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

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : XXXX XXXXXXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) Bankruptcy : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( Chapter XXXX bankruptcy  )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but Equifax will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX/XXXX XXXX XXXX XXXX ( A previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX  ( Never had an account ) XXXX/XXXX ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance {$460.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXX ) XXXX Balance {$1600.00} ; Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Ive told them to stop calling me several times. I dont remember names and times. Today I got a call and the person hung up on me.
Product: Debt collection

Midland funding has tried to contact me numerous time after I told them to stop. I received a mail numerous times from them trying to settle a debt they claim I owe them. i have never signed any contract with them and if they indeed purchased a debt for pennies on a dollar, that's their problem. I specifically stated that if I owe them a debt to send the debt to the courts. I have not received anything from the courts, therefore ; I should not be receiving harassing and threatening phone calls. The representatives are rude and they speak with you any kind of way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian Numerous times to send me a signed copy of everything I XXXX XXXX XXXX say 's I purchased on the XXXX account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX and XXXX   have both deleted this account from my credit reports because they could not provide this information. Experian needs to provide me with this information or this account needs to be deleted from my credit report.
Product: Debt collection

My lease was up XX/XX/XXXX, paid rent & additional charges to include sewage, water & garbage. I was told that everything on the account was paid in full & no special instructions were given to move out. I was told to clean & leave the apartment as it given to me. I was charged for a tv XXXX satellite not being removed, which was not explained to me as a requirement to do before I moved. Also, the blinds I was charged for were chipped when I moved into the apartment 4 years ago. The damages that were stated are normal wear & tear and also petty complaints. XX/XX/XXXX I receive a collection notice from national credit systems that XXXX XXXX XXXX XXXX XXXXXXXX XXXX states I owe a bill. My security deposit was already taken due to the complex stating somethings were damaged & not clean ( after I moved to another state ) No one did a walk thru with me to notate things proposed issues. After taking the security deposit now I have a bill from a credit agency saying I still owe for outstanding balance on my account, which is not true. Also there was no notification of debt to the forwarding address, which is out of state.
Product: Checking or savings account

I am requesting a refund for the overdraft fees charged to my account due to recent financial difficulties that resulted in low account funds. These charges have further strained my ability to manage essential expenses, and I would greatly appreciate your understanding and support in reversing the fees as I work to stabilize my financial situation. Thank you.
Product: Mortgage

On XXXX I purchased a house for {$250000.00}, i put around {$12000.00} down. Unknown to me, the same date, I also signed a second loan called " Home Equity Credit Line '' for {$50000.00}. I was unaware of how this loan worked as I did not have 'equity ' on the house upon signing the loan documents. I received checks and a credit card from the lender XXXX XXXX and I was told i could use it to buy anything i wanted and that it had a limit of $ XXXX on it. When i tried to use it, i was told that i was maxed out! I tried talking to a XXXXXXXX XXXX Supervisor and was told that someone was going to call me. They never did, so i figured it was a mistake on their part and just forgot about this issue, and continued to pay my mortgage on time. In XX/XX/2019, i was interested in pulling some equity to fix my house. A broker working with us found a second mortgage that had not been paid on. This is when we found out about this equity line of credit. I had not received any statements or phone calls from the bank about this. Now they are saying i have to pay {$50000.00} plus {$50000.00} in interest over the last 12 years.
Product: Debt collection

I obtained veterinary services from XXXX on XX/XX/XXXX at time of service I gave my credit card as payment. Was given a receipt showing the bill paid. I received a notice from XXXX stating that I owed them money for services received that day. 
I figured it was a mistake and ignored notice. I then received notice from a debt collection agency called American Credit for XXXX threading to put negative information on my credit report. I called XXXX  and they do not know why the payment was not processed, but according to them it was not ever processed. I looked through my records but did not see payment going through but have since changed banks and do not know if it was processed. I offered to make payment as I do not want my credit ruined. XXXX would not accept my payment as they stated it had gone to collections on XX/XX/XXXX and I could only make payment to American Credit at XXXX what added a fee to the bill. At this point I am not sure what to do and I feel like I am being scammed. How can a company give you a receipt at time of payment and then say Oh sorry did not process it correctly and you owe us the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The closed account " XXXX XXXX XXXX '' Account number XXXXXXXX XXXXXXXX is being reported as a closed mortgage account with the status " Foreclosure process started. '' THIS WAS NOT A MORTGAGE ACCOUNT. THERE WAS NO FORECLOSURE. It stems from a debt I owed to the US government due to being overpaid for a period of time ( unbeknownst to me until I got a debt collection letter ).
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 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, have 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 an 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 or other personal consumer reports

XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ), on XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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
Product: Credit card

Bank of America denied a fraudulent charge on my credit card for {$3500.00}. The purchase was made with an online vendor I have never used before in my XXXX  years as a Bank of America customer, in an amount of money grossly outside of my usual travel budget, for services that I clearly did not utilize - based on documents submitted to BofA by the vendor themselves. This was an obvious case of fraud based on the fact the purchases used a clearly suspicious email address that has no association with me, and the room which was purchased through this vendor was used by someone of a different name. Further, Bank of America initially gave me a refund in the amount of the fraudulent charge and sent me a new credit card to replace the compromised account, making me think the issue was resolved. Bank of America never informed me via phone or other means that the investigation was ongoing or that I should submit further evidence to corroborate the fraud. I did not know that my claim was denied until the {$3500.00} was re-charged to my account over a month later on XX/XX/year>. I had to speak with three different service representatives before I could get the fraud claim re-opened, and I still await resolution of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

The home was in the mothers name who purchased the home for her daughter. The daughter has lived there 20 plus years. Her father passed away first and then her mother passed away. The home was willed to the daughter ; however, the daughter went into a XXXX. Long story short she has recovered and regained employment and is well able to afford the mortgage. The loan is in the mothers name only and for almost a year the daughter tried to get them to acknowledge her and deal with her in regards to the mortgage. She finally got help through a non-profit and was in the middle of assuming the loan. We began the process on XXXX XXXX, they asked for credit authorization on XXXX XXXX, which was uploaded through XXXX on XXXX XXXX. It went back under active review on XXXX XXXX and today, XXXX XXXX the file is still under review ; however, they proceeded to foreclosing on the home today.
Product: Mortgage

I recently changed insurance companies for my home insurance. I have a mortgage and escrow through US Bank. I received a letter stating that I no longer have home insurance and they are going to force place it. There was never a gap, I have had home insurance the entire time but I switched companies.
Product: Credit reporting or other personal consumer reports

Someone has taken my identity and I guess you would call it fraud XXXX, {$1400.00}, by consumer XXXX associated XXXX XXXX XXXX another one on XXXX XXXX {$2600.00} by XXXX XXXX & XXXX XXXX XXXX XXXX XXXX by XXXX, XXXX, XXXX with XXXX XXXX XXXX XXXX {$770.00} on XX/XX/23 and I was incarcerated from XXXX came home XXXX and I never heard of these companies and I wanted to get this straightened out because the only reason how I found out about it because I almost got scammed by a loan company claiming to be this loan agency but when they ask me to go get a gift card I called the real loan company and they told me it was fraud
Product: Mortgage

We had a bankruptcy that did not involve our mortgage, yet our mortgage company incorrectly reported to the 3 credit bureaus that our mortgage was discharged. Our mortgage continues to be current for months now after the bankruptcy. This error makes it nearly impossible to repair our credit as it is the only payment history we have now that we are starting over. If this error were to be correctly reported, it would show several years of mortgage payment history with no late payments. We have made more than 36 calls and sent numerous emails over a 3 month period and can not get past the supervisor of what we hope is the right department. They keep saying they will call back and I keep requesting an email conversation because I can not have my cell phone at work to receive their calls. We were promised some type of status report at least 3 times and have heard nothing. We provided numerous documents that should make this error very obvious. I had to forward an email from their own attorney 3 different times, in which their attorney said there was nothing they could do, it was up to the company to correct the error. The error seems to stem from the company not receiving what is called a " reaffirmation ''. Although I am still not sure what this is, apparently it is something that was supposed to be submitted to our mortgage company by our bankruptcy attorney. Apparently, reaffirmations are required in some states and not others. Our bankruptcy occurred in Oregon where not only are they not required, but by all reports the bankruptcy courts won't even accept them. Our mortgage company is based on the East coast and their attorney is in California, where reaffirmations are required. We have tried repeatedly to explain that not only is there no reaffirmation, but even in states that DO issue them, our bankruptcy has already been completed and once that happens one can not be issued. It is extremely frustrating that the mortgage company has tons of notes containing all of the above information yet we can't get past customer service - who has to read through all of them during each phone call, then call for a supervisor if one is available and if not, they type them a message. If they log into our online account in their own system it shows our current payment status and it certainly shows the latest statement requiring a payment on a supposedly closed account from a bankruptcy that did not involve them.
Product: Debt collection

Hello, I would like to issue a complaint regarding a claim from the agency , Road Runner Collection Services. XX/XX/XXXX, I purchased a vehicle, and when my credit check was ran XXXX outstanding balance from XXXX XXXX showed up. Nothing else was on the radar. Then in XX/XX/XXXX, I downloaded an app from XXXX XXXX, when I did this, I was notified that I had XXXX lines of credit that were past due. XXXX of those lines of credit were linked to Road Runner Collection Services. When the claim was brought to my attention I contacted Road Runner Collection Services regarding the debt they believed I owed. They insisted that they were collecting on a supposed five year old debt for XXXX XXXX XXXX. During our conversation the collection agency insisted they had given me a 30 day notice, which they had not. Following our conversation I received a letter in the mail ( on XX/XX/XXXX ) that offered a very rough outline for the debt they believe I owed. The statement history outlined a large interest sum of {$1500.00} for a {$2600.00} debt. The debt was outlined in XXXX amounts with the interest added to the end. However, NO timeline was included ; the " creditor '' history did not state when they had begun collecting interest, or when they had assumed the debt from XXXX. When I talked to the collection agency, they said that the large interest sum was a result of a 10 % interest rate, but no timeline was provided to prove how long they had been collecting interest. When I asked about payment plans, the person I talked to insisted that I could not make payments. She also said I had to pay the debt immediately, " borrow money from a bank, friend, or family member. '' Then she saw that I had a credit card, and began to demand that I, " just give them the credit card '' for them to charge. I tried to discuss other payment options to reduce interest, and was told that if I paid for the debt " in full '' as a lump sum, they would remove the debt from my credit score. They also said that if I paid for the debt ( without interest ) by charging it to a credit card, they would accept that, but the debt would remain listed on my credit score. When I asked for a copy of validation, regarding my debt with XXXX, I was sent a copy of XXXX transactions that state a remaining balance. However, upon receiving the collection claim, I reached out to XXXX to investigate the validity of the claims. I was provided with a thorough account for the services I received in XX/XX/XXXX-XX/XX/XXXX. According to records, regarding my payment transaction history with XXXX, my charge history states a balance of {$0.00} for my procedures. After being informed that I had paid for my services in full, records do indicated that XXXX did in fact overlook some financial fees. However, since these fees had been overlooked for an extended period of time, they resolved to absolve the fees. To this day, records show that I do not have an outstanding balance with them, and when I spoke to them they stated that records show no attempts for collections made on behalf of XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

First contacted about a loan that I did NOT apply for in XXXX of XXXX. 
Contacted them and notified them that This was not me, Nor was any of the information correct. They are to stop all application processes with my name on it effective Immediately without first Contacting me to for identity verification.

I have also notified them by phone.

And of course they cant do anything because the information I gave them does not match what they have on file. They were notified and told that was the point. 
Once again, same company tried to process another application in XXXX of XXXX, they were once again notified. Obviously they did nothing on there end. 
And AGAIN, they tried to process the same application on XX/XX/XXXX.
Product: Vehicle loan or lease

Purchased sailing vessel and obtained loan XX/XX/XXXX. 
Loan satisfied XX/XX/XXXX and received documentation of the same from lender, USBANK. 

XX/XX/XXXX phonecall to bank and told title would be mailed within a few days Called twice more within subsequent 4-6 weeks and told title still in process. 
Called XX/XX/XXXX and told title was indeed mailed to my correct home address on XX/XX/XXXX, I did not receive it. It was mailed 1st class USPS. No tracking. 

US Bank still trying to find title, but suspect it is lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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 furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.