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

My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX XXXX, account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666
Product: Debt collection

We have a credit card account with Chase bank with account number ending in XXXX. We lost our income due to the Covid-19 lockdown in XXXX of XXXX and because of this started to have trouble making our credit card payments. Chase Bank allowed us to defer several payments but after their short deferral period ended, they expected full payment of principle plus interest each month even though our income still had not resumed. We attempted to settle our debt several times over the phone with Chase Bank but found that the bank representatives were unwilling to consider any option besides full payment of the debt plus interest. 

On XX/XX/XXXX, we sent a letter to XXXX XXXX XXXX, CEO of Consumer Banking, making a bonafide offer to settle our credit card debt. The letter was sent via USPS certified mail and was received by Chase Bank on XX/XX/XXXX according to USPS tracking. However, Chase Bank ignored our letter and instead of using the letter as a start to negotiating payment of the debt, Chase Bank instead chose to start harrassing us with many automated phone calls starting on XX/XX/XXXX all the way to the present day - making upwards of 10 calls per day from different telephone numbers ( I have retained a detailed call log to document all of the phone calls from Chase Bank with dates, times, and call durations ). The purpose of the calls was not to engage in a discussion but rather to harrass, threaten, and intimidate us into making monthly payments which we could not afford due to us losing our entire income.
Product: Debt collection

I sent payment in the amount of {$8000.00} to Adair Asset Management plus an additional {$970.00}. I have submitted payment in full for the tax certificates that were sold. The amount that the county is claiming due is well above what could possibly be justified. They have added an additional {$4100.00} to that amount and it has risen over {$1000.00} just in the last three months that can not be accounted for. They simply labeled it as other fees and charges Under normal circumstances one might think that the county could be counted on but this is not normal here. I have already been victimized in their Court once before and have continued to speak out about it. I am treated with animus on every occasion with any possible outside interaction that I have...
Product: Debt collection

Grant & Weber ( a collection agency ) is reporting on my XXXX, XXXX  and XXXX XXXX credit reports that I have a negative unpaid account charge in the amount of {$52.00} originating from the original creditor XXXX XXXX XXXX XXXX XXXX. However, I do not owe anything, as I already paid to the creditor XXXX XXXX XXXX XXXX XXXX the original amount owed -- {$50.00}. 
I have a copy of the check ( check # XXXX ) which I will upload here that was already paid to XXXX XXXX XXXX XXXX XXXX for account # XXXX. It shows clearly that {$50.00} was already paid for this account, leaving a XXXX balance owed.
Product: Credit reporting or other personal consumer reports

Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I was in the fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late in payment I have attached a copy of my report to this complaint on the following date - XX/XX/XXXX. 
Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

On XX/XX/year>, I made two separate payments of {$1000.00} each, totaling {$2100.00}. These payments were successfully processed by my bank. However, upon reviewing my account history, I discovered that only {$1900.00} of this amount was applied to my account balance, leaving a discrepancy of {$170.00}. Additionally, my account history shows multiple reversals and reapplications of payments that have not been adequately explained. 

Steps Taken to Resolve the Issue : Initial Contact : I reported the discrepancy to Edfinancial Services in early XX/XX/year> via email and provided details of the payments, including the amounts, dates, and confirmation from my bank. 
Follow-Up Communications : I exchanged several emails with Edfinancial representatives ( including XXXX, XXXX, and XXXX ) requesting a detailed breakdown of how my payments were applied and an explanation for the missing amount. 
Proof of Payment Submitted : Despite confirming the payments with my bank, I offered to provide documentation of the transactions, but no concrete resolution has been provided. 
Escalation Requests : I explicitly requested that the issue be escalated to management or the appropriate department. However, I continue to receive vague responses or instructions to wait for reviews that yield no progress. 
Lack of Resolution and Impact on Me : Despite repeated attempts to resolve this issue over the past three months, Edfinancial has failed to : Provide a clear explanation for the missing {$170.00}. 
Ensure that my payments have been applied correctly to my account. 
Guarantee that future payments will be processed accurately. 
This unresolved issue has caused significant frustration and distrust in Edfinancials ability to manage my account effectively. Additionally, I have withheld further payments until this matter is resolved, which could negatively impact my credit and loan standing if not addressed promptly.
Product: Credit card or prepaid card

I was part of the XXXX " XXXX to Barclays '' transition. I had an XXXX branded XXXX credit card for years with no problems. XXXX recently decided they would transition everyone over from a XXXX XXXX to a Barclays Mastercard. I never gave anyone express permission or signed anything permitting a Barclays account to be opened in my name. I tried to call Barclays to prevent the account from opening, but since I did not have an activated card yet there wasn't really a way to get a Barclays customer service representative. I recieved the XXXX Barclays Mastercard in the mail, and I thought if I activated it at least I could contact Barclays to close the account. In the past week I have attempted numerous times to reach a customer representative on the phone ( the only way I can cancel ) with no success. Wait times typically run over an hour before I disconnect. These are not isolated incidents. Numerous complaints on social media indicate wait times up to 4 hours before people give up. Barclays is making it impossible to close this account. I do not want to do business with them, and there apparently is no realistic way for me as a consumer to terminate this relationship.
Product: Credit card

XXXX separate charges of around $ XXXX were charged to my Chase XXXX XXXX card around XXXX EST from a foreign country with the description as XXXX XXXX , XXXX XXXX XXXX XXXX . I received an email from Chase 's Fraud Group and confirmed that the charges were not mine, and then called Chase 's Fraud group directly to make sure the card was cancelled. Chase was not able to tell me exactly how they got my CC # but I would like to learn as much as possible so I can change my behavior ( if it was my fault and prevent future thefts from happening ).
Product: Debt collection

