23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

First and foremost let me say i love capital one, everyone in my family is a capital one card holder, so this is more of a request for a correction to the reporting. Currently, theres a late payment showing for XX/XX/year>. I expressed to the represnetative that i experienced a hardship during the month of XXXX, and i asked for a goodwill removal of the late remark. The representative advised me that they were going to make the correction and to allow XXXX XXXXXXXX for the correction to reflect. As of now i havent seen a modification to my report. Once again im not complaining about the company i love and appreciate my capital one card. Im just asking for consideration and a removal of the late remark.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Account # XXXX. 
Refusal To Validate " Correctly '' My request is for the following : 1. The Last Date of activity is extending the Statute of Limitations.

This account has been charged off 10 times, which is a violation. The charge off dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. 
2. This account is also reported as written off, charged off and never late.

Charge offs should be according to 15 USC 1635, 15 USC 1692g, and 15 USC 1601, Congressional Findings & Declarations of Purpose. 

Experian, XXXX and XXXX are paid agencies, not the Credit Bureau. Any credit agency reporting inaccurate information should immediately delete from the credit file. This account can not be legally and lawfully according to the FCRA 10 times, and then written off and then listed as never late.

The same information should be reported on each Credit Agency of Experian, XXXX and XXXX, but each Agency is reporting differently and this is a violation of my consumer rights.

Delete these inaccuracy of this account from my credit file immediately and permanently.
Product: Credit reporting or other personal consumer reports

HELLO. IT HAS BEEN BROUGHT TO MY ATTENTION THAT THERE IS AN EVICTION UNDER MY NAME IN MY BACKGROUND CHECK/ TENANT SCREENING BECAUSE OF A COMPANY CALLED XXXX XXXX XXXX XXXX XXXX XXXX 
I DO NOT UNDERSTAND WHY BECAUSE I NEVER LIVED AT SUCH COMPANY NOR HAVE I EVER BEEN EVICTED. I NEED THE EVICTION DELETED FROM MY NAME IMMEDIATELY. I HAVE NO ASSOCIATION NOR HAVE I EVER BEEN EVICTED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION XXXX ( a ) ( XXXX ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - ALL ACCOUNTS YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. 
I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED BELOW. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED. I DEMAND THE FOLLOWING INQUIRES REMOVED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency ignore my dispute letter, Don't want to talk and Reported to Credit Bureau -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount {$120.00} Is XXXX SOUTHWEST COLLECTION S Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX : What You told me on XXXX, I have to re-admitted in Hospital to help me, Talk your doctor and get re-admitted Was this worth {$150.00} and hire Collection Agency, and RUIN MY CREDIT? 
Ive Never missed Single bills in my XXXX years, If you feel you need get paid on this, Remove Credit Report and Call me XXXX or email me XXXX Below was my letter collection agency XX/XX/2019 To whom it may concern : 1.While I was waiting XXXX XXXX in the Hospital while accumulating {$28000.00} of bills, He never show up nor came. 
2.having 2nd Severe XXXX XXXX XXXX, much severe than I went emergency for, XXXX XXXX office Made me wait 10 days without even painkiller 3.On top of XXXX XXXX and XXXX XXXX verified XXXX XXXX XXXX, From hospital, XXXX XXXX Create additional Bill of X-ray. 
4.After that, Only he told me let him know when my regular Dr admitted me in hospital again, otherwise he cant do anything and XXXX XXXX didnt do ANYTHING other than Create additional Bill! 

IF XXXX XXXX disagree, XXXX XXXX himself call or write to me
Product: Credit card or prepaid card

Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.
Product: Mortgage

I submitted an extra, one time payment of XXXX dollars to my loan principle. Instead of applying to the principle, my lender ( Caliber Home Loans ) withheld the amount to apply to my reoccurring monthly payments and pushed the due date of my next payment significantly to the right. I assume this is a fraudulent attempt by the lender to collect more interest with the assumption that the home owner will fail to catch the issue, but I am unsure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$910.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$450.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a lease with Chrysler Capital after the appropriate process was completed at my local XXXX  XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to Chrysler Capital 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into Chrysler Capital after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called Chrysler Capital and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.
Product: Checking or savings account

I receive a monthly pension payment from XXXX XXXX XXXX XXXX XXXX that is credited to my checking account held with Citizen Bank. The payment for {$2100.00} that was due on XX/XX/23 was never credited to my account. 

