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

I 've disputed a XXXX XXXX account with Equifax and XXXX multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and Equifax and XXXX. Equifax and XXXX continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.
Product: Mortgage

I got a XXXX-family house loan with XXXX XXXX  in XXXX, NY for XXXX XXXX XXXX, XXXX, NY XXXX XXXX 
The problem I have is a recurrent erratic, this bank made for servicing my loan. For several times maybe ten times that although I make payments, the bank said I did not make the payment.

One of the worst thing that happened is about a year ago, erratically, one employee sent me an email that the loan was transferred to SHELLPOINT and so I sent the payment to SHELLPOINT which the bank cashed and reimbursed and I sent the payment to XXXX. 

I have made many attempts to communicate with XXXX XXXX of XXXX about the " agreement '' that I will have to resume the regular payment after the forbearance. I also have reminded them time and again that I made {$10000.00} payment for late payment that I did not caused because of erratic emails and bank statements I am getting The payments the bank asked is far more that the signed agreement and so I paid, {$10000.00}, {$9000.00}, {$8500.00} etc. XXXX keeps on asking for late payment, I did not make. Many times even when the bank cashed the check, they sent me email saying that I did not make the payment. 

This XX/XX/2021, they emailed, mailed me notice that the loan will be transferred to SHELLPONT and so I reminded XXXX XXXX, MS. XXXX, and XXXX XXXX by email several times. I also told them that I spoke to XXXX people at the bank about the problem reminding them to correct any error before moving the loan to SHELLPOINT. 

I communicated also to XXXX XXXX at SHELLPOINT about the years of problem with XXXX  and then yesterday I got an email from SHELLPOINT reminding me that they did not receive the payment although they cashed my XXXX XXXX check on the XXXX of XX/XX/2021. 

I emailed XXXX ladies from XXXX XXXX  about this that I begged from them to correct the mistake before sending the loan to SHELLPOINT. Now it is again happening with Shellpoint. They cashed the check and email me that I made not payment XXXX  ALSO REPORTED IN MY CREDIT REPORT THAT I MADE LATE PAYMENT. 

Please help me solve this recurrent problems. If I am going to REFINANCE, the loan keeps on going UP because of the closing cost. I refinanced because I had problem with the other BANK before XXXX I suffered the CLOSING COSTS yet the LOAN went WILD AND WORST than I exoected
Product: Credit reporting or other personal consumer reports

Fraudulent attempts to open accounts in my name on XX/XX/year> & XX/XX/year> with my personal information. I was alerted to the activity by a series of emails asking me to provide various information to " authorize '' accounts and/or profiles. When I called the companies and made inquiries it became clear that someone had my personal information and was using it without my knowledge. At that time I was advised to freeze my credit, change my passwords, and file these reports. I have also filed a police report and purchased XXXX. 
Even though I have frozen my credit they are still using my information to try and open savings and IRA accounts etc.. I am trying to keep up with everything but it's really difficult. 
The attempts I'm currently disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX XXXX XXXX account with Experian that was opened in XX/XX/XXXX. XXXX XXXXXXXX charged off this account and it was sold to XXXX on XX/XX/XXXX. I paid and settled this account with XXXX   on XX/XX/XXXX. I disputed the XXXX XXXXXXXX account XX/XX/XXXX because it stated as being negative on my Experian credit report when it was actually sold to XXXX and settled. When the disputed results were sent back to me they were re-aged with a status update of XX/XX/XXXX that caused me to get another charge off and failure to pay. This caused my credit score to drop several points. I disputed this information again on XX/XX/XXXX and the dispute results were re-aged again to XX/XX/XXXX I disputed it again on XX/XX/XXXX this dispute was re-aged again XX/XX/XXXX I disputed again on XX/XX/XXXX and it was re-aged again XX/XX/XXXX. Experian also report this as a charge off and failure to pay for XX/XX/XXXX and XX/XX/XXXX. My credit score has decreased and now my credit score is rating poor. This information is incorrect because the status report date of this account should have a closing date of XX/XX/XXXX. When it was sold to XXXX. Both XXXX XXXX XXXX  and Experian should have known this because the documents are in my Experian file. The last time I called Experian to dispute this incorrect status update the dispute specialist were very rude and did not want to reinvestigate this incorrect information. This incorrect information has caused me to not be able to quality for a home loan it also caused my insurance rates to increase and mental anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. XXXX a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. Equifax, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX
Product: Debt collection

I recieved a calyl from REVCO. The agent on the phone was very rude and demanding payment and my social security number to which I was not going to provide. I asked that they send proof of claim and all they sent was a demand letter asking for payment. All it says is I visited the hospital. When I go online to the hospitals XXXX  there are no visit records and the hospital says I need to call RevCo ... .Revco says I need to call the hospital. I am stuck in a loop where I am told I owe a bill but no one can tell me what it is for or why I owe it. I dont even have an insurance XXXX  for these bills detailing any charges whatsoever. REVCO is saying I owe $ XXXX and $ XXXX but wont provide any details as to what it was for ... No listing of charges or anything. The person on the phone continued to demand I pay her via credit card even after several questions to which she would not answer. She was also demanding my SSN which how they got it has me very concerned. When I try to go to REVCO website on the form to get further information, and I enter the information on the form, I enter the required info and it says I do not exist, which leads me further concerned.
Product: Vehicle loan or lease

