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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXN XX/XX/XXXX
Product: Mortgage

I'm paid up through XXXX of 2024 and have never been late on payments they blame there billing depth. And report me to the credit agencies as always being late which is false and they've hurt my credit report! They charge fees that are not in the contract they haven't paid my taxes and insurance through my escrow account and have caused my home owners insurance to be dropped and sent to collections!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXX XXXX {$12000.00}
Product: Credit reporting or other personal consumer reports

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDITCROSSROADS XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA CAPITAL XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVICE EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX CRE GROW FINANCIAL FCU KIAMOTORS HENDRICK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB WFDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I use to have a medical bill, from XXXX XXXX Hospital XXXX XXXX California. Although my insurance paid part of the bills and I was a student at that time. I filed for some bill assistance program with the hospital and my bill was overlooked and forgiven. 
CMRE Financial services located at XXXX XXXX XXXX  XXXX  # XXXX, XXXX, CA XXXX. Contacted me in regards to this bill and I was confused, I taught the hospital was messing or joking with me. In XX/XX/XXXX I went to basic training dont have access to my phone. When I got out of basic training I saw 3 collections on my credit report from CMRE. 
I contacted the hospital and I was told my I dont have any pending or outstanding bill that my bill was forgiven last year XXXX. I spoke with several billing officials of the hospital and was told they never send my information to any collection. I was even told CMRE isnt the collection agency the hospital use for collection, and high means XXXX XXXX Hospital XXXX XXXX dont have any affiliation with CMRE financial services. 
I called CMRE and explain that to them, then asked them how they got my information since XXXX XXXX Hospital denied releasing my information to them. They have classified information of me, they have my phone number social security number and my home address. 
CMRE hanged the phone on me, and their collection still appear on my credit report till date, my credit report went down by 70points because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX  CFPB : J  XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) y ears.   XXXX    claims that I owe it over {$140.00} on my   XXXX    Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance  on my   XXXX   XXXX       XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.   XXXX    thr eatened to take away my    XXXX   XXXX   and t he personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that  XXXX  remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX   Vis  a Platinum Credit  Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX   to accept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Product: Mortgage

We closed in XX/XX/2022 and since then it's been one thing or another with the title. And now it is still not retired as indicated at closing by Homebridge our lender at the time of closing. It closed and funded. The loan was bought by XXXX XXXX and the title is still under Homebridge as well. And they won't change that either. It became an issue when we tried to refinance and the title was not retired as was indicated by Homebridge to the title company. It's been an ongoing struggle with all companies. And neither have come up with a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  account # XXXX was disputed and challenged in XXXX of 2019. On my Experian credit report.. 
As of to XX/XX/XXXX this account still remains on my credit report as updated and verified. This is inaccurately reporting. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX  is currently reporting monthly charge off history after Account was closed & charged off. A violation of FCRA. 

XXXX XXXX XXXX XXXX  currently reports Unverifiable account balance. 

Even after sending a certified validation letter to XXXX XXXX XXXX XXXX to provide me with copies of documents with the signature pages of the consumer contract the company says I've signed. The company has failed to respond. If the company has not responded to my validation letter. How can Experian validate this account as accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a request for verification of bankruptcy regarding bankruptcy that is on my credit report. The request for verification was sent via certified mail with a delivery receipt and was received on XX/XX/2019, as can be seen in the attached scan. I waited the 15-days for a response, as stated in the FCRA, with no response from the credit bureau being provided. On XX/XX/2019, I sent another certified letter with a delivery receipt, explaining that I have not received communication back regarding my request for verification of the bankruptcy that is on my account and expressed the need to have the bankruptcy deleted as it is negatively impacting my financial status. The most recent letter was received on XX/XX/2019. As of today, I have not heard anything back specifically addressing the verification of the bankruptcy that is on my account. Today is XX/XX/2019, and it has been over 30-days since the initial letter was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates, LLC keeps reporting a debt I never had with them and I received a letter stating that the debt is too old to collect on but they keep reporting this debt on my XXXX and XXXX XXXX reports which are giving me a low credit score and I am unable to obtain credit. They are reporting 2 credit card debts that I never had and the debts are old. They keep calling and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, XXXX XXXX had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by XXXX XXXX on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to XXXX XXXX on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by XXXX XXXX on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by XXXX XXXX. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.
Product: Credit card or prepaid card

I am writing to provide additional information and clarify the circumstances surrounding the credit card dispute related to the XXXX XXXX purchase. I recently received a receipt from your bank stating that it serves as proof of delivery for an order made at XXXX XXXX. However, I would like to bring to your attention the inconsistencies and inaccuracies in this receipt, which cast doubt on its validity. 

