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

I have a loan with a company called XXXX  XXXX XXXX XXXX. In brief, my attorney negotiated an altered payment schedule due to my business closing during the pandemic. This agreement started in XX/XX/2022. Since this time, XXXX has continued to report incorrect information to the credit bureaus which is directly bringing my credit score down and keeping me from other crucial items needed. 

1. They reported that my account was charged off. It never was, this was never the case.

2. After I disputed this with the credit bureau, they did something even worse, they reported my account closed.

3. This has caused my credit score to drop XXXX points. 
4. My account is open, active and I am making the necessary payments on it. This company is being beyond irresponsible with my credit file, I believe their actions are illegal.

5. The credit bureaus do nothing to assist with this.
Product: Credit reporting or other personal consumer reports

There are a few addional inquiries that need to be removed from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please see attached identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 States I have the right to privacy. 15USC1681 section 604a section 2 also states that consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666b A creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.
Product: Debt or credit management

I MAILED A VALADATION LETTER TO THE COMPANY 'S ADDRESS ON CREDIT REPORT, INCORRECT COMPANY ADDRESS REPORTING. THE LETTER RETURNED BACK TO ME.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Monday XXXX XXXX XXXX I received a call from a process server ( XXXX ) telling me to call XXXX and that my case number is XXXX. I did call the number because they called my children which scared them. A woman named XXXX XXXX who claimed to be from XXXX XXXX XXXX firm stated that I am being sued for an outstanding debt from XXXX of {$8000.00} from HSBC Bank , card number XXXX. I told her I have no recollection of this debt and have never recieved any letter stating otherwise. XXXX then had me verify my name and social security number. XXXX also stated that if I do not handle this matter by Thursday XXXX XXXX XXXX then the law firm will file a lawsuit against me for breech of contract and fraud. XXXX of my children then XXXX the number and the results popped up as a scammer and suggested I fill a complaint with the FTC.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these filesXXXX 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 

If you 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 you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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: Credit reporting or other personal consumer reports

XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXX XXXX behalf.
Product: Mortgage

I have been trying to get my mortgage modified for over 8 years at this point. My Senators office fowarded my problem to CFPB and the servicer/investor replied and the case was closed. I am filing another compliant to dispute the response to the servicer/investor.
Product: Credit reporting or other personal consumer reports

to whom it may concern i got a bunch of hard inquries list dates and comapnies i never applied or gave anyone authorization to run my credit score i've tried to call these companies and get the run around. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX DOB : XX/XX/year> XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX RE XXXX Remove a collection : The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

Name : MIDLAND CRED Date created : XXXX XXXX Balance : {$240.00} Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnionXXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Product: Checking or savings account

On XX/XX/year> I declined overdraft protection on my account. The way to do that is on the app. Simple click of a button. According to the website and app... all transactions made will be declined if the funds are not available. That was perfect because I am in talks with a company. To my surprise I check my account and it is negative over {$300.00} ( multiple overdraft fees )! They allowed EVERYTHING to go through on the account after XX/XX/year>. I called customer service and she said that declining it on the app and website only apply to certain transactions and if you want all things declined you have to call in. I said where does it say that on the website or app. She said " they expect you to call ''!!! If a customer declined coverage... they are declining coverage!! And if you want them to call in ... .say that on the website and app. Very disappointing and deceptive!!
Product: Credit card

Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.
Product: Credit reporting or other personal consumer reports

The credit Bureaus claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. 
XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Account # XXXX Genesis Credit Management is in direct violation of 15 U.S. Code 1692e - False or misleading representations under the FDCPA and 15 U.S. Code 1692d - Harassment or abuse. 

I received a call on XX/XX/year> around XXXX from someone by the name of XXXX stating that she was following up on an account. She did not state that she was a debt collector, and I had no knowledge of what she was referring to so after that I ordered a full credit report. Genesis Credit management has not provided me with any documentation that I have an account with them nor provided ownership of the alleged account and that they have permission of the company who the account was originally with to collect the amount that they are trying to collect on. 

Furthermore, after checking XXXX XXXX XXXX  I did not see them licensed in Tennesse as a state to collect in and that is the state that I am residing in. 


NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHES UNDER THE FCRA. A list of tile sections of tile FCRA cross-referenced to the. U.S Code is at the end of this document. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : https : //www.consumerfinance.gov/compliance/circulars/circular-2022-05-debt-collection-and-consumer-reporting-practices-involving-invalid-nursing-home-debts/ Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).

