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

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX, XXXX XXXX Transunion.
Product: Credit reporting or other personal consumer reports

I am a working woman who was in the process to getting approval for a home loan for first time homebuyer which is a new townhouse in construction. At the time my credit score was XXXX and I was approved by the builder for the townhome. During that process I had paid most of my bills accept one which was through PAYPAL/ My Synchrony Bank which is for {$120.00}. I was alerted by the Financial Mortgage Lender regarding this which I paid the whole amount on XX/XX/XXXX. My credit score went down XXXX points. When I paid off the account my credit score went back up to XXXX points. I was asked by my lender at the time if I can request a letter from PAYPAL/ My Synchrony Bank if they can remove the " late account " off my credit report. This would require them to request the three credit bureaus : XXXX, XXXX and XXXX to do this. I received a letter regarding the balance being at {$0.00}, but they would not remove this late account off my credit report to ensure that the account was paid off. This have made it difficult for me to go through the home mortgage process. I have had this same experience with an electrical company which I paid off my account and the company it not remove the late payment off of my record. I need assistance in how to remove closed accounts or paid off account out of the three credit bureaus. I also have my credit score rise back up to XXXX, XXXX and XXXX. Attached are my letter which I ask the PAYPALto remove the late entry. The other letters attached are the response from PAYPAL.
Product: Debt collection

I contacted Diversified Consultants IncXXXX on XXXX/XXXX/XXXX concerning new information on my credit report from XXXX in the amount of {$460.00} that was opened in XXXX XXXX. I have not lived in an area that XXXX has serviced in about 5 years. I told the representative that this date was incorrect and that there is no way that this can be correct, I asked for the original bill to be sent to me to validate this amount and the date. The representative told me that my credit report would only show when they bought the debt and reported it, not the original date which I know is not true. I told the representative that that is not true and it should always reflect the original debt date and not the date they decided to make up. I was then passed on to a " supervisor '' who tried to feed me the same garbage. I asked numerous times for the original bill to validate everything, I was told that they do not actually have any bills and would have to request one from XXXX. The " supervisor '' told me I would be sent a bill and tried to hang up on me when I stopped him and told him he would need my address if he was going to send me the bill. At that point the " supervisor '' then said " oh, I was just about to get that from you. '' Once I ended the call with Diversified Consultants Inc. I called XXXX to see if I could get the bill. The XXXX representative told me that the original bill was from XXXX XXXX and that they no longer have any bill, the representative stated the bill was given to Diversified Consultants Inc. At this point I am being denied my right to validate this debt and if neither company can verify the debt with an actual bill then this should not be on my credit report at all.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I saw on my cash app that someone was able to send themselves XXXX  bucks from my account. I contacted both my bank and cash app about the issue. Cash app didnt do anything but my bank provided me with a refund. On XX/XX/XXXX my bank took the XXXX  buck out of my account because cash app told them that I had multiple undisputed transactions with the scammer. This is a false claim and if you look through my transaction history you can see that there is only on transaction with a person named XXXX and I deputed the claim. Cash app sent false information to my bank that resulted in me losing my XXXX  bucks. I have made multiple attempts to get an answer out of cash app but they refuse to address the issue. The claim that they addressed my claim but never answered the question of whether or not I have multiple undisputed transactions with the person who took my money. Cash app refuses to answer the question because the they know they lied to my bank and wont take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Product: Checking or savings account

XXXX XXXX Customer Service stated that I would be receiving paper statements of my account in the mail. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX. I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements.
Product: Mortgage

On XX/XX/XXXX, 2 days before the end of my grace period, I called Bank of America Home Loans to make a payment over the phone. In speaking with the representative, I asked what I had to pay to make my account current. He said {$1700.00} was due. I promptly made a payment and made arrangements to make another payment for {$1700.00} in two weeks, when I got paid. 

The representative promptly thanked me for my payment and that was it. Or so I thought. What he didn't tell me was that there was a late charge which BofA had assessed on my account that was not paid with the amount that he told me was due. For this reason, my payment was made on time, but the {$50.00} late fee was not. Although I made my payment on time, they are reporting that my payment was over 30 days late. In fact only the late charge was what was over 30 days late. This is materially inaccurate information. 

Additionally I would have expected the representative taking my payment to better explain what was due, and how I could pay it. I have no late payments over the entire course of this loan since 2010. The company will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been the worst mortgage company by far that I have ever worked with. They have given me nothing but problems and false reporting throughout the entire relationship. I am so glad that they sold the load to XXXX. 

Back in the XXXX, XXXX, XX/XX/XXXX time frame that had a totally random faulty reporting of late or missed payment on my credit report. When I saw it ( only because I was closing on another property and the lending company saw it ) I called XXXX and they sent the attached letter apologizing for their mistake and promising to remove it. As you can see from my current report.. .they NEVER actually removed it. A late payment from spring of XXXX is STILL on my credit report. 

