have told me there's nothing they can do about the late fees. I find this totally unfair because I contacted them first, not the other way around. I'm XXXX XXXX XXXX but I feel this is totally taking advantage of people. Something needs to be done about Barclays and their unscrupulous business practices.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Debt collection

XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Credit Bureau Systems , Inc, which XXXX  reports negatively that I owe this company. There is no contract. This debt is not mine.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX Account name : XXXX  Account name : XXXX XXXX Account name : XXXX  has violated my rights.

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

Im desperate because this morning, I found accounts on my credit report that dont belong to me, and I cant figure out why. Ive always checked my report without issues, but now there are errors Ive never seen before. I thought refreshing the browser might fix it, but the inaccuracies didnt disappear. I need the documents Ive provided to be fully reviewed so I can finally feel at peace about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX, has violated my rights.

15 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I faced financial hardship due to the COVID-19 pandemic, which temporarily impacted my ability to pay rent on time. I communicated with my landlord about my situation but was still evicted despite pandemic-related protections in place.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX & XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Between XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, a new account in collections was added to my credit report. The collection agency is PRO COLLECT. The original creditor was XXXXXXXX XXXX XXXX XXXX 

I have no contract with XXXXXXXX XXXX XXXX XXXX. I have never rented from or with them. I have never lived at XXXXXXXX XXXX XXXX XXXX NOR HAVE I BEEN CONTACTED ABOUT THIS ALLEGED DEBT OWED!! XXXXXXXX XXXX XXXX XXXX has posted false and harmful remarks on my credit profile and I demand for immediate removal of this collection. I demand a positive remark and this XXXX account to be disputed. XXXX XXXX XXXX XXXX has stolen and sold my personal information to PRO COLLECT. I DO NOT CONSENT TO THIS!
Product: Debt collection

i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
Product: Checking or savings account

I had an account with Chase Bank..it was a checking account. I have XXXX on my vehicle which enabled me to use my phone. I informed XXXX in XXXX that i would be changing financial instutions and to cancel the debiting of my account for payment. However, when time for payment came around they debited the account anyway, but by that time I had changed financial institution. 

There was no more money in the account for XXXX to get money. At Chase Bank it should have came back as " insufficient funds. '' Thus, the situation would have been null and void. But because I changed financial institution Chase Bank accepted the payment without my approval and without funds in the account. In the past when I have had an account with Chase Bank and would go to another institution relinquishing direct deposit, they would recognize such and close the account. i did not have overdraft protection with Chase for them to accept payment without funds in the account. My new account is with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I leased a vehicle from XXXX XXXX under account XXXX which was paid on time each month. The vehicle was turned in to XXXX XXXX at the end of the lease in accordance with their terms and conditions in XXXX. At the time of the turn in XXXX did not perform an inspection of the vehicle. Two months later XXXX sent me a bill for {$2900.00} claiming the veh had damages when I turned it in which isn't true. I asked for and was provided documentation outlining the damages. Upon review of the inspection report it was clear, due to the mileage, that the car was driven between the time I dropped it off and when the inspection report was done. I disputed the damages with XXXX, it is my contention that the damages occured while the car was in the care of XXXX XXXX. They are not able to prove the damages existed when I returned the vehicle. I also disputed damages to the taillight which were not actual damages but a manufacturing defect/seam in the plastic. I provided examples of other XXXX  with the same defect as well as documentation that the tailights of XXXX  have ongoing issues with this defect and it is widely known by XXXX that XXXX  of a certain time period suffer from this defect. Over three years later in late XXXX XXXX reported the balance on the damages to all 3 major credit bureaus. I pled my case on several occassions, but the credit bureaus continue to side with XXXX and will not take into account my side of the story, my photographs, or XXXX lack of evidence that the vehicle damages were present at the time I dropped off the vehicle.
Product: Mortgage

I used   XXXX   XXXX   XXXX   for a loan when I purchased my home in Florida. I am a realtor and when the market went down I had challenges paying my mortgage. Whenever I asked for assistance I was unable to find out from  XXXX  who the owner of my loan is now that   XXXX   XXXX   is gone. I truly believe that if I could get to the real owner of my loan, I could explain what happened and work something out with the owners so I can make my mortgage payments.  XXXX  will not reveal who this is.
Product: Credit reporting or other personal consumer reports

I continue to have a problem with Transunion reporting Public records that I DO NOT have and at this point they are now defaming my character, CAUSING MENTAL ANGUISH, STRESS as well as VIOLATING the FCRA compliance and accuracy laws. 