This is a debt on a XXXX  XXXX account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. XXXX  XXXX has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again XXXX  XXXX has ceased to operate since XXXX and 14 years later these guys at Harris And Zide are looking for a payment on something the bank already wrote off at the time it cease to operate.
Product: Mortgage

NVR initially approved my loan and then spent 7 months lowering my credit score by making hard inquiries every month. They then told my builder they were denying me a loan due to a low score. During the process NVR continued to collect my information as if they were going to approve the loan but did everything to lower my credit score to charge me a higher interest rate. As a XXXX vet with a guaranteed loan I feel they did this on purpose to discriminate against me. I complained to them and the builder who owns the company. The builder told me they were going to cancel my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX Balance : {$23000.00}, XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I noticed inaccuracies regarding late payments reported on the following account : Account Name : XXXX XXXX ( 2014 XXXX XXXX ) Account Number : XXXX I would like to bring to your attention that I have always maintained timely payments on this account and have never been late. The accuracy of credit reporting is essential, and I request a thorough investigation into these discrepancies. 

I urge you to provide evidence to substantiate the lateness of these payments, such as account statements or communication from the creditor. If you are unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time. 

Please address this matter within the time frame required by law and inform me of the results of your investigation. I appreciate your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to the Experian online page for a temporary lift of my credit freeze. After filling out all requested information and hitting " submit '' get error messages saying Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

but there are no such fields on the form. Most of the telephone help numbers listed are automated systems that can't address the problem. One, XXXXExperian turns out to be a credit repir service that offers to sell a membership/
Product: Debt collection

I paid {$3600.00} on XX/XX/XXXXXXXX  via debit card with XXXX over the phone. I had been speaking with XXXX XXXX about making a full payment in this loan. They did not give me any confirmation number nor did they send an email confirming they had taken the payment. On XX/XX/XXXX, i received a debt due notice from Credit-Control LLC for the amount I had already paid. I am unable to reach them by phone, i sent 2 emails with proof of payment to XXXX. They placed a negative mark on my credit reports. I am disputing this negative mark now with XXXX.
Product: Checking or savings account

You recently closed a complaint on this matter. Here is the documentation that wells fargo left out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Venmo, XXXX those places have accounts in my name and nothing has been done about it my credit score has went down a whole bunch behind this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple different copies of my file. 

In each copy, my information were incorrect, multiple files and multiple SSN ( wrong ) being reported. 

I submitted request for them to fix and never got a response, inclding a request to freeze
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian reporting completely inaccurate information on a collection account. Out of nowhere a collection account showed up on my report on an account that was paid in full. All equipment was returned, and a XXXX  balance remained. Yet inexplicably the account showed up in collections and Experian has refused to rectify this ... even though I have shown them it is inaccurate. They also will not furnish me any proof or evidence that this account even exists.This information is costing me as far as my mortgage rate as well as my daughters student loan rates. It is doing substantial and puitive damges to me financially. The fact that they are allowed to get away with this behavior is abhorrent.
Product: Credit reporting or other personal consumer reports

Disputing late payment onVS card and numerous credit inquiries
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, my real estate professionals were contacted by XXXX XXXX of Fifth Third bank and advised that the investor, Freddie Mac, is unwilling to consider a short sale offer at fair market value for my property. The buyer 's offer is currently above the appraised value of $ XXXX, at $ XXXX. On XX/XX/XXXX, XXXX advised the minimum net proceeds the investor would accept to receive is $ XXXX and all she would need is a revised hud1 showing the proceeds would be coming to them. The buyer and my agents made multiple adjustments to meet the investors unreasonable sale expectations and submit a revised settlement statement back to XXXX XXXX with Fifth Third and Freddie Mac netting higher than the appraised value at a full $ XXXX net proceeds the same day, XX/XX/XXXX. We did not hear back from XXXX XXXX for several days, and then on XX/XX/XXXX she advised that she did in fact need more documents other than the revised hud1 she had asked for previously. All remaining documents were provided to XXXX XXXX via email on XX/XX/XXXX. Finally, 10 days after requesting incomplete documents, on XX/XX/XXXX, XXXX XXXX confirmed receipt of all documents again and advised she should have approval for us soon. 

When my real estate professional, XXXX XXXX, called into Fifth Third bank for an update on XX/XX/XXXX she spoke to XXXX, ID : XXXX. XXXX gave inaccurate information and advised that we still needed to send in the HUD1 with the minimum net proceeds to Fifth Third/Freddie Mac of $ XXXX, which was already provided and confirmed received by XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. 

My real estate team emailed XXXX XXXX to clear up the discrepancy on XX/XX/XXXX, but her email address of XXXX now returns undeliverable. 

My real estate professionals manager, XXXX XXXX, called in to discuss the discrepancies with Fifth Third and spoke to XXXX again. When XXXX was told that the reason for the call was to address the previous incorrect information she gave XXXX, XXXX became extremely defensive and combative. XXXX was rude and unprofessional. She repeatedly, even after being corrected and supposedly apologized, continued to condescendingly call XXXX by the wrong name ( referring to her as XXXX ). XXXX claimed there was no authorization on file for XXXX, but I have signed both XXXX XXXX 's authorization form and had the Fifth Third form notarized with her name on each. XXXX refused to allow my authorized real estate professionals to speak with a manager or anyone else who could address both her incorrect and misinformed account handling and extremely rude handling of my mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

XXXX - XXXX  XX/XX/2022 {$710.00} CAPITAL ONE XX/XX/2022 {$890.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an unidentified loan named XXXX that was opened XX/XX/23 under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaints. I request that all written confirmation regarding this CFPB complaint be sent to me via email ( XXXX ).