23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the ER in XX/XX/19 after I was injured at work I had my XXXX XXXX up where it was XXXX XXXX  after a fall at work. XXXX the company that owns XXXX XXXX was who I was working for workman 's comp is responsible for 100 % of this bill.XXXX claims management services was who handled my claim.debt recovery solutions is the company that is trying to get me to pay the bill.the debt solutions has all my info to call XXXX and get the claim # and such. They have my ssn and dob.
Product: Credit card

XXXX  XXXX offered a Match payment program for being behind in payments I wanted to take advantage of this, I paid XXXX for the match payment they only credited XXXXdollars of that payment which isn't showing the other amount I paid, I find this to be deceptive. at this point I Keep getting emails from they stating my account is past due The match program should have been full match of XXXX + XXXX which is only showing XXXX Where is the match payment? where is the rest of my money???
Product: Credit reporting or other personal consumer reports

transuion is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Transuion says they verified the fraudulent bankruptcy and items following it. the bankruptcy is not mine. the accounts are NOT MINE. I DID NOT RECEIVE ANY GOODS OR ANYTHING FROM THESE FRAUDULENT /ERROR ACCOUNTS. AND I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I CONTACTED THE US COURT AND WAS TOLD ON WRITING THAT THEY DO NOT VERIFY THIS BANKRUPTCY AS BELONGING TO ME ( WHICH IS WHAT TRANSUNION TOLD ME. FURTHER MORE I DONT HAVE ANY THING FROM XXXX WHICH THEY SAID THE SENT TO ME SHOWING HOW THEY VERIFIED OR WITH WHOM THEY VERIFIED ANY OF THE FRADULENT/ERROR INFORMATION. 
" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus ''. 

THAT MEANS TRANSUION IS LYING
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX - This charge-off account shows a {$380.00} balance. The balance should not be reported after it was a charge-off. Also, the dates last activity is shown differently on the report ; XXXX shows XX/XX/XXXX, XXXX claims it was XX/XX/XXXX, while Equifax shows XX/XX/XXXX. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card

Fortiva Account ending with XXXX. 

I opened this account on XX/XX/2020 for a XXXX XXXX XXXX for my home. 
Up to present date, I have made all contracted payments timely with no missed or late payment. 
Fortiva without my authorization moved my account balance to a XXXX Credit Card, which no did not give them permission to do. 
To date, I have been receiving harassing messages advising that I need to active this credit card and make a purchase or my account will be closed, which closing the account will negatively impact my credit score. 

I spoke with the company, which they said " oh well '' and they move forward with closing my account. 

They provided no information as to why, I would have to suffer a negative impact to my credit score when I have always made payments timely and did not authorize them to start a credit card in my name. They also provided no direction in how I'm to maintain payments to the account if it's closed. 

This company has very deceptive practices that punish consumers who never had any negative marks with them into forcing credit terms that were not agreed to and that will negatively impact my credit score. 

I want this fully investigated, because at no time did I authorize Fortiva to active a XXXX in my name. I never signed up, never activated a card, only wished to continue paying my security alarm system w/no additional fees attached.
Product: Debt collection

Called my place of business as first attempt to collect debt and was rude to the admin personnel, when asked for a reference to the call, he would not respond, just simply repeated my name over and over. After calling my place of business, he immediately called my mother in law, who is going through XXXX with my father in law. She was startled and worried as he was rude to her saying I had to call right away. She was upset and became worried about our financial situation. She is not involved in our finances and as most we did not want her to be involved in our medical bills. I never received any phone calls nor did my husband and we are the obvious numbers that would be first to call if there was an emergency. The collection agent, XXXX XXXX with AR Resources Inc. chose to call my place of business and violate First amendment 18 Pa.C.S. 2709. Harassment. by communicating without stating why he was calling, even when I returned his call. Everyone at my work now thinks I have financial problems as well as my mother in law. His agency has only had my account a few days. Imagine the damage XXXX XXXX would have caused had I not called another agent and paid my account in full today.
Product: Mortgage

