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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXXXXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.
Product: Debt collection

On XX/XX/XXXX, I was notified of wage garnishment for a debt unbeknowest to me from my employer. I have not gone to court, nor have I been served with anything acknowledging I am being sued. I also did not have anything outstanding on my credit that would in turn cause a lawsuit. In review of the documentation, I am being sued for an amount of XXXX for LVNV Funding, LLC, which I have never heard of. The address listed on the documents and the date of XX/XX/XXXXXXXX  show of me being served I was not a resident at that home. Now I am having to stop this garnishment to ensure I am able to afford my bills from an account I do not owe nor have any obligations to. I am asking for this company to cease and desist this lawsuit immediately as it is fraudulent and did not properly follow procedures to validate a debt nor serve me to allow defense in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

I.C. SYSTEM, INC ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
Product: Mortgage

XX/XX/XXXX I received notification from the Florida Homeowner Assistance Fund that was was approved for Mortgage payment assistance for 18 months ( XX/XX/XXXX - XX/XX/XXXX ) and approved for an additional amount of {$3300.00} that could be applied towards late fees or past due amounts, which I did not have any late fees or past due amounts, since I was previously forced into a Loan Modification at the end of XXXX after Mr. Cooper started rejecting my mortgage payments and sending them back to me. I never received notice of XXXX XXXX, but was charged multiple attorney fees. I reached out to Mr. Cooper to ask why was the money received from HAF being placed in a suspense status and not being applied to my loan. I was initially told they did not know where the money was coming from, but since I called to make them aware that it was funds from HAF, it would be, but it had to be handled by a special department that handled HAF funds. I emailed them several times requesting that the funds be applied to my account. As recent as XX/XX/XXXX, this still has not been rectified. Before I was made aware by the Homeowner Assistance Fund ( HAF ) that they had began to send my monthly mortgage payments I also was continuing to make my monthly payments. I am being told by Mr. Cooper they would need to research this matter, after I provided proof of duplicate payments that continue to not be applied to my account. They even did three escrow analysis without my knowledge in a two month timeframe in order to increase my monthly payments, after I paid the initial escrow shortage to keep my payments the same. Mr. Cooper has changed my payment three times without reason or my knowledge in XXXX. There has been several discrepancies on their behalf, example HAF sent a lumpsum payment of {$3300.00} on XXXX XXXX. Mr. Cooper applied {$3200.00} to my account as Miscellaneous on XX/XX/XXXX, which I have no idea what Miscellaneous is and still have yet for this to be accounted for. HAF then sent a monthly payment amount of {$1000.00} on XX/XX/XXXX that was not applied until XX/XX/XXXX, another payment of {$1000.00} was issued by HAF on XX/XX/XXXX but was in a suspense status until XX/XX/XXXX. This is not including the payments made online to my account by me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as duplicate payments. I was told by the Mr. Cooper representative on XX/XX/XXXX that they can only address the missing payments that I made to them, they can not account for the payments that may not have been applied from HAF. I have missing payments that still have not been applied, however ; Mr. Cooper as recent as today XX/XX/XXXX is reporting my loan as delinquent on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXX XXXX during COVID-19.
Product: Vehicle loan or lease

Bridgecrest not send accounting instruments pertaining to my personal account and theyre trying to repossess the vehicle after it was paid for with my credit. They are in violation of 12 CFR 1026.13
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Also Known As : XXXX XXXX
Product: Mortgage

Shellpoint Mortgage purchased my home from the XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received a letter from XXXX XXXX stating that it will take from 60 to120 days to review my account XXXX and to just complete the account information sheet that was enclosed therein and return it on XXXX/XXXX/XXXX I received a note stating that I need to pay {$13000.00} by XXXX/XXXX/XXXX or they will foreclose on my home. this is not right they advised me that if there were any past due amount on the ; loan they would place it on the back end of the loan,
Product: Credit card or prepaid card

On XX/XX/XXXX, Monday. I called Citi, XXXX, on current statement ( bill due XX/XX/XXXX ) to make a payment. I have used the automatic system throughout the history of this card ( member since XXXX ) ; on statement ). I had made consistent payment and NO late payments. The automatic system could not find my account through phone verification ( this is the first account with CITI ), full cc #, full social security, partial SS #, bank account numbers and actual card number connected to this account. I USED touched tone and voice able. It connected me to a rep outside USA, and she tried to verify using the above, using my phone XXXX, another phone number for text " code '', security question, address. Rep stated she could not verify the account. I asked to speak to a supervisor in the USA and she stated it take a long time for a USA rep to be connected and I said connect me anyway. I got connected to the USA sup and she tried the same thing as above. No attempts were made to update phone number ( old number on file ), no attempts were made to update security questions on their ends. USA rep sup told me the last rep stated she send a letter with a verification code and I am to call back with this code. I TOLD her she never sent a letter nor told me about the letter and to listen to the recordings. I REQUESTED RECORDINGS of ALL ANY CONVERSATIONS, Still have not received and I REQUESTED NO LATE FEE ON MY ACCOUNT and the first rep and sup stated because we can not verify the account that is not possible. I REQUESTED THIS TO BE NOTED ON MY ACCOUNT. What is interesting to me is the system had no issue pulling up a NEW ACCOUNT, paid in FULL. This is the FIRST TIME I have ever experienced this and I have bank statements showing payment. This is unethical, demeaning, and horrible customer service USA  and outsource.
Product: Debt collection

Are you kidding me? the last time the spoke to me was XXXX2018? I have been contacting them through the CFPB. Are they really that lame? I was told it takes 30 days for this to be removed and we are now into the 90 day time frame and it is still on the XXXX report. So again Credit World has been in contact with me through this portal please get the facts straight. I was getting absolutely no where when dealing with these people directly!
Product: Credit reporting, credit repair services, or other personal consumer reports

should be off my report promise to take off report. never did
Product: Credit card or prepaid card

XX/XX/2022,,,,,, capital one, i made a debt for XXXX and its not pending or posted to my account,,, had this happen to me before by capital one, what it is, is that if its not posted or pending and it drops off your account, then it adds it back to the account and makes the concumer pay high interest and puts the consumer into debt so bad that it ruids there credit and everything else,,,, i was very sick due to this happening to me before, stayed awake for almost a solid week worrying over this same XXXX, im in bad health and, i dont need this at all
Product: Mortgage

Penny Mac has been telling me that deferring my payment to the end on my loan was a foreberance option available to me..Tonight, a  supervisor, XXXX, told me that because I paid XXXX XXXX   mortgage on XX/XX/2020, instead of XX/XX/XXXX, the option to defer my mortgage to the end of my loan is no longer available..I have made a formidable effort and have caught up to my mortgage to most of XX/XX/2020. I have exhausted my savings and have NOTHING LEFT. XXXX.
Product: Debt collection

Bank of America employee Manager XXXX and XXXX told me the took the XXXX vacation charges off my credit card Because I told them I did not makes these charges The manager from Bank of America XXXX and XXXX Started playing games When I look at my credit report I saw a bill on my Credit report from Bank of America for XXXX I was told by XXXX and XXXX that it was removed Because on XX/XX/2019 I gave a XXXX XXXX register newspaper employee my Bank of America credit at the  kiosk at XXXX department store in the XXXX mall the XXXX XXXX XXXX employee ask for my email I gave him a XXXX email And I ordered the XXXX XXXX XXXX special The employee gave me A {$20.00} birthday gift card He told me that was what the manager at the XXXX XXXX XXXX told him to give to people who sign-up for the newspaper However a few weeks later I got the wrong newspaper it was the XXXX XXXX I call the XXXX XXXX XXXX customer service department and the employee told me I ordered the XXXX XXXX  and I used a gmail email Inform the customer service that their employee fraudulent charge the XXXX XXXX  on my credit card And he also back dated my credit card bill to XXXX XXXX I return the {$20.00} birthday gift card to XXXX XXXX XXXX manager by certified letter I canceled all my credit cards with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXXXXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts on my part to rectify this situation, the corrections have not been implemented, adversely impacting my financial standing. 

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these attempts have not resulted in the desired corrections, and the fraudulent information continues to negatively affect my creditworthiness. 

The existence of these fraudulent items has caused significant challenges, hindering my ability to secure favorable interest rates, obtain credit, and engage in essential financial transactions. I have diligently followed the established procedures, including contacting your customer service department, yet the promised corrections have not been made. 

I understand the importance of maintaining accurate and reliable credit information, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused considerable distress and hindered my financial well-being. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from NES, National Enterprise Systems. On the call, I requested that a verification of the debt be sent to me and I was told that it was already sent. I informed them that I had not received any information from them and asked if they were refusing my request. The agent told me that I was about to be sued and that they would list on my account that I was uncooperative.
Product: Credit reporting, credit repair services, 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. 

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

I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX  , 2017. The r equest that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Mortgage

REF : Case No : SERVICE OF COURT DOCUMENT - CASE NUMBER XXXX foreclosure auction is being conducted illegally as the plaintiff, BB & T has violated Federal Law regarding Dual Tracking. 
I was not given ample time to come to an amicable agreement with the plaintiff and their services. I was not given time torefinance or use the HARP program or Short Sell. 

Furthermore, the plaintiff took the case out of the hands of the civil circuit court saying they were unable to judicate thecase and proceeds with the auction. 

I will be persuing several agencies regarding the legal conduct of BB & T and suing for damages unless this auction is cancelled and I am givenample time to pursue my other options. I will sue for damages. 

The judge did not approve the Plaintiffs or my own motions. 

This is a motion for a new trial by a FEDERAL court who can judiciate such a case. 
The plaintiff has been unable to give me a payout amount or provide orignial documents. The plaintiff did NOTProvide a loss mitigation package when XXXX was requested even though they have my request on file and no record ofsending XXXX. 

I am a XXXX mother of XXXX children who has been actively working on this for over a year with NO assistance from the plaintiff, despite my MANY attempts to work with the lender toward a mortgage modification and a hardest hit package. 

Sincerely, XXXX XXXXCASE NUMBER XXXX
Product: Checking or savings account

IN XX/XX/XXXX I SIGNED UP FOR A GYM MEMBERSHIP WITH XXXX XXXX ( NOW CALLED XXXX XXXX XXXX I ATTEMPTED TO CANCEL THE MEMBERSHIP BUT I WAS TOLD IT WOULD NOT END UNTIL THE END OF A YEAR TERM AFTER XX/XX/XXXX THE GYM CONTINUED TO CHARGE ME THE MONTHLY FEE I HAVE CONTACTED AND GONE INTO THE GYM MULTIPLE TIMES TO REQUEST CANCELLATION BUT THE GYM CONTINUES TO DECLINE OR DISREGARD MY REQUEST IN XX/XX/XXXX I CONTACTED CHASE BANK AND PROVIDED THEM DETAILS OF THE ISSUE AND REQUESTED THEY STOP THE GYM FROM BEING ABLE TO CHARGE ME, UNFORTUNATELY NOTHING WAS DONE TO HELP MY SITUATION AT THIS TIME IN XX/XX/XXXX I CONTACTED CHASE AGAIN, AND THE REP ADVISED THAT I HAD TO PAY A {$30.00} FEE IN ORDER FOR THEM TO MOVE FORWARD WITH MY REQUEST OF STOPING WITHDRAWALS FROM MY ACCOUNT, I AGREED. 

NOW XX/XX/XXXX I RECEIVED AN ADDITIONAL 4 CHARGES FROM THE GYM I WOULD LIKE FOR CHASE TO REFUND ME THE ENTIRETY OF THE UNAUTHORIZED PAYMENTS, ESPECIALLY CONSIDERING THE FACT THAT THEY HAVE TAKEN {$30.00} TO FIX THE ERROR BUT INSTEAD CONTINUE TO LET UNAUTHORIZED CHARGES BE TAKEN FROM MY ACCOUNT THE TOTAL OF THE WITHDRAWALS MADE BY THE GYM FROM XX/XX/XXXX TO DATE IS {$350.00} I FIND IT COMPLETELY UNFAIR THAT THESE 2 COMPANIES ARE TAKING ADVANTAGE OF ME. WE ARE IN THE MIDDLE OF THE PANDEMIC AND THIS IS JUST MORE STRESS ADDED DURING A VERY DIFFICULT TIME. ESPECIALLY CHASE BANK SHOULD HAVE THE INTEREST OF THEIR CUSTOMERS PRIORITIZED, BUT INSTEAD THEY ARE ALLOWING XXXX  TO CONTINUE TAKING FROM MY ACCOUNT. THESE COMPANIES ARE GETTING RICHER BY CONTINUING TO STEAL FROM THE COMMON PEOPLE. 

I HAVE ATTACHED AN EMAIL RECEIVED FROM THE XXXX AS PROVE THAT I HAVE EXHAUSTED MY OPTIONS FOR HAVING THIS MATTER RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX