23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. Kohl's/Capital One agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting a balance due on XXXX account as {$390.00}. The account has been settled and has been PAID OUT. This was reported on XX/XX/2021. The account balance should be reported as XXXX.
Product: Mortgage

I got a VA home loan in XX/XX/year>. Shortly thereafter I suffered a loss of income ( self employed ) do to Covid. I reached out my mortgage lender United Wholesale Mortgage and they told me about a Covid program that I qualified for and that I could forego up to one year of payments and then at the end of that period they could just attach the missing payments to the back of the loan and I could resume my original payment. At first i only opted to do it for 6 months, thinking that business would pick up. At the end of the 6 months I contacted them and extended for another 6 months and confirmed that they would just add the payments to the end of my loan. 
When my extension was about to end I called them to start making payments again and they told me that the option that I took to add my payments to the end of the loan was not available to me. They didn't give me a reason, the only thing that they told me was the only options I had were a loan modification or foreclosure. I applied for a loan modification in hopes of saving my home, only to get denied. The reason for denial is " insufficient income ''. I was at a loss because by the definition of '' loan modification '' your loan can be modified to make your mortgage payments affordable based on you new income amount. I sent them a letter and told them if the reduce my interest from XXXX to 2 % and extend my 30 year mortgage to 40 years-it would lower my monthly payment and because of the 40 year loan they would be getting more in interest. That didn't work either! 
Where I stand now is they want me to pay {$59000.00} in one lump sum or be foreclosed on. 
I need your assistance in keeping my home.
Product: Credit reporting or other personal consumer reports

the amount owed on this XXXX XXXX XXXXXXXX account label as late payments account XXXX XXXXXXXX According to The FCRA is a federal law that gives the consumer The right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time the balance the credit limit the pass due please have this removed because all three bureaus is very inaccuracies
Product: Debt collection

I have contacted Experian several times via phone, online and via first class mailings on many occasions in regards to 2 accounts that i have never did any business with and did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively.I am trying to refinance something on my credit report, and it makes it difficult when they're checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over. The company needs to either need to send proof of validation or it needs to be removed.These account does not belong to me.The following accounts that are reporting are : XXXX XXXX XXXX with a balance of XXXX and XXXX XXXX XXXX with a balance of XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to the " CFPB '' attention about serious concerns regarding practices that appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report provided by " TRANSUNION '', I have identified several instances where inaccurate information is being reported. These inaccuracies have directly impacted my creditworthiness and financial standing, thus potentially violating the FCRA which requires consumer reporting agencies to maintain accurate and up-to-date information. Furthermore, I have " NOT '' received communications from " TRANSUNION '' bureau that appears to be in violation of the FDCPA, which regulates the behavior of debt collectors. The tone and content of these communications do not adhere to the standards set forth in the FDCPA, and I am deeply concerned about the potential harm and stress they have caused. I am requesting the CFPB to take immediate action to rectify these issues and ensure compliance with both the FCRA and the FDCPA. I expect a prompt response from " XXXX '' detailing the steps that taken to address these violations and prevent similar occurrences in the future. I am also requesting " TRANSUNION '' to provide a written response within 15 days of the date of this complaint.
Product: Debt or credit management

I was with them back in XXXX  or so for at least 2 almost 3 years, but credit wasn't getting any better actually people from the past were beginning to resurface after going away, I was paying them for absolutely nothing
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refinanced XXXX  mortgage loan, closing date : XX/XX/2020. XXXX XXXX rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid XXXX in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. XXXX reports " late mortgage '' payments for XXXX and XXXX on my credit report through XXXX and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you
Product: Checking or savings account

I had an bank account with Suntrust bank for over 20 yrs. i went to use my debit card and it was declined i called bank to find out they closed my account and i would be receiving a letter in the mail. I had over 12k in my bank at the time of closure.After receiving the letter it stated i would receive my funds with in 30 days of the letter sent. Total fraud ...
Product: Mortgage

On XX/XX/2017 commerce bank sent me a letter stating that they had projected my escrow a account incorrectly my taxes and insurance went up XXXX  dollars each they dropped the ball and didn't adjust the difference in my payment to escrow also I paid in XXXX and they disbursed XXXX which leaves XXXX they said they're was only XXXX left which is incorrect then I've had them for several years and never a problem with escrow now they said I am XXXX short on my escrow and I either need to pay the amount in 30 days or pay and extra XXXX dollars a month on my mortgage which Is ridiculous my wife is XXXX I work full time but we are on a tight budget I can not afford this big of a change in payment
Product: Debt collection

A prepaid car rental reservation totalling XXXX  euros was made on XX/XX/XXXX via the Merchant 's website, XXXX. After the rental period, which was from XX/XX/XXXX -XX/XX/XXXX, a refund of XXXX euros was due as the total rental charges were only XXXX euros. At the time of the vehicle 's return, rental agents informed me that they were unauthorized to issue the refund being that it was a prepaid rental, therefore, a dispute/investigation was launched via XXXX XXXX ( the method of prepayment ) to obtain said refund. After four ( 4 ) disputes, XXXX XXXX  resolved the issue in my favor, as the Merchant purposely submitted erroneous invoices for the aforementioned disputes and was unable to substantiate its claims. Instead of issuing the refund of XXXX euros, the Merchant referred the matter to their internal collections department for non-payment and have engaged in a harassing dunning campaign for non-payment of a fictitious " debt '' by sending collections letters dated XX/XX/XXXX and XX/XX/XXXX The Merchant has been contacted on numerous occasions via email and telephone and has engaged in ghosting and does not respond to email or telephone inquiries. On XX/XX/XXXX, case # XXXX was opened up by the Merchant to internally investigate the matter, however the Merchant has failed to provide any outcome or resolution to said case and has failed to respond to numerous follow-up email inquiries. The most recent contact with the Merchant was via telephone ( XXXX ) XXXX onXX/XX/XXXX at XXXX in response to their latest collections letter dated XX/XX/XXXX.  After six ( 6 ) minutes with representative " XXXX '' during which the entire situation was explained, the representative put the call on hold and then hung up on the call. Three ( 3 ) callback attempts were made to reach the representative again. The expectation is that the Merchant immediately cease and desist this fraudulent dunning campaign. Failure to cease and desist will result in further legal action being taken against the Company ( XXXX XXXX XXXX ) and/or its representatives. On XX/XX/XXXX, the Merchant informed me that the falsified " debt '' had been removed from the account and that the account balance was XXXX and reinstated rental priviledges, however, the Merchant had already contacted third party collection agency, Vengroff Williams ( www.vwinc.com ) to pursue collection activities. Merchant stated they informed Vengroff Williams that the " debt '' was invalid and cleared, but has not provided documentation supporting this claim.

This complaint has also been filed with the Federal Trade Commission on XX/XX/XXXX, Case XXXX / XXXX XXXX XXXX / XXXX  Internal Investigation Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with XXXX and transunion in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting transunion and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor transunion. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean a consumer report Or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX  XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under 50 USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 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.

Also the credit bureaus took more than 30 days to complete my investigation
Product: Debt collection

Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$740.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute sent to both collections companies came back verified but the information does not match And one of the 3 isn't even reporting the account this account is not matching on all 3 reporting agencies Transunion is reporting this account XXXX as open XXXX is reporting account XXXX collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not swayed that Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit card

I 've mailed a certified letter to Kay Jewelers dated XXXX XXXX, 2016 and XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account number XXXX. Kay Jewelers has FAILED to reply in a timely manner to my initial letter dated XXXX XXXX, 2016 and has also FAILED to furnish to the credit bureaus a " notice of dispute '' on my account within 30 days. Kay Jewelers has not only VIOLATED FEDERAL LAW, but has also FAILED to provide me with a copy of any viable evidence, bearing my signature for this account. Kay Jewelers is liable for willful non-compliance, as per FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to validate fraudulent information, Experian continues to furnish and share inaccurate information to my consumer report without my consent, causing me irritable harm, and financial hardship. Experian continues to add information to my report without proper prior notice nor my authorization or consent. My credit score is being ruined due to these illegal practices to defame my character with these alleged accounts that has not been properly validated pursuant FCRA. Experian continues to furnish private information onto my consumer report without my consent and against my will! Alleged account- XXXX XXXX  has been settled since XXXX with settlement paperwork to validate, how is Experian reporting activity in 2021?? XXXX  XXXX Ive filed FTC complaint showing that my identity was stolen and used, creditor has also failed to validate the debt outside of sending me a copy of an electronic contract with no signature or ID verification but somehow Experian validates the account! A copy of an electronic contract can not be deemed as validation proof anybody can fraudulently make documents. Original contract with my wet signature needs to be provided! Experian continues to house unauthorized private child support information on my consumer report, I have never received prior notice to alleged debt before its being updated and furnished on my report. against The account had been closed a year prior! Experian continues to dishonor the laws, rules, and regulations in place for accurate reporting to keep faith on the banking system. Ive asked for full disclosure of the verification process including documents used to verify as such Is my legal right and have been denied. Experian continues to try to deter me from seeking remedy by sending me ID verification when Ive sent in multiple verification.There is a conspiracy against me and the people. Experian is not honorable enough to be in charge of such a huge responsibility! Delete all accounts that can not be validated! Remove all accounts that have reporting inaccuracies! Delete all inquiries that are not attached to a open account,
Product: Debt collection

XXXX and XXXX has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to Bank of America for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.
Product: Debt collection

I C Systems added the same fraudulent debt to my credit file twice on behalf of ATT in the amount of {$5700.00}. This debt was found fraudulent and removed approximately 1-2 months ago and they have added it again. There was no information ever sent to me about this debt nor did I give them or ATT permission to open an account in my name. I will attach my police report below stating that all my identification was stolen. They also did notify me that they would be adding this collection back to my report nor did I receive any information from them showing me any evidence proving I signed for this account.
Product: Student loan

I have asked for my promissory multiple times and received them after I paid off my loans. Once I started to review them, they incorrectly have been charging me on one of my loans regarding principle balance. I have confirmed with the University and the gave me check numbers to help dispute this with Navient this loan. I have called their customer service department several times only to be told they cant help me since that is what they show for on their records. They finally offered several calls to transfer me to their fraud department. I have been transferred over twice only to be on hold/ no one ever picks up or have been told that they are currently closed and I must call back tomorrow. They have reported incorrectly to my credit report along with receiving overpayments since 2007. Navient is making this impossible to recover cost from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of 15 U.S. Code ss.1681 ( a ) ( 4 ) - Consumer 's right to privacy. Notice that in certainty, I, the affiant, am a consumer and have the right to privacy under section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without obtaining my written consent or any valid legal authority, XXXX XXXX has breached my right to privacy. 


account was last reported on XX/XX/2021 with a balance amount of {$3400.00}