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

Effective XX/XX/2020 I was alerted by Experian that my credit score decreased and to review my report. The Experian credit report showing for XX/XX/XXXX. The creditor XXXX is reporting my credit card detail information incorrectly. My next monthly payment is not due to XX/XX/XXXX and I always pay my monthly payment the start of the month. I have receipts to prove, I never discard my receipts for this creditor and I alway review my account transactions using the customer portal. The creditor has reported me as having two late payments back in XXXX and XXXX which is not true. Also, the creditor has not reported to the credit agencies the current payment for XXXX. I have not been late with my payments, my account is current and not only that I have receipts to show where I send money order payments throughout the month per month. Maybe this creditor has been paid a gift behind the scenes from XXXX because I submitted another complaint because of intentional false reporting information to the credit agencies. I can mail in proof of my transactions to the CFPB along with receipts. No only I would like to file a complaint. I would like to file a law suit to because it is very unethical for creditors to report inaccurate information on a consumers credit report. That is very wrong and that's why I am reaching out because my Rights is being violated.
Product: Debt collection

I was hospitalized are XXXX XXXX care in XX/XX/2021. XXXX demanded {$6000.00} from my wife while I was on my XXXX to cover up to my total possible deductible. After about 3 months all bills to XXXX were paid in full and they refunded me {$3400.00} from the {$6000.00} my wife gave them. I got no further bills from XXXX but they sent something to a collections agency in error. Ive called them numerous times to try and figure out why they think I still owe them money and no one can explain it. Yet they sent mystery debt to collections anyway.
Product: Mortgage

On XX/XX/XXXXa letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we are required to have wind and hail insurance for our property at XXXX XXXX XXXX   We immediately complied and purchase a policy from XXXX. Then onXX/XX/XXXX a letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we needed to verify wind and hail coverage from XX/XX/XXXX-XX/XX/XXXX. If we were unable to verify coverage, Freedom Mortgage would buy a policy for us, paying for it via our escrow account. We do not see how it is possible to purchase a policy for last year and be charged for a non-service. We also deem it unnecessary considering the year has passed and we do not have any claims for that time period.

Freedom Mortgage bought our loan from XXXX XXXX and up until receiving the first letter on XX/XX/XXXX we were unaware that we were required to have wind and hail insurance. Upon receiving the second letter on XX/XX/XXXX we contacted Freedom Mortgage about this issue. Freedom Mortgage admitted that it was their oversight that we did not have wind and hail coverage. We believe that it is unfair for us to pay for a mistake made by Freedom Mortgage.

On XX/XX/XXXX Freedom Mortgage will purchase a wind and hail policy for XX/XX/XXXX-XX/XX/XXXX using our escrow. We are disputing this charge. It is unfair because we were never informed prior to XX/XX/XXXX that wind and hail insurance was required.
Product: Debt collection

On XXXX XXXX, 2017, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that they claim was originally owed to XXXX XXXX XXXX XXXX. The amounts they claim I owe are {$59.00}, {$61.00} and {$1400.00} respectively. 

I never received ANY communication from them Commonwealth Financial Systems by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. I have never had ANY CONTACT WHATSOEVER with this company. 

Parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. 

I did send a dispute letter to the credit bureaus ( attached ) disputing that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted XXXX to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXbranded credit card was moved from XXXX XXXX to CapitalOne last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

CapitalOne agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a CapitalOne error.
Product: Debt collection

On  XX/XX/2017 , I sent a letter to the credit bureau requesting an investigation of an account in collections that I saw on my credit report that does not belong to me. The credit bureau replied that they verified the account. So I send a letter direclty to the collection agency asking them to please send me the signed medical documents for this debt that is not mine. As of today  XX/XX/2017  I have not received a response from the collection agency, however the account is still listed on my credit  report.
Product: Credit reporting or other personal consumer reports

This matter has been litigated in the Court and moved to an arbitration hearing on XX/XX/year>. ( See Uploaded Documents ). this case has recently been accepted by XXXX ( XXXX XXXX. XXXX ) and a XXXX XXXX XXXX XXXX  has been sent to all parties on XX/XX/year> via email notification confirming said commencement. XXXX, XXXX vs. Midland Credit Management , Inc . 

This process initiation should have prompted Midland Credit Management to remove all credit reporting until this case has been finalized and adjudicated but they has failed to do so and said negative reporting still remains on my credit file against my approval and consent.
Product: Checking or savings account

I sold my car and was written a check and the check was deposited into the checking account on XXXX XXXX for a total of XXXX USD, I called to confirm, and XXXX XXXX stated they needed to investigate for 60 days. account holder called on XXXX, to gain access to the online account, the capital one company customer representative said the investigation needs to be completed to gain access to the account they are not able to provide information as to when or who is conducting it but that it takes up to 60 days for the investigation to be completed. XXXX XXXX XXXX pm and was replied to by customer protections agent XXXX XXXX number XXXX to ask when the inquiry would be cleared as the bank statement for XX/XX/year> was received in the mail for XXXX USD with XXXX USD in interest, he then stated he could not give me any information on the investigation or who is conducting it as there is no note on file for my account just that the investigation will be conducted for 60 days at this time.
Product: Credit reporting, credit repair services, 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? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit 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. 

