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

On this specific account XXXX XXXX  reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. XXXX  reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX  and XXXX  needs to be removed and XXXX  needs to show that the full balance was paid. 

Correspondence Log with MoneyLion : XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from MoneyLion ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX XXXX min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Product: Checking or savings account

XXXX # XXXX - I trying to update my email address to a new email My account was deactivated Tuesday XX/XX/2021 at XXXX XXXX Coinbase support hasn't been too helpful. I get the message Sorry, account temporarily disabled. Please contact support. I've been without access to my account and funds since Tuesday XX/XX/2021. I have provided an e-mail below is the last message I received from Coinbase. 

From : Coinbase Support <help@coinbase.com> Date : Tue, XX/XX/2021 at XXXX XXXX  Subject : [ Reply ] Case # XXXX - I trying to update my email address to a new email To : XXXX XXXX Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15USC 1681i ( 5 ) ( B ) ( i ) ( ii ) ( iii ) once information is deleted it shall not be reinserted. There are various accounts that was deleted that has reappeared on my credit file. These accounts needs to be removed and blocked immediately. This reinsertion is a violation of my rights. 
The accounts that need to be deleted XXXX XXXX-XXXX- {$60000.00} XXXX XXXX-XXXX- {$5000.00} XXXX XXXX-XXXX- {$6800.00}
Product: Mortgage

I am having a very difficult time with PHH mortgage. I have recently been declined for a loan modification and mortgage assistance. I believe we are a victim of a predatory mortgage lender. We were never aware or told the our mortgage had a ballon payment. Originally with OCWEN, PHH informed me they6 could assistance me with a loan modification. I applied for a modification and was declined because the loan value was {$240000.00}. I wrote back to PHH stating the appraised value was wrong. I resubmitted for a modification while showing the value was higher. PHH then declined me stating the value of the property was {$290000.00}. PHH has never done an interior appraisal. The representatives are located in XXXX. They have no idea the value of my property and are making up information to decline me. That is bank fraud, predatory lending.
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to get a letter from Chase stating that they reversed 2 small late fees on an old credit card of mine ending XXXX as it is having a negative impact on my credit score and I am trying to get a mortgage. I had called to close the account and apparently in remained opened. There was a balance of {$340.00} on my account which I paid on XX/XX/year> as soon as I realized it hadn't been closed. While the card is currently closed with a XXXX balance, this is not sufficient information for XXXX to remove the XXXX strikes against my report. I have been trying to get a letter from Chase stating that they reversed the two fees, but they only send me a standard letter showing the card is closed with a XXXX balance. The issue on my report is only about those XXXX late fees that Chase didn't even make me pay because of the misunderstanding as we had previously requested to cancel the card. 

Is there anything you can do to escalate this quickly? 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector is inaccurately reporting a balance on a debt that has been settled. The debt is regarding unreturned equipment which was returned on XX/XX/24. I received validation of debt on today XX/XX/24 only about the unreturned equipment. I called the debt collector who stated the debt was for an old balance and a different amount however I was never sent a validation of debt for said old balance only the unreturned equipment. The debt has been removed from my XXXX credit file however XXXX and XXXX is still showing it as reported which is a violation of the FCRA due to inaccurate reporting! This is not fair and I have returned the equipment therefore the debt is no longer valid and should be deleted
Product: Credit reporting or other personal consumer reports

I appreciate your time to read my complaint, Im complaining about the accounts, inquiries, and addresses in my credit report. This information in my credit file are resulted from identity theft, I need these to be removed immediately. This information reporting in my file are not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.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 Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