Received XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXReceived XXXX additional XXXX due statements but no XXXX due statement Called XXXX CCO customer service, XXXX XXXX She said all {$1000.00} was applied to principal and will correct it in XXXX business days and will send the XXXX due statement within 7 business daysReceived XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXDid not receive XXXX due statement Called XXXX CCO cust service, XXXX XXXX XXXX She said that all of the XXXX {$1000.00} payment was applied to the principal and late fees were charged. She said she will fix it and remove late fees and nothing would be reported to credit bureaus. She asked that if I had an extra statement, I should pay by XXXX. 
Using XXXX of the XXXX statements I received for XXXX due date, I made a copy with XXXX on it and Paid XXXX, {$1100.00} [ XXXX + XXXX on extra principal ], check # XXXXReceived letter dated XXXX from CCO on XXXX concerning overdue, late fees, sending to credit bureausReceived XXXX due statement XXXX with amount due $ XXXXThroughout this whole time, CCO has been calling and not leaving a message at least XXXX per day. I thought it was sales calls since the caller ID showed Citizens and not CCO, I did n't make connection. 
After the letter and last statement received, I picked up on XXXX at approx XXXX. 
After trying to explain the situation and asking for help, the man insisted that I was behind andthat I send payment and late fees. 
I have never been late on a payment and I would like CCO to apply the proper amounts to my account and not all of it to principal. I would also like them to correct these mistakes that they have made in the last several months and remove any credit bureau reports of late or missing payments.
Product: Checking or savings account

I request all transactions to stop on my chime checking account on XXXX XXXX XXXX  chime still allowed 4 transactions in XXXX from the merchant I asked to stop debiting my account. Chime refuses to refund the unauthorized transactions on my card for XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me, and I have serious concerns about their legitimacy. I urge you to conduct a thorough examination and swiftly remove them from my credit report
Product: Mortgage

PHH Mortgage falsely reported our mortgage as being in forbearance. We have a perfect payment record and have never requested deferral or forbearance. They did this in the middle of a refinance and it ruined our refinance. My lender needed a one sentence statement : " We never solicited deferral or forbearance in conjunction with any of our loans with PHH. '' They refused to provide this letter.
Product: Credit reporting or other personal consumer reports

I have identified several inaccuracies in my credit reports which include incorrect personal information, re-aged accounts, and other issues. I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 
None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act. Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

XXXX XXXX XXXX XXXX XXXX -remove due to inaccuracy - I never paid late XXXX XXXX XXXX XXXXremove due to inaccuracy - I never paid late XXXX  XXXX XXXX - no notice of dispute- this is a violation The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer
reports
Product: Mortgage

NewRez and XXXX XXXX XXXXXXXX offered a forbearance plan during COVID with several repayment options. The option I chose was placing the amount on the back end of the loan and start back in the payments. It became time for me to begin paying on the mortgages only to be told the option I chose doesnt exist any longer. Bait and switch. After going through the motions NewRez wanted me to be on a 3 month trial period with a lower payment. Around {$400.00} less per month than the original payment. I had to call in the payments which I did. I was told to wait until I hear from them to move forward. A couple of months go by and no word from the mortgage company. I called to see what was going on to find out my loan was in the attorneys office for foreclosure! Many calls going nowhere were made and they told me I had to pay back the amount in full that was supposed to be put on the rear end of the loan. A sum of {$45000.00} We had strangers knocking on our door telling us how we can get out of foreclosure, mail, emails, and unanswered messages left with the mortgage companies attorneys office. We had to beg and borrow the money to keep our home of nearly 17 years. Afterwards, we received a new mortgage statement with a monthly note higher than the original mortgage payment! Just as soon as we paid the {$45000.00} we were told we owed a payment for the same month.. less than a few months after all this happened here we are again getting calls from their attorneys office for foreclosure while we have not missed a payment. ( All payments are documented ). The CARES Act forbids mortgage creditors to demand repayment however both NewRez and XXXX XXXX XXXXXXXX do not follow the rules made by our government. Today after begging and borrowing enough to keep our home they are after us again! Please help
Product: Checking or savings account

Check Fraud/ Theft Wells Fargo will not track down the account for us nor return our funds stolen from our small business in XXXX 

On XX/XX/XXXX check written for {$1900.00} & sent to our vendor DN ( see attachment ) in XXXX XXXX, XXXX Then on XX/XX/XXXX this check cashed and funds were withdrawn from our checking account in XXXX, VT. 