Firstly, I want to emphasize that I did not place an online order with XXXX XXXX. The receipt provided by your bank indicates that the order was delivered to my address, which is incorrect. This order was, in fact, an in-store pick-up at an XXXX XXXX located in XXXX , Florida. The receipt should reflect this information accurately in order to prevent any further confusion. 

Upon contacting XXXX XXXX directly, I was informed that the order in question was indeed an in-store pick-up, as I had previously stated. The pick-up person was required to present their driver 's license, and the order was under the name of " XXXX. '' It is essential to note that I am not associated with this name or any online XXXX XXXX account. Therefore, the receipt provided by your bank, indicating my personal information and an incorrect telephone number, is misleading and erroneous. 

In addition, the receipt contains conflicting sections. While one part claims to be a proof of delivery, another section states that the number of delivery packages is zero, and the date of delivery is not available. This inconsistency further highlights the unreliability of the receipt as proof of delivery. 

Considering the above discrepancies, I kindly request that you reevaluate the information provided and reconsider the validity of the receipt as proof of delivery. I would appreciate your assistance in resolving this matter promptly and ensuring that my credit card dispute is resolved fairly and accurately. 

Enclosed with this letter are copies of the receipt in question, as well as any other relevant documents or evidence supporting my claim. I trust that these materials will aid in clarifying the situation and support my position regarding the inaccuracies in the receipt. 

I am XXXX XXXX years old and do not shop at XXXX XXXX as I have no need for anything in that store. 

Thank you for your attention to this matter. I look forward to a swift resolution and a favorable outcome. Please do not hesitate to contact me via email if you require any further information or if there are any additional documents that I can provide to assist in the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled out XXXX XXXX form for mortgage referrals. Received dozens of calls and emails but narrowed it down to 2 cos and placed an opt out with XXXX XXXX on the XXXX to stop the flood of calls. The calls, texts and emails kept coming on the XXXX. One company that was very aggressive was Top Flite and this was not a company I had narrowed my selection too. I decided to speak to XXXX XXXX from XXXX ga from that company later that day to tell him to stop calling, texting and emailing me. I had not shared my social ssn or agreed for a credit pull from anyone, but my XXXX credit monitoring notified me that mortgage company had pulled my credit!!. I tracked it back to XXXX XXXX Top Flite, called him and told him I did not give him acknowledgement to pull credit!. He said he had spoken with his underwriter XXXX XXXX and told him the credit should not have been pulled because They did not have direct acknowledgement from me and that he was sorry.He then sent me the below text : Thanks for speaking with me XXXX. I contacted our credit agent and they will accept a letter from us on our letterhead with your info and how your credit was pulled without your authorization. His number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair repair reporting act bankruptcy XXXX Has violated my rights 15U.S.C 1681 SECTION 602A STATES I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 States It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies I have identified in my credit reports from Experian, XXXX, and XXXX. As per the Fair Credit Reporting Act ( FCRA ), it is required that the information contained in credit reports is accurate and up-to-date. However, upon reviewing my credit reports, I have discovered several errors that require immediate correction. 

Below, I have outlined the discrepancies found on my credit reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 Upon review, it is evident that there are inconsistencies regarding the high credit amount and the credit limit reported by XXXX. Additionally, the last reported date differs between XXXX and Experian. These discrepancies are causing confusion and may negatively impact my creditworthiness. 

I kindly request that you investigate these discrepancies and take the necessary actions to correct my credit reports accordingly. Please update the information accurately and ensure that it is consistent across all three credit bureaus. 

Furthermore, I would appreciate receiving written confirmation of the corrections made to my credit reports once the investigation is complete. This will enable me to verify that the necessary changes have been implemented. 

I have enclosed copies of my credit reports highlighting the discrepancies for your reference. If any additional information or documentation is required from my end to facilitate the investigation process, please do not hesitate to contact me at the address provided above or via email at XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and resolve the discrepancies in a timely manner. I look forward to receiving the updated credit reports reflecting the accurate information. 

