23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a payment plan with Specialized loan sevices for XXXX, XXXX and XX/XX/year>. If all payments were made on time I would resume my regular mortgage payments. All payment were made on time. In XX/XX/year> I attempted to make my XXXX payment but Shellpoint mortgage servicing would not aceot my payment saying I had not made my XX/XX/year> payment. I have proof that it was made on time. I have spoke with several customer service representatives and were told I will get a call back. I still can not make my payments neither online, or over the phone. I was told that they can see that I made my made my XXXX payment but it was " unapplied '' That proves that I made my payment. If they have my payment than I should be able to make my regular payment. In themean time now it seems that am I am XXXX payment behind and now they want the whole $ XXXX and more and want to proceed with foeclosure when I already did a Hemap packet with a agency and it was already approved. I feel this company just wants to take advantage of me and my take my home when I am trying to just live and keep my home for me and my children. I feel they are being predatory and are not getting anywhere. I was told I could resume my regular payments and have not been able to. I need help to make my payments. I am able to make my payment. I dont want to do another packet as I already was approved. It is not my fault that you transfered my mortgage and they said they would honor the payment plan and they are not. I want to complain ABOUT THIS COMPANY. I just want to keep my home and make my payments again.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit repor
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Product: Credit reporting or other personal consumer reports

I have a few addresses and names on my report that arent mine and its affecting my score Ive spoken with XXXX XXXX a few times to have this removed but there still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.
Product: Credit reporting or other personal consumer reports

This account was paid as agreed ; I was never late. XXXX is showing me late for the month of XX/XX/year> I demand this to be corrected.
Product: Credit reporting or other personal consumer reports

Theses are the unidentified inquires that where found on my account. 

EXPERIAN 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
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed which is XXXXXXXX XXXX. It's my right as a consumer to receive a credit report that is always 100 accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Product: Money transfer, virtual currency, or money service

I never received a few refunds for al fund placed in incorrect account & payments sent to me werent sent.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts and inquiries that need to be removed from my credit profile. I am human there is no XXXX party involved. I have reported to XXXX and XXXX XXXX XXXX. I have attached documents provided.
Product: Debt collection

Comenity Bank called me 3 times in a row, after the first time I sent to voicemail because I was in work. I was only 3 days past due. This is the second time they have harassed me. I want the repeated phone calls to stop. I forgot about the amount due and they didnt waste time calling me more than 3 times in a row.
Product: Student loan

I am unable to access my account. In the past, every time I tried to log in, they would tell me my password was wrong. It was not wrong. So I would ask for a new password and that would get me logged for one time. Subsequent attempts to log in met with the same problem. Now, their site is freezing. Also, I have received no letters in the mail regarding my account. This is unacceptable. I need access to my account in order to budget for my payment and, more importantly, keep track of my payments and my remaining balance.
Product: Money transfer, virtual currency, or money service

I got a text from a number claiming it was Wells Fargo asking to verify a {$3400.00} transfer to a XXXX XXXX. I replied no. Then I got a call from a guy claiming he was from Wells Fargo and another fraud transaction was occurring. He transferred me to their " fraud Department. He claimed they got another transfer request for {$8200.00}. We talked for a bit and I never gave him any account info. At one point I asked for proof he worked for Wells Fargo, I asked if he could tell me my debit card number. He provided me with the first XXXX numbers. Soon after I began to feel suspicious because I could tell he was on a cell phone. But I wasn't sure if the breaking up was on my end. I never provided him with any personal info but I hung up and immediately called Wells Fargo fraud department. I kept asking for a fraud representative but it took awhile. During that time the fraudsters were able to complete a wire transfer for the {$8200.00} through XXXX. I told my rep that i didn't authorize it and didn't use XXXX ever or wire transfers. They took my info but have not heard back even though the recipient 's name and address and he used XXXX XXXX to complete the fraud. His name is XXXX XXXX and he lives in XXXX, Ga. I feel this is enough info to get my money back and prosecute. But nothing has been done. The money is out of my account. I even called XXXX XXXX to give them the information. But they just said thank you and had the info they needed from me. My understanding is there is a ton of fraud using XXXX. I need my money back.
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. 

Account Name : XXXX XXXXXXXX, Account Number # XXXX, Account Name : XXXX XXXX  Account Number # XXXX, Account Name : XXXX XXXX  Account Number # XXXX Has violated my rights. 

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

I paid this debt off XX/XX/XXXX and XXXX  reported to XXXX XX/XX/XXXX that there was still a balance. I recently submitted a dispute with XXXX that this collection has been paid in FULL! XXXX Certified to XXXX that there was still a balance. They lied and are currently hindering me from purchasing a house for my family!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX {$31.00} ; XXXX XXXX XXXX {$1500.00}.
Product: Credit reporting or other personal consumer reports

the company XXXX was involved in a data brach and my information was breached.
Product: Debt collection

On XX/XX/XXXX, we received a letter related to a notice of unpaid judgement with Account # XXXX. This was the first letter we have received, with little to no information about the reason for the debt. After multiple calls and emails with the debt collection agency, we found out this was related to a bad check written in XXXX, in the amount of {$14.00}. We were not aware there was insufficient funds in the account, and the first time we hear of this debt. We called the agency several times to negotiate paying for anything we owed regarding the principal, we offered to pay a settlement of {$200.00}, they wont respond to our calls or emails. We have escalated several times, and they do not return our calls. They are trying to collect over {$810.00} for a check in the amount of {$14.00}. We can not even get information related the first correspondence or the statute of limitations. They demand we provide them a SSN and other personal information to discuss the case with us. 


