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

Lending Club never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called Lending Club and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
Product: Mortgage

Our mortgage loan originated via XXXX XXXX XXXX and included an assumption clause that would allow my daughter and son in law to assume the loan at a later date. Nationstar Mortgage purchased the loan from XXXX XXXX XXXX. Nationstar is now telling us there is no assumption clause despite paperwork I have to the contrary. I have no legal contract with Nationstar, all my contracts are with XXXX XXXX XXXX. By purchasing the loan, Nationstar assumes the terms and conditions of the original contract. I have spent countless hours on the phone with Nationstar representatives to no avail. They are refusing to honor the legal terms of my original loan that they purchased from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was A Victim Of Somebody Tried To Get A Car In My Name And They Opened Up Credit Cards And Phone Accounts
Product: Credit reporting or other personal consumer reports

Again this will be my XXXX time asking this company y to remove the items listed below I never did business with them. Never had an account with them this was all due to fraud. All other credit report removed the times yet exqfax is saying they verified them how can that be. Please for the XXXX time remove the items please Account name TXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

I was injured at work and finally received my impairment benefits through Texas workers comp. Unfortunately the insurance carrier did not submit funds to my current account and sent them to a closed account.

USAA then decided it was appropriate to tell me that my account was closed and charged off, which I was never given the opportunity to remedy the situation. 

However they have deemed it appropriate to keep XXXX dollars of impairment benefits from a work injury which is federally protected from leins and levies. At this point I am so tired of fighting USAA for them thinking they are above the federal law and state of Texas laws about the funds they are choosing to recover. Exempt funds are exempt for a reason.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, there are 3 hard inquiries related to credit card applications that I did not make : 1 inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX ; 1 inquiry from XXXX XXXX dated XX/XX/XXXX ; and 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I do not bank with any of these 3 banks and I did not apply for credit cards with any of them. 

The XXXX XXXX inquiry was also reflected in my TransUnion credit report and in my XXXX credit report. 

There was also a phone number ( area code XXXX ) in my credit reports that does not belong to me. 

I am in the process of disputing the hard inquiries with all 3 credit reporting agencies, I removed the unknown phone number from my account, and I placed credit freezes and fraud alerts on my accounts with all 3 credit report agencies.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have fraudulent activity.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I file a XXXX  XXXX petition in case number XXXX in the northern district of Illinois and XXXX JPMCB Card services account # XXXX was listed in my petition and was discharge on XX/XX/2023. JPMCB CARD Services unlawfully requested my credit report from XXXX on the following months. XXXX XX/XX/2023 without my permission and out permissible purpose in violation of the Fari credit reporting Act 15 U.S.C. 1681 b ( a ) 3 ( f ) ( i ) .on XXXX XXXX I received a letter from Chase that those are soft inquiries. those inquiries where violations under the XXXX XXXX  Bankruptcy stay and discharge .please review the letters to JPMCB Card services. and the XXXX  XXXX discharge order.
Product: Debt collection

An item was placed on my credit report in error. The item was found out as myself and my expecting fiancee were attempting to rent a house. I have received no contact and was not aware of the matter or issue. The account was opened fraudulently and was placed on my report, damaging it immensely. We have contacted an attorney this week and will be pursuing further action if this item is not removed from my credit and it is corrected, pending further investigation.
Product: Debt collection

I have notifed Midland Funding LLC that I am not liable for a Balance of {$900.00} that is being reported to  XXXX ,  XXXX , and  XXXX . Midlands Funding has failed to provide Validation of the debt, that proves that I have a signed contract with them.
I notified them that I have exempt funds in the form or Social security Benefits and   XXXX   Veteran Benefits. Continuing to harasses and make attempts to collect this debt are against the law. I demand that Midlands Funding LLC discontinue collection efforts and delete all accounts that are being reported to  XXXX ,  XXXX , and  XXXX .
Product: Debt collection

this is my 2nd attempt for requesting information from national credit systems regarding this alleged account, I sent a letter on XX/XX/2021 asking for important documents concerning this account and has not received anything for the last two months.i have attached a copy below as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX XXXX XXXXI had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions.Thank you,
Product: Credit reporting or other personal consumer reports

I believe I am a victim of a data breach, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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.

Account Name : XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, including SSN, DOB, DL #, credit card numbers, and other information which has led to a breach that puts myself and millions of others at guaranteed risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. while their executives took the time to sell shares worth millions of dollars. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Consumer Loan

I have a fairly new loan with this company and since day XXXX I 've had nothing but issues with payments and being told XXXX thing and the company does something different. The first issue was when I was told that the company would honor the date on a check I had wrote for my payment it was a holiday and I knew the checked would be delayed. The rep I spoke to assured me it would n't cause me to be 30 days late but indeed it did and they did n't honor the check date like they said they would. After reviewing my credit and seeing a 30 day late status I contacted them again and explain the situation and they told me they would credit back the late fees and soon after I found out in XXXX from a supervisor they did n't after I was told in XXXX they did. Next issues was that the company never informed me that XXXX payment was n't made until XXXX when I was confused of why my credit report was now showing 90 days late. The company time after time promised things and did n't hold their end of the deal.
Product: Debt collection

I was on the board for a company that bought a vehicle in XXXX. I cut ties with that company in XXXX. The company stopped paying on the vehicle in XXXX of XXXX. I was unaware of the lack of payments or that my name was used on the vehicle purchase as a co-signer. I didnt receive any notice from Ally about the delinquent debt until it showed on my credit as a charge off.
Product: Credit reporting or other personal consumer reports

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.
Product: Debt collection

This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for total XXXX. After investigating with total XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX
Product: Debt collection

Multiple letters from ARM Solutions, and its client, XXXX, each week abut a {$50.00} " debt '' for document shredding services provided by XXXX on XX/XX/2021. The XXXX XXXX credit card I provided to XXXX before the services were rendered were used to overcharge me by {$50.00}, so I placed this amount was placed in dispute with XXXX in XX/XX/2021. On XX/XX/2021, XXXX XXXX resolved the dispute in my favor. 

On XX/XX/2021, I wrote to ARM Solutions, XXXX 's debt collector and provided documentation which showed the action taken by XXXX. Communication from XXXX and XXXX ceased for 20 months and resumed again about six weeks ago-in the form of multiple letters each week from XXXX and ARM requesting payment. Not only is the claim for payment without merit, the sheer volume of demand letters constitutes harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act ( FCRA ) The Following Accounts Has Violated My Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file.

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 instruction.
Product: Credit card

I was charged a late fee on XXXX/XXXX/2015 & XXXX/XXXX/2015 of {$35.00} each that were supposed to have been removed & credited back to my account. When I pay over the telephone I 'm told the payment is processed on time yet I get charged a late fee anyhow. When I 'd contact customer service within a couple days of this happening I 'd be assured the late charges would be removed & credited to my account. But this is n't always the case. Because I 'm recovering from a series of procedures I 'm unable to keep as close of an eye on my account. The last time I contacted customer service I was to told the charges were too old to be taken care of. Yet it was the credit card companies fault they occurred in the first place & not properly taken care of.
Product: Checking or savings account

Tuesday XX/XX/XXXX I went into a Wells Fargo Branch and I ordered a new book of checks. They said it would take up to 14 days for it to arrive. With the holiday of XXXXXXXX XXXX XXXX coming up I added a few additional days due to the 1 less day of mail delivery that occurs.

After three weeks of waiting I called Wells Fargo to see why the checks were taking so long. After being transferred 3 times I got similar responses saying that it could take up to 14 business days to receive them in the mail, even after informing them that it already it has been close to a month since I have ordered them, there was no sense of they cared about this issue. 
After waiting another week I re-order my checks, they said since they have been delivered ( they were not ) that they would have to close my account and open a new one due to the potential of fraud. I asked if there was any other way to keep the account open and they ( allegedly ) attempted to put a stop on the whole book of checks that were sent. Two separate representatives tried this and they told me their system would not allow them to do so. 
I finally said okay and proceeded to open a new account with them due to the hassle it already was and I asked what would happen to my other account. They informed me that they can keep the account open for 90 days which was fine. The account was opened on XX/XX/XXXX. All the payments and deposits would continue to arrive in my account until that time frame and would have no issue switching everything over in the appropriate matter of time. 
On XX/XX/XXXX I was contacted by my company and they said that my direct deposit information was shut down which was concerning since it was well within the 90 days from which Wells Fargo told me it would be fine to continue to receive payments. 
I made sure to switch all my bills and payments to the new account since I could no longer allegedly receive money thorough this system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Debt should n't even be on my credit report. I 've only ever used XXXX XXXX XXXX or XXXX ; My previous girlfriend may have opened this account fraudulently in my name. I want this removed immediately.
Product: Credit reporting or other personal consumer reports

Hello, I track my credit score on a monthly basis via the Experian app. 
My Experian credit score dropped by XXXX points from XXXX to XXXX on XX/XX/year> for no good reason or explanation. I did not inquire about any new credit. I have not acquired any other debt. All debts ( credit card/mortgages/utility bills ) were paid on time. There is absolutely no reason for such a huge decrease of XXXX points in my credit score ( FICO Score XXXX ). 

Can someone have this resolved immediately? This is outrageous!!
Product: Credit card

In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated. 
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was current before I was in prison. However, when I was in prison my XXXX XXXX   case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX  XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in XXXX.
Product: Debt collection

A collection company " Portfolio Recovery Associates '' has illegally " re-aged '' a debt to XXXX and is inaccurately reporting the debt to XXXX, XXXX, and XXXX. 

I've repeatedly disputed the " age of first delinquency '' with the company and reporting agencies. The collection company merely replies that the information is accurate. The only result is a note attached to the collection in my credit report stating " Dispute resolved, customer disagrees. '' The collection company has yet to provide the " date of first delinquency '' to the reporting agencies. 

My consumer protection attorney advised me to file this complaint and contact the company before proceding further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address at XXXX XXXX & XXXX XXXX XXXX are old and should be removed. I live there bover 25 years ago.
Product: Debt collection

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.
Product: Mortgage

PHH Mortgage is refusing to correct my taxes that are escrowed. The customer service department is refusing to fix their error. My taxes are paid semi-annually, always have been, nothing changed in 2021 for how my property taxes are to be paid. PHH Mortgage did not pay my 2nd semi-annual property tax bill  that was due XX/XX/2021 and is now past due with late fees. They are refusing to pay it unless I send them the bill, which they already have and the county already provided to them. The customer service rep  is refusing to fix our escrow account to semi-annual, refusing to pay the overdue property taxes, and refusing for PHH to pay the interest and late charges to the County that has accrued since they did not pay the taxes timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that there are accounts on my credit report that I have no knowledge and the credit bureau has not validated or verified.