My interest rate is 23 % my total loan is XXXX $ my 1st month payment was XXXX $ but for some reason im being told XXXX $ is going to my principal balance!!
Product: Checking or savings account

Greetings, I opened a banking account with USAA on Sunday and I deposited {$25.00} dollars from my other banking institution and on Monday, I also spoke with an agent in regards to the account and she told me that everything was perfect and that my personal check and debit cards is on the way to my house for myself and my wife. 
Today, as I was revising my account, I noticed that the {$25.00} was OFFSET, so I called USAA and the agent informed me that the {$25.00} was used to pay a debt I supposedly have with USAA for the sum of 5 thousand dollars plus, which is completely bogus and I told her thank you very much and she also informed me not to deposit anything into this account because they will take it to offset the negative accounts. 
Now, let me fully explained what happened with USAA and the abuse and unjustice they caused me and my family during the year of 2012 when we were in the XXXX XXXX. My card and all of my personal items was stolen by armed robbers and they used my cards to go on a spending streak, now when i called all of my cards company and banking institutions as well as the US embassy in XXXX XXXX, everyone and companies was very helpful and closed my accounts and reimburse all cash that was fraudulent. Except the big boy USAA and one of its representative that was so rude to me stating that i had log in my account why did i not say anything and that it was not a fraud claim and there's nothing that they could do for me. I couldn't argue or anything because they did not give me any opportunity. I never in my life felt so direspectful by a company and abused by a company like USAA and I need help now, because they are the ones who owes me {$5000.00} dollars for suffering, I had to borrow money in order for me and my family to get back in the states and this is not the first time that I've heard about this type of unjustice. These agents are above the law, rude and treat you like you are the robbers it is time to get justice, I had let it go since I couldn't win but for them now to take {$25.00} from me to open a new account which they allowed me to open it's reason enough to show the unjustice of this company and yet they keep saying that they are out to help military and their families? where is the help USAA?
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. 
Account Name XXXX XXXX Account Number XXXX, Account Name XXXX  XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX  XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number 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. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing and asking for verification on these accounts, and the only information they give is these accounts have been verified. They do not belong to me. 

XXXX XXXX XXXX ACCT # XXXX {$22000.00} XXXX XXXX XXXX # XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.
Product: Credit reporting or other personal consumer reports

I have placed multiple disputes with Experian from calling to online and have yet to get a update. They are not reporting correctly and I have provided all info in order to have negative items removed. I advise they do it in a timely manner after this formal complaint or I will consult legal counsel. Attached is all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up fraudulent accounts in my name : XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Debt collection

I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # listed below TransUnion, 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 XXXX XXXX XXXX XXXX Account XXXX : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________
Product: Credit card or prepaid card

I have serious concerns that Discover Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for several months now. Please see my attached letter, which extensively documents the issue and my interactions with the Company to date.
Product: Mortgage

Contacted Interactive mortgage on XX/XX/2020 to apply for a conventional refinance. Verified with the loan XXXX if this will be a XXXX loan to which the loan XXXX said yes. The loan amount needs to be under XXXX in my zip code of XXXX. 

As soon as I mentioned I am self employed, the loan XXXX refused to take my application and said they don't take self employed borrowers. I told him I have refinanced plenty of times without a problem, and as recently as a couple of months ago but he still refused to even take my application. 

I also told him that XXXX XXXX  allows self employed borrowers and has clear guidelines for it, but still the company refused to take my application. 

I feel this is a clear discrimination and severely impacts my ability to get a competitive rate even though I qualify for all underwriting guidelines, have been self employed for over 10 years, and meet all the criteria.
Product: Debt collection

I dont know where this came from but it says something about your XXXX XXXX I dont even know what that is I never owed anybody XXXX dollars thats absurd then it says been purchased by cascade XXXX  I dont know what that is ether Im confused and I want it off my file Im not paying something that I didnt even do.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan is mine the late payments are inaccurate and this is a violation of XXXX us code XXXX XXXX removal of inaccurate/invalidated credit information please remove immediately as its reporting on all XXXX angencies inaccorate
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in 2007. I want these accounts removed from my credit profiles because they are not mine.
Product: Credit reporting or other personal consumer reports

more incomplete information that is not mine on my report. This is the third time in the last XXXX  months bank of amer need to be removed XXXXXXXX XXXXXXXX  needs to be removed Evidence is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to all three credit bureaus requesting proof that the medical debts appearing on my credit report. In the letter I stated " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The response I received from XXXX also know as XXXX XXXX XXXX was a simple letter which states this in response to my request to for verification of the debts owed. This is incorrect and not what I asked for. I have attached a copy of the letters that were sent to the all three credit bureaus as well as the response I received from XXXX.
Product: Credit card

I AM NOT LIABLE FOR THIS DEBT WITH AMEX. I DO NOT HAVE A CONTRACT WITH AMEX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute with Equifax as my XXXX XXXX XXXX  was reporting a missed payment on XX/XX/2015 that I had paid. I submitted my bank statement showing proof that the payment was made. Equifax reported that the payments were verified as reported correctly. And my dispute was ignored, since my dispute the account is now being reported XXXX on my credit report which has caused my credit score to drop XXXX points. And I was denied credit.