They also claim we sent them a money order for {$44.00}, which we do not recall ever sending.
Product: Credit reporting or other personal consumer reports

I had several loans with XXXX that all went to collections at once. In the span of less than 2 weeks, I paid off every single one about a year later. 1 was done on a particular date ( Loan ID XXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other XXXX were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). 
I have disputed this so many times with Experian ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact XXXX, they say that THEY confirm the balances are all paid. 
When I contact the collection agency they used, XXXX, they say they see my payments as all being made but that the report has to cone from XXXX to Experian to confirm it. And then Experian again still says it remains. 
This has now been paid off for nearly 3 years but still shows as me owning a balance while all the other accounts show as paid.
Product: Debt collection

You have 1 account in Collections Contact Information FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XX/XX/2016 - - XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX BANK # XXXX Account name : XXXX XXXX : # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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: Debt collection

I receive 2-6 calls daily. Often, they will call twice back to back from two different numbers. They have also called my husband without my permission and revealed to him that they were calling for me about a debt.
Product: Credit card

I paid off Best Buy Credit Card and was awaiting a refund of balance. 
This was in XXXX it is now XXXX, and have n't received refund but I have had the run away and told I gotten the refunded when I called with my bank on a recorded line stating they put it in the wrong account and it was not the account I stated. 
It 's now XXXX/XXXX/16 still no refunded, transfer to this dept. and hung up on another, promise to get this done in 10 days and still nothing. 
Best Buy/Citi-Group can never get me as a customer again because I know my bank account # and I repeated it several times only to get my refund sent to the wrong account and Best Buy customer service only tells me its was sent to you and closed it. Cause apparently I do n't know my " Bank Account ''!! Done!! Complaint filed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act FREEDOM MORTGAGE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING LATE ON CREDIT REPORT CONTACTED CREDITOR NO ACTION ON CONSUMER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2.IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH ACCOUNT WITHOUT MY WRITEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Debt collection

I am a victim of identity theft and data breach. I continue to receive a natural consequence of which to harass, oppress, and abuse me in connection to collection of a debt that has been paid and with others that have already been removed from my credit report by law as negative reports should drop of from an individuals report after seven years and no longer considered in the score calculation. 

The creditors has continue to take false representation or implication that the individual is an attorney and that he communication is from an attorney and has used false representation and deceptive ways to collect information regarding me. And in addition has used business, company and organization names of the debt collector 's businesses and companies by false representation and implication that the accounts have been turned over to innocent purchasers for value. 

The abusive creditor has also rejected usps certified mail that i have sent inquiring regarding getting my requested information on these improper dates that have been resolved and continues to call me nonstop in a extremely harassing and abusive way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to log in to myequifax.com since last year. It was locked without explanation. When I called the first time, they said it was a glitch in the system and should work within days. It never did. I called again this past week XX/XX/XXXX and was told the case will be escalated and was given the case number XXXX XXXX by XXXX. He told me all should be well by this Tuesday XX/XX/XXXX. I called today again and was told that they are still working on it, with no further information except that I would be emailed after they fix it. This has me so stressed out. How can this company be allowed our personal information and then be so incompetent?
Product: Credit reporting or other personal consumer reports

I am not liable for a debt with XXXX account # ****XXXXXXXX and do not have a contract with convergent. They did not provide me with the orginial contract that has my signature agreeing to pay them like I previously asked. 

Account : XXXX account # ***XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I previously contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application stating that I agree to pay XXXX bearing my signature and they have not been able to provide such proof to me. I have not agreed to pay this collection company. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

As a result of your conduct described above, you shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of XXXX  payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within XXXX days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the XXXX check to my mailing address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ).
Product: Credit reporting

I 've just reviewed my Credit History Report and have seen only 2- Late Payments, I ca n't seem to understand, how my Credit score can be this low, when all of my other Credit Bills and Payments are always on time, also, by the way the XXXX has to be a mistake they probably posted my payment late, the legitimate late payments have only been with XXXX back in XX/XX/XXXX-XX/XX/XXXX and that 's it, I know my scores last year was in the XXXX, how could they go down now?
Product: Credit reporting or other personal consumer reports

My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

They said that they was going to remove it from my credit report because the debt was paid for. My son had insurance of the time of the day of that appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account by mailing back the credit card cut in half along with a note to this effect and a payment for the last bill. The bank claims that they closed the account about two months later. Moreover, they applied an overdue charge to the account for a balance remaining of {$0.00}, and then applied additional monthly overdue charges for that late charge until the total reached {$180.00}. All overdue charges for an overdue charge on a paid off and closed account. They continue years later to report this " debt '' that I supposed owe them.