Experian has given my information to companies not having a valid need for access and without my authorization. I contacted XXXX XXXX and XXXX XXXX ; and they claimed there is no record of contact from them nor am I in their system. XXXX XXXX and XXXX were, also, not authorized for access. The XXXX enclosed documentation has been disputed several times as the company, XXXX XXXX XXXX, can not show proof of debt. My records show a XXXX balance and they can not show a record for what the debt is for. Who wins on this one?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is XXXX XXXX, My previous name : XXXX XXXX I was Changed my name 2 Years ago with Court Name Change. 
I Changed All My information through this time with all my Banks Debit and Credits. 
But still not Changed with ( Experian Bureau Credit ), is so hard options to change. 
first time when I called more than 1 year they said by phone, we can not change until we seen all your credit cards reported this change, but the banks already changed, I waited all these times but no change. 
I called them again by XXXX XX/XX/2020 they said just fax it to us all your documents. 
then I sent by fax all my change name documents like SSN Card, and court name change, and my state driver licence, with cover letter to explain. 
after 5 days they updates my information with wrong info. they updates just my last name. 
And keep my old first name. right now when open my Experian account no credit history to see. my name is wrong. 
I tried to call again with 2 more times then I fax it again, with no changed or update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : XXXX XXXX  AmeriCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Beginning XXXX I notified 5th Third Bank of fraudulent activity from by business account. The fraudulent activity actually started XXXX. The name associated with the fraud was NOT MY NAME. The bank was also made aware of this fact as well. I was told by the bank on XXXX that the funds would be replaced into my account in XXXX days. A case number was assigned but the funds were not returned to my account. 

On XXXX another fraudulent charged was done even though the bank had been aware of the activity. I had gone to the bank in person XXXX when I first noted this activity. 
I had filled out a transaction dispute form previously with the bank and was instructed to do so again on XXXX. I was again informed the funds would be replaced in 10 days to XXXX weeks. They were not. 
In total at this time the monies I am owed total {$450.00} Fraudulent withdrawals XXXX {$15.00} XXXX {$90.00} XXXX {$90.00}. 
XXXX {$100.00} XXXX {$75.00} XXXX {$75.00} XXXX even notified the bank each month when I saw that the charges were pending however, the fraudulent charges were still allowed to go through.After meeting several times in person with the local branch XXXX and with no results I did Email the bank CEO. At this time I still have not had resolution to this situation.
Product: Debt collection

A notice of cease and desist, as well as a certified proof of contract was sent to Capital Recovery Corp. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Product: Debt collection

I leased a car with  Toyota Finacial Services.  I turned the car in   XXXX   XXXX  . I received a final bill for a lease turn in fee for  XXXX . I paid the  Bill  on  XX/XX/XXXX  for the amount of  XXXX . I heard nothing fromToyota until   XXXX   XXXX   XXXX  , when I received a collection Letter from   XXXX   XXXX   XXXX   XXXX  . I contacted Toyota and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  Toyota ret urned payment on   XXXX   XXXX   XXXX  . I sent another  Electronic payment to Toyota  on  XX/XX/XXXX . I called  Toyota to  verify payment where they forwarded me to  XXXX   XXXX   XXXX  on  XX/XX/XXXX .  XXXX   XXXX   XXXX  tried to Verify Payment with  Toyota Financial Services  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  4th pa ge shows the electronic payment made to  Toyota on    XX/XX/XXXX . The second file is a message from  XXXX  that sho ws Toyota sent  back payment. The third file is the payment made once again t o Toyota Finacial Services  on  XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  XXXX   XXXX   XXXX  by certified mail.
Product: Credit card or prepaid card

Wells Fargo won't stop harassing me about fraudulent charges on my account ending n XXXX. They claim the charges are valid but at the same time say they are not insinuating I made a false fraud claim or false police report. Well not sure how else I can take it. They also say it is unlikely that a fraudster would make charges in a similar area as another fraud claim I made. Fraudsters will commit fraud where they have been able to do in the past. 

I can not drive due to eye issues caused by XXXXXXXX XXXX so I could not possibly drive to the location in question which they claim is 16 miles from where I live. I have filed for XXXX because of this XXXX and attached the paperwork I had to fill out for my XXXX  claim. I ca n't drive, no one drove me to the location. The fraud occurred during the day and my husband is not home he is at work so he could not have driven me. 

I nor anyone else known to me made these fraudulent charges. I can't afford to pay for something I did not buy. I am a XXXX XXXX XXXX and never shop at extravagant places like XXXX XXXX. My budget is limited. I've even resorted to having my husband take me to the XXXX XXXX XXXX XXXX to get free food. 

Wells Fargo keeps saying the same thing when I file a complaint - charges are valid and they are not and they are not insinuating that I made a false fraud claim or false police report. In reality they are accusing me of making a false fraud claim and false police report - otherwise how could they continue to say the charges are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.
Product: Credit card or prepaid card

I purchased three items via XXXX. I returned all three items and XXXX took over two months to finally refund my personal debit card, however, my credit card was refunded, but I am being charged two late fees. Commedity Bank is saying that I am still responsible for the late charges even though it was XXXX that did not refund me in a reasonable amount of time. They refunded me one late fee with interest, however, they are refusing to refund me my second late fee, since the only reason it was late due to XXXX not reporting to the account. I don't understand why I would be charged {$50.00}, when the account balance should have been credited to XXXX. I would like to dispute this charge and get the balance to {$0.00} so that I can close the account.
Product: Mortgage

Hi, I am asking and pleading for your help. Bringing this back to XX/XX/XXXX, we accepted an offer on our house from a woman using a NACA loan. This NACA loan is a government/state ( honestly it is not very clear who assists ) aide loan. This has been an absolute nightmare since. We were set to close XX/XX/XXXX, however, received notice on XX/XX/XXXX at XXXX that we would not close, and not given a reason why. All we were told at the time is that there was a minor hold up that they needed one week tops to clear. By that time, my family and I including my XXXX year old and XXXX month old were in a house with no furniture except a crib, and XXXX air mattresses, which is because every extension we have had has been this " short '' extension that seems counterproductive to move anything back in. When they asked for a week, we set the extension for a week and a half for XX/XX/XXXX, to ensure there would not be another extension. XX/XX/XXXX came and went without a word from NACA. Our contact person out of the XXXX office, XXXX XXXX, has been avoiding office calls, emails, and cell phone communication. We finally got a response from XXXX XXXX 's supervisor XXXX XXXX after our closing on XX/XX/XXXX had already passed. He then explained that it would need to be postponed again and that again it wAs just the bank reviewing the clear to close. Once again we signed an extension that brings us to XX/XX/XXXX, tomorrow. Once again no one can get ahold of XXXX XXXX. This whole process is unbelievable. This is a program that advertises being for a family, however, they have acknowledged the conditions my family has been living in and done nothing. My 18 month old was hospitalized during this time which we again expressed to them, yet nothing was done and calls, emails and texts were ignored. I think that this is something that would help many people to investigate. If you look up NACA there are many similar situations. If you look up XXXX XXXX and XXXX XXXX you can find many situations involving the same people. This is not right for my daughters to live like this and it is not right that they are continually getting away with this. 

I hope to hear from you soon, thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit card

A credit line of XXXX was open for Southwest Rapid Rewards Plus Credit Card. I did not open any credit line with this company.
Product: Credit reporting

I have notified Experian numerous times, even sent a police report, letting them know my credit report is being accessed by unauthorized parties. I 'm including a notarized letter listing these unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX XXXXXXXX Balance : {$74.00}.
Product: Debt collection

Midland credit management sent me letters of alleged debt through their lawyers XX/XX/XXXX. I disputed the debt and it was erased from my credit report. I also ask for fraud alert to be placed on my account with the three major credit bureaus. XX/XX/XXXX I had a summons taped to my door by a process server, Midland credit pursuing me for the same debt that is not mine and was deleted from my credit report. I responded to summons that is currently litigating it in court. XX/XX/XXXX I obtain my credit report from XXXX, XXXX  and XXXX. On XXXX  and XXXX  Midland credit had been reporting the debt and reporting different amounts than they are currently suing me for and the account numbers are different than account numbers that I'm also currently being sued for. All of the bank statements had numerous different addresses which I never reside and I constantly dispute through this whole case that this is not my debt, I do not owe it and that I am not the owner of the debt. Also, midland credit did not put in comment section of report that I disputed the debt until I serve them with a motion to dismiss XX/XX/XXXX and one of the bases was that they reported false and inaccurate information to the credit bureaus. XX/XX/XXXX I get an alert from XXXX  that my credit report has been updated. Midland collection agency finally updated to show that I disputed the debt but had not reported for at least 2 years. Midland credit not reporting that obviously has had an effect on my credit score and report profile. My credit score went up 25 points just from them adding that comment alone.