In XXXX there was a hurricane in XXXX Florida which is where this property is located. XXXX mortgage pro-actively reached out to me to suggest a disaster relief plan that would have me defer three months payments. They told me to skip three months payments and then on the 4th month they gave me a new amount that I would be required to pay for 6 months. ( this amount represented my normal monthly amount plus an additional amount to make up for the XXXX months by spreading it out over 6 months ). I did everything that XXXX told me to do. I skipped the XXXX payments and I set up by automatic bill pay with the bank to pay a higher amount for 6 months and then resume with my normal monthly payments. 

I was never any days late. 

I heard that sometimes when they set up deferred payment deals that they plan on marking you as 30 days late, even though in my conversations with them before agreeing to do this.. They assured me that there would be NO negative reporting on my credit report. 

They did report me as late.. .however, I never missed nor was late on any payments with XXXX mortgage. 

Very predatory lending practices by XXXX. I hope to never have to do business with them again. 

Their predatory practices prevented me from closing on a new home which was to be my first home owned primary residence since XXXX. 

Please help. Thank you so much. 

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

On XX/XX/XXXX and XX/XX/XXXX I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Validation on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX to VALIDATE which they never response to this unknown account. XXXX properly investigated and deleted off my credit report on XX/XX/XXXX. Experian refusal to properly investigate or properly mark this account as in dispute as is in  violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX   credit report and a copy certified mail to XXXX XXXX XXXX. Experian concluded that the monthly payment and balance is accurate and verified when I did dispute. Clearly its incorrect because a auto car loan can not have a monthly payment of {$0.00}. They verified that the balance of {$15000.00} is accurate. They also verified that I pay {$8000.00} on this account on XX/XX/XXXX. So if I paid {$8000.00} on this account why is the balance is {$15000.00} when Experian verified that {$20000.00} was written off? Which under FCRA is inaccurate and must be DELETED because the balance and monthly payment is is reporting inaccurately. FCRA states to put on a Consumer report everything must be 100 % accurate and correct!!!
Product: Mortgage

Loan modification offer has been altered from the original offer. The " Principal Reduction Alternative '' clause was removed in the third modification package I received. 
HAMP affidavit has a " Rental Property Certification '' clause. it has been established that I am living in the property. 
The " Clarity Commitment '' sheet is missing in the third packageI received. 

Nationstar has been sending me package after package. that I have signed and sent back. The events are as followed. 
-On XXXX 2016 Nationstar sent the Loan Modification Package. I signed it and sent back. 
3 weeks later I inquired about it. They say that one of the papers was not signed. 
-Mortgage company sent a second set, replica of the first set. Signed and sent back. 
Did not hear from them in weeks, when inquired by phone, they say to wait for it to be " booked ''. 
-A third modification package was received on XXXX XXXX. This one is different in the following ways. 
1-In the summary page, the " Principal Reduction Alternative '' Clause that was in the original package is missing. 
2-HAMP affidavit was included this time, but it has a " Rental Property Certification '' clause, even though it has been establish that I am living in the property. Is this right? 
3- '' Clarity commitment '' sheet missing. Which I do not even know if it is necessary, but it was on the original package. 

On XXXX XXXX, email and an followed by a voice mail to my assigned loan agent. 
With these concerns. 
I do not received any answers. Few weeks later, what I got in response, was a XXXX package. Replica of the third one, urging me to sign and send back. 

XXXX XXXX, left a voice mail to my loan specialist, followed by an email on XXXX XXXX to ask him about the HAMP " rental property certification '' on the affidavit. 
And the other two issues listed above. 

Today I got a letter from Nationstar stating that they are going to look into the matter and will respond, latest XXXX XXXX. 
The issue with this is that Loan Modification Package is due by XXXX XXXX! 

This is really frustrating. It feels like I am been played around. 
Voice mail and emails addressed to my loan specialist are not been returned. 
I will attache the supporting documents to this complain.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accur acy of my credit report. Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment histor
y and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.
Product: Credit card or prepaid card

I had my Kohls XXXX  used without my knowledge or permission.Fraud started around XX/XX/2017, total of $ XXXX have sent the company copies of police report.The company says there is no fraud.There was XXXX people involved and both have been reported to the police.Kohls needs to admit this is fraud and clear my credit, plus issue to me a new card.The XXXX involved also opened up a new account in my name.This was also reported.
Product: Credit card or prepaid card

Hello, I booked a refundable airline ticket through Chase for XXXX XXXX flying from XXXX, XXXX to XXXX, IN. When booking the tickets I confirmed with the agent that will there be any fines or penalties in case I canceled the ticket. They said there would be no fines or penalties, I also confirmed the same with XXXX XXXX and they said there would be no fines or penalties as long as I have a refundable ticket. Now due to some unforeseeable issue with my visa, I had to cancel my trip, and chase charged me XXXX $ fine for cancellation saying that XXXX has this policy. I checked on XXXX airway 's website and it does not say that. I need help with this issue, as I booked a refundable ticket so I do not have to pay any fines. It would be great if you can help me with this issue, as XXXX $ is a really big amount for me.
Product: Mortgage