I have spoke to both the bank and the pension group and although these entities are within the same institution no one has been able to tell me where is my money. I have had at least 5 conversations with 4 different peoples at no avail. During last conversation with a supervisor was told to wait for up to 5 business days for an answer. 
Citizens Bank seems to engage in unfair and deceptive practices. In my opinion this in an internal matter that should be resolved immediately instead of sending customers in limbo. 

I have bill scheduled and if my pension is not credited immediately I risk penalties as well as credit score adverse actions. 
Please help
Product: Credit card or prepaid card

In XX/XX/XXXX I received a Best Buy card in the mail which I had not applied for. I immediately called the company who owns the Credit Card, Citibank, and explained I had not opened the card & did not charge anything on it. They immediately shut down the card, but did not take care of the fraudulent charges to the card. I keep getting notifications that I owe money to them, but I do not since I did not open or charge anything to card. I found out through Best Buy that the purchase was made online on XX/XX/XXXX for an XXXX XXXX and picked up at a the XXXX Best Buy store, which I have never been to. Someone must have used some sort of fake ID to pick up the product. Please help.
Product: Credit reporting or other personal consumer reports

I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is XXXX defamation to my character and they have refused to remove these items. XXXX, XXXX and TransUnion have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two account that does not belong to meXXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit card

American Express mails me unsolicited credit card applications several times a week.. I've tried to opt out but they refuse to remove me from their mailers.. I just to spoke to a supervisor and would not remove me from mailers as of today XXXX
Product: Credit card or prepaid card

I'm having 3 issues with this card. 1 ) I recently changed my telephone number from XXXX XXXX to XXXX XXXX. I was not able to change it myself while logged into my account because the system asked to send a code to the old number to confirm my identify, so I contacted customer services, who changed it for me. 2 ) But I still need to edit my profile to change the misspelling of my name from XXXX XXXX XXXX, to XXXX XXXX XXXX. I tried to correct it myself, but the system is still asking to send a code to the old number, not the new number. I logged out and logged in again, and the same thing happens. The customer service rep says it's a problem for everyone and she has no idea when tech support will correct the issue. I explained to her that a name misspelled is a serious problem because it affects information provided to the credit bureaus. 3 ) I enrolled in e-statements in XX/XX/XXXX, when the bank changed from XXXX to Synchrony. As of today, there are no statements online for me to view. The same rep tells me that I have to wait until XX/XX/XXXX to view an online statement, and it will only be that month 's statement. The previous 3 statements won't be online because of the transition from one bank to another.
Product: Debt collection

This has been going on since XX/XX/2018, calls started with XXXX XXXX XXXX trying to collect on a debt they said was placed with them from XXXX, I explained I didn't owe anything on a loan with XXXX that it has been paid off. Calls continued, I contacted XXXX  on XX/XX/2018, and was told I didn't have a loan balance and the loan I did have was placed with XXXX and had been paid off. I explained this to XXXX XXXX XXXX, but the calls persisted. I've never received a collection letter, or correspondence of any kind except for the phone calls. Last person I spoke to at XXXX XXXX XXXX was XXXX XXXX XXXX. I spoke with XXXX, said loan was " paid satisfied '' - as shown in attachment, spoke with several people their and they advised me as did XXXX that this was a " Scam ''. I have since been contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he also gave another contact XXXX XXXX XXXX XXXX, when I explained I didn't owe anything on this loan, he stated that XXXX or XXXX " probably didn't close out the loan ''. I then received a call stating I was going to be served a summons within the next 24 - 48 hrs.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> I'M WRITHING TO YOU REGARDING DISCREPANCIES I HAVE FOUND ON MY CREDIT REPORT 1.MIDLAND CREDIT MANAGEMEN {$1300.00} XXXX 2.MIDLAND CREDIT MANAGEMEN {$1000.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/2021 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit card or prepaid card

XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.
Product: Checking or savings account

XXXX refuned me {$110.00} on XX/XX/2023 cash app said I spent XXXX at XXXX XXXX XXXX the same day. Then they told me it for for a payment from XXXX XXXX XXXX  from XX/XX/2023. I have bank statements screenshots showing that transaction was completed the day of. Now cashapp will not give me my refund there was no pending transaction in my account at the time. I contacted XXXX XXXX XXXX  and they informed me the payment from XX/XX/2023 was completed that day and they reassured me they didn't charge me twice. It doesn't even show on cashapp they charged me again customer support sent that in a message when I contacted them but they showed me no proof.
Product: Debt collection

On XX/XX/2022 New Era Asset Management LLC first contacted my employer before they contacted me about a debt that was settled three years ago and then they ran my credit as a hard quarry without no permission before the Company bother to reach out.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Student loan

1. In XX/XX/XXXX I set up a automated monthly withdrawal of {$25.00}. In XX/XX/XXXX, I received a phone call stating that my payments were several months late. Upon calling, I was told that I or my father, a cosigner on the account had signed in online and canceled the auto-payment. Neither one of us did this. The account is my bank account and my father has no access to it. I made the payment to bring up to date and the auto-payment was then reset but not without hurting my credit.

2. In XX/XX/XXXX, Navient attempted to make a withdrawal with auto pay from account which was stopped to do insufficient funds. However, a few days later I received a phone call from my father stating that navient had withdrew {$25.00} from his account. This is absurd because the auto pay is set up in my XXXX account and navient has never had my fathers banking account information. When we called them, they stated that we had entered his account information into auto pay which is a blatant lie. We asked them to send us the IP address from the computer that was used to do so and they agreed, however we never heard back. At this point we requested for autopay to be removed. We were told it had been.

3. In XX/XX/XXXX, I had an auto pay withdrawal of XXXX from my account. When called, I was told they would refund this amount and once this was done I could call back to set up repayment plan. This was never done. I was assured again that autopay was removed.

4. In XX/XX/XXXX, another autopayment of XXXX was removed. When contacted navient I was told I authorized these payments. I was told the only was they could refund this was me to fax in to a random number with no attn. to my banking account information. I was told there was no way for them to send an IP address like I was told I would receive. I asked for a copy of the recorded phone calls for the past 6 months and also denied.

THESE PEOPLE ARE THIEFS AND LIARS!!!!

I have tried to contact an attorney suing them and will continue until I reach someone.

They originally could not help me with deferment but then gave me a plan that created a massive repayment. Crooks
Product: Mortgage

We have a mortgage with Ocwen. Our mortgage, with escrow payments, was {$1100.00} per month. They undercharged us on our escrow, and now, suddenly, they want {$1500.00} per month to make up the difference. This is a substantial change that significantly reduces the affordability of this mortgage and, potentially, could result in any consumer 's being thrown into the realm of possible default. Is this a scam, or what?
Product: Mortgage

I Refinanced my home in XX/XX/2021 with Flagstar Bank, This repulsive process with Flagstar had taken about 18 months and approximately XXXX emails. 
They continually lost my information, made numerous excuses and have no Clue what they are doing. 
This is an extremely incompetent and dishonest company, who have misappropriated my funds. 

Instead paying the outstanding property taxes and XXXX insurance, which I solely paid over the past 2 years, Flagstar sent that escrow check to my Ex-husband, who was NOT entitled to it, and is stated in our divorce decree.

I've had numerous conversations with my mortgage loan officer, her supervisor and the CEO office, stating they disregarded what was stated in my divorce decree, which they have in hand. Their response is " There is nothing we can do '' and Do not contact us again. 

So here I sit, no escrow check from the previous mortgage in the amount of {$2200.00}. 
{$1800.00} in the hole with my current mortgage. 
And to top it off - Flagstar is now charging me a third time in my current mortgage to place funds in my escrow account