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

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I have a XXXX XXXX student loan account in which the payments and principal are being handled by Heartland ECSI. I graduated from XXXX XXXX XXXX  in XX/XX/XXXX. This particular loan was in the amount of {$5500.00}. Since the payments started being deducted from my personal bank account by Heartland ECSI in XXXX, I have not missed a single payment. The monthly withdrawals are {$58.00}. Moreover, I have 100 % payment history with all other accounts on my credit report for the entire span of my credit history, as well as zero derogatory remarks. 

However, in XXXX, XXXX, and XXXX of XXXX, the regular payments were not withdrawn from my account. The loan company has reported these as 30 and 60 day late payments on my account, and I fear a 90+ day late payment will strike my account any day now. I called the company and they did not provide me a reason for why this happened and told me there was nothing they can do. There was no communication to me about the missed payments either. No emails, letters, phone calls, or online account notifications about missed payments. 

It was only when my credit score was critically impacted that I was notified that any payments were missed. My credit score has decreased more than 100 points, putting me in a very difficult situation. Just recently, I was meant to cosign for an apartment lease for my mother so that she can be closer to her job. My application was rejected by the leasing agent, and I could not guarantor her lease because of how negatively this situation has affected my credit score. I can not find her a home to live in until this is resolved. This is a very time sensitive issue, her lease at her current residence is expiring within the year. 

I always have money in my accounts because I am diligent about paying my debts. Integrity is one of my core values as a human being and I would greatly appreciate help in this difficult time. This entire situation has been extremely disheartening, particularly because there was no fault of my own. I am very worried about how unbearable this will become if it is not resolved as soon as possible. I look forward to hearing your response. 

Respectfully, XXXX XXXX
Product: Debt collection

This debt is not mine. Someone fraudulently got an apartment in my name without my consent looking at the timeframe of this debt I was underage to get an apartment.
Product: Credit reporting or other personal consumer reports

I recently received the results of my dispute regarding the late payments reported on my credit file. I appreciate your prompt response ; however, I have some concerns that need further clarification and action as per the Fair Credit Reporting Act ( FCRA ) that wasnt followed. 

Late payments reported on my report are as followed : XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In my dispute, I requested documentation verifying the late payments in question. SO, WE DONT WASTE NO MORE TIME. IM NOT ASKING YOU TO VALIDATE THESE LATE PAYMENTS!

IM TELLING YOU TO PROVIDE ME DOCUMENTATION OF WHO YOU CONTACTED, NAME OF CONTACT, PHONE NUMBER OF CONTACT, DETAILED DOCUMENTATION VERIFYING THESE LATE PAYMENTS.

According to the FCRA, specifically 15 U.S. Code 1681a ( Definitions ; rules of construction ) and 15 U.S. Code 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), there are stringent requirements for ensuring the accuracy and integrity of information reported on consumer credit files.

15 U.S. Code 1681s-2 ( a ) outlines the duty of furnishers of information to provide accurate information : 1. Prohibition : ( A ) Reporting Information with Actual Knowledge of Errors : It is prohibited to furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. 
Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Given these provisions, I request detailed documentation verifying these late payments, including : 1. The specific records used to verify the late payments.

2. The identity of the person or entity you spoke to who verified the late payments.

3. Any additional documentation that supports the accuracy of the reported late payments.

It is my right under the FCRA to receive a thorough investigation of my dispute. The information provided must be accurate and verifiable. If the reported late payments can not be adequately verified with documented proof, they must be corrected or removed from my credit file. I want these late payments updated to paid as agreed or OK.

Please respond to this request with the necessary verification documents within 30 days. Failure to provide sufficient documentation may result in further action to ensure my rights under the FCRA are upheld. 

Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX financed through Bridgecrest. I traded the car in on XX/XX/XXXX. There was a delay with the dealer, so they received the payoff XX/XX/XXXX. At that time I was told the payoff was short {$83.00} and Bridgecrest applied that payment on XX/XX/XXXX, 2021.To this day ( XX/XX/XXXX ) the majority of the payoff has still not been applied and they are now seeking to repossess that vehicle. They are also reporting negatively to my credit bureau. I have called 16 times, 8 of which I was promised this would be forwarded to a manager. I have been told by several employees they can see when the payment was received and can not tell me why it is not being applied.
Product: Debt collection

Continuous phone calls sometimes XXXX XXXX XXXX daily 7 days a week. From various numbers. Have never sent Paperwork or documentation. Which should have been sent within 5 days of first call. This has been non stop harassment for months. Calling XXXX which is home phone. We only use this phone to track calls. And save call history. I use my cell phone for all calls. Due to harassment such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID my family was ravaged by sickness and my role in the house became a primary carer for my wife and XXXX children. I reached out to Synchrony Bank, the party responsible for the issue of a credit line from Amazon. As part of their covid program I closed my account and made payments per the agreement in place. For the period XX/XX/2020 through XX/XX/2020 Synchrony reported that I did not make payments, when in fact I had made payments. As a result my credit report suggests I am a serious delinquent. Further, they did not even report anything for XX/XX/2020. Account since fully repaid with a XXXX balance. 

I have reached out multiple times with zero assistance offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Ally Financial add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I did not authorize any of the accounts or inquiries mentioned below. These accounts must be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent AccountXXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX RXXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX  - XXXX - XX/XX/XXXX - {$10000.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. 
When I moved in, they did not clean. The dirty carpet, molds, bugs.. 
I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. 
They did not return my deposits, yet.
Product: Mortgage

I purchased my home in XXXX with a fixed rate conventional mortgage loan for an amount of {$150000.00}. My mortgage has been sold multiple times from XXXX XXXX, to XXXX XXXX, XXXX XXXX and now Select Servicing Portfolio ( SPS ). It is currently XXXX and according to SPS my principal balance with over 15 years of timely payments is now {$150000.00} and my principal continues to increase every year even though I'm current on my mortgage. I would like to have my mortgage account audited.
Product: Student loan

2 of my loans say that XXXX dollars were dispersed ... ..yet thousands of dollars are due. My tax return has been taken from me since they went into default and XXXX of that is showing ever having been applies The amount of money my servicer says i owe is ridiculously higher than the website... .with no record of ever having received a payment I am lied to every time I call ... .Is a Federal loan not subject to FDCPA? What Federal agency would i contact to file an FDCPA complaint against the servicers for openly lying to me over and over. Saying that they are department of Ed, no you are a servicer and that is a lie... ..that is a violation of my FDCPA... .they tell me that i should have all my loans cancelled... even sent me the form and had me submit ... .i did ... .they told me that the Department of ED denied my application ... .Lie... .it was them ... ..Department of Ed never saw the application... .the servicers lie , lose payments, give false hope, and take my money. Why should i pay them. By the way its the FTC that manages cases of FDCPA... ..and the servicers claim to record calls for " quality '' i bet that the calls is " lost '' by the time they have to prove how bad they are.

****copy of complaint on department of ed website ****
Product: Debt collection

XXXX obtained a default judgment against me for a debt I have no idea what it is. And i was never served papers to appear in court to defend myself .XXXX was sued in a class action lawsuit and went out of business selling their paper or debt they had to Stephen Einstein & associates who is now garnishing my wages this is now twelve years after the original claim by XXXX.I did have an attorney send a letter to XXXX and he never responded to my attorney at all..I have every letter and document that I have received in my possession if you need it sent to you.
Product: Credit reporting or other personal consumer reports

I am writing regarding an inaccurate amount reported on my current credit report from Transunion and XXXX regarding an auto loan through XXXX XXXX. Despite my efforts to resolve this issue directly with the credit reporting agencies, the discrepancy remains unresolved. 

The specific details of the account in question are as follows : Creditor/Financial Institution : XXXX XXXX XXXX XXXX Owed : {$10000.00} Correct Amount Owed : {$7800.00}
Product: Debt collection

This new complaint is in regard to the original complaint # XXXX in reference to XXXX XXXX account number XXXX, to which Midland Credit Management stated that `` A review of our records indicates that the statute of limitations has expired '', and that " Per your request, the above-referenced account has been marked 'Cease and Desist. ' " However, on Monday, XX/XX/2023 I received information from my Human Resources department that Midland Credit Management are still attempting to follow up on the garnishment. Their newest email comes today, requesting to be re-directed to " the concerned team or person. '' The original correspondence is from " XXXX '' and reads : " Hello, I am trying to reach out to Payroll/HR regarding information Related to Legal Process of Wage Garnishment that was recently delivered to your company. 

Please escalate this to the concerned department & have them respond back to me ; I will provide the concerned employees details. 

You can email or call me on the below mentioned Phone number and refer to reference number # XXXX. 


Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX Department Midland Credit Management A wholly owned subsidiary of Phone : XXXX Option # XXXX Fax : XXXX Email : XXXX '' Therefore, MCM is now not only illegally pursuing an old debt, but they are continuing with their litigation process despite assuring me that the account was marked " Cease and Desist. '' They are performing XXXX illegal actions regarding this debt and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. Experian is reporting last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. They are both reporting two different last payment dates. Experian is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.
Product: Debt collection

I visited the ER in XXXX XXXX after being assaulted in XXXX. I am a XXXX veteran so my visit is paid by the Department of Veterans Affairs. It is currently XX/XX/XXXX and my credit report just changed due to " XXXX offices MBA '' reporting a debt. I called them and explained that this debt is not possible due to the aforementioned situation. They told me to " have the VA call them '' for proof and that they verified the debt with XXXX XXXX. XXXX XXXX does not seem to have a phone number. I'm sure this is a billing error in XXXX but I have spent approximately 20 hours trying to fix this companies error. They were supposed to bill the VA. I can not do that for them. I do not have more time to work on this.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2019 ), XXXX & Experian have failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX inaccurate XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
Product: Mortgage

My wife and I purchased our home in XXXX through XXXX XXXX. I retired in XX/XX/XXXX. In order to reduce our monthly pay out we refinanced through XXXX Mortgage and dropped our interest by 2 percent. The refinance to XXXX happened XX/XX/XXXX. We always try to keep our payments from six to twelve months in advance and this was going nicely until they, XXXX, sold our loan to Freedom Mortgage. We made our last payment to XXXX Mortgage in XX/XX/XXXX. I made two payments to Freedom Mortgage in XXXX trying to again get ahead on my payments. They, Freedom Mortgage, misapplied the second payment as principal instead of the XXXX payment. I wrote Freedom Mortgage in XXXX to their XXXX  Department. I have a copy of their return letter but it is riddled with errors as if no one really paid attention. My complaint is, XXXX promised in a letter to me that nothing would change and it has. Their monthly statements have no amount due or how the payment will be broken down. I have copies of everything if you want them. Freedom Mortgage will not communicate with me about this problem. I called XX/XX/XXXX and asked to speak with a supervisor who refused to take the telephone. I spoke to XXXX but her supervisor would not talk. The letter that I received was dated XX/XX/XXXX was not signed and came from customer care.
Product: Debt collection

This is actually a recurrence/continuation of Complaint IDs XXXX and XXXX. For some reason, BMO Harris has the number for my work landline ( which is a corporate phone number not in any way associated with a particular individual ). BMO Harris has repeated called this corporate land line number trying to collect debt erroneously associated with it. After the first 2 CFPB complaints, it appears BMO Harris sold the debt to other collectors, who now associate the debt with this phone number. 

I have repeatedly attempted to contact the phone number in the complaint response for Complaint ID XXXX ( XXXX, XXXX XXXX XXXX with no answer or response.
Product: Mortgage

I have a Foreclosure Lawsuit pending under Mortgage Fraud against Lakeview Loan Servicing LLC., in which is not a licensed Mortgage Company and had their partnership Company known as XXXX  XXXX XXXX to write an Fraudulent Mortgage Agreement/Contract under XXXX XXXX, in which now XXXX XXXX  is now stating that their Company never wrote the so called Mortgage Contract in which these Documents are being Subpoena. Lakeview Loan Servicing LLC. is a scam company and this has to be investigated. I have the evidence to prove this, not only in Court, but with your Bureau as well. Case No. : XXXX is the case number and please contact me at XXXX to talk to me so we can get this investigation started. I can provide your Bureau as much information as you need from Subpoenas to Court Exhibits. 
Please call me. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased from merchant, XXXX, a media box for {$310.00} to watch several other video features. On the same day I installed the box on my TV and it turned out to be a piece of junk. I immediately contacted the merchant and informed him that I wanted a refund. He agreed to refund, however, I had already disputed the credit card charge with Chase, my bank. Three months later I receive a letter from Chase that the charge was valid! I disputed again on the same day and I faxed Chase all the documents again to substantiate my dispute. However, yesterday, XX/XX/2020 I received another letter from Chase that the charge remains. I immediately called Chase ( XXXX ) and spoke with XXXX. I asked why and she said because I was too late in responding and nothing can be done at this point. I FAXED ALL OF MY SUPPORTING DOCUMENTS ON THE SAME DAY! I spoke with her supervisor, XXXX, and he said the same thing regardless of my complete documentation. I asked the number for the corporate office and he said he did not know it! However, I could fax another letter. I called credit card customer service ( XXXX ) XXXX ) and they said nothing can be done. I asked for supervisor and was left on hold for over 30 minutes. Then some clerk came on and said no supervisors around and it was closing time! I have been banking for over 50 years and I have never filed a complaint against any financial institution until now. CHASE HAS THE WORST CUSTOMER SERVICE EVER! I will be soon be conducting all of my banking with XXXX XXXX. Please see all of the attached documentation that I submitted to Chase, which they chose to ignor.