Section Promptly modify or delete the information or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an problem with Equifax verifying the information they are reporting my credit report. I sent two letters on my XX/XX/2021 and XX/XX/2021 stating what information was reporting inaccurately and I wanted those items to be verified or deleted. After the first letter some account were deleted which are those crossed out. These other accounts remained on my credit report without any verification from Equifax. Even when those accounts were deleted from my credit report I never received any mail about what was deleted or remain. Being Equifax did not show any proof about these accounts that remain they should be deleted. Equifax has added another account to my credit report yesterday called XXXX XXXX XXXX starting this is an medical collection, I feel my HIPAA rights have been violated with this mark on my credit report.
Product: Debt collection

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B ( 15 U.S.C. Code Section 1681c-2 ), and 611 ( 15 U.S.C. 1681I ) of the FCRA : once identity theft has been alleged until further due diligence has been performed or a reasonable conclusion has been determined.
Product: Credit card

Our Citibank credit card was fraudulently used by a third party ( or parties ) who is ( are ) completely unknown to us. We reported this to Citibank when we noticed this two months ago. Since then we have received repeated requests for more information from Citibank. We have responded to each and every one and been assured that there is nothing further needed until they ask again for information. We have no information to give, have nothing to do with these charges and have been a loyal customer paying our bills monthly for years. We have XXXX credit and are tired of being harassed by the company to whom we pay a {$500.00} annual fee to have the card. The Citibank fraud department has continually sent us from one person to another with no resolution. While they have credited the amounts concerned, they have indicated that if they don't get to final resolution they can still invoice us for these charges. Luckily, my wife has the patience and time to respond to their repeated requests for the same information but imagine someone who didn't and the XXXX they would go through.
Product: Debt collection

On XXXX/XXXX/XXXX, I contacted the company after they had made repeated ( and frequent ) phone calls to my phone. I told them that I had been out of work for more than 2 years and that I had no money to pay. The person on the phone became abusive with me and I told them to stop calling. They continued to call that day. I made 1 more call to them and told them to remove my number. I assume that they did because I did not receive more calls until today. So far today ( as of XXXX PM CST, I have received 34 calls from them! 

This debt is due to me having to break a lease in XXXX 9 months after I had lost my last job. I broke the lease during the last month because I did not have rent money. The charge is now for the rent for the last month + an additional month 's rent for the reletting fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 an account without my written instructions
Product: Mortgage

In XXXX I got a letter from Caliber Home Loans ( my mortgage company ) stating that due to an escrow shortage, insurance and tax increases my mortgage payment was to go up by a little more than XXXX $ monthly. I made a payment in the amount of XXXX $ to cover the negative in order to keep my mortgage the same. This payment, instead of being applied to the escrow was applied to the principal balance and my mortgage the next month was still increased. 
When Calibers mistake was noticed I immediately started making calls and after weeks of back and forth the XXXX was finally applied where it was supposed to be. 
The next month I noticed that my auto pay did not come out of my bank account and when I called Caliber they said I was no longer eligible to be enrolled in auto pay but couldnt tell me why. They also said that I was not eligible to make online payments and that though nothing had changed with my mortgage they couldnt tell me why. 
After many calls and having to wait over an hour in some cases to talk to a representative I was finally told that my loan is in loss mitigation and with underwriting for an unknown reason. 
I was in a Covid forbearance and modification was completed in XX/XX/2021, but everything had been fine since and I havent missed a mortgage payment outside of the forbearance. 
I logged into my online account last week and saw a message that said my most recent payment was past due. I checked my bank account to make sure it was paid, and it was. I called Caliber to find out what was going on and they told me that they were able to see the payment was made 10 days prior and there are notes in the account about that payment but for some reason its not posted as being paid, but could not tell me why. 
Today I received a letter in the mail stating that the payment was past due and that a late fee would be assessed and a missed payment would be reported to the credit bureaus if the payment I already made wasnt paid. 
I keep getting the run around from Caliber and this needs to be corrected. Im not able to get results on my own and hope CFPB can assist in getting this resolved.
Product: Debt collection

I have been contacted repeatedly on the phone, several times a week for the last few months by Harris and Harris, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, to collect a {$75.00} medical bill dating back to XX/XX/XXXX. 

This was part of a medical claim that was involved in a personal injury lawsuit, that was settled and PAID by a lawsuit I won to XXXX  XXXX XXXX XXXX XXXX XXXX in approximately XX/XX/XXXX. For some odd reason, this one bill was accidentally left off the entire group of bills. I have cleared this with the hospital, and they have it on their records that it has been written off as part of that settlement. 

Harris and Harris refuses to contact them to verify this, telling me it is my responsibility to take care of this debt. I can't even get past the initial introductions, as they demand my full name, address, birth date, and contact info before they even start to talk to me about anything. I have been harassed several times a week not for months with these calls, and finally today I told them I will be suing them if they continue to call..and it is their problem to call and verify the fact that this is not a legitimate debt and never was they are trying to collect on. 

XXXX XXXX XXXX won't call, they claim the Harris and Harris has to check with them, so I am stuck in the middle ... can someone help please, before I have to get an attorney?
Product: Debt collection

Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed XXXX XXXX Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX
Product: Credit reporting or other personal consumer reports

XXXX / XXXX./ Equifax neglect to provide accurate reporting update my address and do not report a false address again. 

Equifax I have demanded to remove all extended fraud alerts yet Equifax refuses to do so. 

XXXX refuses to update status on all accounts and address is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. The