Bankruptcy : # XXXX Bankruptcy : # XXXX 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. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Mortgage

I have a mortgage with Suntrust. On XXXX XXXX, 2017,  Hurricane Irma destroyed part of my property. The insurance company sent out an adjuster who gave me a check to get it repaired. Because I have a mortgage with Suntrust, I had to send the check to Suntrust Loss Draft Dept. Suntrust Loss Draft Dept also required I send copies of 1. the insurance adjustor 's estimate of damage 2. the contract I have with my builder who will be repairing the damage 3. the builder 's license 4. a waiver of lien from the builder 5. the builder 's XXXX form. 

All these forms were sent to Suntrust Loss Draft Dept,  some of them multiple times at Suntrust 's request. 

I am tired of waiting for Suntrust Loss Draft Dept to release my money to fix the damage. It 's been over four weeks now since I first submitted the forms to Suntrust. 

In my opinion, Suntrust is doing everything it can to hold onto my money. I have talked to the Loss Draft Dept on the phone numerous times already. What more can I do?
Product: Mortgage

Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.
Product: Credit reporting or other personal consumer reports

Experian reported company .has received inaccurate information from XXXX XXXX XXXX XXXX corporation with in correct name which l have on going disputes l Have sent in copies of the bill with Names on the XXXX ( doesn't match ). XXXX XXXX XXXX XXXX has sold my name to collection companies names ( XXXX funding 2. Accounts. Whom fingers corporate.whom requested same amount money as these XXXX with is Fraud ) months has effect my credit. Score rate for months after l sent in copyies of payments. I have also disputed a company called ( Get it now ) which not hasn't changed. I paid this account off in full also provided copies on time payment. In exsperiam Credit report shows none payment instead .and consistently affect my credit rating.. My credit advisor attorney. Stated. after this complaint if non response or Change there goin to filed complaint against Experian. Credit report company. Due to on going denial on application inaccurate information not being research
Product: Credit card or prepaid card

My tax return was deposited XX/XX/XXXX, directly afterwards American Express serve closed my account for having a negative balance more than 15 days. I called their fraud department and was told they would send an email and it could take 2 business days. I called again on the XXXX and they told me a check was in the mail it would take 7 to 10 days. I called today XX/XX/XXXX because I received a text informing me of my balance in an account that should be closed and the representative said there was no record of anything beyond send the initial email on the XXXX and she would send another email starting the whole process over again. I asked to speak to someone who could assist more and was told there was nothing they can do. If they closed the account the money should have been returned right then, not held in an account that can not be accessed. At the very least action should have occurred after the first phone interaction. At this point it is neglect on their part. After seeing that there was no follow up to my initial request their should have been a sense of urgency on their part. Or on the second time I called on the XXXX they should have not told me that my check was in the mail, that was false information. I feel I was lied to about the status of my account on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account, 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 Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

I recently checked my credit report and saw their was a collection under my credit report under Amerifinacial Solutions for the client named XXXX XXXX XXXX PA for {$140.00} reported on XX/XX/2019. I do not know of any XX/XX/XXXX nor have I ever received any bill or notice from this collection company that shows proper verification that I owe this bill. Under the FCRA the debt collector is required to send me a notice of collection and give me 30 days to respond.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 Nothing has been done about this I have asked serial times for all negative items to be removed
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed XXXX and have already made three payments @ XXXX twice a month. I will pay nearly {$5000.00} for a XXXX loan. I was NEVER told this was a payday loan. I thought it was a regular loan. I can not afford this as Im a XXXX month employee!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I ask the company to verify information on my report and they said they did with the original provider of information with the help of a third party. When they sent me the notice that they verified the information in question, I requested them to send me the method of verification and the provider of the information. The company did not respond. I call the company and reminded them that fcra a laws require them to provide the information upon request from the consumer, within a specified time frame and they did not do so. I reminded them that they are required to install information on my report from the original provider of information. The company is saying they got the information from the provider of information, and they are stating the information is obtained from a 3rd party verification. In those statements my rights of a consumer is being violated. One a third party can not provide information and the other thing is the provider of information should be listed on my report and according to the agent a third party verified information and reported it back to them. The items on my report in question are public records. On my report they are saying they verified with the Bankruptcy court, but the court said noone has challenged information that is available to the public. I informed the agent this information and they went on to say again third party gave them the information, I then said the third party is not the provider of the information and they also need to follow guidelines in providing proof that information is correct and they have not done that and the courts is saying noone has contacted them. The agent went on to say everything is done electronically. I informed him the Bankruptcy court does not provide that information electronically when there is a complaint of wrong information.I Informed the agent that my report is invalid, because the information on my report is not showing contact information of the provider of information, so that I can contact them with my concerns. The listed contact information stated they did not verify information to the Bureau and there are processes that should be followed to get information that is disputed.I sent them a letter from the bankruptcy stating they did not provide information to the credit reporting agencies and never responded to this. I am waiting for another letter from the bankruptcy court that will be a recent letter stating what I am writing in this complaint. Iwill submit it as soon as I receive. I also have yet to recieve proof of how they linked XXXX  XXXX XXXX and XXXX  XXXX XXXX  to me. Fcra requires credit reporting agencies to give me that information. This is part of my file and i can request at anytime, when there is an issue. The company is falsifying my credit report. Equifax will not provide me the proof that they are following the procedures to verify accounts on my report and this is a violation of my rights and I am not getting equal opportunity for credit reporting and obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times.  transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.