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

I recently submitted a complaint about my 7 late payments from XXXX XXXX. They took off 4 of my 7 late payments, not all 7 because they said that the time I reached out was not in Credit acceptances timely manner, even tho when I did reach out they assured me that they would report NO late payments but still reported 7. I now still have these 3 lates that is still hurting my XXXX XXXX and completely stopping me from obtaining a mortgage loan. Section 4021 of the CARES Act, Credit Protections During COVID-19, temporarily amends Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). Under this temporary amendment, an institution that makes an accommodation for one or more payments on a consumer credit obligation must report the obligation or account as current. This Act was signed in XXXX of 2020 and is effective u til the end of the Covid-19 pandemic. My remaining 3 late payments are from XXXX  2020-XXXX  2020 which meets the time frame criteria in the cares act. I am asking that credit acceptance please remove those lates as they are the only creditor reporting late payments on my credit profile, hurting any chance of my obtaining new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my Experian credit report. XXXX has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

Experian has deleted this item on XX/XX/XXXX report # XXXX, which they verified with XXXX XXXX that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

XXXX XXXX also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand XXXX XXXX to stop contacting me about account # XXXX and remove their negative reporting from my Experian credit report.
Product: Checking or savings account

Last summer ( XX/XX/2017 ) I reported my debit card lost or stolen and US Bank sent me another card. Then later we noticed that charges were on my account from XXXX XXXX - and when I called about them they were attached to the debit card I reported lost or stolen. It was never canceled - so they canceled that card and I disputed the charges. I received a statement in XX/XX/XXXX showing a XXXX balance. Then then next thing I know I started getting a call from a collection company saying I owed like {$140.00}. US Bank charged me back for half of the disputed charges because they said the claim was over 120 days old and they couldn't do anything about it. 
After fighting and talking to someone on the XXXX XXXX they told me to contact my local branch we I did - he had no luck and we are back to square one. I have been fighting this since XX/XX/XXXX. We posted on XXXX our issues US bank called and said they would look into it. Never heard back then my local branch manager called and said they put it back on him and he couldn't do anything. Basically sorry about your luck. In the meantime - my local brand manager said he would close our savings for me - ( I didn't ask him to ) and then charged me a {$38.00} forced closed fee. I have about {$200.00} worth of fees locally and still in collections and can not get an answer from anyone. If the debit card had been canceled/closed when I called none of this would be going on. Now its my credit on the line along with all of these fees.
Product: Mortgage

We were approved for a short sale with a closing date needed by XXXX/XXXX/15 by Bank of America. On XXXX/XXXX/15 our buyer had an extreme medical emergency, when we asked Bank of America to give us an extension on the approval ( approval letter advised extension were possible ) to allow our buyers emergency to subside they denied an extension stating that Bank of America was going to sell our loan so they could not extend the approval. Closing attorney office asked several times and Bank of America kept advising that because they were selling the loan they could not do anything to extend the approval. Now after a couple weeks and repeated inquiries it turns out Bank Of America DID NOT sell our loan. We have the same contract in place for the house sale and now they are advising because the approval expired we need to start all over and be reviewed all over again. ( Which takes months to complete ) We feel we were not fairly treated and that Bank of America should be able to reopen the approval they already gave. They refused to give an extension based on the fact that they said they were selling, but they did n't sell and the approval expired due to their false information.
Product: Credit reporting or other personal consumer reports

XXXX is not helping my credit score. Its taking it down telling me that I have a XXXX line credit. Charging me XXXX  XXXX and its causing me problems with the other credit people.
Product: Credit card or prepaid card

I have registered a complaint prior. I am going to every day until something resolves. This card is an obvious scam. It is easily verified online. My original complaint number is XXXX. Since filing a complaint my card has been turned off. It is tragic how people are being cheated by this company. From reading your site, it seems like it is your job to stop them. Look them up. The phone number is XXXX. 
They also have these phone numbers I found online : XXXX XXXX XXXX XXXX Here is the address they have listed : XXXX XXXX XXXX, XXXX, FL XXXX. 

They also have offices in Minnesota, XXXX, Florida, Michigan, and -- -heaven help us all -- -XXXX, DE the home of credit card scams. 

Can you please tell me to whom can I complain? I mean an official legislative body? As much as a sternly worded letter and 15 days for them to decide what to do might assuage my fears that this is money I will never see again, I am deeply concerned that this will not cause a change in their criminal practices. I am certain I am not the only one who has been stolen from by them. You just tell me who to register a criminal complaint with and I will do the work. Scamsters should not be allowed to cheat us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.