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

About a year ago I tried to refinance a vehicle through my bank. I was told by them they can not pull up my Equifax credit report. I called Equifax and they told me I had no credit file. After talking to multiple people including a Supervisor, I was told I had 2 credit files. They then stated I needed to submit a request to merge those files and provide proof of identity which I did at that time. I have then had to send 3 more times Proof of my identity which they keep stating that it's not legible. I have mailed to times and faxed one time my ID. These copies are very legible and in color. They are still refusing to fix my credit file which has prevented me from achieving any type of loan or mortgage loan For the past year. I was also told that my social security number was involved in the breach that happen last year. So at this point I feel like I'm just getting the run around from them which is preventing me from moving forward in my life. I would like this issue resolved ASAP thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage reported me as 30 days late for the month of XXXX due to no fault of my own. I am requesting that the 30-day late reporting be corrected to reflect the account as paid as agreed. 
Since the inception of the loan, I make my payments on the Carrington website between the XXXX and XXXX of each month. On XX/XX/XXXX, I made an online payment on the Carrington website as I had always done in the past. As far as I was concerned, the payment was processed successfully. On XX/XX/2022 I received a call from a Carrington rep who informed me that they didn't receive the XXXX payment. I informed her that I made a payment online. She put me on hold and researched as to what transpired. She said that their system was down on the day that I attempted to make the payment, and that my payment was not processed successfully. She assured me that if I make a payment immediately, there won't be any late fees or late reporting. I made the payment on the spot and yet I was reported 30 days late on my credit. Please correct the reporting as promised!!! There was a glitch in Carrington 's payment processing system as confirmed by their rep and I shouldn't be held responsible for an error that occurred on their end. This was a bank error, and I am being penalized for something that was out of my control!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unfortunate circumstances, I was forced to file bankruptcy. The account with XXXX XXXX XXXX, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Debt collection

In XX/XX/XXXX I registered for a credit card from Home Depot, XXXX XXXX XXXX, XXXX XXXX, TX XXXX with purchases totaling {$5.00} to be paid when the credit card was received. When the credit arrived in XX/XX/XXXX. I made the {$5.00} payment by phone. They would only accept my Credit Union check ID #. No receipt, or confirmation # sent to me. I called to inquire about a receipt in XX/XX/XXXX and was told that I had a late payment of {$7.00} & that my check was not cashed because I left off XXXX XXXX in front my ID #. I was not notified because they claimed not to have my contact info. They did have my address. I gave them my ID # again with the XXXX XXXX. Meanwhile my Excellent credit report was affected & reduced, I called again in XX/XX/XXXXasking for a confirmation and was told that I now have a {$9.00} late fee because my bank would n't honor my check ID #. They never contacted me or my bank. I cancelled the Home Depot credit card. Today XX/XX/XXXX I received a letter, even though they said they had no contact info. for me, saying that I now owe a {$11.00} late fee. This time they asked for my debit card # which I did n't trust them to give. I went to Home Depot to pay cash and was told by customer service that " Citi Bank '' would have continued to increase late fees if I had n't come in to pay in cash. I received a receipt from the XXXX. store and had to call XXXX on the phone for a confirmation # and asked them not to bother me again. But tonight I went to the Home Depot web site and saw that they still say that I owe {$11.00}.
Product: Credit reporting

I attest that I am XXXX XXXX, and the owner of the verbiage that is contained in this dispute. 

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Trans Union . 
2. Trans union claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.
Product: Debt collection

I SENT CEASE AND DESIST ORDERS TO CREDIT BUREAU SYSTEMS IN XXXX AND XXXX KENTUCKY. I ASKED THEM TO VALIDATE THE DEBT. I ASKED THEM TO PROVE THEY HAVE MY AUTHORIZATION TO ATTEMPT TO COLLECT ANY DEBT FROM XXXX XXXX. THEY SENT DETAILED BILL PAGES FROM XXXX XXXX ONLY. THIS IS A HIPPA VIOLATION BECAUSE THE BILLING SHOWS LINE BY LINE OF MY SERVICES RENDERED TO ME. THEY HAVE NO AUTHORITY BY ME TO HAVE HIPPA INFORMATION OF MY PRIVATE MEDICAL SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX   ) XXXX XXXX XXXX ( XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  ).
Product: Checking or savings account

On XX/XX/XXXX I sent a electronic transfer to XXXX XXXXk I sent payment to the wrong account number. Once I realized it I called for a reversal. Ive waiting for Navy to send reversal and nothing has happened as of yet. 
I explained to navy Federal that of investigation process takes over 10 days which it has I should be provided provisional credit ( they said they couldnt ) I also informed them that under the EFTA it protects the consumer and Im only responsible for 50.00. Im still waiting for my funds to be refunding. After speaking to XXXX she states that she couldnt give me provisional credit I am aware under the EFTA ACT was passed by Congress in XXXX my XXXX XXXXr this act protects diners with electronic transfers. Navy Federal has not following this law. I have also submitted complaints with the FTC. CURRENCY COMPTROLLER. XXXX XXXX XXXX FDIC Please help Since Im here Ill mention that my credit card is not open ended and by law it should be please check into that too.
Product: Mortgage