Per the TRANSUNION website it clearly states the following Public Records Important information about public record item ( s ) on TransUnion Credit Reports TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. website Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ SO why is it that they are telling me they verified these public records through the COURT this is false, misleading information and I have provided proof that it was not verified through the XXXX XXXX  XXXX take this off my report IMMEDIATELY!!!! I also have additional documents from XXXX from another compliant I filed after Transunion repeatedly stated this is verified and I will seek legal litigation if this is not deleted!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX - XXXXThis is inaccurately reporting on my report. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I am in a terrible situation with my mortgage because of XXXX which decimated my carpentry business. My lender is Select Portfolio Servicing and they have filed legal paperwork to foreclose on my home, which my father built with his own hands in XXXX. My clientele was primarily elderly homeowners who learned about me through word of mouth over the years. During the pandemic people were frightened to have workers come to their home and my business got very slow and at that same time I was diagnosed of XXXX XXXX and eventually my business shut down. This led to missed mortgage payments. I contacted SPS to try and get help but feel that I was given the cold shoulder. I thought that there were programs available to help homeowners who had financial problems because of XXXX but I don't think that the bank gave me access to any of these programs. After missing several months of payments I received paperwork that I was approved for a repayment plan that raised my payment almost {$300.00} per month. I called into SPS to tell them that this was too expensive and request that I be reviewed for other programs. My current interest rate is 8.1 % and my missed payments were the result of XXXX. But they did not give me a chance to be reviewed for any other programs and started foreclosure against my family in XXXX. 

We submitted new applications for assistance at the beginning of XXXX and after months of review were told that there were no options. I do not believe this is true. The government offered to reimburse banks through the CARES program and I know that SPS participated. Their denial letters claim that we are denied because of " investor guidelines '' but a pandemic related hardship does not fit into " investor guidelines '' and I think that there should be exceptions that can be made by management in this type of situation. 

I am not happy with the way things have went with SPS and just want the opportunity for a fair negotiation for a reasonable solution. We have the ability to make our regular mortgage payment, but we do not have the ability to pay back the {$11000.00} in missed payments and fees. SPS has many tools at their disposal to address this situation but instead of allowing access they tell us sorry, we are taking your house because of " investor guidelines. '' Due to the high interest rate they should be able to restructure and modify our mortgage loan and put the missed payments back into the balance of the loan. Or there should be an option to defer the missed payments and resume the regular payment. Either one of those options would work and allow us to save our home. We are now receiving legal notices that they are preparing to sell our home but we don't want to give up.
Product: Mortgage

I have foreclosure sale date of XXXX/XXXX/15 and submitted previous documentation in case # XXXX. On Wednesday XXXX XXXX, 2015 at XXXX in the afternoon I received a call from XXXX ( or XXXX ) from Wells Fargo in the " Customer Care and Recovery Group ''. She stated that she had received my inquiry for a request for a Home Modification.She then verified my loan number contact info and asked me to verify my request which I did. I told her and she confirmed that the present foreclosure date was XXXX/XXXX/15. She then stated that it would take a day or XXXX maybe for the post phonement date. She also stated that I would have a new primary point of contact to process my request and that would take a day or XXXX to complete. I asked before the call ended did we have time and she said yes we have '' plenty of time '' between now and Monday. I then thanked her for her call.She gave me her contact information, At no time during our conversation did she indicate a problem or an approval from the foreclosure department about the sale date. To the best f my knowledge at that time she did not mention the CFPB complaint that I filed. I had also sent a request to XXXX XXXX, PA whom Wells Fargo had designated asa point of contact. 
A few minutes later I received a call from XXXX from XXXX with whom I had filled out a hardship application. He stated that Wells Fargo was the hardest lender to work with and that in his opinion form the documentation that I submitted that we had a good chance to qualify for a modification. I told him that Wells Fargo had just called and that the sale date was to be post phoned. I thanked him for his time. 
On Friday XXXX XXXX at XXXX I called her since I had no heard anything to check the status. She then gave new primary contact contact was to be XXXX XXXX who would contact me. At this time she indicated that she was responding to my CFPB complaint. XXXX t.hen called me at XXXX in the afternoon on XXXX XXXX He informed that Wells Fargo would not post phone the sale date and they would respond to my complaint. I was in complete shock when he said this. He had me if I had any questions and I told him that I was mislead by yprevious conversations. 

The Wells Fargo employees were professional and polite. HOWEVER I WAS MISINFORMED by XXXX and she did not explain. THe consequences of this is that I lost XXXX hours of critical timing and the opportunity to work with a XXXX party. No consumer should have to endure what I just went thru. Their needs to be some type of protection to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX/XXXX card : XXXX -available : {$10000.00} XXXX/XXXX XXXX : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX card:XXXX-available : {$6000.00} XXXX XXXX available 1000.00 Please help me
Product: Credit reporting

This is the second year I have problems getting my credit report from Equifax. I got my credit report without problems from XXXX and XXXX but Equifax is asking security questions that are not related to my, with wrong information, making it impossible for me to access my credit report, they claim I have a store card witch I do n't have, this is not the first time I have problems with Equifax. They are requesting me to send a form and copy of my social security card proof of address etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY 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: Credit reporting or other personal consumer reports

In accordance to with the Fair Credit Reporting act XX/XX/XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Ok I had money come in from a lady the money was for my daughter she's XXXX at the time and after the money was taken out for my daughter the lady tells PayPal that I didn't send her cups which I knew nothing about it was a personal account not business and when she did that they refunded the money to her and put my account negitive and permentaly closed that account and future accounts