On XX/XX/2020, I made a payment to Bank of America in the amount of {$12000.00} from my XXXX XXXX  account. This payment was for my mortgage for my XXXX payment of {$2100.00} and {$10000.00} to be applied to principal. ( I have been paying extra on principal since the beginning of the year. ) After the payment was received by BOA, I received a statement indicating the payment had been applied to my XXXX and XXXX payment and the balance of {$7800.00} to principal. 
I have sent several messages and made several phones call trying to resolve this issue as detailed in the attached document BOA Issue with Payment.
Product: Debt collection

On XXXX-18 @ XXXX XXXX I contacted Nation Recovery Center about a debt that showed up on my credit report that i wasn't completely sure of what it was. I was transferred to an agent XXXX XXXX who i inform i wasn't 100 percent sure of the debt and when he informed my of what the debt was I told him I thought it was cleared in a previous bankruptcy. XXXX XXXX inform my it wasn't. I proceeded to inform XXXX XXXX that I, m currently unemployed and would like to try and settle the debt, when XXXX XXXX proceeded to inform me that I'm lying and that I am current working. He then gave me the name of a former employer when i attempted to inform him that the information was incorrect but was told once again I'm being untruthful. I asked for a settlement amount on a {$1700.00} debt when i was put on hold and was offered a {$1300.00} settlement. When i tried to get a lower settlement amount and explain that I'm currently unemployed, XXXX XXXX proceeded to in form me that I'm lying. I was also told that " how can i afford to buy a {$30000.00} car last year with no job '' I explain that I brought it last year when i was employed. XXXX XXXX continued to claim I was lying and then inform me that I'm gone pay this debt one way or the other. He told me that they could garnish my paycheck, also that they can put a lien on my bank account at XXXX and at XXXX. Then XXXX XXXX told me that I'm going to have to pay them anyway because I'm trying to buy a house and the place where I'm trying to get the loan will make me pay which I never informed him of. I then told him I never said I was trying to get a house and he proceeded to tell me I was and name 5 other creditors that I paid off. At that point I asked to speak to a supervisor and then was told by XXXX XXXX that he is rejecting my settlement off and i have to pay in full then transferred me to a supervisor XXXX XXXX XXXX ( supervisor of civil judgement ). I explain to XXXX XXXX that I don't appreciate the threats and the interrogation tactics, XXXX XXXX seem to condone XXXX XXXX actions. I then asked that the call be reviewed by a supervisor and the appropriate actions be taken. I then inform XXXX XXXX that i want to settle the debt, When XXXX XXXX inform me that the settlement amount was off the table. I honestly feel violated and no company should have the ability to threaten you and call you a liar to make you pay a debt in which I reached out to settle.
Product: Checking or savings account

XX/XX/XXXX. Some unknown ... no caller identification. Nasty person. Took {$800.00} and then {$10.00}. And then {$11.00}. Mistaken I did not know the up address. I know no one in XXXX and that all put my savings in the negative by {$37.00} plus dollars Please block any and all foreign XXXX address XXXX Trouble with Romance scam Sweepstake scam And Person that used my telephone account She did not pay for merchandise mailed USPS And IDENTITY THEFT Calling about some kind of package and CYBERBULLYING CYBERCRIME
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is steel reporting the Inquiries that are false and fraudulent and they hurting my credit report Experian keep Violating my rights as a Consumer and the Inguiries was not never remove this a Violation Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information and a Violation of FDCPA Section 807 Violation Misleading False Reporting So all Inquiries need to be remove.
Product: Debt collection

XXXX/XXXX/2015 - XXXXCall from XXXX , Home phone, she said she has some court documents for me, I told her to serve the documents she tried to claim she was n't from a collections agency and said she was from the Legal Department of PRC . When I told her to serve the papers she also became very rude and hostile telling me I will go to jail for this. I explained to her that I have no problem with litigation. 
XXXX XXXX called my Cell phone asking for the supervisor of XXXX XXXX. I identified myself as such and she said she wanted to know the protocol for serving court papers at work. I told her to feel free to serve them however since she had Identified herself as a collection agency she was in violation of the FDCPA. She then denied she was from a collection agency and said she would " see you in court ''. 
XXXX call this week! 

I have asked for, in writing and verbally, the amount of the debt, the original debtor, and why they believe the debt is mine. I have never been given this information. I have addressed several letters to the following XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXXThey have yet to return a letter.
Product: Checking or savings account

On XX/XX/2024 Chase bank claimed I opened a claim for 3 transaction but Ive never opened these claims and all my funds were token out of my account without authorization and I had to open a new account due to my access was given to someone other than myself. I called the fraud team and they stated that it was an online issue and that someone acted as if they were me but it wasnt me. 

Transaction 1. XXXX from XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX pesos
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

EXPERIAN : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} XXXX  : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been harmed by equifax, XXXX and XXXX. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.