This is what I sent to LoanCare with their contact information Dear LoanCare I am writing you because I believe I received late charges that I did not deserve. I would like the charges refunded or taken off my principle. 

this month I made 2 mortgage payment one was receive and the other was not. 
Please view a payment made on the XXXX as well as the XXXX. The payment on the XXXX was processed after a number of days but the payment on the XXXX was never process. 
the XXXX payment was received ; the XXXX payment was denied for bad check reversal. When I called Loan care I was told I did not use the correct account and routing number. I checked with my back who told me I was using the correct account and routing number. 
Further I have resubmit my payment with the same numbers and it was receive with a late charge. I would like the late charge returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Loan Inquiry : LoanCare XXXX. XXXX  XXXX XXXX   XXXX, VA XXXX Attn : Consumer Solutions Department Payments : LoanCare XXXX XXXX  XXXX XXXX, PA XXXX Notices of Error/Information Requests : LoanCare XXXX XXXX XXXX XXXX XXXX, VA XXXX Attn : Mortgage Resolution Overnight Address : LoanCare  XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Sent from my XXXX
Product: Debt collection

My name is XXXX XXXX, I am XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX, phone number XXXX. My email add : XXXX. First and formost I am a veteran and don't appreciate being treated as I have since moving into this complex. I have been waiting on my deposit from XXXX on XXXX for months instead they sent me to collections, saying I owe them {$1200.00}. that company IQ International are not able to tell me what I owe this {$1200.00}. for I have copies of my check back and front showing I have paid the rent, I have copies of receipts for professional cleaning of the apartment, copies of receipts from their office showing I returned all the keys into them. I have copies of the third party they use XXXX showing what I owed for the month of XXXX when I asked them why is the bill from XXXX still the same although no one lived in the XXXX XXXX the month of XXXX or XXXX they couldn't tell me even though I moved out the end of XXXX XXXX I still paid the funds required for XXXX, XXXX and XXXX. I am attaching copies of all my receipts. I am also writing to the XXXX and their XXXX XXXX XXXXXXXX and Consumer Protection Agency. Prior to my moving out in XX/XX/year> the refrigerator went bad in the apartment, instead of replacing it they tried fixing it so my food went bad, their maintenance man was there and was able to attest to it. They said I would need to give them receipts for the food that went back, who keeps food receipts after two weeks so of course they never paid me for that. If anything they owe me {$1200.00} plus interest. Once going into the office there at the complex they showed me their bill which was incorrect, showing I owed money for the Month of XXXX in which I have checks proving they received their monies and more than they should have. At this point they can keep my deposit of XXXX I don't want any further interaction with them once this has been cleared up. I am sent a monthly XXXX  statement each month letting me know what is due to be paid by the first of each month and that I what I use to paid them before the first of each month. I have always paid a month in advance for the rent which was always more that what the statement required. The Headquarters is XXXXXXXX XXXX XXXX  they doing business under XXXX XXXX XXXX location XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, AZ XXXX I can also produce all the cancelled checks from XXXX and XXXX showing they had been paid for all utilities and rent. 



I have sent emails of my concerns and still have not heard back from their office. I would like to have my deposit since I have meet the requirements to receive my deposit back. This was one of the last emails I sent to them. 
I will continue to write and complaint to other organizations about how this company does not honor what's in the contract. I will also continue to send out negative reviews on your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX.I have opt out XXXX should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I received a letter from XXXX XXXX that was attempting to collect a debt from a PayPal account that was opened in my name. I do not have a PayPal account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

XXXX XXXX letter dated XX/XX/2020 for {$61.00}
Product: Debt collection

Last year ( 2016 ) I received a call from XXXX XXXX XXXX XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with XXXX. The debt was completely paid off XX/XX/XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was Portfolio Recovery Associates saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called XXXX and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at XXXX told me how to file a dispute with XXXX. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling XXXX, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from XXXX that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( XXXX  ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

Inaccurate Repossession ( Experian ) XXXX XXXX - XXXX - {$4300.00}
Product: Money transfer, virtual currency, or money service

I was helping my sister pay for a dress from a XXXX she connected to online, and she required a down payment of {$440.00} through Cashapp. That was all paid, and the XXXX stated that she would stay in contact with us. A month went by, and we heard nothing. Realizing we were probably scammed, we made claims and disputes, and we got the money back. But then later down the line, the claim was rejected, and we lost the money again, and it came out of my account. According to my bank when I reported this, since it was through Cashapp and its third-party, they dont possess the ability to contact the scammers bank about that the information or something along that line. It makes no sense how we can get the money back just for it to be taken again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9900.00} balance and it is also reporting a high credit of {$19000.00} and a past due of {$9900.00} ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to Equifax, XXXX, and XXXX  regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXXXXXX XXXX Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

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

Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX  XXXX XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX & XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name XXXX XXXX Account Number : XXXX  Account Name : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

ne would get back with me from XXXX XXXXl as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with XXXX XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from XXXX on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXXXXXX XXXX XXXXXXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXXXXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXXXXXX XXXX XXXXXXXX and no one ever returned my call.