On XX/XX/XXXX XXXX, our vendor, dropped off a statement that still included the amount the check had been written for, {$1900.00}. This is when I was alarmed and started investigating with XXXX what went wrong. 

We discovered that the check was obviously stolen from the mail. The funds were deposited into a Wells Fargo account. NO endorsement was made on the check yet Wells Fargo accepted the check clearly made out to XXXX ( see attachment ) and the funds came out of our account at XXXX  XXXX XXXX  XXXX XXXX. Worse yet is Wells Fargo refuses to investigate this obvious fraud and theft. They will not help us track down the their ( their customer ) nor will they send our funds back that they should not have deposited into their bank!
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiry in ask for them to be removed they never want to As I ask because the not accurate in they not minds
Product: Credit card or prepaid card

I went onto the Capital One Preapproval website ( https : //www.capitalone.com/credit-cards/prequalify/ ) and put in my info. I got the following webpage ( see attachment entitled Exhibit A ). There is a big green " Apply Now '' button as if I prequalified for the credit card. I clicked it and, thinking that I was preapproved, I filled out the application but was DENIED. There was a hard credit report pull, which affects my credit report. This is misleading. I was not preapproved for anything but the webpage makes it seem like I had an offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Mortgage

I had fallen behind on my mortgage payments in order to help my mortgage payments in order to help my brother whom had no insurance and XXXX XXXX. My mortgage company reached out to me and said I could sit for a " loan modification program '' theybsentbme paper we Ork I filled it out but it was never good enough for them. They would wait then ad firvan updated paystub or bank statemebt. This went on and on and on. They refused to accept anypayment during this process. I applied for bancrupcy in order to save my home. In the meantime my mortgage company sent me a " XXXX '' XXXX of them actually.my attorney did not wish to address this so I found an attorney whom knew about this. It is an unusual thing to receive but basically gives me my property. Back to court after paying a hefty attorney bill. Now, my bancrupcy payments are more then I earn. They want to add anothervXXXX a month in addition to the {$3700.00} I'm currently struggling to pay. I'm.in the second I try third year of this and feel like I've invested so much I can't just give up on my home. I've lived there XXXX years and according to my attorney PHH MORTGAGE Wull not work with me in order to re-finance. If they would that we ould be great and I could afford to keep my home a d avoid being homeless. I think that was a scamsunce they let it continue so long, never gave me an answer as to refinance or not plus refused to accept any payments all that time until.XXXXvday they decided I owe the entire balance at XXXX time. I feel.like this was a scam and have been severlybtaj err n advantage of. I want them to refine my loan. Approx XXXX years prior I had refinanced from.a XXXX year to a XXXX year loan and chose not to take any money back from them. Now they have me in a place that I can't even make my payment as I don't even make enough to cover that XXXX bill letbalong feed myself or have had to get to work. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is Reporting my XX/XX/2018 Payment to Transunion and XXXX  as 30 days late. This is not correct. The payment was made on XX/XX/2018. XXXX XXXX XXXX also sent a letter saying they made a mistake and would change this status from 30 days late to Never Late. I also filed a dispute with Transunion and XXXX. Both credit Bureaus said the 30 Days late for XX/XX/2018 would remain the same. 

XXXXXXXX XXXX XXXX sent a letter to me on XXXX-18 stating they would update the records to reflect the XX/XX/2018 being paid on time within 30 days. See attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax with regards to the collection account XXXX XXXX XXXX I requested Equifax provide me with the documentation ( Signed XXXX form ) that was sent to them ( Equifax ) in order to verify the accuracy of this medical collection. Equifax responded with a generic letter stating this account was verified as accurate. I advised Equifax that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Equifax still continues to report this collection on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX  XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX